Firstcash Holdings, Inc. · NASDAQ:FCFS
Firstcash — Investor Presentation (September 2026)
32 slides from Firstcash's investor presentation, September 2026
Slide 1: Investor Presentation — September 2026
NASDAQ: FCFS INVESTOR PRESENTATION — SEPTEMBER 2026 1
Slide 2: Cautionary Statement Regarding Forward-Looking Statements
CAUTIONARY STATEMENT REGARDING FORWARD-LOOKING STATEMENTS NASDAQ: FCFS THIS PRESENTATION CONTAINS FORWARD-LOOKING STATEMENTS ABOUT THE THIS PRESENTATION. SUCH FACTORS AND RISKS MAY INCLUDE, WITHOUT SOLUTIONS; THE ABILITY OF THE COMPANY TO SUCCESSFULLY EXECUTE ON ITS BUSINESS, FINANCIAL CONDITION, OU
Slide 3: By the Numbers
NASDAQ: FCFS BY THE NUMBERS TRAILING TWELVE MONTHS AS OF JUNE 30, 2026 ‒ REVENUE $4.1 B ILLION ‒ GAAP NET INCOME $388 MILLION ‒ ADJ. NET INCOME $447 M ILLION ‒ ADJ. EBITDA $802 M ILLION ‒ ADJ. FREE CASH FLOW $309 MILLION Q2 2026 HIGHLIGHTS ‒ REVENUE U P 29% TO PY ‒ GAAP EPS U P 58% TO PY ‒ ADJUSTED
Slide 4: Investment Recap
NASDAQ: FCFS INVESTMENT RECAP RESILIENT PAWN FOCUSED BUSINESS MODEL ROBUST BALANCE SHEET & CASH FLOW ‒ ESSENTIAL SERVICE: SERVES THE UNDERSERVED VIA SMALL, SECURED LOANS TO ‒ SELF-FUNDED STRATEGIC GROWTH: ORGANICALLY EXPANDING OUR CORE LOAN UNBANKED AND UNDERBANKED CONSUMERS LACKING TRADITIONAL CRED
Slide 5: Pawn Overview
NASDAQ: FCFS PAWN OVERVIEW B RANDS O UR C USTOMERS K NOW AND R ELY O N F I RST C ASH I S TH E LE ADI NG I NTE RNATI O NAL O PE RATOR O F PAWN STORES WI TH M O RE THAN 3,300 RETAI L PAWN LOCATI ONS AND APPRO XI M ATE LY 22,000 E M PLO Y E E S I N 29 U.S. STATES , THE D I STRI CT O F C OLUM BI A , FOU
Slide 6: FirstCash Pawn History
FIRSTCASH PAWN HISTORY NASDAQ: FCFS OVER 35 YEARS OF SUCCESS IN THE PAWN BUSINESS LARGEST PAWN OPERATOR IN THE AMERICAS AND THE U.K. P RIMARY L ONG -T ERM F OCUS ON G ROWING P AWN R EVENUES AND I NCOME FIRST STORES IN THE U.K. 286 S TORE ACQUISITION — O PENING NEW (“ DE NOVO ”) RETAIL PAWN LOCATIONS
Slide 7: Ten Years Since First Cash and Cash America Merged to Become FirstCash
TEN YEARS SINCE FIRST CASH AND CASH AMERICA MERGED TO BECOME FIRSTCASH NASDAQ: FCFS PRO FORMA 20161 ACTUAL TTM GROWTH THE MERGER CREATED THE LEADING PAWN PLATFORM IN (YEAR OF MERGER) JUNE 2026 MULTIPLE THE AMERICAS — THE DECADE SINCE HAS COMPOUNDED IT ‒ SEPTEMBER 2016 COMBINED THE TWO TEXAS-BASED PA
Slide 8: Pawn Product Overview
PAWN PRODUCT OVERVIEW NASDAQ: FCFS PAWN TRANSACTION CYCLE PAWN LOANS ARE CUSTOMER FRIENDLY T OTAL TRANSACTION TIME GENERALLY LESS THAN 15 MINUTES ‒ NON-RECOURSE LOANS CUSTOMER NEEDING CASH ENTERS STORE WITH PERSONAL ASSET ‒ NO CREDIT CHECK OR BANK ACCOUNT REQUIRED MAKE DECISION TO SELL OR TAKE A PAW
