Company: FCFS
Filing Date: 2025-11-03
Form Type: 10-Q
Source: 0000840489-25-000120
Chunk: 111

Company: FirstCash Holdings, Inc.
Filing Date: 2025-11-03
Form: 10-Q
Item: Part I, Item 8
Chunk 111
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,133 (994)432,714 Net revenue233,756 106,209 — 64,625 17 404,607 Expenses and other income:    Operating expenses128,104 63,062 — 33,760 — 224,926 Administrative expenses— — — — 42,237 42,237 Depreciation and amortization7,365 4,676 — 679 13,213 25,933 Interest expense— — — — 27,424 27,424 Interest income— — — — (403)(403)Loss on foreign exchange— — — — 882 882 Merger and acquisition expenses— — — — 225 225 Other income, net— — — — (1,797)(1,797)Total expenses and other income135,469 67,738 — 34,439 81,781 319,427 Income (loss) before income taxes$98,287 $38,471 $— $30,186 $(81,764)$85,180 

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

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The following tables detail earning assets, which consist of pawn loans and inventories as well as other earning asset metrics of the Company’s pawn segments, as of September 30, 2025 compared to September 30, 2024 (dollars in thousands, except as otherwise noted): 

As of September 30, 2025U.S.PawnLatin AmericaPawnU.K.PawnTotalPawnEarning assets:Pawn loans$426,288 $173,203 $188,639 $788,130 Inventories266,452 124,081 65,740 456,273 $692,740 $297,284 $254,379 $1,244,403 Average outstanding pawn loan amount (in ones)$290 $100 $768 $229 Composition of pawn collateral:Jewelry72 %42 %98 %72 %General merchandise28 %58 %2 %28 % 100 %100 %100 %100 %Composition of inventories:Jewelry59