Firstcash Holdings, Inc. · NASDAQ:FCFS
Firstcash — Investor Presentation (April 2026)
28 slides from Firstcash's investor presentation, Apr 24, 2026
Slide 1: Investor Presentation — April 2026
INVESTOR PRESENTATION — APRIL 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: Q1 2026 Highlights
NASDAQ: FCFS 3 ‒ GAAP NET INCOME UP 29% TO PY ‒ GAAP EPS UP 30% TO PY ‒ ADJUSTED EPS UP 30% TO PY ‒ ADJUSTED EBITDA UP 29% TO PY Q1 2026 HIGHLIGHTS ‒ REVENUE $3.9 BILLION ‒ GAAP NET INCOME $354 MILLION ‒ ADJ. NET INCOME $416 MILLION ‒ ADJ. EBITDA $746 MILLION ‒ ADJ. FREE CASH FLOW $267 MILLION BY TH
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 3,334 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 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 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 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 10 U.S. PAWN SEGMENT OVER 1,200 FULL-SERVICE U.S. LOCATIONS 29 STATES AND THE DISTRICT OF COLUMBIA MARKET PRESENCE 24 STORES ADDED IN THE LAST 12 MONTHS OVER 300 STORES ADDED IN THE LAST 10 YEARS MARKET GROWTH AS OF 03/31/2026
Slide 11: 80% of Stores Located in High-Growth Southern Markets
NASDAQ: FCFS 80% OF STORES LOCATED IN HIGH-GROWTH SOUTHERN MARKETS 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 49 491 6 1 5 22 7 19 39 29 20 23 68 56 4622 86 49 22 13 27 MD 28 DC 2 FORT WORTH, TX FIRSTCASH HEADQUARTERS 2 MS 5 3 3 1 OR ND SD IA TARGET EXPANSION MARKET
Slide 12: Substantial Real Estate Portfolio
NASDAQ: FCFS 12 SUBSTANTIAL REAL ESTATE PORTFOLIO — DOMESTIC REAL ESTATE: FIRSTCASH CONTINUES TO ACQUIRE AND HAS OVER $640 MILLION (AT COST) OF STORE REAL ESTATE AND THE TOWER THAT SERVES AS ITS CORPORATE HEADQUARTERS IN DOWNTOWN FORT WORTH, TX — STORE PORTFOLIO VALUE: THE COMPANY’S DOMESTIC STORE R
Slide 13: Q1 2026 Highlights — U.S. Pawn Segment
NASDAQ: FCFS F IRSTCASH HOLDINGS , INC . $423 $489 $113 $141 2025 2026 2025 2026 +16% +25% REVENUE & SEGMENT CONTRIBUTION 11% 10% 12% 13% 13% 13% 12% 19% 24% 23% 24% 32% 2025 Q2 2025 Q3 2025 Q4 2026 Q1 PRIOR-YEAR CURRENT-YEAR SAME-STORE RECEIVABLES: 2-YR GROWTH 58% 59% 59% 60% 42% 41% 42% 44% 24% 26
Slide 14: LATAM Pawn Segment
NASDAQ: FCFS STORES IN 4 COUNTRIES: — MEXICO 1,733 — GUATEMALA 75 — EL SALVADOR 18 — COLOMBIA 12 LARGEST PAWN OPERATOR IN MEXICO 14 LATAM PAWN SEGMENT MORE THAN 1,800 LATAM LOCATIONS MARKET PRESENCE AS OF 03/31/2026
Slide 15: Latin America Pawn Segment
NASDAQ: FCFS F IRSTCASH HOLDINGS , INC . $368 $417 $487 $557 $671 $553 $592 $675 $803 $812 $890 $963 $368 $485 $573 $666 $803 $725 $742 $839 $892 $927 $1,059 $1,107 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Q1 2026 TOTAL REVENUE, USD $ CC TOTAL REVENUE, 2015 MXN @ 15.85 LARGE UNDERS
Slide 16: Q1 2026 Highlights — LATAM Pawn Segment
NASDAQ: FCFS F IRSTCASH HOLDINGS , INC . 51% 34% 15% JEWELRY ELECTRONICS OTHER $184 $226 $31 $47 2025 2026 2025 2026 REVENUE & SEGMENT CONTRIBUTION 1 8% 6% 12% 14% 13% 18% 23% 30% 21% 24% 35% 44% 2025 Q2 2025 Q3 2025 Q4 2026 Q1 PRIOR-YEAR CURRENT-YEAR SAME-STORE RECEIVABLES: 2-YR GROWTH 1 50% 53% 53
Slide 17: U.K. Pawn Segment
NASDAQ: FCFS 17 U.K. PAWN SEGMENT AS OF 03/31/2026 STORES IN 3 COUNTRIES: — ENGLAND 256 — SCOTLAND 26 — WALES 7 ENTRY INTO EUROPE BY ACQUIRING 286 LOCATIONS MARKET PRESENCE ADDED 3 STORES IN Q1 2026 MARKET GROWTH ADDITIONAL 2026 OPENINGS PLANNED
Slide 18: U.K. Pawn Segment: 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 • 289 STORES ARE CONVENIENTLY LOCATED IN MOST MAJOR TOWNS AND CITIES TH
Slide 19: Retail POS Payment Solutions Segment
NASDAQ: FCFS 19 RETAIL POS PAYMENT SOLUTIONS SEGMENT
Slide 20: Gross Transaction Volume & Merchant Diversification
NASDAQ: FCFS F IRSTCASH HOLDINGS , INC . GROSS TRANSACTION VOLUME & MERCHANT DIVERSIFICATION 20 POS PAYMENT TRANSACTION ORIGINATIONS BY PRODUCT CATEGORY 61% 52% 48% 37% 23% 21% 15% 20% 19% 24% 25% 27% 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 2
Slide 21: Consolidated Financial Highlights
NASDAQ: FCFS 21 CONSOLIDATED FINANCIAL HIGHLIGHTS
Slide 22: Financial Highlights
NASDAQ: FCFS REVENUE $2,729 $3,152 $3,389 $3,661 $3,876 $1,265 $1,507 $1,630 $1,841 $1,959 2022 2023 2024 2025 TTM Q1 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 23: Cash Dividends & Share Repurchases
NASDAQ: FCFS F IRSTCASH HOLDINGS , INC . SHARE REPURCHASES SINCE 2021 $50 $158 $114 $85 $115 $50 $50 $207 $322 $407 $522 $572 688 2,892 4,140 4,861 5,773 6,034 0 5 , 0 0 0 1 0 , 0 0 0 1 5 , 0 0 0 $ 0 $ 1 9 0 $ 3 8 0 $ 5 7 0 2021 2022 2023 2024 2025 2026 C U M U L A T IV E C O U N T C U M U L A T IV
Slide 24: Growth Investments & Shareholder Payouts Since 2016
NASDAQ: FCFS F IRSTCASH HOLDINGS , INC . GROWTH INVESTMENTS & SHAREHOLDER PAYOUTS SINCE 2016 — $ IN MILLIONS 24 $0 $1,500 $3,000 $4,500 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 YTD Q1 2026 CUMULATIVE TOTAL $4.3 BILLION THE COMPANY’S STRONG BALANCE SHEET AND CASH FLOW SUPPORT SIMULTANEOUS GR
Slide 25: Investment Recap
NASDAQ: FCFS 25 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 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 TTM Y/E Y/E Y/E Y/E Q1 2022 2023 2024 2025 Q1 2026 2022 2023 2024 2025 2026 NET INCOME AND DILUTED EARNINGS PER SHARE, AS REPORTED $253,495 $2
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 (April 2026) on 6ix