Every material Form 8-K FirstCash filed with the SEC in 2025, 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 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
Briefs are written by AI from the filing text (each brief's own page names the model) and can contain mistakes — open the filing before acting on anything. Impact (1-5) and tone are the model's reading of the filing for shareholders, not a price forecast. Not investment advice.
Only material 8-Ks get a brief: results, deals, executive changes, restructuring, impairments, delisting notices, restatements, cybersecurity incidents and other disclosed events. Routine filings (vote results, exhibits only) are skipped. Every FirstCash filing is on SEC EDGAR ↗. 8-K briefs of other companies →