Firstcash Holdings, Inc. · NASDAQ:FCFS
Firstcash — Investor Presentation (August 2025)
34 slides from Firstcash's investor presentation, Aug 21, 2025
Slide 1: Investor Presentation August 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 — A u g u s t 2 0 2 5 EXHIBIT 99.1
Slide 2: 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 “Company”), including estimated financial results for H&T for calendar year 2025 and expected earnings acc
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 JUNE 30, 2025 ‒ REVENUE: $3.4 BILLION ‒ GAAP NET INCOME: $292 MILLION ‒ ADJUSTED NET INCOME: $343 MILLION ‒ ADJUSTED EBITDA: $613 MILLION SECOND QUARTER 2025 HIGHLIGHTS ‒ GAAP EPS UP 24% TO PY
Slide 5: H&T Acquisition: Compelling Benefits of the Transaction
5PAGEFIRSTCASH 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. Contrib
Slide 6: Pawn Operations
6PAGEFIRSTCASH HOLDINGS, INC. PAWN OPERATIONS NASHVILLE, TENNESSEE NASDAQ: FCFS INVESTORS.FIRSTCASH.COM
Slide 7: 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 8: 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 08/15/2025 FIRSTCASH PAWN HISTORY PRIMARY LONG-TERM BUSINESS PLAN IS TO CONTINUE GROWING PAWN REVENUES AND INCOME BY OPENING NEW (“DE NOVO”) RETAIL PAWN
Slide 9: Pawn Product Overview
1 2 3 4 9PAGE PAWN PRODUCT OVERVIEWNASDAQ: FCFS FIRSTCASH HOLDINGS, INC. $748 $96 $286 $0 $100 $200 $300 $400 $500 $600 $700 $800 U.K. LATAM U.S. PAWN LOANS ARE CUSTOMER FRIENDLY ‒ NON-RECOURSE LOANS ‒ NO CREDIT CHECK OR BANK ACCOUNT REQUIRED ‒ NO COLLECTION ACTIVITY OR REPORTING TO CREDIT BUREAUS P
Slide 10: 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 11: Pawn Has Performed Well Across Economic Cycles
PAWN HAS PERFORMED WELL ACROSS ECONOMIC CYCLES 11PAGE NASDAQ: FCFS FIRSTCASH HOLDINGS, INC. $3.4 $4.0 $4.3 $4.8 $5.0 $5.2 $5.3 $5.2 $5.2 $5.5 $6.0 $6.0 $6.1 $5.1 $5.4 $5.7 $6.0 $6.2 $6.4 $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 2024 Q2
Slide 12: Pawn Collateral and Inventory Composition
12PAGE NASDAQ: FCFS FIRSTCASH HOLDINGS, INC. U.S. PAWN LATAM PAWN CONSOLIDATED PAWN 43% 64%72% 55%41%61% 39%10% 18% 42% 10% 19% PAWN COLLATERAL PAWN COLLATERAL PAWN COLLATERAL INVENTORY INVENTORY INVENTORY INVESTORS.FIRSTCASH.COM PAWN COLLATERAL AND INVENTORY COMPOSITION JEWELRY ELECTRONICS TOOLS SP
Slide 13: 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 14: U.S. Pawn Segment
NASDAQ: FCFS 14PAGEFIRSTCASH HOLDINGS, INC. U.S. PAWN SEGMENT ALMOST 1,200 FULL-SERVICE U.S. LOCATIONS 29 STATES AND THE DISTRICT OF COLUMBIA AS OF 08/15/2025 GRAND PRAIRIE, TEXAS
Slide 15: U.S. Pawn Segment
15PAGE 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 8 3 30 57 79 126 156 252 281 289 0 120 240 360 2017 2018 2019 2020 2021 2022 2023 2024 Through Aug 15, 2025 U.S. PAWN MARKET IS LARGE AND HIGHLY FRA
Slide 16: Q2 2025 U.S. Pawn Segment Highlights
$271 $291 $356 $400 $186 $180 $223 $253 69% 62% 63% 63% $0 $150 $300 $450 Q2 2022 Q2 2023 Q2 2024 Q2 2025 PLB INV INV % OF PLB $754 $832 $187 $211 $0 $300 $600 $900 YTD 2024 YTD 2025 YTD 2024 YTD 2025 REVENUE SEGMENT CONTRIBUTION Q1 Q2 16PAGE Q2 2025 U.S. PAWN SEGMENT HIGHLIGHTS $ IN U.S. MILLIONS N
Slide 17: LATAM Pawn Segment
17PAGEFIRSTCASH 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 18: 25+ Years of LATAM Growth
18PAGE NASDAQ: FCFS FIRSTCASH HOLDINGS, INC. 25+ YEARS OF LATAM GROWTH STORE COUNT AND REVENUE — $ IN MILLIONS INVESTORS.FIRSTCASH.COM 60 45 61 60 19 1 10 60 46 61 70 19 0 30 60 90 2021 2022 2023 2024 2025 DE NOVO OPENINGS ACQUISITIONS $368 $417 $487 $557 $671 $553 $592 $675 $803 $812 $801 $368 $485
