FirstCash Holdings reported fourth‑quarter and full‑year 2025 results that exceeded consensus expectations, with revenue rising 20% to $1.058 billion and adjusted earnings per share of $2.64—an $0.29 or 12% beat over the $2.35 consensus. The revenue lift was driven by a 15% increase in same‑store pawn receivables, a 25% jump in the newly acquired H&T UK chain, and a 22% rise in net revenue that signals expanding margins.
The company added 344 new pawn locations during 2025, bringing its global network to 3,330 stores—an increase of 10% from the 3,000‑plus stores reported in the prior year. The H&T UK acquisition, completed in August 2025 for $383 million, contributed a 25% rise in local‑currency receivables and helped offset the modest 18% growth in U.S. pawn receivables, underscoring the counter‑cyclical nature of the business.
Same‑store pawn receivables grew 18% year‑over‑year, with a 15% increase when adjusted for local currency. Net revenue expanded 22% YoY, reflecting higher collateral values and pricing power in core pawn segments. Operating income rose 8% to $210 million, supported by disciplined cost management and the scale benefits of the expanded store network.
FirstCash declared a quarterly cash dividend of $0.42 per share, to be paid in February 2026. The annual dividend of $1.68 per share yields a dividend yield of 0.98% based on the $171.92 share price at the time of the announcement, slightly lower than the 1.04% figure previously cited.
CEO Rick Wessel highlighted the “exceptionally strong pawn operating results” and expressed confidence in continued revenue and earnings growth in 2026. He noted that the company’s counter‑cyclical model, combined with the successful integration of H&T UK, positions FirstCash to benefit from macro tailwinds such as inflation and reduced stimulus, while maintaining a conservative balance sheet and a steady dividend policy.
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