FirstCash operates through three segments: U.S. Pawn, Latin America Pawn, and Retail POS Payment Solutions segments. The company marked its first fiscal quarter in history in which consolidated revenues exceeded $1 billion, demonstrating strong operational leverage and market expansion success across multiple geographies including the recently acquired H&T U.K. portfolio.
Cyborg Score Rationale
FirstCash posted another year of record revenue, earnings and operating cash flows, with fourth quarter revenues increasing 20% over last year to surpass $1 billion for the first time. The company's market cap has increased by 51.90% in one year, reflecting strong investor confidence.
Top Insights
Full-year 2025 revenue of $3.661B (up 8%) and GAAP diluted EPS $7.42 (up 29%)
2025 adjusted EBITDA was $698M, operating cash flow was $586M, and pawn locations grew to 3,330 after adding 344 stores during the year, including the acquired 286-store H&T U.K. portfolio
October 2025, the Board of Directors authorized a new common stock repurchase program for up to $150 million, demonstrating confidence and shareholder-friendly capital allocation
Annualized dividend of $1.68 per share with consistent quarterly distributions reflecting stable cash generation
Named Competitors
EZCORP — Pawn lending and retail services competitor
Regional Pawn Operators — Local and regional pawn store networks
Alternative Financial Services — Consumer lending and short-term financing alternatives
Recent Developments
(February 2026) Record fourth quarter revenue of $1.058B (up 20%) and diluted EPS of $2.35 (up 26%)