FirstCash (NASDAQ: FCFS) boosts 2025 earnings and expands with major U.K. pawn deal

Rhea-AI Filing Summary

FirstCash Holdings furnished an updated investor presentation highlighting strong 2025 results and recent expansion. Trailing twelve‑month revenue reached $3.7 billion, GAAP net income was $330 million and adjusted net income $390 million, with adjusted EBITDA of $698 million and adjusted free cash flow of $307 million as of December 31, 2025.

The business remains largely pawn-driven, with the pawn segment contributing about 90% of segment results and more than 3,300 pawn locations across the U.S., Latin America and the U.K. GAAP net income and EPS each increased about 25%+ year over year, while adjusted EPS rose to $8.76.

The presentation details the H&T Group acquisition, adding 286 U.K. pawn stores. H&T shareholders received 650 pence per share in cash, for equity value of $392 million, and FirstCash assumed about $86 million of net debt. In Q4 2025, H&T generated $96 million of revenue and $35 million of segment pre‑tax income, a 36% margin, with pawn receivables of $214 million, up 25% year over year on a local‑currency basis.

Management also emphasizes the AFF retail point‑of‑sale payment solutions business, which had 2025 net revenue of $267 million and about 16,400 active merchant locations, and highlights capital returns since 2016, including over 13 million shares repurchased for $1.11 billion and cumulative dividends of $492 million.

Positive

• Strong 2025 financial performance: Trailing twelve‑month GAAP net income of $330 million, adjusted net income of $390 million and adjusted EBITDA of $698 million, with GAAP and adjusted EPS both rising more than 20% year over year, indicate robust earnings and cash generation.
• Accretive international expansion: The H&T acquisition adds 286 U.K. pawn stores with Q4 2025 revenue of $96 million, a 36% pre‑tax margin and pawn receivables up 25% year over year, enhancing scale and geographic diversification.

Negative

• None.

Insights

Equity analyst

Presentation shows double‑digit 2025 growth, expanded pawn footprint and sizable capital returns.

The materials underscore that pawn operations remain the core earnings engine, contributing roughly 90% of segment results. Trailing twelve‑month revenue of $3.7 billion, GAAP net income of $330 million and adjusted net income of $390 million all reflect solid scale and profitability.

Year‑over‑year, GAAP net income and EPS each grew around the mid‑20s percent, while adjusted EPS reached $8.76 and adjusted EBITDA rose to $698 million. These metrics, combined with adjusted free cash flow of $307 million, suggest the business is generating significant cash to fund growth and shareholder returns.

The H&T acquisition is highlighted as a major move into the U.K., with $392 million of equity value and about $86 million of net debt assumed. Q4 2025 U.K. segment revenue of $96 million and pre‑tax margin of 36% indicate an attractive pawn asset base, though longer‑term performance will be clearer in future periods. The AFF point‑of‑sale segment and cumulative $1.11 billion in buybacks plus $492 million in dividends since 2016 round out a story of diversified growth and sustained capital deployment.

0000840489false00008404892026-03-032026-03-03

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

FORM 8-K

Current Report

Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934

Date of Report (Date of Earliest Event Reported): March 3, 2026

FIRSTCASH HOLDINGS, INC.

(Exact name of registrant as specified in its charter)

Delaware			001-10960			87-3920732
(State or other jurisdiction of incorporation)			(Commission File Number)			(IRS Employer Identification No.)

1600 West 7th Street, Fort Worth, Texas 76102

(Address of principal executive offices, including zip code)

(817) 335-1100

(Registrant’s telephone number, including area code)

Not Applicable

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐			Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
☐			Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
☐			Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
☐			Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class			Trading Symbol(s)			Name of each exchange on which registered
Common Stock, par value $.01 per share			FCFS			The Nasdaq Stock Market

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company    ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Securities Exchange Act of 1934.    ☐

Item 7.01 Regulation FD Disclosure.

FirstCash Holdings, Inc. (the “Company”) has made available on its corporate website (investors.firstcash.com) its most recent investor presentation. The presentation is also furnished as Exhibit 99.1 to this Current Report on Form 8-K and is incorporated in Item 7.01 of this Current Report by this reference.

The information provided in this Item 7.01, including Exhibit 99.1 attached hereto, is being “furnished” and shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liabilities of that section, nor shall such information be deemed incorporated by reference in any filing under the Securities Act of 1933, as amended, except as shall be expressly set forth by the specific reference in such filing.

Item 9.01 Financial Statements and Exhibits.

			(d) Exhibits:
						99.1			FirstCash Holdings, Inc. Investor Presentation
						104			Cover Page Interactive Data File (embedded within the Inline XBRL document contained in Exhibit 101)

2

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

Dated: March 3, 2026			FIRSTCASH HOLDINGS, INC.
			(Registrant)
			/s/ R. DOUGLAS ORR
			R. Douglas Orr
			Executive Vice President and Chief Financial Officer
			(As Principal Financial Officer)

