Every 8-K that FirstCash Holdings, Inc. (FCFS) has filed with the SEC in the last 24 months is listed below, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 8-K covers material events a company has to report between its quarterly reports, so if you follow FCFS and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full FCFS filings page.
FirstCash Holdings, Inc. (FCFS) entered into a Tenth Amendment to its Amended and Restated Credit Agreement, upsizing its revolving unsecured credit facility from $700 million to $1.055 billion and extending the stated maturity from August 8, 2029 to August 27, 2031.
The amended facility permits borrowings in both U.S. Dollars and Pounds Sterling, including direct Sterling borrowings up to a $500 million USD equivalent, and reduces the unused commitment fee. The permitted consolidated net leverage ratio was increased to 3.5x consolidated EBITDA, and negative covenants were adjusted to provide additional operating flexibility. Borrowings bear interest at SONIA or SOFR, as applicable, plus a 2.50% per annum margin.
FirstCash, which operates more than 3,300 pawn stores across the U.S., Latin America and the U.K., states that the larger, longer-dated facility supports its long-term global growth plans, including the expected Ramsdens pawn acquisition in the U.K. and other acquisition opportunities.
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.
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 furnished an investor presentation highlighting strong trailing twelve‑month results and recent capital actions. As of March 31, 2026, revenue was $3.9 billion, GAAP net income was $354 million, adjusted net income was $416 million, and adjusted EBITDA reached $746 million. GAAP net income, GAAP EPS, adjusted EPS and adjusted EBITDA were all up around 29–30% versus the prior year.
The company operates more than 3,300 pawn locations across the U.S., Latin America and the U.K., with pawn operations contributing about 90% of 2026 forecast segment earnings. On May 1, 2026, it completed a $750 million private offering of senior notes due 2034, carrying a 6.125% coupon, using proceeds to repay existing credit facilities and H&T debt while keeping leverage roughly neutral and extending average debt maturity to six years.
FirstCash also emphasized its sizable real estate portfolio, with about $643 million of U.S. store and headquarters properties at cost, and ongoing shareholder returns through dividends and share repurchases supported by adjusted free cash flow of about $267 million over the trailing year.
FirstCash Holdings, Inc. has closed a private offering of $750,000,000 in 6.125% senior notes due May 1, 2034, issued through its wholly owned subsidiary FirstCash, Inc. The notes are unsecured senior obligations and are guaranteed by the parent company and its domestic subsidiaries that already guarantee its revolving unsecured credit facility and existing senior unsecured notes.
The notes were sold in a Rule 144A/Regulation S private placement and carry interest at 6.125% from May 1, 2026, payable semi-annually on May 1 and November 1, starting November 1, 2026. The indenture allows optional redemptions, including equity-funded redemptions of up to 40% of the notes before May 1, 2029, and standard call options thereafter at specified prices. If certain asset sales or change in control transactions occur, the issuer must offer to repurchase the notes. The indenture also includes restrictive covenants on additional debt, dividends, stock repurchases, investments, liens, asset sales, mergers, and affiliate transactions, along with customary events of default such as missed payments and bankruptcy events.
FirstCash Holdings, Inc. announced that its wholly owned subsidiary, FirstCash, Inc., has upsized and priced a private offering of $750,000,000 in aggregate principal amount of senior notes due 2034.
The notes bear interest at 6.125% per year, payable semi-annually on May 1 and November 1, beginning November 1, 2026. They are unsecured senior obligations of the issuer and will be guaranteed by FirstCash and certain domestic subsidiaries. Closing is expected on May 1, 2026, subject to customary conditions.
FirstCash intends to use the net proceeds to repay existing indebtedness, provide additional liquidity to fund future growth, and for general corporate purposes. The notes are being sold in a private placement to qualified institutional buyers under Rule 144A and to non-U.S. persons under Regulation S.
FirstCash Holdings, Inc. announced that its wholly owned subsidiary, FirstCash, Inc., has commenced a private placement of $600,000,000 in aggregate principal amount of unsecured senior notes due 2034. The notes will be guaranteed by FirstCash and certain domestic subsidiaries that guarantee its existing unsecured debt.
