Firstcash Holdings, Inc. · NASDAQ:FCFS
Firstcash — Investor Presentation (November 2026)
32 slides from Firstcash's investor presentation, Nov 2, 2026
Slide 1: Investor Presentation — November 2026
INVESTOR PRESENTATION — NOVEMBER 2026 1 NASDAQ: FCFS EXHIBIT 99.1
Slide 2: Cautionary Statement Regarding Forward-Looking Statements
NASDAQ: FCFS 2 CAUTIONARY STATEMENT REGARDING FORWARD-LOOKING STATEMENTS THIS PRESENTATION CONTAINS FORWARD-LOOKING STATEMENTS ABOUT THE BUSINESS, FINANCIAL CONDITION, OUTLOOK AND PROSPECTS OF FIRSTCASH HOLDINGS, INC. AND ITS WHOLLY OWNED SUBSIDIARIES (TOGETHER, THE “COMPANY”) AND THE COMPANY’S PREV
Slide 3: Q3 2026 Highlights: By the Numbers
NASDAQ: FCFS 3 ‒ REVENUE UP 18% TO PY ‒ GAAP EPS UP 25% TO PY ‒ ADJUSTED EPS UP 19% TO PY ‒ ADJUSTED EBITDA UP 18% TO PY Q3 2026 HIGHLIGHTS ‒ REVENUE $4.3 BILLION ‒ GAAP NET INCOME $406 MILLION ‒ ADJ. NET INCOME $462 MILLION ‒ ADJ. EBITDA $835 MILLION ‒ ADJ. FREE CASH FLOW $393 MILLION BY THE NUMBER
Slide 4: Investment Recap
NASDAQ: FCFS 4 INVESTMENT RECAP GLOBAL GROWTH ENGINES ‒ U.S. CORE STABILITY: STRONG CASH GENERATION WITH ONGOING GROWTH OPPORTUNITIES VIA TARGETED TUCK-IN ACQUISITIONS ‒ LATAM EXPANSION OPPORTUNITIES: SIGNIFICANT RUNWAY DRIVEN BY FAVORABLE DEMOGRAPHICS AND LOW COMPETITION ‒ U.K. MARKET ENTRY: STRATE
Slide 5: Pawn Overview
NASDAQ: FCFS F I RSTCASH I S THE LEADI NG I NTERNATI ONAL OPERATOR O F PAWN STORES WI TH M O RE THAN 3 ,300 RETAI L PAWN LOCATI ONS AND APPROXI M ATELY 23,000 EM PLOYEES I N 29 U.S. STATES , THE D I STRI CT O F C OLUM BI A , FOUR COUNTRI ES I N LATI N AM ERI CA (MEXI CO , G UATEM ALA , C OLOM BI A ,
Slide 6: FirstCash Pawn History
NASDAQ: FCFS 66 123 282 595 906 2,085 2,679 3,026 3,352 1988 1989 – 1996 1997 – 2001 2002 – 2005 2006 - 2010 2011 – 2013 2014 – 2016 2017 – 2019 2020 – 2024 2025 -2026 FIRST ACQUIRED STORE SUITLAND, MD USA FIRST STORE 1988 HALTOM CITY, TX USA 100+ STORES IN MEXICO 500TH LATAM STORE OPENED 500TH DE N
Slide 7: Ten Years Since the Cash America Merger
NASDAQ: FCFS 7 TEN YEARS SINCE FIRST CASH AND CASH AMERICA MERGED TO BECOME FIRSTCASH THE MERGER CREATED THE LEADING PAWN PLATFORM IN THE AMERICAS — THE DECADE SINCE HAS COMPOUNDED IT ‒ SEPTEMBER 2016 COMBINED THE TWO TEXAS-BASED PAWN LEADERS INTO THE LARGEST U.S. & LATAM OPERATOR. ‒ TEN YEARS LATER
Slide 8: Pawn Product Overview
NASDAQ: FCFS 8 PAWN PRODUCT OVERVIEW TYPICAL RETAIL MARGIN: 35% - 45% AVERAGE MONTHLY FEE OF ~$35 IN THE U.S. AND ~$15 IN LATAM CUSTOMER DOES NOT REPAY LOAN OR FEE COLLATERAL FORFEITS CUSTOMER REPAYS LOAN & PAWN SERVICE FEE COLLATERAL RETURNED TO CUSTOMER MAKE DECISION TO SELL OR TAKE A PAWN LOAN SE