3

INVESTOR PRESENTATION — MARCH 2026 F IRSTCASH HOLDINGS , INC . 1 NASDAQ: FCFS EXHIBIT 99.1

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 “COMPANY”). FORWARD-LOOKING STATEMENTS, AS THAT TERM IS DEFINED IN THE PRIVATE SECURITIES LITIGATION REFORM ACT OF 1995, CAN BE IDENTIFIED BY THE USE OF FORWARD-LOOKING TERMINOLOGY SUCH AS “BELIEVES,” “PROJECTS,” “EXPECTS,” “MAY,” “ESTIMATES,” “SHOULD,” “PLANS,” “TARGETS,” “INTENDS,” “COULD,” “WOULD,” “ANTICIPATES,” “POTENTIAL,” “CONFIDENT,” “OPTIMISTIC” OR THE NEGATIVE THEREOF, OR OTHER VARIATIONS THEREON, OR COMPARABLE TERMINOLOGY, OR BY DISCUSSIONS OF STRATEGY, OBJECTIVES, ESTIMATES, GUIDANCE, EXPECTATIONS, OUTLOOK AND FUTURE PLANS. FORWARD-LOOKING STATEMENTS CAN ALSO BE IDENTIFIED BY THE FACT THESE STATEMENTS DO NOT RELATE STRICTLY TO HISTORICAL OR CURRENT MATTERS. RATHER, FORWARD-LOOKING STATEMENTS RELATE TO ANTICIPATED OR EXPECTED EVENTS, ACTIVITIES, TRENDS OR RESULTS. BECAUSE FORWARD-LOOKING STATEMENTS RELATE TO MATTERS THAT HAVE NOT YET OCCURRED, THESE STATEMENTS ARE INHERENTLY SUBJECT TO RISKS AND UNCERTAINTIES. WHILE THE COMPANY BELIEVES THE EXPECTATIONS REFLECTED IN FORWARD- LOOKING STATEMENTS ARE REASONABLE, THERE CAN BE NO ASSURANCES SUCH EXPECTATIONS WILL PROVE TO BE ACCURATE. SECURITY HOLDERS ARE CAUTIONED THAT SUCH FORWARD-LOOKING STATEMENTS INVOLVE RISKS AND UNCERTAINTIES. CERTAIN FACTORS MAY CAUSE RESULTS TO DIFFER MATERIALLY FROM THOSE ANTICIPATED BY THE FORWARD-LOOKING STATEMENTS MADE IN THIS PRESENTATION. SUCH FACTORS AND RISKS MAY INCLUDE, WITHOUT LIMITATION, RISKS RELATED TO THE EXTENSIVE REGULATORY ENVIRONMENT IN WHICH THE COMPANY OPERATES, INCLUDING UNCERTAINTY INVOLVING THE PRESENT REGULATORY ENVIRONMENT IN THE JURISDICTIONS IN WHICH THE COMPANY OPERATES; RISKS ASSOCIATED WITH THE LEGAL AND REGULATORY PROCEEDINGS THAT THE COMPANY IS A PARTY TO OR MAY BECOME A PARTY TO IN THE FUTURE; RISKS RELATED TO THE COMPANY’S ACQUISITIONS, INCLUDING THE FAILURE OF THE COMPANY’S ACQUISITIONS TO DELIVER THE ESTIMATED VALUE AND BENEFITS EXPECTED BY THE COMPANY AND THE ABILITY OF THE COMPANY TO CONTINUE TO IDENTIFY AND CONSUMMATE ACQUISITIONS ON FAVORABLE TERMS, IF AT ALL; RISKS THAT THE COMPANY MAY NOT REALIZE THE ANTICIPATED BENEFITS OF THE H&T GROUP PLC (“H&T”) ACQUISITION (SUCH ACQUISITION, THE “H&T ACQUISITION”) AND RISKS RELATED TO OPERATING IN A NEW JURISDICTION; POTENTIAL CHANGES IN CONSUMER BEHAVIOR AND SHOPPING PATTERNS WHICH COULD IMPACT DEMAND FOR THE COMPANY’S PAWN LOAN, RETAIL, LEASE-TO-OWN (“LTO”) AND RETAIL FINANCE PRODUCTS; LABOR SHORTAGES AND INCREASED LABOR COSTS; A DETERIORATION IN THE ECONOMIC CONDITIONS IN THE UNITED STATES, LATIN AMERICA AND THE UNITED KINGDOM, INCLUDING AS A RESULT OF INFLATION, ELEVATED INTEREST RATES AND TRADE POLICY, WHICH POTENTIALLY COULD HAVE AN IMPACT ON DISCRETIONARY CONSUMER SPENDING AND DEMAND FOR THE COMPANY’S PRODUCTS; CURRENCY FLUCTUATIONS, PRIMARILY INVOLVING THE MEXICAN PESO AND BRITISH POUND STERLING; COMPETITION THE COMPANY FACES FROM OTHER RETAILERS AND PROVIDERS OF RETAIL PAYMENT SOLUTIONS; THE ABILITY OF THE COMPANY TO SUCCESSFULLY EXECUTE ON ITS BUSINESS STRATEGIES; RISKS RELATED TO THE COMPANY’S ABILITY TO PREVENT CYBER ATTACKS, OTHER CYBERSECURITY INCIDENTS, SECURITY BREACHES OR OTHER DISRUPTIONS TO ITS INFORMATION TECHNOLOGY SYSTEMS; RISKS RELATED TO THE COMPANY’S ABILITY TO DEVELOP, OPERATE AND ADAPT ITS INFORMATION TECHNOLOGY INFRASTRUCTURE SUITABLE FOR THE NATURE OF ITS BUSINESS AND TO SUCCESSFULLY TRANSITION ACQUIRED BUSINESSES TO ITS INFORMATION TECHNOLOGY PLATFORM; CONTRACTION IN SALES ACTIVITY OR STORE CLOSURES AT MERCHANT PARTNERS OF THE COMPANY’S RETAIL POINT- OF-SALE (“POS”) PAYMENT SOLUTIONS BUSINESS; THE ABILITY OF THE COMPANY’S RETAIL POS PAYMENT SOLUTIONS BUSINESS TO CONTINUE TO GROW ITS BASE OF MERCHANT PARTNERS; AND OTHER RISKS DISCUSSED AND DESCRIBED IN THE COMPANY’S MOST RECENT ANNUAL REPORT ON FORM 10-K FILED WITH THE SECURITIES AND EXCHANGE COMMISSION (THE “SEC”), INCLUDING THE RISKS DESCRIBED IN PART I, ITEM IA, “RISK FACTORS” HEREOF, AND OTHER REPORTS FILED WITH THE SEC. MANY OF THESE RISKS AND UNCERTAINTIES ARE BEYOND THE ABILITY OF THE COMPANY TO CONTROL, NOR CAN THE COMPANY PREDICT, IN MANY CASES, ALL OF THE RISKS AND UNCERTAINTIES THAT COULD CAUSE ITS ACTUAL RESULTS TO DIFFER MATERIALLY FROM THOSE INDICATED BY THE FORWARD-LOOKING STATEMENTS. THE FORWARD-LOOKING STATEMENTS CONTAINED IN THIS PRESENTATION SPEAK ONLY AS OF THE DATE OF THIS ANNUAL REPORT, AND THE COMPANY EXPRESSLY DISCLAIMS ANY OBLIGATION OR UNDERTAKING TO REPORT ANY UPDATES OR REVISIONS TO ANY SUCH STATEMENT TO REFLECT ANY CHANGE IN THE COMPANY’S EXPECTATIONS OR ANY CHANGE IN EVENTS, CONDITIONS OR CIRCUMSTANCES ON WHICH ANY SUCH STATEMENT IS BASED, EXCEPT AS REQUIRED BY LAW.