Slide 9: Proprietary Data and Scale Provide Competitive Advantage
PROPRIETARY DATA AND SCALE PROVIDE COMPETITIVE ADVANTAGE NASDAQ: FCFS PROPRIETARY INTELLIGENCE SCALABILITY OF OUR PROPRIETARY DATA ECOSYSTEM ‒ REAL-TIME INVENTORY AND LENDING INTELLIGENCE ‒ OVER 3,300 LOCATIONS AND 14M ANNUAL RETAIL TRANSACTIONS ‒ ALGORITHMIC VALUATION AND PRICING STRATEGY ‒ OPTIMIZ
Slide 10: Pawn Has Performed Well Across Economic Cycles
PAWN HAS PERFORMED WELL ACROSS ECONOMIC CYCLES NASDAQ: FCFS DOMESTIC LEGACY1 CORE PAWN GP: RETAIL GROSS PROFIT PAWN FEES $ IN THOUSANDS — AVG TTM PER STORE CUSTOMER DEMAND REFLECTS FAVORABLE $1,142 DEMOGRAPHIC TRENDS AND AFFORDABILITY FINANCIAL CRISIS COVID $1,084 $991 CONCERNS $903 $843 $830 $823 $
Slide 11: Sustainability Is Core to FirstCash and a Commitment to Social Responsibility
S USTAINABILITY IS CORE TO F IRSTCASH NASDAQ: FCFS AND A C OMMITMENT TO S OCIAL R ESPONSIBILITY SUSTAINABILITY SOCIAL RESPONSIBILITY EMPLOYEE EMPOWERMENT PAWNSHOPS PIONEERED CIRCULAR ECONOMY ‒ EMPLOYEE-TRAINING PROGRAMS THAT PROMOTE CUSTOMER SERVICE AND PROFESSIONALISM ‒ N EIGHBORHOOD-BASED STORES C
Slide 12: U.S. Pawn Segment
NASDAQ: FCFS MARKET PRESENCE MARKET GROWTH U.S. PAWN SEGMENT OVER 1,200 FULL-SERVICE U.S. LOCATIONS 28 STORES ADDED IN THE LAST 12 MONTHS 29 STATES AND THE OVER 300 STORES ADDED IN DISTRICT OF COLUMBIA THE LAST 10 YEARS AS OF 06/30/2026 12
Slide 13: U.S. Pawn Market Overview
NASDAQ: FCFS U.S PAWN MARKET OVERVIEW CURRENT U.S. FOOTPRINT CUMULATIVE U.S. STORE ADDITIONS WA ( SINCE MERGER WITH C ASH AMERICA) 30 YTD 2026 9315 ND OR 3 2025 25 306 5 SD 2024 29 281 WY 3 2023 96 252 NV 1 IA UT NE 1 2022 30 156 33 7 IL IN OH 5 CO 39 55 MD 2021 47 126 22 MO 23 28 VA DC 2020 22 79 2
Slide 14: Projected Demographic Tailwinds (2025-2050)
NASDAQ: FCFS PROJECTED DEMOGRAPHIC TAILWINDS (2025-2050) TOP 15 STATES BY PROJECTED POPULATION GROWTH ACTIVE MARKET OUT OF MARKET TARGET EXPANSION MARKETS STATE (FC STORE COUNT) ‒ GROWING POPULATION WITH 1. TEXAS (491) 27%, +8.55M FAVORABLE DEMOGRAPHICS 2. FLORIDA (86) 22%, +5.15M ‒ PREDICTABLE ENVI
Slide 15: Substantial Real Estate Portfolio
SUBSTANTIAL REAL ESTATE PORTFOLIO NASDAQ: FCFS CUMULATIVE U.S. REAL ESTATE HOLDINGS (AT COST) U.S. REAL ESTATE HOLDINGS BY STATE COST $ IN MILLIONS $652 $612 FLORIDA TENNESSEE $550 7% 4% GEORGIA 4% LOUSIANA $464 458 4% 435 $393 395 338 $311 295 251 $237 $189 198 155 TEXAS $116 54% $95 90 68 OTHER (2
Slide 16: Q2 2026 Highlights — U.S. Pawn Segment
