Firstcash Holdings, Inc. · NASDAQ:FCFS
Firstcash — Investor Presentation (March 2026)
28 slides from Firstcash's investor presentation, Mar 3, 2026
Slide 1: Investor Presentation — March 2026
INVESTOR PRESENTATION — MARCH 2026 F IRSTCASH HOLDINGS , INC . 1 NASDAQ: FCFS EXHIBIT 99.1
Slide 2: Cautionary Statement Regarding Forward-Looking Statements
NASDAQ: FCFS F IRSTCASH HOLDINGS , INC . 2 CAUTIONARY STATEMENT REGARDING FORWARD-LOOKING STATEMENTS THIS PRESENTATION CONTAINS FORWARD-LOOKING STATEMENTS ABOUT THE BUSINESS, FINANCIAL CONDITION, OUTLOOK AND PROSPECTS OF FIRSTCASH HOLDINGS, INC. AND ITS WHOLLY OWNED SUBSIDIARIES (TOGETHER, THE “COMP
Slide 3: FirstCash Highlights: By the Numbers
NASDAQ: FCFS 3 F IRSTCASH HOLDINGS , INC . ‒ REVENUE — $3.7 BILLION ‒ GAAP NET INCOME — $330 MILLION ‒ ADJUSTED NET INCOME — $390 MILLION ‒ ADJUSTED EBITDA — $698 MILLION ‒ ADJUSTED FREE CASH FLOW — $307 MILLION BY THE NUMBERS TRAILING TWELVE MONTHS AS OF DECEMBER 31, 2025 ‒ GAAP NET INCOME — UP 25%
Slide 4: Pawn Overview
NASDAQ: FCFS F I RSTCASH I S THE LEADI NG I NTERNATI ONAL OPERATOR O F PAWN STORES WI TH M O RE THAN 3 ,300 RETAI L PAWN LOCATI ONS AND APPROXI M ATELY 22,000 EM PLOYEES I N 29 U.S. STATES , THE D I STRI CT O F C OLUM BI A , FOUR COUNTRI ES I N LATI N AM ERI CA ( I NCLUDI NG MEXI CO , G UATEM ALA ,
Slide 5: FirstCash Pawn History
NASDAQ: FCFS 66 123 282 595 906 2,085 2,679 3,027 3,330 1988 1989 – 1996 1997 – 2001 2002 – 2005 2006 - 2010 2011 – 2013 2014 – 2016 2017 – 2019 2020 – Q2 2025 Q4 2025 FIRST ACQUIRED STORE SUITLAND, MD USA FIRST STORE 1988 HALTOM CITY, TX USA 100+ STORES IN MEXICO 500TH LATAM STORE OPENED FIRST STOR
Slide 6: Pawn Product Overview
NASDAQ: FCFS 6 PAWN PRODUCT OVERVIEW 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. AND LATAM ‒ AVERAGE LOAN SIZE RANG
Slide 7: Proprietary Intelligence: Driving Predictable Returns at Scale
NASDAQ: FCFS 7 PROPRIETARY INTELLIGENCE: DRIVING PREDICTABLE RETURNS AT SCALE STRATEGIC VALUE: OUR PROPRIETARY DATA ECOSYSTEM TRANSFORMS 14M ANNUAL RETAIL TRANSACTIONS INTO PREDICTABLE RETAIL MARGINS PAWN LOANS ARE CUSTOMER FRIENDLY ‒ OVER 3,300 LOCATIONS AND 14M ANNUAL RETAIL TRANSACTIONS ‒ OPTIMIZ
Slide 8: Pawn Has Performed Well Across Most Economic Cycles
NASDAQ: FCFS 8 PAWN HAS PERFORMED WELL ACROSS MOST ECONOMIC CYCLES 1 CORE PAWN GP FROM LEGACY U.S. AND LATAM FIRST CASH STORES IN OPERATION SINCE 2007 CORE PAWN GP: RETAIL GROSS PROFIT PAWN FEES PAWN RECEIVABLES ARE FULLY COLLATERALIZED AND SUBJECT TO VERY MINIMAL CONSUMER CREDIT RISK CREDIT TIGHTEN
Slide 9: Pawnshops Pioneered Circular Economy
NASDAQ: FCFS 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 CAR
Slide 10: U.S. Pawn Segment
