Firstcash Holdings, Inc. · NASDAQ:FCFS
Firstcash — Investor Presentation (November 2025)
33 slides from Firstcash's investor presentation, Nov 5, 2025
Slide 1: Investor Presentation — November 2025
1PAGEFIRSTCASH HOLDINGS, INC. NASDAQ: FCFS I n v e s t o r P r e s e n t a t i o n — N o v e m b e r 2 0 2 5 EXHIBIT 99.1
Slide 2: Forward-looking statements
This quarterly presentation contains forward-looking statements about the business, financial condition, outlook and prospects of FirstCash Holdings, Inc. and its wholly owned subsidiaries (together, the “Company”). Forward-looking statements, as that term is defined in the Private Securities Litiga
Slide 3: Our Business and Our Results
NASDAQ: FCFS 3PAGEFIRSTCASH HOLDINGS, INC. OUR BUSINESS ‒ WE ARE THE LEADING OPERATOR OF PAWN STORES IN THE UNITED STATES, LATIN AMERICA AND THE UNITED KINGDOM ‒ MORE THAN 3,300 PAWN LOCATIONS OUR RESULTS ‒ PROVEN ABILITY TO GROW REVENUES AND EARNINGS ‒ STRONG FINANCIAL POSITION ‒ CONSISTENT SHAREHO
Slide 4: FirstCash Highlights
4PAGEFIRSTCASH HOLDINGS, INC. FIRSTCASH HIGHLIGHTSNASDAQ: FCFS BY THE NUMBERS TRAILING TWELVE MONTHS AS OF SEPTEMBER 30, 2025 ‒ REVENUE: $3.5 BILLION ‒ GAAP NET INCOME: $310 MILLION ‒ ADJUSTED NET INCOME: $368 MILLION ‒ ADJUSTED EBITDA: $654 MILLION ‒ ADJUSTED FREE CASH FLOW: $310 MILLION THIRD QUAR
Slide 5: Pawn Operations
5PAGEFIRSTCASH HOLDINGS, INC. PAWN OPERATIONS NASHVILLE, TENNESSEE NASDAQ: FCFS INVESTORS.FIRSTCASH.COM
Slide 6: Pawn Overview
85% PAWN (U.S., LATAM & U.K.) With over 12 million individual pre- owned items sold annually, we believe we are one of the largest resellers of recycled consumer products in the Americas… BRANDS OUR CUSTOMERS KNOW AND TRUST PAWN OVERVIEW FIRSTCASH IS THE LEADING INTERNATIONAL OPERATOR OF PAWN STORES
Slide 7: FirstCash Pawn History
66 123 282 595 906 2,085 2,679 3,027 1988 1989 – 1996 1997 – 2001 2002 – 2005 2006 - 2010 2011 – 2013 2014 – 2016 2017 – 2019 2020 – Q2 2025 As of 09/30/2025 FIRSTCASH PAWN HISTORY PRIMARY LONG-TERM BUSINESS PLAN IS TO CONTINUE GROWING PAWN REVENUES AND INCOME BY OPENING NEW (“DE NOVO”) RETAIL PAWN
Slide 8: Pawn Product Overview
1 2 3 4 8PAGE PAWN PRODUCT OVERVIEWNASDAQ: FCFS FIRSTCASH HOLDINGS, INC. PAWN LOANS ARE CUSTOMER FRIENDLY ‒ NON-RECOURSE LOANS ‒ NO CREDIT CHECK OR BANK ACCOUNT REQUIRED ‒ NO COLLECTION ACTIVITY OR REPORTING TO CREDIT BUREAUS PAWN LOANS ARE SMALL AND AFFORDABLE ‒ 30-TO-60-DAY TERM TYPICAL IN THE U.S
Slide 9: Data Analytics Deliver Scalable High-Performing Operating Metrics
