分组1 - FirstCash Holdings reported quarterly earnings of $1.79 per share, exceeding the Zacks Consensus Estimate of $1.66 per share, and up from $1.37 per share a year ago, representing an earnings surprise of +7.83% [1] - The company posted revenues of $830.62 million for the quarter ended June 2025, surpassing the Zacks Consensus Estimate by 0.77%, but slightly down from $831.01 million year-over-year [2] - FirstCash shares have increased approximately 28.9% since the beginning of the year, significantly outperforming the S&P 500's gain of 8.1% [3] 分组2 - The current consensus EPS estimate for the upcoming quarter is $1.83 on revenues of $836.71 million, and for the current fiscal year, it is $7.85 on revenues of $3.38 billion [7] - The Financial Transaction Services industry, to which FirstCash belongs, is currently ranked in the bottom 34% of over 250 Zacks industries, indicating potential challenges for stock performance [8]

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].

Core Viewpoint - Wall Street anticipates a year-over-year increase in earnings for FirstCash Holdings despite lower revenues, with a focus on how actual results compare to estimates impacting stock price [1][2]. Earnings Expectations - FirstCash is expected to report quarterly earnings of $1.66 per share, reflecting a year-over-year increase of +21.2% [3]. - Revenues are projected to be $824.3 million, a decrease of 0.8% from the previous year [3]. Estimate Revisions - The consensus EPS estimate has remained unchanged over the last 30 days, indicating stability in analyst expectations [4]. - The Most Accurate Estimate for FirstCash is higher than the Zacks Consensus Estimate, resulting in an Earnings ESP of +2.41% [12]. Earnings Surprise Prediction - A positive Earnings ESP reading suggests a potential earnings beat, particularly when combined with a strong Zacks Rank [10]. - FirstCash currently holds a Zacks Rank of 4, which complicates the prediction of an earnings beat despite the positive Earnings ESP [12]. Historical Performance - In the last reported quarter, FirstCash exceeded expectations by delivering earnings of $2.07 per share against an expected $1.75, resulting in a surprise of +18.29% [13]. - The company has beaten consensus EPS estimates in all of the last four quarters [14]. Industry Comparison - Another player in the financial transaction services industry, Wex, is expected to report earnings of $3.69 per share, indicating a year-over-year decline of -5.6% [18]. - Wex's revenues are anticipated to be $653.38 million, down 3% from the previous year, with a higher Most Accurate Estimate leading to an Earnings ESP of +0.88% and a Zacks Rank of 2 [19].

Core Viewpoint - The Consumer Financial Protection Bureau (CFPB) and FirstCash have reached a settlement regarding alleged violations of the Military Lending Act (MLA), which includes financial penalties and compliance requirements [1][2]. Group 1: Settlement Details - FirstCash and its 18 subsidiaries are required to set aside $5 million for redress and pay a $4 million fine to the CFPB's victims relief fund [2]. - The proposed order, if entered by the court, mandates compliance with the MLA moving forward [2]. Group 2: Allegations and Legal Background - The CFPB's lawsuit, filed in November 2021, accused FirstCash of violating the MLA by charging interest rates exceeding the maximum allowable annual percentage rate of 36%, requiring arbitration for disputes, and failing to provide necessary loan disclosures [3]. - Rohit Chopra, the CFPB's director at the time of the lawsuit, characterized FirstCash as a repeat offender that exploited military families [4]. Group 3: Company Response and Future Plans - FirstCash's CEO expressed satisfaction with the settlement, stating the company disagrees with the CFPB's allegations but believes settling is the best course of action [5]. - As part of the settlement, FirstCash plans to introduce a new pawn lending product specifically for U.S. military members and their families, ensuring compliance with the MLA [4].

Core Viewpoint - FirstCash Holdings, Inc. has reached a settlement with the Consumer Financial Protection Bureau (CFPB) regarding alleged violations of the Military Lending Act, which includes financial compensation and the introduction of a new pawn lending product for military members and their families [1][2]. Group 1: Settlement Details - The settlement is subject to final court approval and includes an estimated consumer redress of $5 million to $7 million for affected customers, along with a $4 million fine to the CFPB victims relief fund [2]. - The financial impact of the settlement will be reflected in the Company's GAAP financial results for the second quarter of 2025 [2]. Group 2: Company Overview - FirstCash operates over 3,000 retail pawn stores in the U.S. and Latin America, focusing on serving cash and credit-constrained consumers [3]. - The pawn segments in the U.S. and Latin America account for approximately 80% of annualized segment earnings, with the remainder coming from its subsidiary, AFF, which provides lease-to-own and retail finance solutions [3]. Group 3: Market Position - FirstCash is a component of both the Standard & Poor's MidCap 400 Index and the Russell 2000 Index, with its common stock traded on Nasdaq [4].

