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FirstCash Holdings FCFS Pawn loan fees

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38%-1.0pp

Segments

By geography

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Latin America$79.57M+32.9%

Other financials

Income statement

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Revenue$1.1B+29.4%
Gross profit$789.1M+31.4%
Net income$93.5M+56.3%
EPS (diluted)$2.12+58.2%

Balance sheet

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Cash & equivalents$172.3M+69.8%
Total debt$2.6B+13.4%
Total equity$2.3B+8.5%
Total assets$5.5B+21.5%

Cash flow

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Operating cash flow$176.8M+51.3%
CapEx$13.7M-19.5%
Free cash flow$132.8M+12.6%

Valuation

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Market cap$9.02B+50.0%
Enterprise value$11.48B+39.4%
P/E23.2×+2.6×
P/S2.2×+0.4×

Profitability

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Gross margin72.9%+0.1pp
Net margin9.4%+0.8pp
FCF margin14.5%+0.6pp

Returns & leverage

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Return on equity17.4%+3.2pp
Debt / equity1.1×0.0×
Current ratio4.9×+0.7×

Where this comes from

Reported directly by FirstCash Holdings in its filing.

Tagged under the XBRL concept fcfs:PawnLoanFees.

The source filing: FirstCash Holdings’s 10-Q, filed July 27, 2026.

Filed
Jul 27, 2026, 2:06 PM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0000840489-26-000085
Line itemThree Months Ended / June 30, 2026Three Months Ended / June 30, 2025Six Months Ended / June 30, 2026Six Months Ended / June 30, 2025
Revenue:
Retail merchandise sales$471,263$385,125$936,097$756,181
Pawn loan fees258,441190,822525,139382,693
Leased merchandise income115,499139,784245,686296,702
Interest and fees on retail finance products73,96276,075148,297149,488
Wholesale scrap jewelry sales152,13238,816264,61381,981
Other revenue3,391—6,507—
Total revenue1,074,688830,6222,126,3391,667,045

Item 1. Financial Statements (Unaudited)

FAQ

What is FirstCash Holdings's pawn loan fees?
FirstCash Holdings (FCFS) reported pawn loan fees of $258.44M in Q2 2026.
How has FirstCash Holdings's pawn loan fees changed year-over-year?
FirstCash Holdings's pawn loan fees increased by 35.4% year-over-year, from $190.82M to $258.44M.
What is the long-term trend for FirstCash Holdings's pawn loan fees?
Over 4 years (2021 to 2025), FirstCash Holdings's pawn loan fees has grown at a 15.7% compound annual growth rate (CAGR), from $475.78M to $853.74M.
What does pawn loan fees mean?
Represents the interest and service charges earned from customers on pawn loans secured by personal property. This is a core revenue stream for pawn operations, reflecting the volume and yield of the company's secured lending portfolio.

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