DATA FROM MORE THAN 3,300 PAWN LOCATIONS CONTINUALLY CAPTURED AND REFRESHED FROM MORE THAN 13 MILLION ANNUAL RETAIL TRANSACTIONS ‒ INVENTORY SALES DATABASE PROVIDES REAL-TIME PRICING, TURNOVER AND MARGIN DATA BY MERCHANDISE CATEGORY ‒ PAWN LENDING METRICS INCLUDING COLLATERAL MIX, LOAN-TO-VALUE AND
Slide 10: Pawn Has Performed Well Across Most Economic Cycles
PAWN HAS PERFORMED WELL ACROSS MOST ECONOMIC CYCLES 10PAGE NASDAQ: FCFS FIRSTCASH HOLDINGS, INC. $3.4 $4.0 $4.3 $4.8 $4.9 $5.2 $5.3 $5.2 $5.2 $5.4 $6.0 $6.0 $6.1 $5.1 $5.4 $5.8 $6.0 $6.2 $6.6 $0.0 $2.5 $5.0 $7.5 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 202
Slide 11: Pawn Collateral and Inventory Composition
11PAGE NASDAQ: FCFS FIRSTCASH HOLDINGS, INC. U.S. PAWN LATAM PAWN CONSOLIDATED PAWN 42% 72%72% 60%40%59% 40% 9% 14% 43% 11% 18% PAWN COLLATERAL PAWN COLLATERAL PAWN COLLATERAL INVENTORY INVENTORY INVENTORY INVESTORS.FIRSTCASH.COM PAWN COLLATERAL AND INVENTORY COMPOSITION JEWELRY ELECTRONICS TOOLS SP
Slide 12: Pawnshops Pioneered Circular Economy
PAWNSHOPS PIONEERED CIRCULAR ECONOMY ‒ NEIGHBORHOOD-BASED STORES CONTRIBUTE TO THE MODERN “CIRCULAR ECONOMY” EXTENDING LIFE CYCLE OF CONSUMER PRODUCTS – INVENTORY IS PRE-OWNED MERCHANDISE WHICH IS SOURCED AND THEN RECYCLED WITHIN EACH STORE’S GEOGRAPHIC NEIGHBORHOOD SAVING WATER AND CARBON EMISSIONS
Slide 13: U.S. Pawn Segment
NASDAQ: FCFS 13PAGEFIRSTCASH HOLDINGS, INC. U.S. PAWN SEGMENT ALMOST 1,200 FULL-SERVICE U.S. LOCATIONS 29 STATES AND THE DISTRICT OF COLUMBIA AS OF 09/30/2025 GRAND PRAIRIE, TEXAS
Slide 14: U.S. Pawn Segment: Locations and Growth Opportunities
14PAGE U.S. PAWN SEGMENT 29 U.S. STATES AND THE DISTRICT OF COLUMBIA NASDAQ: FCFS FIRSTCASH HOLDINGS, INC. INVESTORS.FIRSTCASH.COM 27 27 22 47 30 96 29 12 3 30 57 79 126 156 252 281 293 0 120 240 360 2017 2018 2019 2020 2021 2022 2023 2024 YTD 2025 U.S. PAWN MARKET IS LARGE AND HIGHLY FRAGMENTED — O
Slide 15: Q3 2025 U.S. Pawn Segment Highlights
$280 $341 $381 $426 $204 $217 $239 $266 73% 64% 63% 63% $0 $150 $300 $450 Q3 2022 Q3 2023 Q3 2024 Q3 2025 PLB INV INV % OF PLB $1,145 $1,270 $285 $323 $0 $450 $900 $1,350 YTD 2024 YTD 2025 YTD 2024 YTD 2025 REVENUE SEGMENT CONTRIBUTION Q1 Q2 Q3 15PAGE Q3 2025 U.S. PAWN SEGMENT HIGHLIGHTS $ IN U.S. M
Slide 16: LATAM Pawn Segment
16PAGEFIRSTCASH HOLDINGS, INC. TECAMACHALCO, MEXICO NASDAQ: FCFS INVESTORS.FIRSTCASH.COM LATAM PAWN SEGMENT MORE THAN 1,800 LATIN AMERICA LOCATIONS IN FOUR COUNTRIES o LATIN AMERICAN MARKETS REMAIN RECEPTIVE TO PAWN GIVEN THE HIGH CONCENTRATION OF UNBANKED AND UNDERBANKED CONSUMERS o FIRSTCASH’S WEL
Slide 17: 25+ Years of LATAM Growth