Slide 9: Proprietary Data and Scale Provide Competitive Advantage
NASDAQ: FCFS 9 PROPRIETARY DATA AND SCALE PROVIDE COMPETITIVE ADVANTAGE STRATEGIC VALUE: OUR PROPRIETARY DATA ECOSYSTEM TRANSFORMS 14M ANNUAL RETAIL TRANSACTIONS INTO PREDICTABLE RETAIL MARGINS PROPRIETARY INTELLIGENCE ‒ REAL-TIME INVENTORY AND LENDING INTELLIGENCE ‒ ALGORITHMIC VALUATION AND PRICIN
Slide 10: Pawn Has Performed Well Across Economic Cycles
NASDAQ: FCFS 10 PAWN HAS PERFORMED WELL ACROSS ECONOMIC CYCLES 1 CORE PAWN GP FROM LEGACY U.S. AND LATAM FIRST CASH STORES IN OPERATION SINCE 2007 CORE PAWN GP: RETAIL GROSS PROFIT PAWN FEES CUSTOMER DEMAND REFLECTS FAVORABLE DEMOGRAPHIC TRENDS AND AFFORDABILITY CONCERNS PAWN RECEIVABLES ARE FULLY C
Slide 11: Pawnshops Pioneered Circular Economy
NASDAQ: FCFS PAWNSHOPS PIONEERED CIRCULAR ECONOMY ‒ NEIGHBORHOOD-BASED STORES CONTRIBUTE TO THE MODERN “CIRCULAR ECONOMY” EXTENDING LIFE CYCLE OF CONSUMER PRODUCTS – INVENTORY IS PRE-OWNED MERCHANDISE WHICH IS SOURCED AND THEN RECYCLED WITHIN EACH STORE’S GEOGRAPHIC NEIGHBORHOOD SAVING WATER AND CAR
Slide 12: U.S. Pawn Segment
NASDAQ: FCFS 12 U.S. PAWN SEGMENT OVER 1,200 FULL-SERVICE U.S. LOCATIONS 29 STATES AND THE DISTRICT OF COLUMBIA MARKET PRESENCE 31 STORES ADDED IN THE LAST 12 MONTHS OVER 300 STORES ADDED IN THE LAST 10 YEARS MARKET GROWTH AS OF 09/30/2026
Slide 13: U.S. Pawn Market Overview
NASDAQ: FCFS 13 AS OF 09/30/2026 U.S PAWN MARKET OVERVIEW ~80% OF STORES LOCATED IN HIGH-GROWTH SUNBELT MARKETS H IGHLY FRAGMENTED : 12,000 TO 14,000 U.S. PAWNSHOPS PROVIDE LONG-TERM CONSOLIDATION OPPORTUNITIES CUMULATIVE U.S. STORE ADDITIONS (SINCE MERGER WITH CASH AMERICA) 27 27 22 47 30 96 29 25
Slide 14: Projected Demographic Tailwinds (2025-2050)
NASDAQ: FCFS 27%, +8.55M 22%, +5.15M 8%, +3.09M 28%, +2.25M 29%, +1.73M 15%, +1.70M 17%, +1.30M 35%, +1.23M 11%, +1.17M 10%, +0.89M 27%, +0.88M 19%, +0.83M 4%, +0.82M 10%, +0.75M 13%, +0.69M 1. TEXAS (491) 2. FLORIDA (89) 3. CALIFORNIA (0) 4. WASHINGTON (30) 5. COLORADO (22) 6. GEORGIA (50) 7. ARIZO
Slide 15: Substantial Real Estate Portfolio
NASDAQ: FCFS 15 SUBSTANTIAL REAL ESTATE PORTFOLIO 68 90 155 198 251 295 338 395 435 472 $95 $116 $189 $237 $311 $393 $464 $550 $612 $682 2017 2018 2019 2020 2021 2022 2023 2024 2025 YTD 2026 # OF STORES COST COST $ IN MILLIONS TEXAS 55% FLORIDA 7% TENNESSEE 4% GEORGIA 4% LOUSIANA 4% OTHER (20 STATES
Slide 16: Q3 2026 Highlights — U.S. Pawn Segment