NASDAQ: FCFS 3 F IRSTCASH HOLDINGS , INC . ‒ REVENUE — $3.7 BILLION ‒ GAAP NET INCOME — $330 MILLION ‒ ADJUSTED NET INCOME — $390 MILLION ‒ ADJUSTED EBITDA — $698 MILLION ‒ ADJUSTED FREE CASH FLOW — $307 MILLION BY THE NUMBERS TRAILING TWELVE MONTHS AS OF DECEMBER 31, 2025 ‒ GAAP NET INCOME — UP 25% TO PY ‒ GAAP EPS — UP 26% TO PY ‒ ADJUSTED EPS — UP 25% TO PY ‒ ADJUSTED EBITDA — UP 27% TO PY Q4 2025 HIGHLIGHTS FIRSTCASH HIGHLIGHTS

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 ( I NCLUDI NG MEXI CO , G UATEM ALA , C OLOM BI A , EL SALVADOR ) , AND THE UNI TED K I NGDOM… PAWN OVERVIEW 4 BRANDS OUR CUSTOMERS KNOW AND RELY ON PROVIDE QUICK AND CONVENIENT RETAIL AND CREDIT SOLUTIONS TO UNBANKED, UNDER-BANKED AND CREDIT-CHALLENGED CUSTOMERS MISSION GROW REVENUES AND INCOME BY OPENING NEW RETAIL PAWN LOCATIONS, ACQUIRING EXISTING PAWN STORES IN STRATEGIC MARKETS AND INCREASING REVENUE AND OPERATING PROFITS IN EXISTING STORES BUSINESS STRATEGY PAWN STORES ARE NEIGHBORHOOD-BASED RETAIL LOCATIONS THAT BUY AND SELL PRE-OWNED CONSUMER PRODUCTS SUCH AS JEWELRY, ELECTRONICS, TOOLS, APPLIANCES, SPORTING GOODS AND MUSICAL INSTRUMENTS, AND MAKE SMALL CONSUMER PAWN LOANS PAWN INDUSTRY 2026 FORECAST: SEGMENT CONTRIBUTION PAWN OPS DRIVE EARNINGS PAWN SEGMENT (U.S., LATAM & U.K.) ~90% AS OF 12/31/2025 RETAIL POS PAYMENT SOLUTIONS

NASDAQ: FCFS 66 123 282 595 906 2,085 2,679 3,027 3,330 1988 1989 – 1996 1997 – 2001 2002 – 2005 2006 - 2010 2011 – 2013 2014 – 2016 2017 – 2019 2020 – Q2 2025 Q4 2025 FIRST ACQUIRED STORE SUITLAND, MD USA FIRST STORE 1988 HALTOM CITY, TX USA 100+ STORES IN MEXICO 500TH LATAM STORE OPENED FIRST STORES IN MEXICO 100TH DE NOVO STORE WORLDWIDE 500TH DE NOVO STORE OPENED 300+ TOTAL STORES IN MEXICO CASH AMERICA MERGER: OVER 800 U.S. STORES 530+ STORE ACQUISITION FIRST STORES IN COLOMBIA EXCEED 3,000 STORES FIRST STORES IN THE U.K. 286 STORE ACQUISITION P RI MARY LONG- TERM BUSI NESS PLAN I S TO CONTI NUE GROWI NG PAWN REVENUES AND I NCOME BY OPENI NG NEW (“DE NOVO”) RETAI L PAWN LOCATI ONS , ACQUI RI NG EXI STI NG PAWN STORES I N STRATEGI C M ARKETS AND I NCREASI NG REVENUE AND O PERATI NG PROFI TS I N EXI STI NG STORES… FIRSTCASH PAWN HISTORY 5 5 SINCE 2017 — 1,697 PAWN STORES HAVE BEEN OPENED OR ACQUIRED AS OF 12/31/2025

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 RANGES FROM $100-300 IN THE U.S. AND LATAM ‒ U.K. LOANS ARE SLIGHTLY LARGER WITH A TERM OF SIX MONTHS PAWN LOANS HAVE LITTLE TO NO CREDIT RISK ‒ LOANS ARE FULLY COLLATERALIZED WITH PERSONAL PROPERTY HELD IN SECURED STORAGE AT THE STORE ‒ CONSERVATIVE LOAN-TO-VALUE RATIOS – TYPICALLY AROUND 60% ‒ RAPID LIQUIDATION OF FORFEITED COLLATERAL THROUGH RETAIL OPERATIONS TYPICALLY WITH SALES MARGINS OF 35-45% TYPICAL RETAIL MARGIN: 35% - 45% AVERAGE MONTHLY FEE OF $32 - $37 IN THE U.S. AND $13 - $16 IN LATAM CUSTOMER DOES NOT REPAY LOAN OR FEE COLLATERAL FORFEITS CUSTOMER REPAYS LOAN & PAWN SERVICE FEE COLLATERAL RETURNED TO CUSTOMER ~25% - 30% ~70% - 75% MAKE DECISION TO SELL OR TAKE A PAWN LOAN ~25% ~75% SELLS ASSET TO COMPANY PAWN LOAN (COLLATERALIZED WITH ASSET) RETAIL INVENTORY RETAIL SALES PAWN FEES CUSTOMER NEEDING CASH ENTERS STORE WITH PERSONAL ASSET PAWN TRANSACTION CYCLE TOTAL TRANSACTION TIME GENERALLY LESS THAN 15 MINUTES

NASDAQ: FCFS 7 PROPRIETARY INTELLIGENCE: DRIVING PREDICTABLE RETURNS AT SCALE STRATEGIC VALUE: OUR PROPRIETARY DATA ECOSYSTEM TRANSFORMS 14M ANNUAL RETAIL TRANSACTIONS INTO PREDICTABLE RETAIL MARGINS PAWN LOANS ARE CUSTOMER FRIENDLY ‒ OVER 3,300 LOCATIONS AND 14M ANNUAL RETAIL TRANSACTIONS ‒ OPTIMIZED RETURNS FROM PREDICTABLE CUSTOMER PERFORMANCE PROPRIETARY INTELLIGENCE ‒ REAL-TIME INVENTORY AND LENDING INTELLIGENCE ‒ ALGORITHMIC VALUATION AND PRICING STRATEGY ‒ SCALABILITY OF OUR PROPRIETARY DATA ECOSYSTEM

