Every material Form 8-K FirstCash has filed with the SEC since August 09, 2024, read and summarized by AI: what happened, the key figures, whether it reads positive or negative for shareholders, and how big a deal it is (impact 1-5). Newest first; each brief links to its own page and to the filing on SEC.gov.
FirstCash furnished an November 2026 investor presentation as Exhibit 99.1 to this 8-K and posted it on its website. The deck shows revenue up 18%, GAAP EPS up 25% and adjusted EPS up 19% versus the prior year, and it reiterates the pending Ramsdens acquisition and a 10% dividend increase for shareholders.
Trailing twelve-month figures as of September 30, 2026: revenue of $4.3 billion, GAAP net income of $406 million and adjusted EBITDA of $835 million
Fourth quarter dividend declared at $0.46 per share, a 10% increase over the prior quarterly dividend, annualizing to $1.84 per share
$176 million remains under the $350 million share repurchase program, with 1.6 million shares repurchased year to date at an average price of $201.04
Ramsdens acquisition has an estimated equity value of about $304 million and is targeted to close by the end of 2026, pending antitrust approval
FirstCash's board increased the company's stock repurchase authorization by $200 million, bringing the total program to $350 million, of which $128 million had been used to date. The company said $222 million remains under the current program as of the October 28, 2026 market open, and CEO Rick Wessel cited the gap between the current valuation and the company's growth progress as the reason.
Authorization increased by $200 million to a total of $350 million
$128 million used to date, buying 644,000 shares at an average price of $199.46
$222 million remains available as of the October 28, 2026 market open
No time limit set; the program may be suspended or discontinued at any time
FirstCash reported third-quarter revenue of $1.1 billion, up 18% from a year earlier, and GAAP diluted earnings of $2.33 per share, up 25%. The Board also declared a 10% dividend increase to $0.46 per share and the company repurchased $123 million of stock in the quarter. Growth was driven by the pawn segments, while the American First Finance payment solutions unit saw declining revenue and expects a further decline in the fourth quarter.
Q3 revenue was $1.1 billion, up 18% from the prior-year quarter; GAAP diluted EPS was $2.33 versus $1.86.
Q3 GAAP net income was $101 million, up 22%; adjusted diluted EPS was $2.68 versus $2.26.
Quarterly dividend of $0.46 per share is up 10%, payable November 24, 2026, to holders of record as of November 13, 2026.
AFF Q3 net revenues fell 20%, and fourth-quarter net revenue is expected to decrease 15% to 20%.
On August 27, 2026, FirstCash signed the Tenth Amendment to its U.S. revolving unsecured credit facility with Wells Fargo Bank, National Association, as administrative agent. The amendment raises the total lender commitment from $700 million to $1.055 billion, extends the maturity from August 8, 2029 to August 27, 2031, and raises the permitted consolidated net leverage ratio to 3.5 times EBITDA for the full term. The company said the larger facility is intended to help fund the pending Ramsdens acquisition in the U.K. and other acquisitions.
Total lender commitment increased from $700 million to $1.055 billion.
Maturity extended from August 8, 2029 to August 27, 2031.
Borrowings allowed in U.S. dollars and pounds sterling, priced at SONIA or SOFR plus a 2.50% margin.
Permitted consolidated net leverage ratio increased to 3.5 times EBITDA; the Ramsdens acquisition is pending final regulatory approval.
FirstCash reported second-quarter 2026 revenue of $1.1 billion, up 29% from a year earlier, and GAAP diluted earnings per share of $2.12, up from $1.34. The company raised its full-year pawn revenue guidance and its board authorized a new $150 million share repurchase program after completing the prior $150 million program in early July. Net revenue at the American First Finance (AFF) payment segment is expected to fall 20% to 25% in 2026.
Q2 2026 revenue was $1.1 billion ($1,074,688 thousand), up 29% from $830.6 million in Q2 2025.
GAAP diluted EPS was $2.12 versus $1.34; adjusted (non-GAAP) diluted EPS was $2.50 versus $1.79.
Board declared a $0.42 per share quarterly dividend, payable August 28, 2026, to holders of record on August 14, 2026.
Board approved a new $150 million share repurchase authorization on July 22, 2026; the prior $150 million program was fully completed in early July 2026.
FirstCash Holdings announced that CEO and Vice Chairman Rick Wessel will become Executive Chairman and step down as CEO effective January 1, 2027, with President and COO Brent Stuart succeeding him as CEO on that date. The board also elected Stuart as a director effective July 22, 2026, and Chairman Dan Feehan will retire from the chairmanship on the transition date while remaining on the board. Stuart's and Wessel's compensation has not yet been determined and will be disclosed in a future amendment.
Rick Wessel moves from CEO to Executive Chairman effective January 1, 2027, and expects to serve on the board for at least three years.
Brent Stuart, 56, President and COO since September 2016, will become CEO effective January 1, 2027, and keep direct responsibility for day-to-day operations.