17PAGE NASDAQ: FCFS FIRSTCASH HOLDINGS, INC. 25+ YEARS OF LATAM GROWTH STORE COUNT AND REVENUE — $ IN MILLIONS INVESTORS.FIRSTCASH.COM 60 45 61 60 21 1 10 60 46 61 70 21 0 30 60 90 2021 2022 2023 2024 2025 DE NOVO OPENINGS ACQUISITIONS $368 $417 $487 $557 $671 $553 $592 $675 $803 $812 $833 $368 $485
Slide 18: Q3 2025 LATAM Pawn Segment Highlights
18PAGE NASDAQ: FCFS FIRSTCASH HOLDINGS, INC. Q3 2025 LATAM PAWN SEGMENT HIGHLIGHTS $ IN CONSTANT CURRENCY 1 MILLIONS, EXCEPT AS OTHERWISE NOTED $599 $676 $107 $128 $0 $240 $480 $720 YTD 2024 YTD 2025 YTD 2024 YTD 2025 REVENUE SEGMENT CONTRIBUTION Q1 Q2 Q3 REVENUE & SEGMENT CONTRIBUTION1 55% 55% 54%
Slide 19: U.K. Pawn Segment
19PAGEFIRSTCASH HOLDINGS, INC. U.K. PAWN SEGMENT INVESTORS.FIRSTCASH.COM 286 UNITED KINGDOM LOCATIONS ENGLAND, SCOTLAND AND WALES SUTTON, U.K. H&T HEADQUARTERS Bath Street, Glasgow NASDAQ: FCFS AS OF 09/30/2025
Slide 20: H&T Acquisition at a Glance
20PAGEFIRSTCASH HOLDINGS, INC. TAMPICO, MEXICO INVESTORS.FIRSTCASH.COM NASDAQ: FCFS • Founded in 1897, H&T is the U.K.’s largest pawnbroker and a leading retailer of high-quality new and pre-owned jewelry and pre-owned watches • 286 retail pawn stores focused on pawn lending and retail jewelry sales
Slide 21: H&T Acquisition — Benefits of the Transaction
21PAGEFIRSTCASH HOLDINGS, INC. TAMPICO, MEXICO INVESTORS.FIRSTCASH.COM NASDAQ: FCFS H&T ACQUISITION — COMPELLING BENEFITS OF THE TRANSACTION Provides Additional Geographic Diversification Unlocks Further Growth Opportunities in New Markets Establishes FirstCash’s Market Leadership in the U.K. Contri
Slide 22: POS Payment Solutions
22PAGEFIRSTCASH HOLDINGS, INC. TAMPICO, MEXICO RETAIL POS PAYMENT SOLUTIONS INVESTORS.FIRSTCASH.COM LEASE-TO-OWN BANK LOANSRETAIL INSTALLMENT CUSTOMERS TAKE ITEMS HOME SAME DAY OR ARRANGE FOR DELIVERY TAKE ITEMS HOME — SAME DAY! AVAILABLE AT APPROXIMATELY 15,800 MERCHANT PARTNER LOCATIONS APPLY — IN
Slide 23: Door Count Growth & Merchant Diversification
23PAGEFIRSTCASH HOLDINGS, INC. INVESTORS.FIRSTCASH.COM DOOR COUNT GROWTH & MERCHANT DIVERSIFICATION TOTAL THIRD QUARTER ORIGINATION VOLUME DECREASED 13% YOY; EXCLUDING ORIGINATIONS FROM FURNITURE RETAILERS, THIRD QUARTER ORIGINATIONS INCREASED APPROXIMATELY 10% DRIVEN BY CONTRIBUTIONS FROM BOTH NEW
Slide 24: Q3 2025 AFF POS Payment Solutions Highlights
$611 $745 YTD 2024 YTD 2025 $794 $745 YTD 2024 YTD 2025 $89 $136 YTD 2024 YTD 2025 5.3% 5.0% 5.8% 5.7% 5.4% 5.2% 5.8% 2% 4% 6% 8% Q12024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 24PAGE Q3 2025 AFF POS PAYMENT SOLUTIONS HIGHLIGHTS $ IN U.S. MILLIONS FIRSTCASH HOLDINGS, INC. INVESTORS.FIRSTCASH
Slide 25: Financial Highlights
