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]

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]

Wall Street analysts forecast that FirstCash Holdings (FCFS) will report quarterly earnings of $1.66 per share in its upcoming release, pointing to a year-over-year increase of 21.2%. It is anticipated that revenues will amount to $824.3 million, exhibiting a decrease of 0.8% compared to the year-ago quarter.The consensus EPS estimate for the quarter has remained unchanged over the last 30 days. This reflects how the analysts covering the stock have collectively reevaluated their initial estimates during th ...

Core Insights - EZCORP is identified as a potential beneficiary of President Trump's tariff uncertainty, particularly due to its focus on providing pawn loans to low-income consumers [1] Company Analysis - EZCORP's business model may benefit from weakening economic growth driven by tariffs, as it caters to a demographic that may require financial assistance during economic downturns [1]