Revenue: As of FY2026 Q2, the actual value is USD 1.075 B, beating the estimate of USD 1.031 B.

EPS: As of FY2026 Q2, the actual value is USD 2.12, missing the estimate of USD 2.196.

EBIT: As of FY2026 Q2, the actual value is USD 162.7 M.

Consolidated Financial Performance

• Net Income (GAAP): For the three months ended June 30, 2026, net income was $93,467 thousand, increasing 56% over the prior-year quarter. For the six months ended June 30, 2026, net income was $201,169 thousand, increasing 40% over the prior-year period. For the trailing twelve months ended June 30, 2026, net income was $388,148 thousand.
• Adjusted Net Income (Non-GAAP): For the three months ended June 30, 2026, adjusted net income was $110,114 thousand, increasing 38% compared to the prior-year quarter. For the six months ended June 30, 2026, adjusted net income was $229,162 thousand, increasing 33% compared to the prior-year period. For the trailing twelve months ended June 30, 2026, adjusted net income was $446,905 thousand.
• Operating Cash Flows: Consolidated operating cash flows for the twelve-month period ended June 30, 2026, totaled $672,853 thousand, an increase of 21% compared to the same prior-year period.
• Adjusted Free Cash Flows: Adjusted free cash flows, including net fundings/repayments of pawn loans and finance receivables, increased 16% to $309,049 thousand in the twelve-month period ended June 30, 2026, compared to $266,544 thousand in the same prior-year period.
• Shareholder Returns: Shareholder returns, comprising stock repurchases and cash dividends, totaled $256 million over the past twelve months.
• Return on Equity: FirstCash Holdings, Inc. generated a 17% return on equity on a GAAP basis and an adjusted return on equity of 20% for the twelve months ended June 30, 2026.
• Return on Assets: FirstCash Holdings, Inc. generated an 8% return on assets on a GAAP basis and an adjusted return on assets of 9% for the twelve months ended June 30, 2026.
• Net Debt to Adjusted EBITDA Ratio: The Company’s net debt to adjusted EBITDA ratio was 2.7x at June 30, 2026, improving to 2.6x including estimated pro forma EBITDA contributions from acquisitions and other lender permitted adjustments.

Segment-Specific Metrics

U.S. Pawn Segment

• Total Segment Revenue: Increased 22% in the three months ended June 30, 2026, to $498,072 thousand, and 19% year-to-date to $987,078 thousand.
• Segment Pre-tax Operating Income: Increased 31% to $129,216 thousand compared to the prior-year quarter. Year-to-date segment pre-tax operating income increased 28% to $270,616 thousand.
• Segment Pre-tax Operating Margin: Increased to a record 26% for the three months ended June 30, 2026, compared to 24% in the prior-year quarter.
• Pawn Loan Fees: Increased 15% to $150,062 thousand in the three months ended June 30, 2026, compared to the prior-year quarter.
• Retail Merchandise Sales: Increased 10% to $275,676 thousand in the three months ended June 30, 2026, compared to the prior-year quarter.
• Retail Sales Margins: 43% for the three months ended June 30, 2026, equaling the prior-year quarter.

Latin America Pawn Segment

• Total Segment Revenue: Increased 42% on a U.S. dollar basis to $292,042 thousand and 29% on a constant currency basis in the three months ended June 30, 2026. Year-to-date, segment revenue increased 41% on a U.S. dollar basis to $549,161 thousand and 26% on a local currency basis.
• Segment Pre-tax Operating Income: Increased 42% on a U.S. dollar basis to $58,149 thousand and 36% on a local currency basis in the three months ended June 30, 2026. Year-to-date, segment pre-tax operating income increased 51% on a U.S. dollar basis to $109,030 thousand and 42% on a local currency basis.
• Pawn Loan Fees: Total and same-store pawn loan fees increased 33% on a U.S. dollar basis to $79,572 thousand and 19% on a constant currency basis in the three months ended June 30, 2026.
• Retail Merchandise Sales: Total and same-store retail merchandise sales increased 28% on a U.S. dollar basis to $174,316 thousand and 15% on a constant currency basis in the three months ended June 30, 2026.
• Retail Margins: 35% in the three months ended June 30, 2026, versus 36% in the prior-year quarter.

U.K. Pawn Segment

• Total Revenues: Total revenues in the three months ended June 30, 2026, were $95,309 thousand.
• Segment Pre-tax Operating Income: For the three months ended June 30, 2026, segment pre-tax operating income was $33,637 thousand, with a segment pre-tax operating margin of 35%. Year-to-date segment pre-tax operating income was $72,791 thousand, with a segment pre-tax operating margin of 37%.

Retail POS Payment Solutions (American First Finance - AFF)

• Segment Pre-tax Operating Income: Totaled $28,738 thousand for the three months ended June 30, 2026, and $54,657 thousand year-to-date.
• Gross Transaction Volume: Decreased 14% to $223,657 thousand in the three months ended June 30, 2026, compared to the prior-year quarter. For the year-to-date period, overall gross transaction volume decreased 6% to $465,836 thousand.
• Net Revenues: Decreased 15% to $53,314 thousand in the three months ended June 30, 2026, compared to the prior-year quarter. Year-to-date net revenue decreased 26% to $103,709 thousand compared to the prior-year period.
• Average Monthly Net Charge-off Rate: The combined average monthly net charge-off rate for lease and finance products was 5.2% for the three months ended June 30, 2026, a sequential improvement compared to 5.6% in the first quarter, and consistent with the prior-year quarter.

Operational Metrics

• Pawn Store Locations: As of June 30, 2026, FirstCash Holdings, Inc. operated 3,343 pawn store locations globally, including 1,212 in the U.S., 1,836 in Latin America, and 295 in the U.K.
• New Locations Added: During the three months ended June 30, 2026, 13 new locations were opened (1 in U.S., 6 in LatAm, 6 in U.K.), and 7 locations were acquired (all in U.S.). Year-to-date, 20 new locations were opened and 8 were acquired.
• Pawn Receivables Growth: Consolidated pawn receivables were up 63% in total and 22% on a same-store basis over the prior year.

Shareholder Actions

• Dividend Declaration: The Board of Directors of FirstCash Holdings, Inc. declared a third-quarter cash dividend of $0.42 per common share.
• Share Repurchase Authorization: FirstCash Holdings, Inc.’s Board of Directors authorized the repurchase of up to $150 million of its common stock, with no time limit set for completion.

Outlook / Guidance

FirstCash Holdings, Inc. is raising its expectations for year-over-year growth in consolidated pawn segment revenue for the remainder of 2026, anticipating pawn operations to constitute over 90% of total net revenue and segment-level pre-tax income. The company expects to acquire Ramsdens Holdings plc by the end of 2026, adding 174 U.K. locations and expanding the store base to over 3,500 locations. Additionally, FirstCash Holdings, Inc. projects adding 35 to 40 more acquired locations globally in the second half of 2026.