FirstCash Holdings, Inc. (FCFS) Q3 FY2026 earnings

Reported results

• Q3 2026 GAAP net income: $101.152 million, up 22% vs. Q3 2025 ($82.807 million); adjusted non-GAAP net income: $116.181 million, up 15% vs. Q3 2025 ($100.633 million).
• Q3 2026 GAAP diluted EPS: $2.33, up 25% vs. Q3 2025 ($1.86); adjusted non-GAAP diluted EPS: $2.68, up 19% vs. Q3 2025 ($2.26).
• Q3 2026 revenue: $1.101 billion, up 18% vs. Q3 2025 ($935.579 million); pawn segment revenues and income both increased 28% year-over-year.
• Nine-month 2026 GAAP net income: $302.321 million, up 34% vs. nine months 2025 ($226.203 million); adjusted non-GAAP net income: $345.343 million, up 26% vs. nine months 2025 ($273.032 million).
• Trailing twelve months ended September 30, 2026: revenues of $4.3 billion, GAAP net income of $406.493 million, and adjusted non-GAAP EBITDA of $834.896 million.
• Record pawn receivables of $907.670 million as of September 30, 2026, up from $788.130 million one year prior; company operates 3,352 pawn store locations and repurchased $250 million of common stock year-to-date.

Guidance

• U.S. Pawn Q4 2026: low-double-digit growth in pawn receivables and fees expected; retail sales growth of approximately 8% to 10%; store operating expenses projected to grow in mid-single-digit range.
• Latin America Pawn Q4 2026: low- to mid-teens growth in pawn receivables and fees expected; retail sales expected to grow slightly higher; operating expenses expected to increase 10% to 12%.
• U.K. Pawn Q4 2026: pawn receivables and fees expected to grow in mid- to high-single-digit range; retail sales gross profit expected to increase in low-double-digit range; operating expenses expected to increase approximately 10%.
• AFF (Retail POS Payment Solutions) Q4 2026: gross transaction volume for lease and loan originations forecast to decrease in mid-teens percentage range; net revenue expected to decrease 15% to 20%; operating expenses expected to remain at run rate similar to Q3 2026.
• Full year 2026 consolidated effective income tax rate expected to range from 26% to 27% of income before income taxes.
• Corporate administrative expenses Q4 2026 expected to remain at run rate similar to first three quarters of 2026; interest expense Q4 2026 expected to increase approximately 5% over prior-year quarter assuming current interest rates.

Notes

The company declared a quarterly cash dividend of $0.46 per share, a 10% increase over the previous quarterly dividend. Trailing twelve month adjusted free cash flows totaled $393 million. The release contains adjustments for merger and acquisition expenses, amortization of acquired intangible assets, and other non-GAAP reconciliations. Constant currency results are presented for Latin America and U.K. segments to exclude foreign exchange effects. The Ramsdens acquisition in the U.K. is pending anti-trust approval and expected to close by end of 2026.

Price and volatility reaction

The stock moved -14.8% on the print. No front-expiry chain was on file, so there is no straddle expected move. 30-day ATM implied volatility moved -5.1 vol points across the event (constant-maturity series — not the front-week crush).

Source

The figures above come from the earnings release the company filed with the SEC on 2026-10-22 (8-K, Item 2.02). Read the original filing on sec.gov.