Q2 2026 HIGHLIGHTS — U.S. PAWN SEGMENT NASDAQ: FCFS $ IN MILLIONS SECOND QUARTER SAME-STORE RECEIVABLES: TOTAL PAWN RECEIVABLES GROWTH METRICS 2-YR GROWTH AND INVENTORIES MARGIN PERFORMANCE PRIOR-YEAR CURRENT-YEAR PLB INV AGED INV RETAIL SEGMENT PRE-TAX (360+ DAYS % OF TOTAL INV) • REVENUES +22% 1.9
Slide 17: LatAm Pawn Segment
NASDAQ: FCFS MARKET PRESENCE LATAM PAWN MORE THAN 1,800 LATAM LOCATIONS STORES IN 4 COUNTRIES: — MEXICO 1,729 SEGMENT — GUATEMALA 77 LARGEST PAWN OPERATOR IN MEXICO — EL SALVADOR 18 — COLOMBIA 12 AS OF 06/30/2026 17
Slide 18: Latin America Pawn Segment
NASDAQ: FCFS LATIN AMERICA PAWN SEGMENT L ARGE U NDERSERVED M ARKET : C APTURING HIGH DEMAND FROM L OCATION C OUNT BY C OUNTRY : L ATIN A MERICA’ S SIGNIFICANT UNBANKED POPULATION SCALABLE FOUNDATION: STRONG CASH FLOWS AND ESTABLISHED INFRASTRUCTURE FUEL LONG-TERM REGIONAL GROWTH M EXICO : 1,729 G U
Slide 19: Q2 2026 Highlights — LatAm Pawn Segment
Q2 2026 HIGHLIGHTS — LATAM PAWN SEGMENT NASDAQ: FCFS 1 $ IN CONSTANT CURRENCY MILLIONS, EXCEPT AS OTHERWISE NOTED 1 CONSTANT CURRENCY RESULTS ARE NON-GAAP FINANCIAL MEASURES. PLEASE REFERENCE THE PRESS RELEASE DATED 07/23/2026 FOR FURTHER EXPLANATION SECOND QUARTER GROWTH SAME-STORE RECEIVABLES: TOT
Slide 20: U.K. Pawn Segment
NASDAQ: FCFS MARKET PRESENCE MARKET GROWTH ENTRY INTO EUROPE BY ADDED 9 NEW STORES U.K. PAWN SEGMENT ACQUIRING 286 LOCATIONS STORES IN 3 COUNTRIES: THROUGH JUNE 2026 ADDITIONAL 2026 — ENGLAND 262 OPENINGS PLANNED — SCOTLAND 26 — WALES 7 AS OF 06/30/2026 20
Slide 21: U.K. Pawn Segment — H&T Acquisition
U.K. PAWN SEGMENT NASDAQ: FCFS H&T ACQUISITION H&T Q2 2026 HIGHLIGHTS: THE SECOND QUARTER OF 2026 REPRESENTED THE THIRD FULL QUARTER OF U.K. SEGMENT OPERATING RESULTS SINCE FIRSTCASH’S ACQUISITION OF H&T EFFECTIVE AUGUST 14, 2025. TOTAL REVENUES OF $95 MILLION, WITH STRONG GROWTH OVER THE PRIOR-YEAR
Slide 22: Ramsdens Acquisition — Compelling Benefits of the Transaction
RAMSDENS ACQUISITION — COMPELLING BENEFITS OF THE TRANSACTION NASDAQ: FCFS STRENGTHENS FIRSTCASH’S POSITION AS A LEADING PAWNBROKING OPERATOR IN THE U.K. RAMSDENS FINANCIAL HIGHLIGHTS: TRAILING TWELVE MONTHS ENDED MARCH 31, 2026 (USD)1 • RAMSDENS REPRESENTS A HIGHLY COMPLEMENTARY STRATEGIC FIT ALONG
Slide 23: Retail POS Payment Solutions Segment
NASDAQ: FCFS RETAIL POS PAYMENT SOLUTIONS SEGMENT 23
Slide 24: Q2 2026 Highlights — Retail POS Payment Solutions Segment
Q2 2026 HIGHLIGHTS —RETAIL POS PAYMENT SOLUTIONS SEGMENT NASDAQ: FCFS $ IN MILLIONS YEAR-TO-DATE ORIGINATION VOLUMES DECREASED 6% YOY; DUE PRIMARILY TO POS PAYMENT TRANSACTION CONTINUED WEAKNESS IN THE FURNITURE INDUSTRY COUPLED WITH AN INCREASED ORIGINATIONS BY PRODUCT CATEGORY STRATEGIC FOCUS ON M
