FirstCash (FCFS) director Paula Garrett awarded 833 RSUs, now holds 8,064 shares

Rhea-AI Filing Summary

FirstCash Holdings director Paula K. Garrett reported an equity award of 833 restricted stock units (RSUs) of common stock on January 28, 2026. The award was recorded at a price of $0 per share and increased her directly held beneficial ownership to 8,064 common shares.

The RSUs are scheduled to vest on December 31, 2026 under the RSU award agreement, or on a pro rata basis if her board service ends other than for cause, based on whole months of service from the grant date. Vesting and payment will be accelerated if there is a change in control of the company and the units are not assumed or equitably converted by the surviving entity.

Insider Trade Summary

1 transaction reported

Mixed 1 txn

Insider Garrett Paula K

Role Director

Type	Security	Shares	Price	Value
Grant/Award	Common Stock	833	$0.00	--

Holdings After Transaction: Common Stock — 8,064 shares (Direct)

Footnotes (1)

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Form 4 Insider Transactions: What Each Field Means →

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

Garrett Paula K

(Last) (First) (Middle)

1600 WEST 7TH STREET

(Street)

FORT WORTH TX 76102

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
FirstCash Holdings, Inc. [ FCFS ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

X	Director		10% Owner
	Officer (give title below)		Other (specify below)

3. Date of Earliest Transaction (Month/Day/Year)
01/28/2026

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock	01/28/2026		A		833(1)	A	$0	8,064	D

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

1. Reflects a grant of restricted stock units ("RSUs") that shall vest on December 31, 2026 pursuant to the terms of the RSU award agreement or on a pro rata portion upon the termination of service other than for cause, with such pro rata portion determined based on the number of whole months that elapsed from the Grant Date to the termination of service; the vesting and payment of these RSUs will be accelerated if there is a change-in-control of the Company and the Units are not assumed by the surviving entity or otherwise equitably converted or substituted in connection with the Change in Control.

Remarks:

	/s/ Paula K. Garrett	01/30/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.

FAQ

What insider transaction did FirstCash (FCFS) report for Paula K. Garrett?

FirstCash reported that director Paula K. Garrett received an award of 833 restricted stock units (RSUs) of common stock on January 28, 2026. This equity grant was recorded at a price of $0 per share as part of her director compensation.

How many FirstCash (FCFS) shares does Paula K. Garrett beneficially own after this Form 4?

After the reported RSU grant, Paula K. Garrett beneficially owns 8,064 shares of FirstCash common stock in direct ownership. This total includes the additional 833 RSUs reported as acquired in the January 28, 2026 transaction.

When do Paula K. Garrett’s new FirstCash (FCFS) RSUs vest?

The 833 RSUs granted to Paula K. Garrett are scheduled to vest on December 31, 2026. If her service as a director ends other than for cause, a pro rata portion vests based on the number of whole months served from the grant date.

How does a change in control affect Paula K. Garrett’s FirstCash (FCFS) RSUs?

If there is a change in control of FirstCash and the RSUs are not assumed or equitably converted by the surviving entity, the vesting and payment of Paula K. Garrett’s RSUs will be accelerated, giving her access to the award earlier than originally scheduled.

Is Paula K. Garrett’s FirstCash (FCFS) RSU grant a direct or indirect holding?

The Form 4 shows Paula K. Garrett’s holdings as direct ownership (D) of FirstCash common stock. After the grant of 833 RSUs, her directly held beneficial ownership totals 8,064 shares of the company’s common stock.

What does the transaction code on Paula K. Garrett’s FirstCash (FCFS) Form 4 mean?

The Form 4 lists transaction code “A”, which indicates an acquisition of securities. In this case, it reflects a grant of 833 restricted stock units of FirstCash common stock awarded to director Paula K. Garrett on January 28, 2026.