FirstCash Holdings, Inc. FCFS

What this company does

FirstCash Holdings, Inc., along with its wholly owned subsidiaries, operates pawn stores in the U.S., Latin America and the U.K. The Company also operates a retail POS payment solutions business. Its two business lines are organized into four reportable segments: the U.S. pawn segment, which consists of pawn operations in 29 U.S. states and the District of Columbia; the Latin America pawn segment, which consists of pawn operations in Mexico, Guatemala, El Salvador and Colombia; the U.K. pawn segment, which consists of pawn operations in England, Scotland and Wales; and the retail POS payment solutions segment, which consists of the operations of American First Finance, LLC. As of December 31, 2025, the Company operated over 3,300 pawnshops across its network. The average amount of a pawn loan at December 31, 2025 was $312 in the U.S., $112 in Latin America and $825 in the U.K. per transaction. As of December 31, 2025, the Company had approximately 22,000 employees across seven countries: the U.S., Mexico, Guatemala, El Salvador, Colombia, Jamaica and the U.K. Net revenues from AFF accounted for 15% of the Company's consolidated net revenues during 2025.

Written from the business description in FIRSTCASH HOLDINGS, INC.'s annual report to the U.S. Securities and Exchange Commission, filed 9 February 2026. Every sentence was checked against that document before publication.