Company: FCFS
Filing Date: 2025-11-03
Form Type: 10-Q
Source: 0000840489-25-000120
Chunk: 140

Company: FirstCash Holdings, Inc.
Filing Date: 2025-11-03
Form: 10-Q
Item: Part I, Item 8
Chunk 140
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, 2025CurrencyConstant CurrencyExchange RateBasis U.S. Dollar BasisFluctuations(Non-GAAP)Earning assets:Pawn loans$173,203 $(10,442)$162,761 Inventories124,081 (7,512)116,569 $297,284 $(17,954)$279,330 

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The following table provides exchange rates for the Mexican peso, Guatemalan quetzal, Colombian peso and British pound sterling for the current and prior-year periods:  

September 30,Favorable / 20252024(Unfavorable)U.S. dollar / Mexican peso exchange rate:   End-of-period18.419.66 %Three months ended18.618.92 %Nine months ended19.517.7(10)%U.S. dollar / Guatemalan quetzal exchange rate:End-of-period7.77.7— %Three months ended7.77.7— %Nine months ended7.77.81 %U.S. dollar / Colombian peso exchange rate:End-of-period3,9014,1646 %Three months ended4,0034,0952 %Nine months ended4,1313,979(4)%British pound sterling  / U.S. dollar exchange rate:End-of-period1.351.341 %Three months ended1.351.304 %Nine months ended1.311.282 %

ITEM 3. QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK

Market risks relating to the Company’s operations result primarily from changes in interest rates, gold prices and foreign currency exchange rates and are described in detail in the Company’s 2024 Annual Report on Form 10-K. The impact of current-year fluctuations in foreign currency exchange rates, in particular, are further discussed in Part I, Item 2 herein. The Company does not engage in speculative or leveraged transactions, nor does it hold or issue financial instruments for trading purposes. There have been no material changes to the Company’s exposure to market risks since December 31, 2024.

ITEM 4. CONTROLS AND PROCEDURES

Evaluation of Disclosure Controls and Procedures

The Company’s management, under the supervision and with the participation of the Company’s Chief Executive Officer and Chief Financial Officer, has evaluated the effectiveness of the Company’s disclosure controls and procedures (as defined in Rule 13a-15(e) under the Exchange