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 TIGHTENING BY UNSECURED LENDERS DRIVES INCREASED DEMAND FOR PAWN LOANS DURING THE FINANCIAL CRISIS: ‒ STORES IN THE U.S. SAW A 50% INCREASE IN PAWN RECEIVABLES FROM 2007 TO 2012; LATAM STORES SAW GROWTH OF 31% OVER THE SAME PERIOD ‒ RETAIL GROSS PROFIT IN THE U.S. INCREASED 25% FROM 2007 TO 2012; LATAM STORES INCREASED 59% OVER THE SAME PERIOD CURRENT TRAILING TWELVE-MONTH GROSS PROFIT PERFORMANCE IS NOW ABOVE RESULTS DURING THE GREAT FINANCIAL CRISIS $569 $627 $670 $733 $796 $843 $830 $795 $756 $729 $756 $790 $815 $742 $702 $823 $903 $991 $1,084 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 DOMESTIC LEGACY 1 $ IN THOUSANDS — AVG TTM PER STORE FINANCIAL CRISIS COVID $3.4 $4.0 $4.3 $4.8 $4.9 $5.2 $5.3 $5.2 $5.2 $5.4 $6.0 $6.0 $6.1 $5.1 $5.4 $5.8 $6.0 $6.2 $6.8 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 LATAM LEGACY 1 PESO $ IN MILLIONS — AVG TTM PER STORE FINANCIAL CRISIS COVID

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 CARBON EMISSIONS WITH NO PACKAGING OR HAZARDOUS WASTE ‒ LOCAL SOURCING OF PRE-OWNED GOODS ELIMINATES CARBON FOOTPRINT OF MANUFACTURING FACILITIES, DISTRIBUTION CENTERS AND TRANSPORTATION SERVICES SAFE ENVIRONMENT ‒ BUY AND RESELL POPULAR CONSUMER PRODUCTS IN A SAFE AND SECURE ENVIRONMENT FOR EMPLOYEES AND CUSTOMERS EMPLOYEE EMPOWERMENT ‒ EMPLOYEE-TRAINING PROGRAMS THAT PROMOTE CUSTOMER SERVICE AND PROFESSIONALISM ‒ SPECIALIZED SKILLS TRAINING PROGRAMS IN LENDING PRACTICES, MERCHANDISE VALUATION AND REGULATORY COMPLIANCE ‒ PROFIT SHARING PROGRAMS WHICH PAY ON AVERAGE 4-5% OF GROSS PROFIT DIRECTLY TO EMPLOYEES CUSTOMER AND EMPLOYEE PROTECTIONS – COMMITTED TO HEALTH, SAFETY AND WELLNESS THROUGH EMPLOYEE BENEFIT PROGRAMS AND ROBUST PHYSICAL SECURITY INFRASTRUCTURE – CONSUMER PROTECTION PROGRAMS FOCUSED ON PRIVACY, REGULATORY COMPLIANCE AND DATA SECURITY DIVERSE WORKPLACE 57% 43% ALL EMPLOYEES MANAGEMENT GLOBAL GENDER 57% 43% 66% 34% 71% 29% ALL EMPLOYEES MANAGEMENT U.S. RACE & ETHNICITY SUSTAINABILITY IS CORE TO FIRSTCASH AND A COMMITMENT TO SOCIAL RESPONSIBILITY SUSTAINABILITY SOCIAL RESPONSIBILITY 9 WOMEN MEN DIVERSE NON-DIVERSE AS OF 12/31/2025 9

NASDAQ: FCFS U.S. PAWN SEGMENT 10 OVER 1,200 FULL-SERVICE U.S. LOCATIONS 29 STATES AND THE DISTRICT OF COLUMBIA MARKET PRESENCE Q4 2025: ACQUIRED 17 LOCATIONS ACROSS 5 STATES FULL YEAR 2025: — ACQUIRED 23 LOCATIONS — OPENED 2 DE NOVO’S MARKET GROWTH AS OF 12/31/2025

NASDAQ: FCFS 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 49 490 6 1 5 22 7 19 39 29 20 23 68 56 4622 86 49 23 13 27 MD 28 DC 2 FORT WORTH, TX FIRSTCASH HEADQUARTERS 2 MS 5 3 3 1 OR ND SD IA FIRSTCASH TARGET MARKETS: ‒ GROWING POPULATION WITH FAVORABLE DEMOGRAPHICS ‒ PREDICTABLE ENVIRONMENTS WITH STABLE REGULATIONS ‒ HIGH EXPANSION POTENTIAL WITH ACTIVE PIPELINE AS OF 12/31/2025 H I GHLY F R A GM EN TED : 12,000 TO 14,000 U.S. PAWNSHOPS ; DOM I NATED BY "M O M- AND- POP" OPERATORS E S S ENTI AL S E RVICE : SERVES AS A CRI TI CAL RESOURCE FOR UNBANKED AND UNDER- BANKED CO NSUM ERS LACKI NG TRADI TI ONAL CREDI T ACCESS U.S PAWN MARKET OVERVIEW CUMULATIVE U.S. STORE ADDITIONS: 27 27 22 47 30 96 29 25 3 30 57 79 126 156 252 281 306 2017 2018 2019 2020 2021 2022 2023 2024 2025

NASDAQ: FCFS F IRSTCASH HOLDINGS , INC . $1,569 $1,753 $397 $453 2024 2025 2024 2025 Q1 Q2 Q3 Q4 +12% +14% REVENUE & SEGMENT CONTRIBUTION 14% 11% 10% 12% 13% 13% 13% 12% 27% 24% 23% 24% 2025 Q1 2025 Q2 2025 Q3 2025 Q4 PRIOR-YEAR CURRENT-YEAR SAME-STORE RECEIVABLES: 2-YR GROWTH 57% 59% 59% 58% 42% 42% 43% 43% 25% 26% 26% 27% GROSS PROFIT RETAIL SEGMENT PRE-TAX KEY MARGIN PERFORMANCE $282 $344 $397 $451 $203 $222 $245 $286 72% 64% 62% 64% 0% 25% 50% 75% $0 $200 $400 $600 Q4 2022 Q4 2023 Q4 2024 Q4 2025 PLB INV INV % OF PLB TOTAL PAWN RECEIVABLES AND INVENTORIES 12 PAWN COLLATERAL 73% 8% JEWELRY ELECTRONICS OTHER REVENUE CONTRIBUTION AS OF 12/31/2025 Q4 2025 HIGHLIGHTS — U.S. PAWN SEGMENT $ IN MILLIONS