The company intends to use the net proceeds to repay a portion of outstanding borrowings under its credit facilities and to provide additional liquidity to fund future growth, after fees and expenses. The notes will be offered only to qualified institutional buyers under Rule 144A and to non-U.S. persons under Regulation S.
FirstCash Holdings furnished an April 2026 investor presentation outlining strong pawn-led growth. Trailing twelve-month revenue as of March 31, 2026 was $3.9 billion, with GAAP net income of $354 million and adjusted net income of $416 million.
GAAP EPS rose 30% year over year, adjusted EPS also increased 30%, and adjusted EBITDA grew 29%, reaching $746 million. Pawn operations are forecast to contribute about 90% of 2026 segment earnings, supported by more than 3,300 pawn locations across the U.S., Latin America and the U.K.
The company highlights its August 2025 H&T acquisition in the U.K., which generated Q1 2026 revenue of $102 million and segment pre-tax income of $39 million, with expected 2026 segment income of $125–$135 million. Since 2016, FirstCash has deployed $4.3 billion across acquisitions, new stores, real estate, share repurchases and dividends.
FirstCash Holdings, Inc. reported record first-quarter 2026 results, with revenue of $1.05 billion, up 26% from $836.4 million a year earlier. GAAP net income rose to $107.7 million, and diluted earnings per share increased 30% to $2.43.
Adjusted net income was $119.0 million and adjusted diluted EPS reached $2.69. Adjusted EBITDA increased 29% to $210.6 million. Pawn receivables grew to a record $851 million, and total assets reached $5.4 billion. The board declared a quarterly cash dividend of $0.42 per share and increased 2026 revenue guidance for all pawn segments.
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.
FirstCash Holdings, Inc. filed a current report stating that it released its financial results for the three and twelve month periods ended December 31, 2025. The company also announced that its Board of Directors declared a first quarter cash dividend of $0.42 per common share, providing direct cash returns to shareholders.
FirstCash Holdings (FCFS) furnished an investor presentation under Item 7.01 (Regulation FD). The presentation is available at investors.firstcash.com and is furnished as Exhibit 99.1; it is not deemed filed under Section 18 or incorporated by reference unless specifically stated. The 8-K also lists Exhibit 104 for the Inline XBRL cover page. The report date is November 5, 2025.
FirstCash Holdings (FCFS) announced quarterly and year-to-date results for the periods ended September 30, 2025, declared a $0.42 per share fourth-quarter cash dividend, and authorized up to $150 million of share repurchases.
The repurchase authorization permits purchases in the open market, block trades or privately negotiated transactions, including under Rule 10b5-1 and Rule 10b-18. There is no time limit, and the program may be suspended or discontinued at any time. The company noted that execution will depend on factors such as cash balances, credit availability, debt covenants, business conditions, regulatory requirements, stock price, dividend policy, and alternative investment opportunities, including acquisitions.
FirstCash Holdings, Inc. furnished a new investor presentation and made it available on its corporate website. The presentation, which is provided as Exhibit 99.1, is intended to give investors an updated overview of the company and its business. The company states that this material is being furnished under Regulation FD, meaning it is not deemed filed for liability purposes under the Securities Exchange Act and will only be incorporated into other securities filings if specifically referenced.
FirstCash Holdings, Inc. (FCFS) disclosed that it funded its acquisition of H&T by drawing on its existing U.S. revolving credit facility rather than relying on the previously arranged bridge financing. In connection with that funding, the company terminated the Bridge Term Loan Credit Agreement that had been entered into on May 14, 2025 as a backstop for the H&T financing and to satisfy certain U.K. "fund certain" requirements.
The filing notes that the information in this Item 7.01 and Exhibit 99.1 is not being "filed" for purposes of Section 18 of the Exchange Act and will not be incorporated by reference into other Securities Act filings except by express reference. The company also references compliance choices under Section 13(a) of the Exchange Act related to transition periods for accounting standards.
FirstCash Holdings, Inc. furnished an investor presentation under a Regulation FD disclosure. The company made its most recent investor presentation available on its corporate website and attached it as Exhibit 99.1. The material is treated as furnished, not filed, limiting its use for certain securities law liability purposes.