Welcome to our dedicated page for FirstCash Holdings SEC filings (Ticker: FCFS), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
FirstCash Holdings, Inc. filings document an operating company built around pawn-store segments in the U.S., Latin America and the U.K., together with a U.S. retail point-of-sale payment solutions segment operated through American First Finance. The record includes 8-K reports for operating results, dividends, investor presentations, material agreements and capital-structure actions.
Recent filings also describe unsecured senior notes issued by FirstCash, Inc. and guaranteed by FirstCash and certain domestic subsidiaries, alongside credit-facility references and existing senior unsecured notes. Proxy materials cover director elections, auditor ratification, executive compensation votes, governance proposals and shareholder voting procedures, while risk disclosures address the company's consumer-finance and international pawn operations.
FirstCash Holdings, Inc. furnished an updated investor presentation outlining recent performance, capital allocation and expansion plans. For the trailing twelve months ended June 30, 2026, revenue was $4.1 billion, with GAAP net income of $388 million, adjusted net income of $447 million and adjusted EBITDA of $802 million. Adjusted free cash flow was $309 million.
The presentation emphasizes pawn operations as the primary earnings driver, contributing about 90% of 2026 forecast segment results across more than 3,300 locations. It details a planned acquisition of U.K. pawnbroker Ramsdens for approximately $308 million, alongside the H&T acquisition, and highlights shareholder returns including $250 million of 2026 share repurchases and an annualized dividend of $1.68 per share.
FMR LLC, together with Abigail P. Johnson, reports beneficial ownership of common stock of FirstCash Holdings Inc. on an amended Schedule 13G. As of the reported date, FMR LLC is deemed to beneficially own 3,047,494.67 shares of FirstCash common stock, representing 7.0% of the class. FMR LLC has sole dispositive power over these shares and sole voting power over 3,045,491 shares, with no shared voting or dispositive power reported. Abigail P. Johnson is reported with sole dispositive power over the same 3,047,494.67 shares but no sole or shared voting power, reflecting her control position with respect to FMR LLC and its subsidiaries. The filing notes that one or more other persons have rights to receive dividends or sale proceeds from these shares, but no such person has an interest exceeding five percent of the outstanding common stock.
FirstCash Holdings, Inc. reported significantly higher results for the quarter ended June 30, 2026. Total revenue rose to $1.07 billion from $0.83 billion a year earlier, with net income increasing to $93.5 million from $59.8 million and diluted EPS to $2.12 from $1.34, driven mainly by growth in U.S. and Latin America pawn operations and the addition of U.K. pawn.
Total assets were $5.49 billion and stockholders’ equity $2.32 billion as of June 30, 2026. Operating cash flow for the first six months was $330.4 million, and cash stood at $172.3 million. Long-term debt totaled $2.35 billion, including new $750 million 6.125% senior notes due 2034, while revolving credit facility borrowings declined to $69 million. The company agreed to acquire Ramsdens Holdings plc for about £231.7 million ($307.5 million), targeted to close by year-end 2026, and has gold forward sales commitments for 43,500 ounces at $3,920 per ounce through September 2027.
FirstCash Holdings reported record second quarter 2026 results, with consolidated revenue of $1.1 billion and GAAP diluted EPS of $2.12, up 58% year over year. Adjusted diluted EPS was $2.50, while adjusted EBITDA rose 39% to $201 million. Year-to-date revenue reached $2.1 billion and GAAP diluted EPS was $4.56.
For the trailing twelve months, FirstCash generated $4.1 billion in revenue, GAAP net income of $388 million, adjusted net income of $447 million, adjusted EBITDA of $802 million, operating cash flows of $673 million and adjusted free cash flow of $309 million. The board declared a quarterly cash dividend of $0.42 per share and authorized a new $150 million share repurchase plan after completing the prior $150 million program. The company completed a $750 million bond offering, continues to expand its pawn store base to 3,343 locations, and agreed revised terms to acquire Ramsdens Holdings, valuing the deal at about £232 million, with closing expected by the end of 2026 subject to approvals.
FirstCash Holdings, Inc. announced a leadership transition in which Rick Wessel, currently Chief Executive Officer and Vice Chairman, will become Executive Chairman of the Board and cease serving as CEO effective January 1, 2027, referred to as the Transition Date. Wessel is expected to continue as Executive Chairman for at least three years, subject to re-election at annual stockholder meetings.