NASDAQ: FCFS ADDED 32 STORES IN 2025: — 28 IN MEXICO — 3 IN GUATEMALA — 1 IN EL SALVADOR STORES IN 4 COUNTRIES: — MEXICO 1,732 — GUATEMALA 75 — EL SALVADOR 18 — COLOMBIA 12 LATAM PAWN SEGMENT 13 MORE THAN 1,800 LATAM LOCATIONS MARKET PRESENCE MARKET GROWTH AS OF 12/31/2025

NASDAQ: FCFS F IRSTCASH HOLDINGS , INC . $368 $417 $487 $557 $671 $553 $592 $675 $803 $812 $890 $368 $485 $573 $666 $803 $725 $742 $839 $892 $927 $1,059 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TOTAL REVENUE, USD $ CC TOTAL REVENUE, 2015 MXN @ 15.85 HUGE UNTAPPED MARKET: CAPTURING HIGH DEMAND FROM LATIN AMERICA'S MASSIVE UNBANKED POPULATION FUTURE PIPELINE: ACTIVELY IDENTIFYING AND EVALUATING NEW LATIN AMERICAN MARKET ENTRIES SCALABLE FOUNDATION: STRONG CASH FLOWS AND ESTABLISHED INFRASTRUCTURE FUEL LONG-TERM REGIONAL GROWTH PROVEN GROWTH ENGINE: STRATEGIC EXPANSION THROUGH A MIX OF NEW STORE OPENINGS AND TARGETED M&A. MEXICO: 1,732 LOCATION COUNT BY COUNTRY: EL SALVADOR: 18 COLOMBIA: 12GUATEMALA : 75 14 LATIN AMERICA PAWN SEGMENT AS OF 12/31/2025

NASDAQ: FCFS F IRSTCASH HOLDINGS , INC . $812 $929 $150 $184 2024 2025 2024 2025 Q1 Q2 Q3 Q4 REVENUE & SEGMENT CONTRIBUTION 1 7% 8% 6% 12% 14% 13% 18% 23% 21% 21% 24% 35% 2025 Q1 2025 Q2 2025 Q3 2025 Q4 PRIOR-YEAR CURRENT-YEAR SAME-STORE RECEIVABLES: 2-YR GROWTH 1 50% 51% 51% 51% 34% 35% 34% 35% 21% 20% 20% 22% GROSS PROFIT RETAIL SEGMENT PRE-TAX $109 $128 $121 $167 $86 $90 $89 $129 79% 71% 74% 77% -10% 15% 40% 65% 90% $0 $75 $150 $225 Q4 2022 Q4 2023 Q4 2024 Q4 2025 PLB INV INV % OF PLB TOTAL PAWN RECEIVABLES AND INVENTORIES ($ IN USD MILLIONS) Q4 2025 HIGHLIGHTS — LATAM PAWN SEGMENT $ IN CONSTANT CURRENCY 1 MILLIONS, EXCEPT AS OTHERWISE NOTED 15 PAWN COLLATERAL 48% 35% JEWELRY ELECTRONICS OTHER KEY MARGIN PERFORMANCE +14% +22% AS OF 12/31/2025 1 CONSTANT CURRENCY RESULTS ARE NON-GAAP FINANCIAL MEASURES. PLEASE REFERENCE THE PRESS RELEASE DATED 02/25/2026 FOR FURTHER EXPLANATION REVENUE CONTRIBUTION

NASDAQ: FCFS U.K. PAWN SEGMENT 16AS OF 12/31/2025 STORES IN 3 COUNTRIES: — ENGLAND 253 — SCOTLAND 26 — WALES 7 ENTRY INTO EUROPE BY ACQUIRING 286 LOCATIONS MARKET PRESENCE

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 • 286 STORES ARE CONVENIENTLY LOCATED IN MOST MAJOR TOWNS AND CITIES THROUGHOUT ENGLAND, SCOTLAND, AND WALES H&T Q4 2025 HIGHLIGHTS: THE FOURTH QUARTER OF 2025 REPRESENTED THE FIRST FULL QUARTER OF U.K. SEGMENT OPERATING RESULTS SINCE FIRSTCASH’S ACQUISITION OF H&T EFFECTIVE AUGUST 14, 2025. SEASONAL FOURTH QUARTER RESULTS TYPICALLY REPRESENT APPROXIMATELY 30% OF H&T’S FULL-YEAR RESULTS. TOTAL REVENUES OF $96 MILLION, WITH STRONG GROWTH OVER THE PRIOR-YEAR QUARTER (PRE-ACQUISITION) IN BOTH PAWN FEES AND MERCHANDISE SALES. SEGMENT PRE-TAX OPERATING INCOME OF $35 MILLION, RESULTING IN A SEGMENT PRE-TAX OPERATING MARGIN OF 36%. PAWN RECEIVABLES AT DECEMBER 31, 2025, TOTALED $214 MILLION, AN INCREASE OF 25% IN TOTAL AND 24% ON A SAME-STORE BASIS, BOTH ON A LOCAL CURRENCY BASIS, COMPARED TO A YEAR AGO (PRE-ACQUISITION). 17

NASDAQ: FCFS F IRSTCASH HOLDINGS , INC . H&T ACQUISITION — COMPELLING BENEFITS OF THE TRANSACTION 18 ESTABLISHES FIRSTCASH’S MARKET LEADERSHIP IN THE U.K. PROVIDES ADDITIONAL GEOGRAPHIC DIVERSIFICATION UNLOCKS FURTHER GROWTH OPPORTUNITIES IN NEW MARKETS CONTRIBUTES MEANINGFUL PAWN-DRIVEN EPS AND EBITDA ACCRETION ADDS EXPERIENCED U.K. LEADERSHIP AND OPERATIONS TEAM ENHANCES SCALE OF PAWN OPERATIONS AND OPERATING LEVERAGE H&T ACQUISITION TRANSACTION HIGHLIGHTS: ‒ H&T SHAREHOLDERS RECEIVED 650 PENCE PER SHARE IN CASH, WHICH EQUATES TO A TOTAL USD EQUITY VALUE OF $392 MILLION. ADDITIONALLY, FIRSTCASH ASSUMED H&T’S NET DEBT OF APPROXIMATELY $86 MILLION ‒ FULL YEAR 2026 SEGMENT INCOME IS EXPECTED TO BE IN A RANGE OF $115 MILLION TO $125 MILLION ASSUMING THE CURRENT GBP EXCHANGE RATE. FY 2026 PROJECTED NET REVENUE BY PRODUCT 62% 18% 14% 6% PAWN FEES SCRAP JEWELRY SALES RETAIL MERCHANDISE SALES OTHER

