NASDAQ$FCFS

FirstCash Holdings Inc · Q3 2025 earnings

Q3 2025 earnings · · Before market open · Investor relations

Briefing

FirstCash Holdings reported Q3 2025, revenue of $935.6M, net income of $82.8M, diluted EPS of $1.86.

For Q3 2025, FirstCash Holdings reported revenue of $935.6M, net income of $82.8M, diluted EPS of $1.86. Management discussed operating trends, liquidity, and priorities as disclosed in the quarterly filing.

  • Revenue $935.6M.
  • Net income $82.8M.
  • Diluted EPS $1.86.

Headline financials

Total Revenue

$936M

Previous: $837M+11.7%
EPS (adj)

$1.86

Previous: $1.44+29.2%
US Pawn Same-Store Retail Sales Growth

7.0%

No prior period
LatAm Pawn Same-Store Retail Sales Growth (constant currency)

10.0%

No prior period
US Pawn Same-Store Pawn Receivables Growth

13.0%

No prior period
LatAm Pawn Same-Store Pawn Receivables Growth (constant currency)

18.0%

No prior period
UK Pawn Same-Store Pawn Receivables Growth (local currency)

25.0%

No prior period
AFF Active Merchant Locations Growth

17.0%

No prior period
US Pawn Retail Sales Margin

43.0%

Previous: 43.0%+0.0%
LatAm Pawn Retail Sales Margin

36.0%

Previous: 35.0%+2.9%
AFF Combined Lease/Loan Loss Provision Rate

27.5%

Previous: 27.9%-1.4%
Total Pawn Locations

3.3K

No prior period
Capital Expenditures

-$81.7M

Previous: -$110M+26.0%
Net Income

$82.8M

Previous: $64.8M+27.7%
Operating Income

$112M

Previous: $85.2M+32.0%
Gross Profit

$474M

Previous: $405M+17.1%

Revenue & EPS history

FirstCash · Revenue · Quarterly

$936M

Q3 2025+11.7%vs Q3 2024
Beat estimate in 8 of 13 quarters(62%)
ActualEstimate

Revenue by segment

FirstCash · $786M total across 5 segments · Q3 2023

  • Retail Merchandise Sales
    $335M+11.4%
  • Leased Merchandise Income
    $189M+19.8%
  • Pawn Loan Fees
    $175M+19.8%
  • Interest and Fees on Finance Receivables
    $61.4M+25.7%
  • Wholesale Scrap Jewelry Sales
    $25.9M+39.2%

Forward guidance

The filing discusses FirstCash Holdings's outlook, capital deployment, and key risks without relying solely on numeric EPS guidance.

Tailwinds

  • FirstCash Holdings cited execution on strategic priorities in the filing.
  • Balance sheet and liquidity support continued operations.

Headwinds

  • Macro, competitive, and cost pressures may affect margins.
  • Segment mix and one-time items can affect comparability.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q3 2025

Historical avgQ3 2025

+0.1%

Avg return

Earnings day

+1.7%

Avg return

5 days after

+2.3%

Avg return

30 days after

52%

34 / 65 earnings

Positive

+14.8%

Q1 2022

Best reaction

-13.0%

Q4 2014

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026+3.4%+4.1%+10.6%
Q4 2025+3.3%+5.7%+10.7%
Q3 2025+7.2%+8.0%+7.0%
Q1 2025+9.1%+10.6%+5.6%
Q4 2024+0.4%+0.6%+0.3%
Q3 2024-4.2%-3.9%-5.2%
Q2 2024+1.6%+1.7%+7.7%
Q1 2024-12.4%-14.4%-10.1%
Q4 2023+1.2%+0.9%+0.2%
Q3 2023+5.6%+7.4%+10.6%
Q2 2023-2.0%+0.3%-8.2%
Q1 2023+8.1%+6.9%+1.8%
Q4 2022-2.4%-1.8%-1.9%
Q3 2022+9.9%+11.9%+7.8%
Q2 2022+12.2%+9.7%+19.2%
Q1 2022+14.8%+9.1%+6.1%
Q4 2021+7.6%+4.4%-8.5%
Q3 2021+1.4%+4.5%-23.7%
Q2 2021+2.9%+4.1%+12.3%
Q1 2021-0.3%+5.6%+17.6%
Q4 2020+5.7%+3.8%+13.7%
Q3 2020-4.8%-9.7%+8.4%
Q2 2020+2.1%-6.5%-5.2%
Q1 2020-5.9%-0.6%-1.0%
Q4 2019+3.0%+1.9%-9.4%
Q3 2019-10.3%-8.9%-17.1%
Q2 2019-2.9%-1.4%-7.0%
Q1 2019+8.2%+8.3%+4.9%
Q4 2018-4.5%-5.1%+4.8%
Q3 2018+1.8%+5.7%+13.9%
Q2 2018-12.2%-13.4%-12.8%
Q1 2018+4.6%+8.7%+11.6%
Q4 2017+1.2%+0.1%+2.1%
Q3 2017+6.7%+5.7%+10.4%
Q2 2017+0.9%+0.5%+1.6%
Q1 2017+1.0%+3.1%+4.5%
Q4 2016+1.9%+1.8%+3.4%
Q3 2016-0.6%-0.8%+0.8%
Q2 2016+0.1%-1.2%+1.1%
Q1 2016-6.1%
Q4 2015-5.7%
Q3 2015-10.2%
Q2 2015-12.3%
Q1 2015+0.3%
Q4 2014-13.0%
Q3 2014-1.4%
Q2 2014+0.6%
Q1 2014-2.8%
Q4 2013-11.2%
Q3 2013+4.6%
Q2 2013+0.6%
Q1 2013-0.3%
Q4 2012+3.3%
Q3 2012-3.0%
Q2 2012+1.6%
Q1 2011-0.3%
Q1 2012+1.3%
Q4 2009-0.4%
Q4 2011-0.4%
Q3 2010-1.4%
Q3 2011-1.4%
Q4 2010-0.1%
Q2 2011-0.1%
Q2 2010-0.1%
Q1 2010-1.0%

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