Group 1: Momentum Investing Overview - Momentum investing involves following a stock's recent trend, with the strategy of "buying high, hoping to sell even higher" [1] - The Zacks Momentum Style Score helps investors identify stocks with momentum by focusing on key metrics [2] Group 2: FirstCash Holdings (FCFS) Analysis - FirstCash Holdings currently holds a Momentum Style Score of B and a Zacks Rank of 2 (Buy) [3][4] - FCFS shares have increased by 1.55% over the past week, while the Zacks Financial Transaction Services industry has risen by 2.47% [6] - Over the last quarter, FCFS shares have gained 9.8%, and 18.59% over the past year, outperforming the S&P 500's gains of 7.98% and 15.57%, respectively [7] - The average 20-day trading volume for FCFS is 385,679 shares, indicating a bullish sign if the stock rises with above-average volume [8] Group 3: Earnings Outlook - In the past two months, two earnings estimates for FCFS have moved higher, increasing the consensus estimate from $7.93 to $8.03 [10] - For the next fiscal year, two estimates have also moved upwards, with no downward revisions [10] Group 4: Conclusion - FCFS is positioned as a 2 (Buy) stock with a Momentum Score of B, making it a potential candidate for near-term investment [12]

Investors might want to bet on FirstCash Holdings (FCFS) , as it has been recently upgraded to a Zacks Rank #2 (Buy). An upward trend in earnings estimates -- one of the most powerful forces impacting stock prices -- has triggered this rating change.The sole determinant of the Zacks rating is a company's changing earnings picture. The Zacks Consensus Estimate -- the consensus of EPS estimates from the sell-side analysts covering the stock -- for the current and following years is tracked by the system.Since ...

Core Viewpoint - FirstCash Holdings, Inc. has successfully completed the acquisition of H&T Group plc, marking its entry into the European market and enhancing its position as a global leader in the pawn industry with over 3,300 retail locations and annualized pro forma revenues nearing $4 billion [2][4]. Company Overview - FirstCash is a leading international operator of pawn stores, serving cash and credit-constrained consumers with more than 3,300 locations across the U.S., Latin America, and the U.K. [11]. - The company focuses on buying and selling a variety of merchandise and providing small non-recourse pawn loans secured by personal property [11]. Acquisition Details - The acquisition of H&T, the largest pawn store operator in the U.K. with 286 locations, was finalized on August 14, 2025, with H&T shareholders receiving 650 pence per share, totaling an equity value of £289 million (approximately $383 million) [8]. - FirstCash also assumed H&T's net debt of approximately £64 million (around $85 million) [8]. Financial Impact - H&T's stand-alone financial metrics for the full year 2025 are projected to include revenues between $315 million and $340 million, net income of $35 million to $38 million, and EBITDA of $60 million to $65 million [6]. - The expected earnings per share accretion for FirstCash from H&T for the remainder of 2025 is anticipated to be in the range of $0.20 to $0.25 per share [6][7]. Strategic Importance - The acquisition is expected to be immediately accretive to earnings, with strong pawn customer demand and double-digit pawn receivable growth reported by H&T in 2025 [5]. - The combination of FirstCash and H&T is seen as a platform for further international expansion, with H&T's market-leading position providing access to an attractive market [4][5].

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Quarterly Period Ended June 30, 2025 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from __________ to ___________ Commission file number 001-10960 FIRSTCASH HOLDINGS, INC. (Exact name of registrant as specified in its charter) Delaware 87-3 ...

EXHIBIT 99.1 FirstCash Reports Record Second Quarter Operating Results; Strong Performance Across All Segments Drives Over 30% Year-to-Date EPS Growth; Increases Quarterly Cash Dividend 11% Fort Worth, Texas (July 24, 2025) -- FirstCash Holdings, Inc. ("FirstCash" or the "Company") (Nasdaq: FCFS), the leading international operator of more than 3,000 retail pawn stores and a leading provider of retail point-of-sale payment solutions, today announced operating results for the three and six month periods ende ...

Core Insights - FirstCash Holdings reported revenue of $830.62 million for the quarter ended June 2025, reflecting a slight decrease of 0.1% year-over-year, while EPS increased to $1.79 from $1.37 in the same quarter last year, indicating a positive trend in earnings despite revenue decline [1] - The revenue exceeded the Zacks Consensus Estimate of $824.3 million by 0.77%, and the EPS surpassed the consensus estimate of $1.66 by 7.83%, showcasing better-than-expected performance in earnings [1] Revenue Breakdown - Revenue from leased merchandise income was reported at $139.78 million, which is 28.2% lower than the previous year and below the average estimate of $145.87 million from two analysts [4] - Revenue from pawn loan fees reached $190.82 million, slightly above the estimated $190.61 million, marking a year-over-year increase of 5.4% [4] - Revenue from interest and fees on finance receivables was $76.08 million, exceeding the average estimate of $74.67 million, with a significant year-over-year increase of 33.9% [4] Stock Performance - Over the past month, FirstCash shares have returned -0.8%, contrasting with the Zacks S&P 500 composite's increase of 5.7%, indicating underperformance relative to the broader market [3] - The stock currently holds a Zacks Rank 4 (Sell), suggesting potential underperformance in the near term [3]