NASDAQ: FCFS MERCH. 45% NET REVENUE RESULTS $254 $285 Q3 2025 Q3 2026 PAWN FEES RETAIL GP MERCH. 45% FEES 55% 11% 14% 14% 11% 10% 12% 13% 13% 13% 12% 19% 19% 12% Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026 SAME-STORE RECEIVABLES: 3-YR YOY G
Slide 17: LATAM Pawn Segment
NASDAQ: FCFS STORES IN 4 COUNTRIES: — MEXICO 1,732 — GUATEMALA 77 — EL SALVADOR 18 — COLOMBIA 12 LARGEST PAWN OPERATOR IN MEXICO 17 LATAM PAWN SEGMENT MORE THAN 1,800 LATAM LOCATIONS MARKET PRESENCE AS OF 09/30/2026
Slide 18: Latin America Pawn Segment
NASDAQ: FCFS MEXICO: 1,732 LOCATION COUNT BY COUNTRY: EL SALVADOR: 18 COLOMBIA: 12GUATEMALA : 77 18 LATIN AMERICA PAWN SEGMENT AS OF 09/30/2026 LARGE UNDERSERVED MARKET: CAPTURING HIGH DEMAND FROM LATIN AMERICA’S SIGNIFICANT UNBANKED POPULATION FUTURE PIPELINE: ACTIVELY IDENTIFYING AND EVALUATING NE
Slide 19: Q3 2026 Highlights — LATAM Pawn Segment
NASDAQ: FCFS 48% 35% 17% JEWELRY ELECTRONICS OTHER THIRD QUARTER GROWTH METRICS ($ IN USD) 36% 35% 36% 35% 20% 19% 20% 21% RETAIL SEGMENT PRE-TAX Q3 2026 HIGHLIGHTS — LATAM PAWN SEGMENT $ IN CONSTANT CURRENCY 1 MILLIONS, EXCEPT AS OTHERWISE NOTED PAWN COLLATERAL MARGIN PERFORMANCE AS OF 09/30/2026 1
Slide 20: U.K. Pawn Segment
NASDAQ: FCFS 20 U.K. PAWN SEGMENT AS OF 09/30/2026 STORES IN 3 COUNTRIES: — ENGLAND 264 — SCOTLAND 26 — WALES 8 ENTRY INTO EUROPE BY ACQUIRING 286 LOCATIONS MARKET PRESENCE ADDED 12 NEW STORES THROUGH SEPTEMBER 2026 MARKET GROWTH ADDITIONAL 2026 OPENINGS PLANNED
Slide 21: U.K. Pawn Segment: H&T Acquisition
NASDAQ: FCFSU.K. PAWN SEGMENT H&T ACQUISITION 21 • FOUNDED IN 1897, H&T IS THE U.K.’S LARGEST PAWNBROKER AND A LEADING RETAILER OF HIGH-QUALITY NEW AND PRE-OWNED JEWELRY AND PRE-OWNED WATCHES • 298 STORES ARE CONVENIENTLY LOCATED IN MOST MAJOR TOWNS AND CITIES THROUGHOUT ENGLAND, SCOTLAND, AND WALES
Slide 22: Ramsdens Acquisition — Compelling Benefits of the Transaction
NASDAQ: FCFS 22 RAMSDENS ACQUISITION — COMPELLING BENEFITS OF THE TRANSACTION 1 Amounts presented on an IFRS basis in USD using a GBP/USD average exchange rate over the period of 1.34. 2 Calculated as reported EBITDA less expenses related to depreciation of the right-of-use assets and interest on le
Slide 23: Retail POS Payment Solutions Segment
NASDAQ: FCFS 23 RETAIL POS PAYMENT SOLUTIONS SEGMENT
Slide 24: Q3 2026 Highlights — Retail POS Payment Solutions Segment
NASDAQ: FCFSQ3 2026 HIGHLIGHTS —RETAIL POS PAYMENT SOLUTIONS SEGMENT $ IN MILLIONS 24 POS PAYMENT TRANSACTION ORIGINATIONS BY PRODUCT CATEGORY 61% 52% 48% 37% 23% 19% 15% 20% 19% 24% 25% 28% 2% 7% 12% 18% 22% 5% 5% 8% 10% 11% 10% 19% 21% 18% 17% 23% 21% 0% 25% 50% 75% 100% 2021 2022 2023 2024 2025 Y
