Company: FCFS
Filing Date: 2025-11-03
Form Type: 10-Q
Source: 0000840489-25-000120
Chunk: 39

Company: FirstCash Holdings, Inc.
Filing Date: 2025-11-03
Form: 10-Q
Item: Part I, Item 1
Chunk 39
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 affected borrowers and a civil monetary penalty. On July 11, 2025, with the District Court’s approval and without admitting or denying the allegations, the Company and the CFPB agreed to settle and resolve all matters in dispute. As part of the settlement, the Company has agreed to offer a new pawn lending product for covered members of the U.S. military and their covered dependents. Additionally, the Company will pay consumer redress in fees or principal returned to affected customers, which is estimated by the Company to be no more than $7.0 million. The Company paid a $4.0 million fine to the CFPB victims' relief fund during the three months ended September 30, 2025. Gold Forward Sales ContractsAs of September 30, 2025, the Company had contractual commitments to deliver a total of 69,750 gold ounces between October 2025 and September 2027 at a weighted-average price of $3,071 per ounce. The ounces required to be delivered over this time period are less than the historical volume of scrap gold normally produced, and the Company expects to have the required gold ounces to meet the commitments as they come due.

Note 10 - Segment Information 

The Company organizes its operations into four reportable segments as follows:•U.S. pawn•Latin America pawn•U.K. pawn•Retail POS payment solutions (American First Finance or “AFF”)Corporate expenses and income, which include administrative expenses, corporate depreciation and amortization, interest expense, interest income, (gain) loss on foreign exchange, merger and acquisition expenses, and other income, net, are presented on a consolidated basis and are not allocated between the segments. Intersegment transactions relate to AFF’s LTO payment solution product offered in U.S. pawn stores, which are eliminated from consolidated totals.

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The following tables present reportable segment information for the three and nine month periods ended September 30, 2025 and 2024 as well as certain segment assets (in thousands):Three Months Ended September 30, 2025 U.S.PawnLatinAmericaPawnU.K.PawnRetail POSPaymentSolutionsCorporate/Intersegment EliminationsConsolidatedRevenue:   Retail merchandise sales$252,963 $144,644 $14,066 $— $(705)(1)$410,968 Pawn loan fees138,867 67,199 15,022 — — 221,088 Leased merchandise income—