NASDAQ: FCFS RETAIL POS PAYMENT SOLUTIONS SEGMENT 19

NASDAQ: FCFS F IRSTCASH HOLDINGS , INC . DOOR COUNT GROWTH & MERCHANT DIVERSIFICATION 20 POS PAYMENT TRANSACTION ORIGINATIONS BY PRODUCT CATEGORY 61% 52% 48% 37% 23% 15% 20% 19% 24% 25% 2% 7% 12% 18% 5% 5% 8% 10% 11% 19% 21% 18% 17% 23% 0% 25% 50% 75% 100% 2021 2022 2023 2024 2025 FURNITURE AUTOMOTIVE ELECTIVE MEDICAL JEWELRY OTHER TOTAL FOURTH QUARTER ORIGINATION VOLUME DECREASED 3% YOY; EXCLUDING ORIGINATIONS FROM FURNITURE RETAILERS, FOURTH QUARTER ORIGINATIONS INCREASED APPROXIMATELY 8% DRIVEN BY CONTRIBUTIONS FROM BOTH NEW DOORS AND EXPANDING NON-FURNITURE MERCHANT RELATIONSHIPS AT DECEMBER 31, 2025, AFF HAD APPROXIMATELY 16,400 ACTIVE RETAIL AND E- COMMERCE MERCHANT PARTNER LOCATIONS, REPRESENTING A 21% INCREASE IN THE NUMBER OF ACTIVE MERCHANT LOCATIONS COMPARED TO A YEAR AGO 9,200 11,600 13,600 16,400 0 6,000 12,000 18,000 Q4 2022 Q4 2023 Q4 2024 Q4 2025 DOOR COUNT AS OF 12/31/2025

NASDAQ: FCFS F IRSTCASH HOLDINGS , INC . 5.3% 5.0% 5.8% 5.7% 5.4% 5.2% 5.8% 5.8% GROSS TRANSACTION VOLUME Q4 2025 HIGHLIGHTS — AFF POS PAYMENT SOLUTIONS HIGHLIGHTS $ IN MILLIONS NET REVENUE $269 $267 2024 2025 Q1 Q2 Q3 Q4 SEGMENT CONTRIBUTION $129 $169 2024 2025 Q1 Q2 Q3 Q4 COMBINED LEASE AND LOAN CHARGE-OFF RATE 21 $1,079 $1,022 2024 2025 TOTAL VOLUME -5% $866 $1,022 2024 2025 EXCL. A.F. + CONNS +18% +31%

NASDAQ: FCFS F IRSTCASH HOLDINGS , INC . 22 CONSOLIDATED FINANCIAL HIGHLIGHTS

NASDAQ: FCFS REVENUE $1,699 $2,729 $3,152 $3,389 $3,661 $919 $1,265 $1,507 $1,630 $1,841 2021 2022 2023 2024 2025 REVENUE NET REVENUE DIVIDENDS $1.17 $1.26 $1.36 $1.46 $1.60 $1.68 2021 2022 2023 2024 2025 2026 ACTUALRUN RATE SHARE REPURCHASES SINCE 2021 $50 $207 $322 $407 $522 688 2,892 4,140 4,861 5,773 0 5 , 0 0 0 1 0 , 0 0 0 1 5 , 0 0 0 $ 0 $ 2 0 0 $ 4 0 0 $ 6 0 0 2021 2022 2023 2024 2025 C U M U L A T IV E C O U N T C U M U L A T IV E D O L L A R S ANNUAL SHARE REPURCHASE $ CUMULATIVE SHARES REPURCHASED COUNT CONSOLIDATED HIGHLIGHTS $ IN MILLIONS, EXCEPT PER SHARE AMOUNTS 1 NON-GAAP FINANCIAL MEASURE. SEE RECONCILIATION OF NON-GAAP FINANCIAL MEASURES ELSEWHERE IN THIS PRESENTATION EPS $3.04 $5.36 $4.80 $5.73 $7.42 $3.94 $5.19 $6.06 $6.70 $8.76 2021 2022 2023 2024 2025 EPS ADJUSTED EPS1 EBITDA $244 $497 $494 $551 $678 $290 $437 $512 $558 $698 2021 2022 2023 2024 2025 EBITDA ADJUSTED EBITDA 1 NET INCOME $125 $253 $219 $259 $330 $161 $246 $277 $303 $390 2021 2022 2023 2024 2025 NET INCOME ADJUSTED NET INCOME 1 23

NASDAQ: FCFS F IRSTCASH HOLDINGS , INC . GROWTH INVESTMENTS & SHAREHOLDER PAYOUTS SINCE 2016 — $ IN MILLIONS 24 $0 $1,400 $2,800 $4,200 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 CUMULATIVE TOTAL $4.2 BILLION 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… STOCK REPURCHASES & DIVIDENDS ‒ OVER 13 MILLION SHARES REPURCHASED FOR $1.11 BILLION ‒ $492 MILLION IN CUMULATIVE DIVIDENDS PAID 1 RETURN OF CAPITAL TO SHAREHOLDERS ACQUISITION INVESTMENTS ‒ 298 PAWN STORES ACQUIRED IN U.S. ‒ 764 PAWN STORES ACQUIRED IN LATIN AMERICA ‒ 286 PAWN STORES ACQUIRED IN U.K. ‒ $487M CASH PORTION OF AFF ACQUISITION CAPITAL EXPENDITURES ‒ 572 DE NOVO STORE OPENINGS ‒ 412 PROPERTIES PURCHASED 2 3 ACQUISITIONS & STORE EXPANSION AS OF 12/31/2025

NASDAQ: FCFS 25 FIRSTCASH 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: STRATEGIC H&T ACQUISITION PROVIDES A PREMIER POSITION FOR IMMEDIATE SCALE AND FOOTPRINT EXPANSION ‒ TECH-ENABLED REVENUE STREAMS: REVENUE UPSIDE FROM SCALING RETAIL POINT-OF-SALE PAYMENT SOLUTIONS RESILIENT PAWN FOCUSED BUSINESS MODEL ‒ ESSENTIAL SERVICE: SERVES THE UNDERSERVED VIA SMALL, SECURED LOANS TO UNBANKED AND UNDER-BANKED CONSUMERS LACKING TRADITIONAL CREDIT ACCESS ‒ SUPERIOR ECONOMICS: DUAL REVENUE STREAMS (LENDING AND RETAIL) DRIVES STRONG MARGINS AND CONSISTENT CASH FLOW ‒ RISK MITIGATION: SECURED COLLATERALIZED LENDING LIMITS CREDIT RISK EXPOSURE ACROSS ECONOMIC CYCLES ROBUST BALANCE SHEET & CASH FLOW ‒ SELF-FUNDED STRATEGIC GROWTH: ORGANICALLY EXPANDING OUR CORE LOAN PORTFOLIO ‒ DISCIPLINED CAPITAL DEPLOYMENT: ASSET GROWTH | STRATEGIC ACQUISITIONS | SHARE BUYBACKS | DIVIDENDS