FirstCash Holdings (FCFS) came out with quarterly earnings of $1.79 per share, beating the Zacks Consensus Estimate of $1.66 per share. This compares to earnings of $1.37 per share a year ago. These figures are adjusted for non-recurring items.This quarterly report represents an earnings surprise of +7.83%. A quarter ago, it was expected that this pawn store would post earnings of $1.75 per share when it actually produced earnings of $2.07, delivering a surprise of +18.29%.Over the last four quarters, the c ...

Core Insights - FirstCash Holdings, Inc. reported strong operating results for the second quarter and year-to-date periods, with significant growth in pawn demand and earnings across its segments [2][27][31] - The Board of Directors declared a quarterly cash dividend of $0.42 per share, marking an 11% increase from the previous dividend [1][20] Financial Performance - For the three months ended June 30, 2025, revenue was $830.622 million, with net income of $59.805 million, representing a 22% increase year-over-year on a GAAP basis [4][5] - Adjusted diluted earnings per share for the second quarter increased by 31% compared to the prior-year quarter, reaching $1.79 [5][10] - Year-to-date net income increased by 30% over the prior-year period on a GAAP basis, totaling $143.396 million [5][10] Segment Performance - Pawn demand remains robust, with same-store pawn receivables up 13% in both the U.S. and Latin America [2][11] - The U.S. pawn segment reported a record pre-tax operating income of $98 million for the second quarter, an 8% increase compared to the prior-year quarter [11][46] - The Latin America pawn segment saw a 10% increase in pre-tax operating income on a U.S. dollar basis, with a 22% increase on a local currency basis [15][29] Acquisition and Expansion - The company expects to complete the acquisition of H&T Group plc, the largest pawnbroker in the U.K., by the end of the third quarter of 2025 [2][10] - The acquisition will expand FirstCash's operations into Europe, creating the largest publicly traded pawn platform in the U.S., Latin America, and the U.K. with over 3,300 locations [10][31] Cash Flow and Shareholder Returns - Consolidated operating cash flows for the twelve months ended June 30, 2025, grew by 26% to $555 million [20][32] - The company repurchased 525,000 shares of common stock at a total cost of $60 million over the past twelve months [20][32] - The annualized dividend is now $1.68 per share, reflecting an 11% increase over the previous annualized dividend [20][32] Outlook - The outlook for 2025 remains positive, with expected year-over-year growth in income driven by continued growth in earning asset balances and store additions [21][26] - Same-store pawn loans are projected to grow by 10% to 12% for the full year, up from previous expectations of 9% to 11% [21][26]

Core Viewpoint - Wall Street analysts expect FirstCash Holdings (FCFS) to report quarterly earnings of $1.66 per share, reflecting a year-over-year increase of 21.2%, while revenues are projected to decrease by 0.8% to $824.3 million [1]. Earnings Estimates - The consensus EPS estimate for the quarter has remained unchanged over the last 30 days, indicating that analysts have collectively reevaluated their initial estimates during this period [2]. - Revisions to earnings projections are crucial for predicting investor behavior regarding the stock, with empirical studies showing a strong correlation between earnings estimate revisions and short-term stock price performance [3]. Revenue Forecasts - Analysts predict 'Revenue- Leased merchandise income' to be $145.87 million, indicating a decrease of 25% from the previous year [5]. - 'Revenue- Pawn loan fees' is forecasted to reach $190.61 million, suggesting a year-over-year increase of 5.3% [5]. - The consensus for 'Revenue- Interest and fees on finance receivables' is $74.67 million, reflecting a significant increase of 31.5% year over year [5]. Stock Performance - Over the past month, FirstCash shares have returned +2.3%, compared to the Zacks S&P 500 composite's +5.9% change, indicating potential underperformance in the upcoming period [6].

Wall Street expects a year-over-year increase in earnings on lower revenues when FirstCash Holdings (FCFS) reports results for the quarter ended June 2025. While this widely-known consensus outlook is important in gauging the company's earnings picture, a powerful factor that could impact its near-term stock price is how the actual results compare to these estimates.The stock might move higher if these key numbers top expectations in the upcoming earnings report, which is expected to be released on July 24. ...