The Board has appointed Brent Stuart, age 56 and currently President and Chief Operating Officer, to succeed Wessel as CEO on the Transition Date while retaining direct responsibility for day-to-day operations. Stuart has served as President and COO since September 2016 following the merger with Cash America, where he held senior leadership roles since 2008. Effective July 22, 2026, Stuart was also elected to the Board and will stand for re-election at the 2027 Annual Meeting; he will not receive separate Board compensation and is not expected to serve on Board committees. On the Transition Date, current Chairman Dan Feehan will retire as Chairman but remain a director. Compensation terms for Wessel as Executive Chairman and Stuart as CEO are not yet determined and will be disclosed in an amendment once set.
FirstCash Holdings, Inc., through its indirect subsidiary Chess Bidco Limited, has agreed a revised recommended cash offer to acquire Ramsdens Holdings PLC. Ramsdens shareholders would now receive 684 pence in cash per share, comprising 675 pence from Bidco plus a 9 pence permitted dividend due October 9, 2026. This implies aggregate consideration of approximately 229 million sterling pounds, an increase of about 26 million pounds over the initial offer announced on June 23, 2026.
The acquisition is intended to proceed via a scheme of arrangement under Part 26 of the UK Companies Act 2006. Completion depends on several conditions, including approval of the scheme by a majority in number of Ramsdens shareholders representing at least 75% in value of shares voted, sanction by the High Court of Justice in England and Wales, and regulatory clearances from the UK Financial Conduct Authority and Competition and Markets Authority. The scheme must become effective before 11:59 p.m. (London time) on December 31, 2026, and, subject to satisfaction or waiver of the conditions, completion is expected in the second half of 2026. The company outlines risks that the transaction may be delayed, conditioned or not completed, and that integration, cost savings and financing outcomes may differ from current expectations.
FirstCash Holdings plans to acquire U.K. pawnbroker Ramsdens Holdings in an all-cash deal valuing Ramsdens’ equity at approximately £206 million ($273 million), paying 600 pence per share plus up to a 9 pence dividend.
The acquisition, to be effected mainly via a U.K. court-approved scheme of arrangement, will add 174 pawn locations across England, Scotland and Wales to FirstCash’s more than 3,300-store network. Ramsdens generated trailing twelve‑month revenue of $200 million, net income of $26 million and adjusted EBITDA of $40 million. FirstCash expects the deal to be accretive to EBITDA and EPS, funded primarily through its existing U.S. revolving credit facility, supported by a £218 million bridge term loan commitment. Closing is targeted for the second half of 2026, subject to Ramsdens shareholder approval, U.K. court sanction and regulatory clearances.
FirstCash Holdings, Inc. has completed a legal reincorporation from Delaware to Texas by conversion, effective June 18, 2026. The company now operates as a Texas corporation governed by a new Texas charter and amended and restated Texas bylaws approved by its board.
Each outstanding share of Delaware common stock automatically converted into one share of Texas common stock with the same par value, and trading continues on the Nasdaq Stock Market under the symbol FCFS without interruption. The reincorporation did not change the company’s headquarters, operations, management, assets, liabilities, or material contracts, and existing employee and incentive plans remain in place on the same terms, now tied to Texas corporation equity.
FirstCash Holdings, Inc. reported the results of its Annual Meeting of Stockholders held on June 9, 2026. Of 43,836,687 common shares entitled to vote, 41,687,943 were represented in person or by proxy, a turnout of 95.09%.
Stockholders elected Daniel E. Berce, Mikel D. Faulkner and Randel G. Owen as directors for three-year terms and ratified the selection of RSM LLP as the independent registered public accounting firm for the year ending December 31, 2026. They also approved, on an advisory basis, compensation for the named executive officers.
In a notable governance change, stockholders approved reincorporation of the Company from Delaware to the State of Texas by conversion, with 23,600,784 votes for, 16,811,631 against and 45,637 abstentions, plus 1,229,891 broker non-votes.
FirstCash Holdings, Inc. senior vice president of Latin American Operations Raul Ramos reported an insider sale of common stock. On June 5, 2026, he completed an open-market sale of 6,835 shares at $225.23 per share.
Following the transaction, Ramos directly owned 20,400 shares of FirstCash common stock. He also reported indirect ownership of 3,448 shares held through a 401(k) Plan, shown as a separate holding entry.