Firstcash Holdings, Inc. · NASDAQ:FCFS
Firstcash — Investor Presentation (August 2026)
30 slides from Firstcash's investor presentation, Aug 6, 2026
Slide 1: Investor Presentation — August 2026
INVESTOR PRESENTATION — AUGUST 2026 1 NASDAQ: FCFS EXHIBIT 99.1
Slide 2: Cautionary Statement Regarding Forward-Looking Statements
NASDAQ: FCFS 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 “COMPANY”), INCLUDING THE COMPANY
Slide 3: Q2 2026 Highlights
NASDAQ: FCFS 3 ‒ REVENUE UP 29% TO PY ‒ GAAP EPS UP 58% TO PY ‒ ADJUSTED EPS UP 40% TO PY ‒ ADJUSTED EBITDA UP 39% TO PY Q2 2026 HIGHLIGHTS ‒ REVENUE $4.1 BILLION ‒ GAAP NET INCOME $388 MILLION ‒ ADJ. NET INCOME $447 MILLION ‒ ADJ. EBITDA $802 MILLION ‒ ADJ. FREE CASH FLOW $309 MILLION BY THE NUMBER
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 (MEXI CO , G UATEM ALA , C OLOM BI A ,
Slide 5: FirstCash Pawn History
NASDAQ: FCFS 66 123 282 595 906 2,085 2,679 3,026 3,343 1988 1989 – 1996 1997 – 2001 2002 – 2005 2006 - 2010 2011 – 2013 2014 – 2016 2017 – 2019 2020 – 2024 2025 -2026 FIRST ACQUIRED STORE SUITLAND, MD USA FIRST STORE 1988 HALTOM CITY, TX USA 100+ STORES IN MEXICO 500TH LATAM STORE OPENED 500TH DE N
Slide 6: Pawn Product Overview
NASDAQ: FCFS 6 PAWN PRODUCT OVERVIEW TYPICAL RETAIL MARGIN: 35% - 45% AVERAGE MONTHLY FEE OF ~$35 IN THE U.S. AND ~$15 IN LATAM CUSTOMER DOES NOT REPAY LOAN OR FEE COLLATERAL FORFEITS CUSTOMER REPAYS LOAN & PAWN SERVICE FEE COLLATERAL RETURNED TO CUSTOMER MAKE DECISION TO SELL OR TAKE A PAWN LOAN SE
Slide 7: Proprietary Intelligence: Driving Consistent Returns at Scale
NASDAQ: FCFS 7 PROPRIETARY INTELLIGENCE: DRIVING CONSISTENT RETURNS AT SCALE STRATEGIC VALUE: OUR PROPRIETARY DATA ECOSYSTEM TRANSFORMS 14M ANNUAL RETAIL TRANSACTIONS INTO PREDICTABLE RETAIL MARGINS PROPRIETARY INTELLIGENCE ‒ REAL-TIME INVENTORY AND LENDING INTELLIGENCE ‒ ALGORITHMIC VALUATION AND P
Slide 8: Pawn Has Performed Well Across Economic Cycles
NASDAQ: FCFS 8 PAWN HAS PERFORMED WELL ACROSS 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 TIGHTENING B
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 10 U.S. PAWN SEGMENT OVER 1,200 FULL-SERVICE U.S. LOCATIONS 29 STATES AND THE DISTRICT OF COLUMBIA MARKET PRESENCE 28 STORES ADDED IN THE LAST 12 MONTHS OVER 300 STORES ADDED IN THE LAST 10 YEARS MARKET GROWTH AS OF 06/30/2026
Slide 11: U.S. Pawn Market Overview
NASDAQ: FCFS 11 AS OF 06/30/2026 U.S PAWN MARKET OVERVIEW ~80% OF STORES LOCATED IN HIGH-GROWTH SUNBELT MARKETS H IGHLY FRAGMENTED : 12,000 TO 14,000 U.S. PAWNSHOPS PROVIDE LONG-TERM CONSOLIDATION OPPORTUNITIES CUMULATIVE U.S. STORE ADDITIONS (SINCE MERGER WITH CASH AMERICA) 27 27 22 47 30 96 29 25