Slide 19: Q2 2025 LATAM Pawn Segment Highlights
19PAGE NASDAQ: FCFS FIRSTCASH HOLDINGS, INC. Q2 2025 LATAM PAWN SEGMENT HIGHLIGHTS $ IN CONSTANT CURRENCY 1 MILLIONS, EXCEPT AS OTHERWISE NOTED $401 $448 $69 $82 $0 $160 $320 $480 YTD 2024 YTD 2025 YTD 2024 YTD 2025 REVENUE SEGMENT CONTRIBUTION Q1 Q2 REVENUE & SEGMENT CONTRIBUTION1 55% 53% 54% 53% 3
Slide 20: U.K. Pawn Segment
20PAGEFIRSTCASH 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
Slide 21: H&T Acquisition at a Glance
21PAGEFIRSTCASH 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 22: Retail POS Payment Solutions
22PAGEFIRSTCASH HOLDINGS, INC. TAMPICO, MEXICO RETAIL POS PAYMENT SOLUTIONS INVESTORS.FIRSTCASH.COM
Slide 23: Retail POS Payment Solution Overview
23PAGEFIRSTCASH HOLDINGS, INC. RETAIL POS PAYMENT SOLUTION OVERVIEW PROVIDES PAYMENT SOLUTIONS FOR THIRD-PARTY RETAILERS AND SERVICE PROVIDERS LEASE-TO-OWN BANK LOANSRETAIL INSTALLMENT CUSTOMERS TAKE ITEMS HOME SAME DAY OR ARRANGE FOR DELIVERY TAKE ITEMS HOME — SAME DAY! AVAILABLE AT APPROXIMATELY 1
Slide 24: Door Count Growth & Merchant Diversification
1 2 24PAGEFIRSTCASH HOLDINGS, INC. INVESTORS.FIRSTCASH.COM DOOR COUNT GROWTH & MERCHANT DIVERSIFICATION TOTAL SECOND QUARTER ORIGINATION VOLUME INCREASED 3% YOY; EXCLUDING ORIGINATIONS FROM FURNITURE RETAILERS, SECOND QUARTER ORIGINATIONS INCREASED APPROXIMATELY 34% DRIVEN BY CONTRIBUTIONS FROM BOTH
Slide 25: Q2 2025 AFF POS Payment Solutions Highlights
$384 $496 YTD 2024 YTD 2025 $508 $496 YTD 2024 YTD 2025 $59 $90 YTD 2024 YTD 2025 5.0% 5.8% 5.7% 5.4% 5.2% 2% 4% 6% 8% Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 25PAGE Q2 2025 AFF POS PAYMENT SOLUTIONS HIGHLIGHTS $ IN U.S. MILLIONS FIRSTCASH HOLDINGS, INC. INVESTORS.FIRSTCASH.COM $514 $446 YTD 2024 YT
Slide 26: Financial Highlights
26PAGEFIRSTCASH HOLDINGS, INC. NASDAQ: FCFS FINANCIAL HIGHLIGHTS BOGOTA, COLOMBIA
Slide 27: Consolidated Operating Highlights
$3.04 $5.36 $4.80 $5.73 $6.50 $3.94 $5.19 $6.06 $6.70 $7.65 $0.00 $2.60 $5.20 $7.80 2021 2022 2023 2024 TTM Q2 2025 $125 $253 $219 $259 $292 $161 $246 $277 $303 $343 $0 $120 $240 $360 2021 2022 2023 2024 TTM Q2 2025 $1,699 $2,729 $3,152 $3,389 $3,388 $919 $1,265 $1,507 $1,630 $1,675 $0 $1,400 $2,800
Slide 28: 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 08/15/25 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 29: Return of Capital, Acquisitions and Capex Since 2010
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… 29PAGEFIRSTCASH HOLDINGS, INC. NASDAQ: FCFS STOCK REPURCHASES & DIVIDENDS ‒ OVER 18 MILLION SHARES
Slide 30: 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 30PAGEFIRSTCASH HOLDINGS, INC. NASDAQ: FCFS INVESTORS.FIRSTCASH.COM PAWN FOCUSED BUSINESS MODEL ‒ SMALL SECURED PAWN LOANS TO
Slide 31: Financial Appendix
31PAGEFIRSTCASH HOLDINGS, INC. FINANCIAL APPENDIX NASDAQ: FCFS FORT WORTH, TEXAS (REMODEL)
Slide 32: Non-GAAP Financial Information
32PAGE NON-GAAP FINANCIAL INFORMATION PLEASE REFERENCE THE FORM 10-Q FILED ON 07/28/2025 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 33: Reconciliations of Non-GAAP Financial Measures to GAAP
33PAGE RECONCILIATIONS OF NON-GAAP FINANCIAL MEASURES TO GAAP FINANCIAL MEASURESNASDAQ: FCFS Y/E Y/E Y/E Y/E TTM 2021 2022 2023 2024 Q2 2025 NET INCOME $124,909 $253,495 $219,301 $258,815 $291,770 INCOME TAXES 41,593 70,138 73,548 83,961 95,239 DEPRECIATION AND AMORTIZATION 1 45,906 103,832 109,161
Slide 34: Get in Touch With Us: Investor Relations
34PAGEFIRSTCASH 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
FirstCash Holdings — Investor Presentation (August 2025) on 6ix