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FirstCash Holdings (FCFS) investor relations material
FirstCash Holdings Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary24 Jul, 2025
Executive summary
Net income for Q2 2025 was $59.8M, up 22% year-over-year; six-month net income was $143.4M, up 30%.
Achieved record Q2 results with over 30% year-to-date EPS growth and an 11% increase in the quarterly dividend.
Robust pawn demand drove 13% same-store pawn receivables growth in both U.S. and Latin America.
Pending acquisition of H & T Group plc, the leading UK pawn operator, for £291.4M ($396.3M), expected to close in Q3 2025.
Settlement reached with CFPB, resulting in a $11M accrual for consumer redress and fines.
Financial highlights
Q2 2025 revenue was $830.6M; six-month revenue was $1.67B, both flat year-over-year.
Q2 2025 EPS was $1.34 (diluted), up from $1.08 in Q2 2024; six-month EPS was $3.21, up from $2.44.
Adjusted net income for Q2 2025 was $79.6M ($1.79/share), up from $61.9M ($1.37/share) in Q2 2024.
Adjusted EBITDA for Q2 2025 was $145.1M, up from $121.9M in Q2 2024; trailing twelve months adjusted EBITDA was $613.0M.
Free cash flow for the six months ended June 30, 2025 was $131.1M; adjusted free cash flow was $133.5M.
Outlook and guidance
2025 outlook raised: pawn operations expected to drive over 80% of segment pre-tax income.
H & T acquisition expected to close in Q3 2025, expanding international footprint.
U.S. pawn: full-year pawn fee growth now expected at 10–12%; retail sales growth in high single digits.
Latin America pawn: full-year pawn fee growth expected at 10–12% local currency, flat to slightly up in USD.
AFF: origination volumes (ex-furniture) expected to rise 20–25%; net revenues to decline 6–8% year-over-year.
How will FirstCash fund the H&T acquisition?
What's driving AFF's earnings growth?
What's the outlook for pawn fee growth in the U.S.?
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Next FirstCash Holdings earnings date
Q3 202530 Oct, 2025
Next FirstCash Holdings earnings date
Q3 202530 Oct, 2025
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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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