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 THE COMPANY’S OPERATING PERFORMANCE AND PERIOD-OVER-PERIOD GROWTH. THE COMPANY DERIVES THESE FINANCIAL CALCULATIONS ON THE BASIS OF METHODOLOGIES OTHER THAN GAAP, PRIMARILY BY EXCLUDING FROM A COMPARABLE GAAP MEASURE CERTAIN ITEMS THE COMPANY DOES NOT CONSIDER TO BE REPRESENTATIVE OF ITS ACTUAL OPERATING PERFORMANCE. THESE FINANCIAL CALCULATIONS ARE “NON-GAAP FINANCIAL MEASURES” AS DEFINED UNDER THE SEC RULES. THE COMPANY USES THESE NON-GAAP FINANCIAL MEASURES IN OPERATING ITS BUSINESS BECAUSE MANAGEMENT BELIEVES THEY ARE LESS SUSCEPTIBLE TO VARIANCES IN ACTUAL OPERATING PERFORMANCE THAT CAN RESULT FROM THE EXCLUDED ITEMS, OTHER INFREQUENT CHARGES AND CURRENCY FLUCTUATIONS. THE COMPANY PRESENTS THESE FINANCIAL MEASURES TO INVESTORS BECAUSE MANAGEMENT BELIEVES THEY ARE USEFUL TO INVESTORS IN EVALUATING THE PRIMARY FACTORS THAT DRIVE THE COMPANY’S CORE OPERATING PERFORMANCE AND PROVIDE GREATER TRANSPARENCY INTO THE COMPANY’S RESULTS OF OPERATIONS. HOWEVER, ITEMS THAT ARE EXCLUDED AND OTHER ADJUSTMENTS AND ASSUMPTIONS THAT ARE MADE IN CALCULATING THESE NON-GAAP FINANCIAL MEASURES ARE SIGNIFICANT COMPONENTS IN UNDERSTANDING AND ASSESSING THE COMPANY’S FINANCIAL PERFORMANCE. THESE NON-GAAP FINANCIAL MEASURES SHOULD BE EVALUATED IN CONJUNCTION WITH, AND ARE NOT A SUBSTITUTE FOR, THE COMPANY’S GAAP FINANCIAL MEASURES. FURTHER, BECAUSE THESE NON-GAAP FINANCIAL MEASURES ARE NOT DETERMINED IN ACCORDANCE WITH GAAP, AND ARE THUS SUSCEPTIBLE TO VARYING CALCULATIONS, THE NON-GAAP FINANCIAL MEASURES, AS PRESENTED, MAY NOT BE COMPARABLE TO OTHER SIMILARLY-TITLED MEASURES OF OTHER COMPANIES. THE COMPANY HAS ADJUSTED THE APPLICABLE FINANCIAL CALCULATIONS TO EXCLUDE MERGER AND ACQUISITION EXPENSES AND AMORTIZATION OF ACQUIRED INTANGIBLE ASSETS, THE CFPB LITIGATION SETTLEMENT AND CERTAIN OTHER INCOME AND EXPENSES. THE COMPANY DOES NOT CONSIDER THESE ITEMS TO BE RELATED TO THE ORGANIC OPERATIONS OF THE COMPANY’S BUSINESSES OR ITS CONTINUING OPERATIONS AND ARE GENERALLY NOT RELEVANT TO ASSESSING OR ESTIMATING THE LONG-TERM PERFORMANCE OF THE COMPANY. IN ADDITION, EXCLUDING THESE ITEMS ALLOWS FOR MORE ACCURATE COMPARISONS OF THE FINANCIAL RESULTS TO PRIOR PERIODS. MERGER AND ACQUISITION EXPENSES INCLUDE INCREMENTAL COSTS DIRECTLY ASSOCIATED WITH MERGER AND ACQUISITION ACTIVITIES, INCLUDING PROFESSIONAL FEES, LEGAL EXPENSES, SEVERANCE, RETENTION AND OTHER EMPLOYEE-RELATED COSTS, CONTRACT BREAKAGE COSTS AND COSTS RELATED TO THE CONSOLIDATION OF TECHNOLOGY SYSTEMS AND CORPORATE FACILITIES, AMONG OTHERS. THE COMPANY’S REPORTING CURRENCY IS THE U.S. DOLLAR, HOWEVER, CERTAIN PERFORMANCE METRICS DISCUSSED IN THIS PRESENTATION ARE PRESENTED ON A “CONSTANT CURRENCY” BASIS, WHICH IS CONSIDERED A NON-GAAP FINANCIAL MEASURE. THE COMPANY’S MANAGEMENT USES CONSTANT CURRENCY RESULTS TO EVALUATE OPERATING RESULTS OF BUSINESS OPERATIONS IN LATIN AMERICA AND THE U.K., WHICH ARE TRANSACTED IN LOCAL CURRENCIES IN MEXICO, GUATEMALA, COLOMBIA AND THE U.K. THE COMPANY ALSO HAS OPERATIONS IN EL SALVADOR, WHERE THE REPORTING AND FUNCTIONAL CURRENCY IS THE U.S. DOLLAR. THE COMPANY BELIEVES CONSTANT CURRENCY RESULTS PROVIDE VALUABLE SUPPLEMENTAL INFORMATION REGARDING THE UNDERLYING PERFORMANCE OF ITS BUSINESS OPERATIONS IN LATIN AMERICA AND THE U.K., CONSISTENT WITH HOW THE COMPANY’S MANAGEMENT EVALUATES SUCH PERFORMANCE AND OPERATING RESULTS. CONSTANT CURRENCY RESULTS REPORTED HEREIN ARE CALCULATED BY TRANSLATING CERTAIN BALANCE SHEET AND INCOME STATEMENT ITEMS DENOMINATED IN LOCAL CURRENCIES USING THE EXCHANGE RATE FROM THE PRIOR-YEAR COMPARABLE PERIOD, AS OPPOSED TO THE CURRENT COMPARABLE PERIOD, IN ORDER TO EXCLUDE THE EFFECTS OF FOREIGN CURRENCY RATE FLUCTUATIONS FOR PURPOSES OF EVALUATING PERIOD-OVER-PERIOD COMPARISONS. 26 P LE AS E RE F E RE N CE T H E F O RM 10-K F I LE D O N 02/09/2026 F O R F URT H E R E XP LAN AT I ON NON-GAAP FINANCIAL INFORMATION