NASDAQ: FCFS U.S. PAWN SEGMENT 10 OVER 1,200 FULL-SERVICE U.S. LOCATIONS 29 STATES AND THE DISTRICT OF COLUMBIA MARKET PRESENCE Q4 2025: ACQUIRED 17 LOCATIONS ACROSS 5 STATES FULL YEAR 2025: — ACQUIRED 23 LOCATIONS — OPENED 2 DE NOVO’S MARKET GROWTH AS OF 12/31/2025
Slide 11: U.S. Pawn Market Overview
NASDAQ: FCFS 11 NV AK WA LA UT NE AZ CO TX MO OK IL IN OH GAAL FL KY TN NC VA WY SC 30 33 49 490 6 1 5 22 7 19 39 29 20 23 68 56 4622 86 49 23 13 27 MD 28 DC 2 FORT WORTH, TX FIRSTCASH HEADQUARTERS 2 MS 5 3 3 1 OR ND SD IA FIRSTCASH TARGET MARKETS: ‒ GROWING POPULATION WITH FAVORABLE DEMOGRAPHICS ‒
Slide 12: Q4 2025 Highlights — U.S. Pawn Segment
NASDAQ: FCFS F IRSTCASH HOLDINGS , INC . $1,569 $1,753 $397 $453 2024 2025 2024 2025 Q1 Q2 Q3 Q4 +12% +14% REVENUE & SEGMENT CONTRIBUTION 14% 11% 10% 12% 13% 13% 13% 12% 27% 24% 23% 24% 2025 Q1 2025 Q2 2025 Q3 2025 Q4 PRIOR-YEAR CURRENT-YEAR SAME-STORE RECEIVABLES: 2-YR GROWTH 57% 59% 59% 58% 42% 42
Slide 13: LATAM Pawn Segment
NASDAQ: FCFS ADDED 32 STORES IN 2025: — 28 IN MEXICO — 3 IN GUATEMALA — 1 IN EL SALVADOR STORES IN 4 COUNTRIES: — MEXICO 1,732 — GUATEMALA 75 — EL SALVADOR 18 — COLOMBIA 12 LATAM PAWN SEGMENT 13 MORE THAN 1,800 LATAM LOCATIONS MARKET PRESENCE MARKET GROWTH AS OF 12/31/2025
Slide 14: Latin America Pawn Segment
NASDAQ: FCFS F IRSTCASH HOLDINGS , INC . $368 $417 $487 $557 $671 $553 $592 $675 $803 $812 $890 $368 $485 $573 $666 $803 $725 $742 $839 $892 $927 $1,059 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TOTAL REVENUE, USD $ CC TOTAL REVENUE, 2015 MXN @ 15.85 HUGE UNTAPPED MARKET: CAPTURING HIGH
Slide 15: Q4 2025 Highlights — LATAM Pawn Segment
NASDAQ: FCFS F IRSTCASH HOLDINGS , INC . $812 $929 $150 $184 2024 2025 2024 2025 Q1 Q2 Q3 Q4 REVENUE & SEGMENT CONTRIBUTION 1 7% 8% 6% 12% 14% 13% 18% 23% 21% 21% 24% 35% 2025 Q1 2025 Q2 2025 Q3 2025 Q4 PRIOR-YEAR CURRENT-YEAR SAME-STORE RECEIVABLES: 2-YR GROWTH 1 50% 51% 51% 51% 34% 35% 34% 35% 21%
Slide 16: U.K. Pawn Segment
NASDAQ: FCFS U.K. PAWN SEGMENT 16AS OF 12/31/2025 STORES IN 3 COUNTRIES: — ENGLAND 253 — SCOTLAND 26 — WALES 7 ENTRY INTO EUROPE BY ACQUIRING 286 LOCATIONS MARKET PRESENCE
Slide 17: H&T Acquisition at a Glance
NASDAQ: FCFSU.K. PAWN SEGMENT H&T ACQUISITION AT A GLANCE F IRSTCASH HOLDINGS , INC . • 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 STORES ARE CONVENIENTLY LOCATED IN MOST MAJOR TOWNS AND CITIES TH
Slide 18: H&T Acquisition — Benefits of the Transaction
NASDAQ: FCFS F IRSTCASH HOLDINGS , INC . H&T ACQUISITION — COMPELLING BENEFITS OF THE TRANSACTION 18 ESTABLISHES FIRSTCASH’S MARKET LEADERSHIP IN THE U.K. PROVIDES ADDITIONAL GEOGRAPHIC DIVERSIFICATION UNLOCKS FURTHER GROWTH OPPORTUNITIES IN NEW MARKETS CONTRIBUTES MEANINGFUL PAWN-DRIVEN EPS AND EBI
Slide 19: Retail POS Payment Solutions Segment
NASDAQ: FCFS RETAIL POS PAYMENT SOLUTIONS SEGMENT 19
Slide 20: Door Count Growth & Merchant Diversification