Slide 12: Projected Demographic Tailwinds and Target Expansion Markets
NASDAQ: FCFS 27%, +8.55M 22%, +5.15M 8%, +3.09M 28%, +2.25M 29%, +1.73M 15%, +1.70M 17%, +1.30M 35%, +1.23M 11%, +1.17M 10%, +0.89M 27%, +0.88M 19%, +0.83M 4%, +0.82M 10%, +0.75M 13%, +0.69M 1. TEXAS (491) 2. FLORIDA (86) 3. CALIFORNIA (0) 4. WASHINGTON (30) 5. COLORADO (22) 6. GEORGIA (50) 7. ARIZO
Slide 13: Substantial Real Estate Portfolio
NASDAQ: FCFS 13 SUBSTANTIAL REAL ESTATE PORTFOLIO 68 90 155 198 251 295 338 395 435 458 $95 $116 $189 $237 $311 $393 $464 $550 $612 $652 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 # OF STORES COST COST $ IN MILLIONS TEXAS 54% FLORIDA 7% TENNESSEE 4% GEORGIA 4% LOUSIANA 4% OTHER (20 STATES) 27
Slide 14: Q2 2026 Highlights — U.S. Pawn Segment
NASDAQ: FCFS SECOND QUARTER GROWTH METRICS 10% 12% 13% 13% 13% 12% 19% 19% 23% 24% 32% 32% 2025 Q3 2025 Q4 2026 Q1 2026 Q2 PRIOR-YEAR CURRENT-YEAR SAME-STORE RECEIVABLES: 2-YR GROWTH 43% 42% 43% 43% 23% 24% 24% 26% RETAIL SEGMENT PRE-TAX MARGIN PERFORMANCE $291 $356 $400 $482 $180 $223 $253 $324 1.6
Slide 15: LATAM Pawn Segment
NASDAQ: FCFS STORES IN 4 COUNTRIES: — MEXICO 1,729 — GUATEMALA 77 — EL SALVADOR 18 — COLOMBIA 12 LARGEST PAWN OPERATOR IN MEXICO 15 LATAM PAWN SEGMENT MORE THAN 1,800 LATAM LOCATIONS MARKET PRESENCE AS OF 06/30/2026
Slide 16: Latin America Pawn Segment
NASDAQ: FCFS MEXICO: 1,729 LOCATION COUNT BY COUNTRY: EL SALVADOR: 18 COLOMBIA: 12GUATEMALA : 77 16 LATIN AMERICA PAWN SEGMENT AS OF 06/30/2026 LARGE UNDERSERVED MARKET: CAPTURING HIGH DEMAND FROM LATIN AMERICA’S SIGNIFICANT UNBANKED POPULATION FUTURE PIPELINE: ACTIVELY IDENTIFYING AND EVALUATING NE
Slide 17: Q2 2026 Highlights — LATAM Pawn Segment
NASDAQ: FCFS 51% 34% 15% JEWELRY ELECTRONICS OTHER SECOND QUARTER GROWTH METRICS ($ IN USD) 6% 12% 14% 13% 18% 23% 30% 22% 24% 35% 44% 35% 2025 Q3 2025 Q4 2026 Q1 2026 Q2 PRIOR-YEAR CURRENT-YEAR SAME-STORE RECEIVABLES: 2-YR GROWTH 1 35% 36% 36% 35% 20% 18% 20% 20% RETAIL SEGMENT PRE-TAX $135 $135 $1
Slide 18: U.K. Pawn Segment
NASDAQ: FCFS 18 U.K. PAWN SEGMENT AS OF 06/30/2026 STORES IN 3 COUNTRIES: — ENGLAND 262 — SCOTLAND 26 — WALES 7 ENTRY INTO EUROPE BY ACQUIRING 286 LOCATIONS MARKET PRESENCE ADDED 9 NEW STORES THROUGH JUNE 2026 MARKET GROWTH ADDITIONAL 2026 OPENINGS PLANNED
Slide 19: U.K. Pawn Segment: H&T Acquisition
NASDAQ: FCFSU.K. PAWN SEGMENT H&T ACQUISITION 19 • 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 • 295 STORES ARE CONVENIENTLY LOCATED IN MOST MAJOR TOWNS AND CITIES THROUGHOUT ENGLAND, SCOTLAND, AND WALES
Slide 20: Ramsdens Acquisition — Benefits of the Transaction