25PAGEFIRSTCASH HOLDINGS, INC. NASDAQ: FCFS FINANCIAL HIGHLIGHTS BOGOTA, COLOMBIA
Slide 26: Consolidated Operating Highlights
$3.04 $5.36 $4.80 $5.73 $6.92 $3.94 $5.19 $6.06 $6.70 $8.24 $0.00 $3.00 $6.00 $9.00 2021 2022 2023 2024 TTM Q3 2025 $125 $253 $219 $259 $310 $161 $246 $277 $303 $368 $0 $130 $260 $390 2021 2022 2023 2024 TTM Q3 2025 $1,699 $2,729 $3,152 $3,389 $3,486 $919 $1,265 $1,507 $1,630 $1,744 $0 $1,400 $2,800
Slide 27: Share Repurchases and Dividends
$275 $114 $107 $50 $158 $114 $85 $90 $93 $368 $482 $588 $638 $796 $910 $995 $1,085 1,616 4,959 6,264 7,691 8,379 10,583 11,831 12,552 13,307 0 6,000 12,000 18,000 24,000 $0 $300 $600 $900 $1,200 2017 2018 2019 2020 2021 2022 2023 2024 YTD 09/30/25 C U M U LA T IV E C O U N T S H A R E R E P U R C H
Slide 28: Stock Repurchases & Dividends; Growth Investments and Shareholder Payouts
THE COMPANY’S FUTURE SUCCESS, INCLUDING ITS ABILITY TO ACHIEVE ITS GROWTH AND PROFITABILITY GOALS, IS DEPENDENT ON ITS ABILITY TO EXECUTE ITS LONG-TERM BUSINESS STRATEGY OF MANAGING CAPITAL RESOURCES… 28PAGEFIRSTCASH HOLDINGS, INC. NASDAQ: FCFS STOCK REPURCHASES & DIVIDENDS ‒ OVER 18 MILLION SHARES
Slide 29: Investment Recap
With over 12 million individual pre- owned items sold annually, we believe we are one of the largest resellers of recycled consumer products in the Americas… INVESTMENT RECAP 29PAGEFIRSTCASH HOLDINGS, INC. NASDAQ: FCFS INVESTORS.FIRSTCASH.COM PAWN FOCUSED BUSINESS MODEL ‒ SMALL SECURED PAWN LOANS TO
Slide 30: Financial Appendix
30PAGEFIRSTCASH HOLDINGS, INC. FINANCIAL APPENDIX NASDAQ: FCFS GOLD & BEYOND (LAS VEGAS, NV)
Slide 31: Non-GAAP Financial Information
31PAGE NON-GAAP FINANCIAL INFORMATION PLEASE REFERENCE THE FORM 10-Q FILED ON 11/03/2025 FOR FURTHER EXPLANATION NASDAQ: FCFS FIRSTCASH HOLDINGS, INC. The Company uses certain financial calculations such as adjusted net income, adjusted diluted earnings per share, EBITDA, adjusted EBITDA, free cash
Slide 32: Non-GAAP Reconciliation: EBITDA and Adjusted EBITDA
Y/E Y/E Y/E Y/E TTM 2021 2022 2023 2024 Q3 2025 NET INCOME $124,909 $253,495 $219,301 $258,815 $309,750 INCOME TAXES 41,593 70,138 73,548 83,961 104,558 DEPRECIATION AND AMORTIZATION 1 45,906 103,832 109,161 104,941 106,834 INTEREST EXPENSE 32,386 70,708 93,243 105,226 113,221 INTEREST INCOME (696)
Slide 33: Get in Touch With Us
33PAGEFIRSTCASH HOLDINGS, INC. GAR JACKSON GLOBAL IR GROUP GAR@GLOBALIRGROUP.COM 817 886 6998 GET IN TOUCH WITH US: INVESTOR RELATIONS INVESTORRELATIONS@FIRSTCASH.COM INVESTORS.FIRSTCASH.COM 817 258 2650 NASDAQ: FCFS
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