Company: FCFS
Filing Date: 2025-11-03
Form Type: 10-Q
Source: 0000840489-25-000120
Chunk: 178

Company: FirstCash Holdings, Inc.
Filing Date: 2025-11-03
Form: 10-Q
Item: Part I, Item 2
Chunk 178
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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, 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