NASDAQ: FCFS F IRSTCASH HOLDINGS , INC . DOOR COUNT GROWTH & MERCHANT DIVERSIFICATION 20 POS PAYMENT TRANSACTION ORIGINATIONS BY PRODUCT CATEGORY 61% 52% 48% 37% 23% 15% 20% 19% 24% 25% 2% 7% 12% 18% 5% 5% 8% 10% 11% 19% 21% 18% 17% 23% 0% 25% 50% 75% 100% 2021 2022 2023 2024 2025 FURNITURE AUTOMOTI
Slide 21: Q4 2025 Highlights — AFF POS Payment Solutions
NASDAQ: FCFS F IRSTCASH HOLDINGS , INC . 5.3% 5.0% 5.8% 5.7% 5.4% 5.2% 5.8% 5.8% GROSS TRANSACTION VOLUME Q4 2025 HIGHLIGHTS — AFF POS PAYMENT SOLUTIONS HIGHLIGHTS $ IN MILLIONS NET REVENUE $269 $267 2024 2025 Q1 Q2 Q3 Q4 SEGMENT CONTRIBUTION $129 $169 2024 2025 Q1 Q2 Q3 Q4 COMBINED LEASE AND LOAN C
Slide 22: Consolidated Financial Highlights
NASDAQ: FCFS F IRSTCASH HOLDINGS , INC . 22 CONSOLIDATED FINANCIAL HIGHLIGHTS
Slide 23: Consolidated Highlights
NASDAQ: FCFS REVENUE $1,699 $2,729 $3,152 $3,389 $3,661 $919 $1,265 $1,507 $1,630 $1,841 2021 2022 2023 2024 2025 REVENUE NET REVENUE DIVIDENDS $1.17 $1.26 $1.36 $1.46 $1.60 $1.68 2021 2022 2023 2024 2025 2026 ACTUALRUN RATE SHARE REPURCHASES SINCE 2021 $50 $207 $322 $407 $522 688 2,892 4,140 4,861
Slide 24: Growth Investments & Shareholder Payouts Since 2016
NASDAQ: FCFS F IRSTCASH HOLDINGS , INC . GROWTH INVESTMENTS & SHAREHOLDER PAYOUTS SINCE 2016 — $ IN MILLIONS 24 $0 $1,400 $2,800 $4,200 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 CUMULATIVE TOTAL $4.2 BILLION THE COMPANY’S FUTURE SUCCESS, INCLUDING ITS ABILITY TO ACHIEVE ITS GROWTH AND PROFIT
Slide 25: FirstCash Investment Recap
NASDAQ: FCFS 25 FIRSTCASH INVESTMENT RECAP GLOBAL GROWTH ENGINES ‒ U.S. CORE STABILITY: STRONG CASH GENERATION WITH ONGOING GROWTH OPPORTUNITIES VIA TARGETED TUCK-IN ACQUISITIONS ‒ LATAM EXPANSION OPPORTUNITIES: SIGNIFICANT RUNWAY DRIVEN BY FAVORABLE DEMOGRAPHICS AND LOW COMPETITION ‒ U.K. MARKET EN
Slide 26: Non-GAAP Financial Measures
NASDAQ: FCFS F IRSTCASH HOLDINGS , INC . THE COMPANY USES CERTAIN FINANCIAL CALCULATIONS SUCH AS ADJUSTED NET INCOME, ADJUSTED DILUTED EARNINGS PER SHARE, EBITDA, ADJUSTED EBITDA, FREE CASH FLOW, ADJUSTED FREE CASH FLOW AND CONSTANT CURRENCY RESULTS AS FACTORS IN THE MEASUREMENT AND EVALUATION OF TH
Slide 27: Reconciliations of Non-GAAP Financial Measures to GAAP
NASDAQ: FCFS 27 RECONCILIATIONS OF NON-GAAP FINANCIAL MEASURES TO GAAP FINANCIAL MEASURES $ IN THOUSANDS , EXCEPT PER SHARE AMOUNTS PER SHARE Y/E Y/E Y/E Y/E Y/E Y/E Y/E Y/E Y/E Y/E 2021 2022 2023 2024 2025 2021 2022 2023 2024 2025 NET INCOME AND DILUTED EARNINGS PER SHARE, AS REPORTED $124,909 $253
Slide 28: Investor Relations
INVESTOR RELATIONS — INVESTORRELATIONS@FIRSTCASH.COM — INVESTORS.FIRSTCASH.COM — 817-258-2650 NASDAQ: FCFS F IRSTCASH HOLDINGS , INC . 28 CONNECT WITH US: GAR JACKSON (GLOBAL IR GROUP) — GAR@GLOBALIRGROUP.COM — 817-886-6998
FirstCash Holdings — Investor Presentation (March 2026) on 6ix