FirstCash Reports Record Third Quarter Operating Results; Revenues and Earnings from Pawn Segments Grow 28%; Declares 10% Increase in Quarterly Cash Dividend
FirstCash posted record Q3 2026 results with revenue of $1.1 billion, up 18% YoY, and GAAP diluted EPS of $2.33, up 25%; adjusted EPS was $2.68, up 19%. Pawn segments drove growth with revenue up 28% and record pawn receivables of $908 million; LatAm pawn revenue rose 35% in USD terms. The board raised the quarterly dividend 10% to $0.46 per share, and the company repurchased $123 million of stock in Q3, with $50 million left on the July 2026 authorization. The Ramsdens acquisition cleared shareholder and U.K.
Key figures
- Eps
- 2.33
- Revenue
- 1101167000
- Guidance
- Q4 2026: continued double-digit revenue growth and pawn margin expansion; U.S. pawn receivables/fees low-double-digit growth, retail sales +8-10%; AFF gross transaction volumes down mid-teens %, AFF net revenue down 15-20%; FY26 effective tax rate 26-27%
- Revenue Yoy
- 18%
- Q3 buybacks
- 123000000
- Store count
- 3352
- Ttm revenue
- 4300000000
- Adjusted eps
- 2.68
- Adjusted roe
- 20%
- Ytd buybacks
- 250000000
- Ttm net income
- 406000000
- Adjusted ebitda
- 213008000
- Gaap net income
- 101152000
- Adjusted eps yoy
- 19%
- Pawn receivables
- 907670000
- Pawn revenue yoy
- 28%
- Ttm adjusted fcf
- 393000000
- Dividend increase
- 10%
- Dividend per share
- 0.46
- Adjusted ebitda yoy
- 18%
- Adjusted net income
- 116181000
- Ttm adjusted ebitda
- 835000000
- Ttm operating cash flow
- 679000000
- Net debt to adjusted ebitda
- 2.6x
AI analysis
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