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.
The FirstCash Holdings, Inc. (NASDAQ: FCFS) SEC filings page on Stock Titan provides access to the company’s regulatory disclosures as filed with the U.S. Securities and Exchange Commission. These documents offer detailed information about FirstCash’s international pawn operations in the U.S., Latin America and the U.K., as well as its Retail POS payment solutions segment operated through American First Finance (AFF). Investors can use these filings to understand how the company reports its financial performance, risk factors and significant corporate events.
Core filings such as the annual report on Form 10-K and quarterly reports on Form 10-Q typically include segment breakdowns for U.S. pawn, Latin America pawn, U.K. pawn and AFF, along with discussions of pawn receivables, pawn loan fees, retail merchandise sales, margins, credit provisioning and cash flows. These reports also describe the regulatory and competitive environment, including references to consumer protection laws and the extensive regulatory regimes in the jurisdictions where FirstCash operates.
Current reports on Form 8-K document material events such as quarterly earnings releases, dividend declarations, share repurchase authorizations, amendments to the company’s revolving credit facility and the completion of acquisitions. For example, Form 8-K filings have reported the announcement and closing of the H&T Group plc acquisition, updates on investor presentations, and new or expanded share repurchase programs. Other 8-Ks have furnished earnings press releases and described settlements of legal or regulatory matters, including litigation related to the Military Lending Act.
Investors interested in capital structure and liquidity can review filings that discuss FirstCash’s unsecured bank credit facility, senior notes, leverage ratios and covenant terms. Disclosures about dividends and share repurchases appear in earnings-related filings and Board authorization announcements. While insider transaction reports on Form 4 are filed separately by individuals, they can be viewed alongside company filings to monitor equity ownership changes by officers and directors.
On Stock Titan, AI-powered tools summarize lengthy filings, highlight key metrics and identify important changes from prior periods. This helps users quickly interpret FirstCash’s 10-Ks, 10-Qs and 8-Ks, understand how pawn and AFF segment results are evolving, and see how management describes risks, regulatory developments and strategic priorities.
FirstCash Holdings director Marthea Davis received a grant of 833 shares of common stock on January 28, 2026. The shares were awarded as restricted stock units at a price of $0 per share, increasing her directly owned stake to 5,607 shares.
The RSUs are scheduled to vest on December 31, 2026 under the award agreement, or on a pro rata basis if her board service ends other than for cause, based on months served from the grant date. Vesting and payment will be accelerated if there is a change in control and the RSUs are not assumed or appropriately converted by the surviving entity.
FirstCash Holdings director James H. Graves received an equity grant in the form of restricted stock units. On January 28, 2026, he was awarded 833 shares of FirstCash common stock at a price of $0 per share, increasing his directly held stake to 15,679 shares.
The 833 RSUs are scheduled to vest on December 31, 2026 under the award agreement, or on a pro rata basis if his board service ends earlier other than for cause, based on months served. Vesting and payment will be accelerated if there is a change in control and the units are not assumed or equivalently converted.
FirstCash Holdings, Inc. officer Howard F. Hambleton, AFF President, reported selling 4,000 shares of common stock on December 15, 2025 at $163.74 per share. After this transaction, he beneficially owns 26,581 shares directly.
The sale was made under a Rule 10b5-1 Preset Diversification Program dated September 11, 2025, under which he plans to sell up to 15,000 shares of FirstCash Holdings, Inc. common stock subject to certain minimum price thresholds.
FirstCash Holdings, Inc. (FCFS) director Randel G. Owen reported a sale of company stock. On 11/20/2025, he sold 1,500 shares of FirstCash common stock at a price of $152.20 per share, according to a Form 4 filing. The transaction was coded as a sale and was executed under a Rule 10b5-1 Preset Diversification Program dated August 20, 2025, which allows pre-planned trading. After this transaction, Owen beneficially owns 7,651 shares of FirstCash common stock directly.
FirstCash Holdings, Inc. (FCFS) Executive Vice President & Chief Financial Officer R. Douglas Orr reported open‑market sales totaling 5,500 shares of common stock on 11/17/2025. The transactions, all coded as sales, were executed at prices of $158.17 to $158.52 per share and involved both directly held shares and shares held through family entities.
After these trades, Orr beneficially owns 90,567 shares directly, 45,110 shares indirectly through a spousal trust, and 38,234 shares indirectly through a family limited partnership. The filing explains that the sales were made under a Rule 10b5‑1 Preset Diversification Program dated June 2, 2025, which provides for the planned sale of up to 44,000 shares of FirstCash common stock when certain minimum price thresholds are met.
FirstCash Holdings (FCFS) reported an insider stock sale by its President and COO, Thomas Brent Stuart. On 11/17/2025, he sold 10,000 shares of FirstCash common stock at a price of $159.97 per share. After this transaction, he beneficially owns 127,724 shares directly.
The sale was made under a pre-arranged Rule 10b5-1 Preset Diversification Program dated August 8, 2025, which allows Mr. Stuart to sell up to 35,348 shares of FirstCash common stock, subject to specified minimum price thresholds. The filing reports only non-derivative common stock; no derivative security transactions are listed.
FirstCash Holdings, Inc. (FCFS) reported an insider stock sale by its Vice-Chairman and CEO, Rick L. Wessel. On 11/19/2025, Wessel sold 20,000 shares of FirstCash common stock at a price of $156.39 per share in an open-market transaction coded "S" (sale). After this transaction, he beneficially owned 866,982 shares of common stock.
The filing notes that this sale was made under a Rule 10b5-1 Preset Diversification Program dated March 12, 2024. Under that plan, Wessel sold an aggregate total of 120,000 shares of FirstCash common stock, with the program completed as of November 19, 2025. Wessel is identified as both a Director and an Officer (Vice-Chairman & CEO) of the company.
FirstCash Holdings (FCFS) officer Howard F. Hambleton, AFF President, reported a Form 4 transaction coded G for a bona fide gift of 1,900 shares of common stock on 11/03/2025 at $0, described as a gift to a charitable organization.
After the transaction, Hambleton beneficially owns 30,581 shares, held directly.
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) reported Q3 2025 results and closed the H&T acquisition. Total revenue rose to $935.6 million from $837.3 million a year ago, and diluted EPS increased to $1.86 from $1.44. Net income was $82.8 million versus $64.8 million. Growth was driven by higher pawn loan fees ($221.1 million) and retail sales ($411.0 million), partially offset by lower lease-to-own revenue at AFF ($132.5 million vs. $188.6 million).
The company completed the purchase of U.K. pawn operator H&T on August 14 for £289.1 million (about $392.4 million), adding 286 U.K. stores. Assets increased to $5.18 billion, inventories to $456.3 million, and pawn loans to $788.1 million. To support the deal, borrowings under the unsecured revolver rose to $575.0 million; total long‑term debt reached $2.21 billion. The credit facility covenants were amended in May in anticipation of the acquisition.
Operating cash flow was $379.3 million for the nine months, while investing used $662.4 million largely for acquisitions. The company settled a CFPB matter, paying a $4.0 million fine and estimating up to $7.0 million in consumer redress. As of October 29, 2025, shares outstanding were 44,134,150.