Stuart was elected to the board effective July 22, 2026, and will not receive separate board compensation.
Dan Feehan will retire as Chairman of the Board on January 1, 2027, and remain a board member.
FirstCash Holdings closed a private offering of $750 million of 6.125% senior notes due May 1, 2034 on May 1, 2026. The notes were issued by its wholly owned subsidiary FirstCash, Inc., are unsecured, and are guaranteed by the parent and domestic subsidiaries that guarantee its revolving credit facility and existing senior notes. The indenture adds a direct financial obligation and includes covenants that limit additional debt, dividends and stock repurchases.
$750 million of 6.125% senior notes due May 1, 2034 closed on May 1, 2026
Issued by subsidiary FirstCash, Inc.; guaranteed by the parent and domestic subsidiaries that guarantee its revolving credit facility and existing senior notes
Interest payable semi-annually on May 1 and November 1, beginning November 1, 2026
Redeemable before May 1, 2029 at 100% of principal plus accrued interest and a make-whole premium; indenture with trustee BOKF, NA
FirstCash reported record first-quarter 2026 revenue of $1.05 billion, up 26% from a year earlier, and GAAP diluted earnings per share of $2.43, up 30%. The company raised its full-year 2026 revenue guidance for each of its pawn segments and declared a $0.42 per share quarterly dividend.
Revenue of $1,051.7 million for the quarter ended March 31, 2026, up 26% from $836.4 million
GAAP diluted EPS of $2.43 versus $1.87, up 30%; net income of $107.7 million, up 29%
Full-year 2026 pawn revenue guidance raised for each segment; U.S. pawn fee growth now expected in the mid-teens versus low double digits previously
Quarterly dividend of $0.42 per share, payable May 29, 2026 to holders of record May 15, 2026
FirstCash reported fourth-quarter 2025 revenue of $1.06 billion, up 20% from $884 million a year earlier, and GAAP diluted earnings per share of $2.35, up 26%. For full-year 2025, GAAP diluted EPS rose 29% to $7.42, and the company also declared a $0.42 per share quarterly dividend, but it expects 2026 net revenue at its AFF payment solutions segment to decline 5% to 10%.
Q4 2025 revenue was $1,058.4 million versus $883.8 million in Q4 2024; GAAP net income was $104.2 million.
Full-year 2025 GAAP net income was $330 million and diluted EPS was $7.42, versus $5.73 in 2024.
Board declared a $0.42 per share dividend, payable February 27, 2026, to holders of record as of February 18, 2026.
2026 outlook expects AFF net revenue to fall 10% to 15% in the first half and 5% to 10% for the full year, while U.K. pawn segment income is expected at $115 million to $125 million.
FirstCash reported record third-quarter revenue of $935.6 million, up 12%, and GAAP net income of $82.8 million, up 28%. The company raised its full-year 2025 revenue growth expectations for its U.S. and Latin America pawn segments and authorized a new $150 million share repurchase plan alongside a $0.42 quarterly dividend.
Q3 GAAP diluted EPS was $1.86 versus $1.44 a year earlier, up 29%; adjusted diluted EPS was $2.26, up 35%.
Nine-month GAAP diluted EPS was $5.07 versus $3.88, up 31%.
Board authorized up to $150 million of share repurchases on October 22, 2025, and declared a $0.42 dividend payable November 26, 2025.
AFF 2025 origination volume is now expected to fall 7% to 10% versus 2024, while AFF net revenue is now expected to be flat.
FirstCash reported second-quarter 2025 GAAP diluted earnings per share of $1.34, up from $1.08 a year earlier, as net income rose to $59.8 million from $49.1 million, while revenue was roughly flat at $830.6 million. The company raised parts of its 2025 outlook for its U.S. and Latin America pawn segments, and declared a 11% higher quarterly dividend of $0.42 per share.
Q2 2025 GAAP diluted EPS was $1.34 versus $1.08 in Q2 2024, up 24%; net income was $59.8 million versus $49.1 million.
Q2 2025 total revenue was $830.6 million versus $831.0 million a year earlier.
Outlook raised for U.S. pawn fee growth to 10% to 12% (from 9% to 11%) and for Latin America pawn revenue; AFF net revenue decline now expected at 6% to 8% (from 8% to 12%).
Quarterly cash dividend of $0.42 per share, an 11% increase, payable August 29, 2025 to holders of record as of August 15, 2025.
FirstCash's subsidiary Chess Bidco agreed with H&T Group's board on a recommended all-cash acquisition of H&T, the UK's largest pawnbroker with 285 stores. The total equity value is approximately £297 million or $394 million, and the deal is expected to close in the second half of 2025, subject to H&T shareholder and UK regulatory approvals. The acquisition is financed partly by borrowing under FirstCash's existing revolving credit facility, and related amendments raise the leverage limit and restrict share repurchases.
Shareholders of H&T would receive 650 pence in cash per share plus a final dividend of 11 pence payable June 27, 2025, for 661 pence in total.
