Company: FCFS
Filing Date: 2025-11-03
Form Type: 10-Q
Source: 0000840489-25-000120
Chunk: 139

Company: FirstCash Holdings, Inc.
Filing Date: 2025-11-03
Form: 10-Q
Item: Part I, Item 8
Chunk 139
---
 rate fluctuations for purposes of evaluating period-over-period comparisons. 

46

The following table presents segment information for the Latin America pawn segment for the three and nine month periods ended September 30, 2025 using the exchange rate from the prior-year comparable periods (in thousands):

Three Months Ended September 30, 2025Nine Months Ended September 30, 2025CurrencyConstantCurrencyConstantU.S.ExchangeCurrencyU.S.ExchangeCurrencyDollarRateBasisDollarRateBasis BasisFluctuations(Non-GAAP)BasisFluctuations(Non-GAAP)Revenue:Retail merchandise sales$144,644 $(2,064)$142,580 $401,132 $38,665 $439,797 Pawn loan fees67,199 (957)66,242 180,996 17,489 198,485 Wholesale scrap jewelry sales17,831 — 17,831 37,580 — 37,580 Total revenue229,674 (3,021)226,653 619,708 56,154 675,862 Cost of revenue:   Cost of retail merchandise sold92,931 (1,324)91,607 259,249 24,819 284,068 Cost of wholesale scrap jewelry sold15,000 (213)14,787 31,770 3,127 34,897 Total cost of revenue107,931 (1,537)106,394 291,019 27,946 318,965 Net revenue121,743 (1,484)120,259 328,689 28,208 356,897 Segment expenses:   Operating expenses70,327 (978)69,349 196,158 18,334 214,492 Depreciation and amortization4,443 (61)4,382 13,173 1,190 14,363 Total segment expenses74,770 (1,039)73,731 209,331 19,524 228,855 Segment pre-tax operating income$46,973 $(445)$46,528 $119,358 $8,684 $128,042 

The following table presents earning assets for the Latin America pawn segment as of September 30, 2025 using the exchange rate from the prior-year comparable period (in thousands):

As of September 30