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 Y/E Y/E Y/E Y/E Y/E Y/E 2021 2022 2023 2024 2025 2021 2022 2023 2024 2025 NET INCOME AND DILUTED EARNINGS PER SHARE, AS REPORTED $124,909 $253,495 $219,301 $258,815 $330,375 $3.04 $5.36 $4.80 $5.73 $7.42 ADJUSTMENTS, NET OF TAX: MERGER AND ACQUISITION EXPENSES 11,872 2,878 6,089 1,706 12,271 0.29 0.06 0.13 0.04 0.27 PURCHASE ACCOUNTING AND OTHER ADJUSTMENTS 37,278 82,432 54,341 38,289 41,055 0.91 1.74 1.19 0.85 0.92 GAIN ON REVALUATION OF CONTINGENT ACQUISITION CONSIDERATION (13,761) (90,035) — — — (0.33) (1.91) — — — CFPB LITIGATION SETTLEMENT — — — — 9,390 — — — — 0.21 OTHER EXPENSES (INCOME), NET 1,181 (3,033) (2,857) 3,870 (2,949) 0.03 (0.06) (0.06) 0.08 (0.06) ADJUSTED NET INCOME $161,479 $245,737 $276,874 $302,680 $390,142 $3.94 $5.19 $6.06 $6.70 $8.76 Y/E Y/E Y/E Y/E Y/E 2021 2022 2023 2024 2025 NET INCOME $124,909 $253,495 $219,301 $258,815 $330,375 INCOME TAXES 41,593 70,138 73,548 83,961 117,188 DEPRECIATION AND AMORTIZATION 1 45,906 103,832 109,161 104,941 111,806 INTEREST EXPENSE 32,386 70,708 93,243 105,226 121,293 INTEREST INCOME (696) (1,313) (1,469) (1,935) (2,935) EBITDA $244,098 $496,860 $493,784 $551,008 $677,727 ADJUSTMENTS: MERGER AND ACQUISITION EXPENSES 15,449 3,739 7,922 2,228 14,369 PURCHASE ACCOUNTING AND OTHER ADJUSTMENTS 43,362 50,354 13,968 — — GAIN ON REVALUATION OF CONTINGENT ACQUISITION CONSIDERATION (17,871) (109,549) — — — CFPB LITIGATION SETTLEMENT — — — — 11,000 OTHER EXPENSES (INCOME), NET 1,593 (4,060) (3,942) 5,201 (4,707) ADJUSTED EBITDA $289,631 $437,344 $511,732 $558,437 $698,389 1 INCLUDES $53 MILLION, $50 MILLION, $57 MILLION, $57 MILLION AND $2 MILLION OF AMORTIZATION EXPENSE RELATED TO IDENTIFIABLE INTANGIBLE ASSETS FOR THE TWELVE MONTHS ENDED DECEMBER 31, 2025, 2024, 2023, 2022 AND 2021, RESPECTIVELY, WHICH IS INCLUDED IN THE ADD BACK OF DEPRECIATION AND AMORTIZATION TO NET INCOME USED TO CALCULATE EBITDA Y/E Y/E 2024 2025 CASH FLOW FROM OPERATING ACTIVITIES $539,958 $585,942 CASH FLOW FROM INVESTING ACTIVITIES: PAWN LOANS MADE (1,720,158) (2,094,228) PAWN LOANS REPAID 1,003,752 1,197,038 RECOVERY OF PAWN LOAN PRINCIPAL THROUGH SALE OF FORFEITED COLLATERAL 644,407 759,333 INVESTMENTS IN F INANCE RECEIVABLES (425,817) (440,576) PROCEEDS FROM F INANCE RECEIVABLES 286,503 342,272 PURCHASE OF FURNITURE, F IXTURES, EQUIPMENT AND IMPROVEMENTS (68,245) (54,906) FREE CASH FLOW $260,400 $294,875 MERGER AND ACQUISITION EXPENSES PAID, NET OF TAX BENEFIT 1,706 12,271 ADJUSTED FREE CASH FLOW $262,106 $307,146

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

FAQ

How did FirstCash Holdings (FCFS) perform financially in 2025?

FirstCash reported trailing twelve‑month revenue of $3.7 billion and GAAP net income of $330 million for 2025. Adjusted net income reached $390 million, with adjusted EBITDA of $698 million and adjusted free cash flow of $307 million, reflecting strong profitability and cash generation.

What growth did FirstCash Holdings (FCFS) see in earnings and EPS?

GAAP net income and GAAP EPS for FirstCash each increased about 25%–26% compared with the prior year. Adjusted EPS rose to $8.76, up roughly 25%, highlighting meaningful bottom‑line expansion alongside revenue growth and operating leverage in 2025.

How important is the pawn business to FirstCash Holdings (FCFS)?

Pawn operations remain central to FirstCash, contributing about 90% of segment results as of December 31, 2025. The company operates more than 3,300 pawn locations across the U.S., Latin America and the U.K., making it a leading international pawn operator and retail lender.

What are the key details of FirstCash’s acquisition of H&T in the U.K.?

FirstCash acquired H&T, the U.K.’s largest pawnbroker, for 650 pence per share in cash, valuing H&T’s equity at about $392 million and assuming roughly $86 million of net debt. The deal added 286 stores across England, Scotland and Wales to FirstCash’s footprint.

How did H&T perform under FirstCash in Q4 2025?

In Q4 2025, H&T generated $96 million in total revenue and $35 million in segment pre‑tax operating income, a 36% margin. Pawn receivables totaled $214 million at December 31, 2025, up 25% in total and 24% on a same‑store basis in local currency.

What capital returns has FirstCash Holdings (FCFS) provided to shareholders?

Since 2016, FirstCash has repurchased over 13 million shares for about $1.11 billion and paid cumulative dividends of roughly $492 million. The presentation shows a cumulative capital deployment of about $4.2 billion across acquisitions, store expansion and shareholder payouts.

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