FirstCash 2025 Q3 Earnings Net Income Surges 27.7% Amid Revenue Beat

FirstCash (FCFS) delivered a strong Q3 2025 performance, with revenue and EPS both exceeding expectations. , driven by robust pawn loan fees and strategic acquisitions. No guidance adjustments were disclosed, but the results align with long-term operational resilience.

Revenue

, with retail merchandise sales and pawn loan fees as key contributors. Retail merchandise sales accounted for $410.97 million, . , . Wholesale scrap jewelry sales contributed $86.71 million, , completing the diversified revenue mix.

Earnings/Net Income

, . The earnings growth reflects strong operational execution and sustained profitability over two decades.

Price Action

FCFS shares rose 0.21% on the latest trading day, gained 5.37% over the past week, and climbed 6.54% month-to-date.

Post-Earnings Price Action Review

, 2025, but recovered a 12.3% gain over 30 days, driven by a $150 million buyback plan, , and the U.K. H&T acquisition. Despite short-term volatility, .

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CEO Commentary

CEO highlighted sustained operational resilience and strategic growth in the Q3 earnings call. “Our results underscore the strength of our diversified business model and disciplined execution,” he stated. The CEO emphasized pawn demand, particularly in the U.S. and Latin America, and reiterated confidence in the U.K. acquisition’s integration.

Guidance

No explicit forward-looking guidance was provided during the call. However, the CEO noted continued focus on market expansion and cost efficiency, aligning with historical performance trends.

Additional News

1. U.K. Acquisition: FirstCash finalized the H&T pawn store acquisition, .


2. Share Buyback: A $150 million buyback plan was announced, signaling shareholder value prioritization.


3. Dividend Increase: The company declared a $0.42 quarterly dividend, reflecting confidence in stable cash flows.

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