Slide 25: Consolidated Financial Highlights
NASDAQ: FCFS 25 CONSOLIDATED FINANCIAL HIGHLIGHTS
Slide 26: Financial Highlights
NASDAQ: FCFS REVENUE $2,729 $3,152 $3,389 $3,661 $4,286 $1,265 $1,507 $1,630 $1,841 $2,151 2022 2023 2024 2025 TTM Q3 2026 REVENUE NET REVENUE FINANCIAL HIGHLIGHTS $ IN MILLIONS, EXCEPT PER SHARE AMOUNTS 1 NON-GAAP FINANCIAL MEASURE. SEE RECONCILIATION OF NON-GAAP FINANCIAL MEASURES ELSEWHERE IN THI
Slide 27: Debt Maturity Schedule and Credit Facility Upsize
NASDAQ: FCFS $0 $0 $500 $0 $0 $550 $500 $750 $169 $1,055 $0 $400 $800 $1,200 2026 2027 2028 2029 2030 2031 2032 2033 2034 DEBT MATURITY SCHEDULE 2028 SR. NOTES 2030 SR. NOTES 2032 SR. NOTES 2034 SR. NOTES RCF BALANCE AS OF 09/30/26 27 FIRSTCASH UPSIZES CREDIT FACILITY TO $1.1 BILLION – EXTENDS MATUR
Slide 28: Share Repurchase and Dividend History
NASDAQ: FCFS RECENT SHARE REPURCHASE HISTORY SINCE 2021 $158 $114 $85 $115 $324 $50 $207 $322 $407 $522 $845 688 2,892 4,140 4,861 5,773 7,383 0 5 , 0 0 0 1 0 , 0 0 0 1 5 , 0 0 0 2 0 , 0 0 0 $ 0 $ 1 0 0 $ 2 0 0 $ 3 0 0 $ 4 0 0 $ 5 0 0 $ 6 0 0 $ 7 0 0 $ 8 0 0 $ 9 0 0 $ 1 , 0 0 0 2021 2022 2023 2024 2
Slide 29: Growth Investments and Shareholder Payouts Since 2016
NASDAQ: FCFS THE COMPANY’S STRONG BALANCE SHEET AND CASH FLOW SUPPORT SIMULTANEOUS GROWTH IN THE STORE BASE, EARNING ASSETS, AND SHAREHOLDER RETURNS GROWTH INVESTMENTS & SHAREHOLDER PAYOUTS SINCE 2016 — $ IN MILLIONS 29 $0 $1,600 $3,200 $4,800 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 YTD Q3
Slide 30: Non-GAAP Financial Measures
NASDAQ: FCFS THE COMPANY USES CERTAIN FINANCIAL CALCULATIONS SUCH AS ADJUSTED NET INCOME, ADJUSTED DILUTED EARNINGS PER SHARE, EBITDA, ADJUSTED EBITDA, FREE CASH FLOW, ADJUSTED FREE CASH FLOW AND CONSTANT CURRENCY RESULTS AS FACTORS IN THE MEASUREMENT AND EVALUATION OF THE COMPANY’S OPERATING PERFOR
Slide 31: Reconciliations of Non-GAAP Financial Measures to GAAP
NASDAQ: FCFS 31 RECONCILIATIONS OF NON-GAAP FINANCIAL MEASURES TO GAAP FINANCIAL MEASURES $ IN THOUSANDS , EXCEPT PER SHARE AMOUNTS PER SHARE Y/E Y/E Y/E Y/E TTM Y/E Y/E Y/E Y/E YTD Q3 2022 2023 2024 2025 Q3 2026 2022 2023 2024 2025 2026 NET INCOME AND DILUTED EARNINGS PER SHARE, AS REPORTED $253,49
Slide 32: Investor Relations
INVESTOR RELATIONS — [email protected] — INVESTORS.FIRSTCASH.COM — 817-258-2650 NASDAQ: FCFS 32 CONNECT WITH US: GAR JACKSON (GLOBAL IR GROUP) — [email protected] — 817-886-6998
FirstCash Holdings — Investor Presentation (November 2026) on 6ix