Company: FCFS
Filing Date: 2025-11-03
Form Type: 10-Q
Source: 0000840489-25-000120
Chunk: 47

Company: FirstCash Holdings, Inc.
Filing Date: 2025-11-03
Form: 10-Q
Item: Part I, Item 1
Chunk 47
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U.K.TotalTotal locations, beginning of period1,194 1,833 — 3,027 New locations opened — 2 1 3 Locations acquired2 — 286 288 Consolidation of existing pawn locations (1)(3)(3)(1)(7)Total locations, end of period1,193 1,832 286 3,311 Nine Months Ended September 30, 2025 U.S.Latin AmericaU.K.TotalTotal locations, beginning of period1,200 1,826 — 3,026 New locations opened2 21 1 24 Locations acquired6 — 286 292 Consolidation of existing pawn locations (1)(15)(15)(1)(31)Total locations, end of period1,193 1,832 286 3,311 

(1)Store consolidations, which include certain acquired locations that have been combined with overlapping stores, represent closings for which the Company expects to maintain a significant portion of the customer base in the consolidated location.

POS Payment Solutions

As of September 30, 2025, AFF provided LTO and retail POS payment solutions for consumer goods and services through a network of approximately 15,800 active retail merchant partner locations located in all 50 U.S. states and the District of Columbia. This compares to the active door count of approximately 13,500 locations at September 30, 2024.

CRITICAL ACCOUNTING ESTIMATES 

The financial statements have been prepared in accordance with GAAP. The significant accounting policies and estimates that the Company believes are the most critical to aid in fully understanding and evaluating its reported financial results have been reported in the Company’s 2024 Annual Report on Form 10-K. There have been no changes to the Company’s significant accounting policies for the nine months ended September 30, 2025.

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RESULTS OF OPERATIONS (unaudited)

Operating Results for the Three Months Ended September 30, 2025 Compared to the Three Months Ended September 30, 2024

The following tables present segment information for the three months ended September 30, 2025 compared to the three months ended September 30, 2024 (in thousands). Operating expenses include salary and benefit expenses of pawn store-level employees and certain of AFF’s operations-focused departments, occupancy costs, bank and other payment processing charges, data analytics and decisioning costs, information technology costs, advertising costs, security,