Slide 25: Consolidated Financial Highlights
NASDAQ: FCFS CONSOLIDATED FINANCIAL HIGHLIGHTS 25
Slide 26: Financial Highlights
FINANCIAL HIGHLIGHTS NASDAQ: FCFS $ IN M ILLIONS , E XCEPT PER S HARE A MOUNTS REVENUE EPS 1 REVENUE NET REVENUE $4,120 EPS A DJUSTED EPS $3,661 $3,389 $8.76 $3,152 $2,729 $7.42 $6.70 $6.06 $5.73 $2,080 $5.36 $5.19 $5.19 $1,841 $4.80 $4.56 $1,507 $1,630 $1,265 2022 2023 2024 2025 TTM Q2 2026 2022 20
Slide 27: FirstCash Upsizes Credit Facility to $1.1 Billion
NASDAQ: FCFS FIRSTCASH UPSIZES CREDIT FACILITY TO $1.1 BILLION – EXTENDS MATURITY DATE TO AUGUST 2031 $ IN MILLIONS DEBT M ATURITY SCHEDULE ON AUGUST 31, 2026, THE COMPANY ANNOUNCED THE AMENDED TERMS OF ITS UNSECURED $1,200 REVOLVING CREDIT FACILITY (“RCF”) TO FURTHER $1,055 SUPPORT THE C OMPANY ’ S
Slide 28: Strong Cash Flows Drive Increasing Dividends and Share Buybacks
STRONG CASH FLOWS DRIVE INCREASING DIVIDENDS AND SHARE BUYBACKS NASDAQ: FCFS CASH DIVIDENDS SHARE REPURCHASES — YEAR-TO-DATE -C URRENT QUARTERLY DIVIDEND OF $0.42 - $250 MILLION IN SHARE REPURCHASES THROUGH 08/05/2026 -A NNUALIZES TO $1.68 PER S HARE - 1.2 MILLION SHARES REPURCHASED AT AN AVERAGE PR
Slide 29: Growth Investments & Shareholder Payouts
GROWTH INVESTMENTS & SHAREHOLDER PAYOUTS NASDAQ: FCFS SINCE 2016 — $ IN MILLIONS CUMULATIVE TOTAL RETURN OF CAPITAL TO SHAREHOLDERS $4,500 $4.4 BILLION 1 STOCK REPURCHASES & DIVIDENDS $1,757 ‒ $1.2 BILLION USED TO REPURCHASE 14.1 MILLION SHARES ‒ $529 MILLION IN CUMULATIVE DIVIDENDS PAID $3,000 ACQU
Slide 30: Non-GAAP Financial Information
NON-GAAP FINANCIAL INFORMATION NASDAQ: FCFS THE COMPANY USES CERTAIN FINANCIAL CALCULATIONS SUCH AS ADJUSTED CONJUNCTION WITH, AND ARE NOT A SUBSTITUTE FOR, THE COMPANY’S THE COMPANY’S REPORTING CURRENCY IS THE U.S. DOLLAR, HOWEVER, NET INCOME, ADJUSTED DILUTED EARNINGS PER SHARE, EBITDA, ADJUSTED G
Slide 31: Reconciliations of Non-GAAP Financial Measures to GAAP Financial Measures
RECONCILIATIONS OF NON-GAAP FINANCIAL MEASURES TO GAAP FINANCIAL MEASURES NASDAQ: FCFS $ IN THOUSANDS , EXCEPT PER SHARE AMOUNTS P ER S HARE Y/E Y/E Y/E Y/E TTM Y/E Y/E Y/E Y/E YTD Q2 Y/E Y/E Y/E Y/E TTM 2022 2023 2024 2025 Q2 2026 2022 2023 2024 2025 2026 2022 2023 2024 2025 Q2 2026 N ET I NCOME AN
Slide 32: Connect With Us
NASDAQ: FCFS CONNECT WITH US: INVESTOR RELATIONS GAR JACKSON (GLOBAL IR GROUP) — I NVESTORRELATIONS@ FIRSTCASH.COM — G AR@ GLOBALIRGROUP.COM — I NVESTORS.FIRSTCASH.COM — 817-886-6998 — 817-258-2650 32
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