Company: FCFS
Filing Date: 2025-11-03
Form Type: 10-Q
Source: 0000840489-25-000120
Chunk: 159

Company: FirstCash Holdings, Inc.
Filing Date: 2025-11-03
Form: 10-Q
Item: Part I, Item 2
Chunk 159
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vision for loan losses— — — 118,468 — 118,468 Cost of wholesale scrap jewelry sold92,009 31,770 14,700 — — 138,479 Other cost of revenue— — 634 — — 634 Total cost of revenue526,327 291,019 26,089 450,669 (2,206)1,291,898 Net revenue743,381 328,689 28,861 209,744 51 1,310,726 Expenses and other income:    Operating expenses395,790 196,158 10,225 71,434 — 673,607 Administrative expenses— — — — 166,631 166,631 Depreciation and amortization24,155 13,173 742 2,091 40,239 80,400 Interest expense— — — — 86,024 86,024 Interest income— — — — (2,664)(2,664)Gain on foreign exchange— — — — (1,504)(1,504)Merger and acquisition expenses— — — — 12,711 12,711 Other income, net— — — — (9,254)(9,254)Total expenses and other income419,945 209,331 10,967 73,525 292,183 1,005,951 Income (loss) before income taxes$323,436 $119,358 $17,894 $136,219 $(292,132)$304,775 

(1)Represents the elimination of intersegment transactions related to the Company offering AFF’s LTO payment solution in its U.S. pawn stores.

34

Nine Months Ended September 30, 2024U.S.PawnLatinAmericaPawnU.K.PawnRetail POSPaymentSolutionsCorporate/Intersegment EliminationsConsolidatedRevenue:   Retail merchandise sales$702,120 $394,375 $— $— $(3,070)(1)$1,093,425 Pawn loan fees371,699 175,443 — — — 547,142 Leased merchandise income— — — 588,801 — 588,801 Interest and