Firstcash Holdings, Inc. · NASDAQ:FCFS
Firstcash — First Cash Financial Services — Investor Presentation (August 2005)
31 slides from Firstcash's investor presentation, Aug 3, 2005
Slide 1: Slide 1
Slide 2: Safe Harbor Statement
oe 7 Safe Harbor Statement July 2005
Slide 3: Company Overview
ot Company Overview I eal July 2005
Slide 4: Company History
: " Company History July 2005
Slide 5: Pawn Products
Pawn Products
Slide 6: Pawn Retail Metrics
Pawn Retail Metrics Composition of Pawn Inventory Jewelry ‘5% July 2005 Trailing 12 Months: = Total merchandise margins = Retail margins (excludes scrap jewelry sales) = Inventory turns 39% 44% 3.3x
Slide 7: Payday Advance Product
Payday Advance Product July 2005
Slide 8: Payday Advance Regulatory Landscape
ts Payday Advance rat Regulatory Landscape uly 2005
Slide 9: Payday Advance-Related Credit Services
Payday Advance-Related pe reat Credit Services July 2005
Slide 10: First Cash - Texas Credit Services Product
a First Cash - Texas rat Credit Services Product July 2005
Slide 11: Comparison of Texas Payday Advance Models
ee July 2005 Comparison of Texas Payday Advance Models
Slide 12: Geographic Markets
July 2005 Geographic Markets D as (ASH bd
Slide 13: Store Formats
Store Formats Payday Advance Stores Texas (First Cash Advance Cash & Go JV) California Washington Oregon Illinois D.C. July 2005
Slide 14: Store Counts
Ee. Store Counts July 2005
Slide 15: Revenue Mix
Revenue Mix Trailing 12 Months Ended June 30, 2005 Millions $100 $80 uGross Revenues _ Gross Profit Nerchandiee Paylay Advance Pawn Service Cherk Cashing & Sales Service Charges Charges July 2005
Slide 16: Consumer Finance Receivables
Consumer Finance Receivables July 2005
Slide 17: Superior Performance & Financial Position
July 2005 Superior Performance & Financial Position " Operating results — Industry leading performance metrics - Consistent growth — Increasing margins « Financial Position - Debt-free - Strong cash flows
Slide 18: Operational Focus
Operational Focus = Attention to key operational metrics: - Loan growth - Loan yields - Retail margins - Inventory management Expense control important part of corporate culture Sales associate & manager compensation 2001-2002 plans reward store profitability Pre-Tax Operating Income as Percentage o
Slide 19: Earnings Per Share Growth
Earnings Per Share Growth July 2005
Slide 20: Consistency of Earnings
, Consistency of Earnings
Slide 21: Net Cash Position
Net Cash Position Millions oon pute _ Interest Bearing Debt s July 2005
Slide 22: Slide 22
Slide 23: Balance Sheet
ie | Balance Sheet a July 2005
Slide 24: Recognition and Rankings
e - Recognition and Rankings July 2005
Slide 25: Growth Strategy
July 2005 Growth Strategy = New store openings in multiple markets — United States — Mexico » Multiple products — Pawn loans & related retail - Payday advances - Credit services
Slide 26: Mexico market opportunity
= Over 80% of the population is estimated 88% of all consumer transactions are made in” cash Estimated 2,500 Mexico pawnshops vs. 15,000+ in U.S. to be “unbanked” |
Slide 27: Mexico Expansion Markets
; Mexico Expansion Markets CHIHUAHUA COAHUILA DURANGO. July 2005
Slide 28: New Store Financial Model
: - New Store Financial Model July 2005
Slide 29: New Store Openings
New Store Openings = 4th Qtr = 8rd Qtr = 2nd Qtr “dst Qtr July 2005
Slide 30: First Cash Summary
: - First Cash Summary July 2005
Slide 31: Safe Harbor Statement
Safe Harbor Statement • Certain statements included in this presentation which are not historical in nature – including statements regarding the company’s and/or management’s strategies, beliefs, expectations, plans for new stores, plans and expected results for new products and services, projection
First Cash Financial Services — Investor Presentation (August 2005) on 6ix