Company Performance - FirstCash Holdings (FCFS) shares have increased by 6.2% over the past month, reaching a new 52-week high of $135.64 [1] - Year-to-date, FirstCash has gained 29.8%, outperforming the Zacks Business Services sector's 0.9% and the Zacks Financial Transaction Services industry's 2.6% [1] Earnings and Revenue - FirstCash has a strong record of positive earnings surprises, not missing earnings consensus estimates in the last four quarters [2] - In the latest earnings report on April 24, 2025, FirstCash reported EPS of $2.07, exceeding the consensus estimate of $1.75, but missed the revenue estimate by 0.64% [2] - For the current fiscal year, FirstCash is expected to post earnings of $7.86 per share on revenues of $3.38 billion, reflecting a 17.31% change in EPS and a -0.2% change in revenues [3] - For the next fiscal year, earnings are projected to be $9.31 per share on revenues of $3.56 billion, indicating a year-over-year change of 18.35% in EPS and 5.18% in revenues [3] Valuation Metrics - FirstCash has a Value Score of B, a Growth Score of A, and a Momentum Score of F, resulting in a combined VGM Score of A [6] - The stock currently trades at 17.1X current fiscal year EPS estimates, which is a premium to the peer industry average of 16.1X [6] - On a trailing cash flow basis, FirstCash trades at 7.5X compared to its peer group's average of 11.7X [6] Zacks Rank - FirstCash holds a Zacks Rank of 2 (Buy) due to a solid earnings estimate revision trend [7] - The company meets the criteria for investors looking for stocks with Zacks Rank of 1 (Strong Buy) or 2 (Buy) and Style Scores of A or B, suggesting potential for further gains [7] Industry Comparison - The Financial Transaction Services industry is in the top 22% of all industries, indicating favorable conditions for both FCFS and its peers [10] - Green Dot Corporation (GDOT), a peer in the industry, has a Zacks Rank of 1 (Strong Buy) and has shown strong earnings performance, beating consensus estimates by 51.43% [8][9]

Group 1: Company Overview - BGSF is part of the Business Services group, which consists of 271 companies and ranks 3 in the Zacks Sector Rank [2] - BGSF currently holds a Zacks Rank of 2 (Buy), indicating a positive outlook based on earnings estimates and revisions [3] Group 2: Performance Metrics - Year-to-date, BGSF has returned 5%, significantly outperforming the Business Services sector's average return of 0.3% [4] - In comparison, FirstCash Holdings (FCFS) has seen a year-to-date increase of 24% [4] - BGSF's full-year earnings consensus estimate has risen by 366.7% over the past three months, reflecting improved analyst sentiment [3] Group 3: Industry Context - BGSF belongs to the Business - Services industry, which includes 26 companies and currently ranks 70 in the Zacks Industry Rank; this industry has gained an average of 16.3% year-to-date, indicating BGSF is slightly underperforming its industry [5] - FirstCash Holdings operates within the Financial Transaction Services industry, which has 35 stocks and ranks 57, with a year-to-date increase of 0.4% [6]

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Company Overview - FirstCash Holdings (FCFS) is part of the Business Services group, which consists of 270 companies and ranks 4 in the Zacks Sector Rank [2] - The company currently holds a Zacks Rank of 2 (Buy), indicating a positive earnings outlook [3] Performance Metrics - FCFS has seen a year-to-date gain of approximately 24.5%, significantly outperforming the Business Services sector's average return of 3.5% [4] - Over the past three months, the Zacks Consensus Estimate for FCFS' full-year earnings has increased by 2.1%, reflecting improved analyst sentiment [4] Industry Context - FirstCash Holdings operates within the Financial Transaction Services industry, which includes 35 stocks and currently ranks 75 in the Zacks Industry Rank [6] - Stocks in this industry have gained about 5.8% year-to-date, indicating that FCFS is performing better than its industry peers [6] Competitive Landscape - Another notable stock in the Business Services sector is OppFi Inc. (OPFI), which has achieved a year-to-date return of 58% and has a Zacks Rank of 1 (Strong Buy) [5] - Both FirstCash Holdings and OppFi Inc. are highlighted as strong performers within the Business Services sector [7]