NASDAQ: FCFS 20 RAMSDENS ACQUISITION — COMPELLING BENEFITS OF THE TRANSACTION 1 Amounts presented on an IFRS basis in USD using a GBP/USD average exchange rate over the period of 1.34. 2 Calculated as reported EBITDA less expenses related to depreciation of the right-of-use assets and interest on le
Slide 21: Retail POS Payment Solutions Segment
NASDAQ: FCFS 21 RETAIL POS PAYMENT SOLUTIONS SEGMENT
Slide 22: AFF Gross Transaction Volume & Merchant Diversification
NASDAQ: FCFS AFF GROSS TRANSACTION VOLUME & MERCHANT DIVERSIFICATION 22 POS PAYMENT TRANSACTION ORIGINATIONS BY PRODUCT CATEGORY 61% 52% 48% 37% 23% 20% 15% 20% 19% 24% 25% 28% 2% 7% 12% 18% 22% 5% 5% 8% 10% 11% 10% 19% 21% 18% 17% 23% 20% 0% 25% 50% 75% 100% 2021 2022 2023 2024 2025 YTD Q2 2026 FUR
Slide 23: Consolidated Financial Highlights
NASDAQ: FCFS 23 CONSOLIDATED FINANCIAL HIGHLIGHTS
Slide 24: Financial Highlights
NASDAQ: FCFS REVENUE $2,729 $3,152 $3,389 $3,661 $4,120 $1,265 $1,507 $1,630 $1,841 $2,080 2022 2023 2024 2025 TTM Q2 2026 REVENUE NET REVENUE FINANCIAL HIGHLIGHTS $ IN MILLIONS, EXCEPT PER SHARE AMOUNTS 1 NON-GAAP FINANCIAL MEASURE. SEE RECONCILIATION OF NON-GAAP FINANCIAL MEASURES ELSEWHERE IN THI
Slide 25: Cash Dividends & Share Repurchases
NASDAQ: FCFS SHARE REPURCHASE HISTORY SINCE 2021 $158 $114 $85 $115 $250 $50 $207 $322 $407 $522 $772 688 2,892 4,140 4,861 5,773 6,983 0 5 , 0 0 0 1 0 , 0 0 0 1 5 , 0 0 0 2 0 , 0 0 0 $ 0 $ 1 0 0 $ 2 0 0 $ 3 0 0 $ 4 0 0 $ 5 0 0 $ 6 0 0 $ 7 0 0 $ 8 0 0 $ 9 0 0 2021 2022 2023 2024 2025 2026 C U M U LA
Slide 26: Balance Sheet and Cash Flow Supporting Growth and Shareholder Returns
NASDAQ: FCFS THE COMPANY’S STRONG BALANCE SHEET AND CASH FLOW SUPPORT SIMULTANEOUS GROWTH IN THE STORE BASE, EARNING ASSETS, AND SHAREHOLDER RETURNS GROWTH INVESTMENTS & SHAREHOLDER PAYOUTS SINCE 2016 — $ IN MILLIONS 26 $0 $1,500 $3,000 $4,500 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 YTD Q2
Slide 27: Investment Recap
NASDAQ: FCFS 27 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 ENTRY: STRAT
Slide 28: Non-GAAP Financial Measures
NASDAQ: FCFS 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 THE COMPANY’S OPERATING PERFO
Slide 29: Reconciliations of Non-GAAP Financial Measures to GAAP
NASDAQ: FCFS 29 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 TTM Y/E Y/E Y/E Y/E YTD Q2 2022 2023 2024 2025 Q2 2026 2022 2023 2024 2025 2026 NET INCOME AND DILUTED EARNINGS PER SHARE, AS REPORTED $253,49
Slide 30: Investor Relations
INVESTOR RELATIONS — INVESTORRELATIONS@FIRSTCASH.COM — INVESTORS.FIRSTCASH.COM — 817-258-2650 NASDAQ: FCFS 30 CONNECT WITH US: GAR JACKSON (GLOBAL IR GROUP) — GAR@GLOBALIRGROUP.COM — 817-886-6998
FirstCash Holdings — Investor Presentation (August 2026) on 6ix