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FirstCash
FirstCash (FCFS) investor relations material
FirstCash Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary5 Feb, 2026
Executive summary
Achieved record revenue and earnings for both Q4 and full year 2025, with Q4 revenue up 20% year-over-year and full year revenue up 8%.
Added 344 pawn locations in 2025, including a major U.K. acquisition, bringing total stores to 3,330.
Pawn operations accounted for nearly 90% of net revenue, with strong growth in all regions.
Declared a quarterly cash dividend of $0.42 per share and completed $115 million in stock repurchases in 2025.
Financial highlights
Q4 2025 net income was $104 million (up 25% year-over-year); adjusted net income was $117 million (up 23%).
Full year 2025 net income reached $330 million (up 28%); adjusted net income was $390 million (up 29%).
Q4 diluted EPS was $2.35 (up 26%); adjusted EPS was $2.64 (up 25%).
Full year diluted EPS was $7.42 (up 29%); adjusted EPS was $8.76 (up 31%).
Adjusted EBITDA for 2025 was $698 million (up 25%).
Operating cash flow for 2025 was $586 million (up 9%), with adjusted free cash flow of $307 million (up 17%).
Outlook and guidance
Expects pawn operations to drive nearly 90% of 2026 net revenue and segment pre-tax income.
U.S. pawn: expects low double-digit revenue growth in pawn fees and 8–10% growth in merchandise sales for 2026.
Latin America pawn: expects mid-teen growth in pawn fees and high single-digit retail sales growth, with stable margins.
U.K. pawn: expects 2026 segment income of $115–$125 million, with pawn receivables up 25% year-over-year.
AFF: forecasts 5–10% growth in origination volumes but a slight revenue decline in 2026.
Interest expense expected to rise 5–10% in 2026; effective tax rate projected at 25–26%.
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Next FirstCash earnings date
Q1 202623 Apr, 2026
FirstCash
Next FirstCash earnings date
Q1 202623 Apr, 2026
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Frequently asked questions
FirstCash Holdings, Inc. is an international operator of pawn stores, serving as a major provider of technology-driven point-of-sale payment solutions. The company primarily caters to cash and credit-constrained consumers, offering a range of services designed to meet the financial needs of its customer base. The company's services include small loans secured by personal property, retail point-of-sale payment solutions, and the buying and selling of a wide variety of merchandise such as jewelry, electronics, tools, appliances, sporting goods, and musical instruments. The company is headquartered in Fort Worth, Texas, and its shares are listed on the Nasdaq stock exchange.
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