Total equity value is approximately £297 million or $394 million, based on the exchange rate as of May 13, 2025.
A £299 million bridge credit agreement with Jefferies Finance serves as a backstop; the credit facility leverage ratio limit rises to 3.75 to 1.00 for quarters ending through December 31, 2025.
Share repurchases would be limited to 0% of prior quarter consolidated net income if the leverage ratio is 3.50 to 1.00 or higher in any 2025 or 2026 fiscal quarter.
FirstCash reported first-quarter 2025 results with revenue flat at $836 million and net income up 36% to $83.6 million, or $1.87 diluted EPS versus $1.35 a year earlier. The company raised its 2025 earnings expectation for its AFF lease-to-own segment, but it expects AFF second-quarter net revenues to fall 14% to 16% from last year.
Diluted EPS $1.87 vs. $1.35 (GAAP, up 39%); adjusted diluted EPS $2.07, up 34%
Total revenue $836.4 million, flat versus $836.4 million a year earlier
Board declared a $0.38 per share second-quarter dividend, payable May 30, 2025, to holders of record May 15, 2025
Repurchased 525,000 shares for $60 million in Q1; $55 million remains under the $200 million program authorized in July 2023
On March 3, 2025, FirstCash amended the employment agreements of five named executive officers, including CEO Rick L. Wessel and CFO R. Douglas Orr. The amendments extend the agreement terms to December 31, 2026, and set annual base salaries effective January 1, 2025, ranging from $549,000 to $1,452,946. The filing states there were no other changes, so the update mainly affects executive pay terms and contract length.
Amendments dated March 3, 2025, cover CEO Rick L. Wessel, President and COO T. Brent Stuart, EVP and CFO R. Douglas Orr, Howard F. Hambleton (President of AFF), and Raul Ramos (SVP Latin American Operations).
Agreement terms extended to December 31, 2026, and automatic one-year extensions now take effect on December 31, 2026.
Base salaries effective January 1, 2025: Wessel $1,452,946; Stuart $897,592; Orr $807,773; Hambleton $681,408; Ramos $549,000.
Amendments filed as Exhibits 10.1 through 10.5 to the Form 8-K.
FirstCash reported record fourth-quarter and full-year 2024 revenue and GAAP net income, driven mainly by its pawn operations, and declared a quarterly dividend of $0.38 per share. The company's 2025 outlook expects pawn to remain the main earnings driver, while its AFF payment solutions segment is expected to see revenue decline 10% to 15% in 2025.
Q4 2024 revenue was $884 million, up 4% from $852 million a year earlier; GAAP diluted EPS was $1.86 versus $1.53, up 22%
Full-year 2024 revenue was a record $3.4 billion, up 8%; GAAP net income was $259 million, up from $219 million, with diluted EPS of $5.73 versus $4.80
Adjusted (non-GAAP) Q4 diluted EPS rose 4% to $2.12 from $2.04
Quarterly dividend of $0.38 per share is payable February 28, 2025 to holders of record as of February 14, 2025
FirstCash Holdings said director Douglas R. Rippel retired from its board effective immediately on December 2, 2024. The filing states the retirement was not due to any disagreement over the company's operations, policies, or practices, and no committee changes are needed.
Douglas R. Rippel retired from the Board of Directors effective December 2, 2024.
Rippel was former owner and Executive Chairman of American First Finance, which FirstCash acquired in December 2021.
The company states the retirement involved no disagreement with the company on operations, policies, or practices.
Rippel did not serve on any board committee, so no committee changes are required.
FirstCash Holdings reported record third-quarter 2024 revenue of $837.3 million, up 6% from a year earlier, and GAAP diluted earnings per share of $1.44, up 14%. Adjusted diluted EPS rose 7% to $1.67, and the board declared a $0.38 quarterly dividend payable November 27, 2024.
Q3 2024 revenue $837.3 million, up 6% in U.S. dollars from $786.3 million
GAAP diluted EPS $1.44 vs. $1.26 a year earlier (up 14%); adjusted diluted EPS $1.67 (up 7%)
Nine-month revenue $2.5 billion, up 9%; GAAP net income $175.3 million
Quarterly dividend of $0.38 per share, payable November 27, 2024 to holders of record as of November 15, 2024
FirstCash Holdings amended its unsecured revolving credit facility on August 8, 2024, increasing the lender commitment from $640 million to $700 million and extending the maturity from August 2027 to August 2029. The amendment also raises the permitted consolidated leverage ratio to 3.25 times adjusted EBITDA for the full term, while other financial covenants remain substantially unchanged. The company said the added capacity supports growth in the U.S. and Latin America and future shareholder payouts through cash dividends and share repurchases.
Lender commitment increased from $640 million to $700 million
Maturity extended from August 30, 2027 to August 8, 2029
Permitted consolidated leverage ratio raised to 3.25 times adjusted EBITDA for the full term
Interest at SOFR plus a fixed 2.5% spread, or prime or base rate plus a fixed 1.5% spread, at the borrower's option
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