FirstCash
Operates pawn stores and point-of-sale financing for cash- and credit-constrained consumers.
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Profile
Operates pawn stores across the U.S., Latin America, and the U.K., earning fees on non-recourse loans and margins on pre-owned merchandise. American First Finance adds lease-to-own and installment-finance products through U.S. retail partners, while pawn operations remain the primary earnings driver.
Runs U.S. Pawn, Latin America Pawn, and U.K. Pawn across the United States, Mexico, Guatemala, El Salvador, Colombia, England, Scotland, and Wales. American First Finance, or AFF, provides U.S. point-of-sale payment solutions. Pawn locations make non-recourse loans against personal property and sell pre-owned goods acquired through forfeited collateral or direct purchases.
Earns pawn fees when customers redeem or renew loans and retail margins when merchandise is sold. Local appraisal experience and a proprietary point-of-sale system support collateral pricing, inventory tracking, and store-level merchandising. AFF offers lease-to-own and installment-finance products through retail and e-commerce merchant partners.
Pawn operations remain the primary earnings driver. Results depend on consumer demand, collateral values, merchant activity, and currency movements, while loan terms, fees, disclosures, licensing, and servicing are regulated across U.S., Latin American, and U.K. jurisdictions.
Company facts
Categories
Key statistics
Year to date +39.7% · Average volume (30d) 467.1K
Analysts
Ratings
Target range
Latest analyst notes
| Date | Firm | Action | Prior rating | Rating | Prior target | Target |
|---|---|---|---|---|---|---|
| Aug 10, 2026 | Loop Capital Markets | Reiterate | Buy | $140 | $255 | |
| Aug 10, 2026 | Loop Capital | Upgrade | Hold | Buy | ||
| Apr 24, 2026 | Canaccord Genuity | Reiterate | Buy | $217 | $252 | |
| Feb 6, 2026 | Canaccord Genuity | Target | $205 | $217 | ||
| Oct 31, 2025 | Canaccord Genuity | Reiterate | Buy | $200 | $205 |
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| Jul 23, 2026Q2 FY26 | $2.39 | $2.50 | +4.6% | $1.03B | $1.07B | +4.3% | −1.19% |
| Apr 23, 2026Q1 FY26 | $2.33 | $2.69 | +15.5% | $1.00B | $1.05B | +4.8% | +3.14% |
| Feb 5, 2026Q4 FY25 | $2.54 | $2.64 | +3.9% | $1.02B | $1.06B | +3.5% | +2.40% |
| Oct 30, 2025Q3 FY25 | $1.94 | $2.26 | +16.5% | $861.0M | $935.6M | +8.7% | +0.03% |
Financial highlights
| 12 quarters | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | |
|---|---|---|---|---|---|---|---|
| Revenue | $836.4M | $830.6M | $935.6M | $1.06B | $1.05B | $1.07B | |
| Gross profit | $424.2M | $412.8M | $473.7M | $529.9M | $510.9M | $501.2M | |
| Operating income | $135.6M | $105.2M | $149.3M | $172.1M | $175.7M | $166.7M | |
| Net income | $83.6M | $59.8M | $82.8M | $104.2M | $107.7M | $93.5M | |
| Diluted EPS | $1.87 | $1.34 | $1.86 | $2.35 | $2.43 | $2.12 | |
| Gross margin | 50.7% | 49.7% | 50.6% | 50.1% | 48.6% | 46.6% | |
| Operating margin | 16.2% | 12.7% | 16.0% | 16.3% | 16.7% | 15.5% |
Fiscal years (4-quarter sums)FY21 $1.70B · FY22 $2.73B · FY23 $3.15B · FY24 $3.39B · FY25 $3.66B
Revenue by product · Q2 FY26
Revenue by geography · Q2 FY26
Balance sheet, Jun 30, 2026Cash & short-term investments $172.3M · Total debt $2.70B · Total assets $5.49B · Shareholders' equity $2.32B
Dividends
Raised for 9 straight years — most recently to $0.42 from $0.38 in Aug 2025. To collect a payout, hold shares through the close before the ex-date.
History
| Ex-date | Record | Paid | Amount | Note |
|---|---|---|---|---|
| Aug 14, 2026 | Aug 14 | Aug 28 | $0.42 | |
| May 15, 2026 | May 15 | May 29 | $0.42 | |
| Feb 18, 2026 | Feb 18 | Feb 27 | $0.42 | |
| Nov 14, 2025 | Nov 14 | Nov 26 | $0.42 | |
| Aug 15, 2025 | Aug 15 | Aug 29 | $0.42 | raised from $0.38 |
| May 15, 2025 | May 15 | May 30 | $0.38 | |
| Feb 14, 2025 | Feb 14 | Feb 28 | $0.38 | |
| Nov 15, 2024 | Nov 15 | Nov 27 | $0.38 |
Ownership
A 13F quarter can total more than the shares outstanding — sub-advisers file the same block twice, and a filer's own share count can be a quarter stale. No split is drawn from it.
Shares outstanding 43.37M · Float 39.38M · 90.8% free float
Top shareholders13F · 13D/G · Form 4
| Holder | Shares | % outstanding | Form | Filed |
|---|---|---|---|---|
| BlackRock, Inc. | 5.03M | 11.60% | 13F | Aug 7, 2026 |
| FMR LLC | 3.05M | 7.03% | 13F | Aug 13, 2026 |
| Earnest Partners LLC | 2.11M | 4.86% | 13F | Aug 13, 2026 |
| Vanguard Portfolio Management LLC | 2.03M | 4.67% | 13F | Aug 13, 2026 |
| Vanguard Capital Management LLC | 1.70M | 3.91% | 13F | Aug 13, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Aug 17, 2026 | R. Douglas Orr | officer: EVP & Chief Financial Officer | −3,000 | $216.00 |
| Aug 17, 2026 | Thomas Brent Stuart | officer: President and COO | −5,348 | $214.63 |
| Aug 18, 2026 | Howard F. Hambleton | officer: AFF President | −2,000 | $212.98 |
| Jun 5, 2026 | Raul Ramos | officer: SVP Latin American Operations | −6,835 | $225.23 |
| May 28, 2026 | Raul Ramos | officer: SVP Latin American Operations | −3,165 | $231.13 |
Peers
- EZCORP
Second-largest publicly traded pawnshop operator in the US and Latin America
- PROG
Leading US virtual lease-to-own platform for non-prime consumers at retail POS
- Upbound Group
Parent of Acima virtual lease-to-own and Rent-A-Center store-based LTO chains
- Affirm
Largest US BNPL financier by GMV, with 419,000+ active merchant integrations
CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| FirstCash | $219.21 | +0.08% | $9.51B | 25.0 | 18.1 | 2.3 | +29.4% |
| EZCORP | $33.00 | −0.03% | $1.93B | 16.8 | 16.4 | 1.2 | +34.7% |
| PROG | $39.10 | +0.01% | $1.56B | 10.8 | 7.7 | 0.6 | +19.0% |
| Upbound Group | $19.22 | 0.00% | $1.12B | 12.5 | 4.4 | 0.2 | +0.5% |
| Affirm | $77.40 | −0.37% | $26.04B | 70.7 | 44.6 | 6.6 | +33.0% |
| Median | 14.7 | 12.0 | 0.9 | +26.0% |