第一富金融服务 2025年季度报告

FORM10-Q 87-3920732(I.R.S. Employer Identification No.) 1600 West 7th Street,Fort Worth,Texas76102(Address of principal executive offices) (Zip code) (817)335-1100(Registrant’s telephone number, including area code) Not Applicable(Former name, former address and former fiscal year, if changed since last report) Securities registered pursuant to Section 12(b) of the Act: Title of each classTrading Symbol(s)Name of each exchange on which registeredCommon Stock, par value $.01 per shareFCFSThe Nasdaq Stock Market Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the SecuritiesExchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submittedpursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the Table of Contents Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smallerreporting company, or an emerging growth company. See definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting ☒Large accelerated filer☐Non-accelerated filer ☐Accelerated filer☐Smaller reporting company☐Emerging growth company If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period forcomplying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Securities Exchange Act Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Securities Exchange Act of 1934).☐Yes☒No As of April23, 2025, there were44,364,566shares of common stock outstanding. INDEX Table of Contents CAUTIONARY STATEMENT REGARDING RISKS AND UNCERTAINTIES THAT MAY AFFECT FUTURE RESULTS Forward-Looking Information This quarterly report contains forward-looking statements about the business, financial condition, outlook and prospects of FirstCashHoldings, Inc. and its wholly owned subsidiaries (together, the “Company”). Forward-looking statements, as that term is defined in thePrivate Securities Litigation Reform Act of 1995, can be identified by the use of forward-looking terminology such as “believes,”“projects,” “expects,” “may,” “estimates,” “should,” “plans,” “targets,” “intends,” “could,” “would,” “anticipates,” “potential,”“confident,” “optimistic” or the negative thereof, or other variations thereon, or comparable terminology, or by discussions of strategy, While the Company believes the expectations reflected in forward-looking statements are reasonable, there can be no assurances suchexpectations will prove to be accurate. Security holders are cautioned that such forward-looking statements involve risks anduncertainties. Certain factors may cause results to differ materially from those anticipated by the forward-looking statements made inthis quarterly report. Such factors and risks may include, without limitation, risks related to the extensive regulatory environment inwhich the Company operates, including uncertainty involving the current regulatory environment under the current presidentialadministration; risks associated with the legal and regulatory proceedings that the Company is a party to or may become a party to inthe future, including the Consumer Financial Protection Bureau (the “CFPB”) lawsuit filed against the Company; risks related to theCompany’s acquisitions, including the failure of the Company’s acquisitions to deliver the estimated value and benefits expected bythe Company and the ability of the Company to continue to identify and consummate acquisitions on favorable terms, if at all;potential changes in consumer behavior and shopping patterns which could impact demand for the Company’s pawn loan, retail, lease-to-own (“LTO”) and retail finance products; labor shortages and increased labor costs; a deterioration in the economic conditions inthe United States and Latin America, including as a result of inflation, elevated interest rates and trade policy, which potentially couldhave an impact on discretionary consumer spending and demand for the Company’s products; currency fluctuations, primarily FIRSTCASH HOLDINGS, INC.CONSOLIDATED BALANCE SHEETS(unaudited, in thousands) FIRSTCASH HOLDINGS, INC.CONSOLIDATED STATEMENTS OF INCOME(unaudited, in thousands, except per share amounts) FIRSTCASH HOLDINGS, INC.CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS’ EQUITY(unaudited, in thousands, except per share amounts) FIRSTCASH HOLDINGS, INC.CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS’ EQUITY Effect of exchange rates on cash The accompanying notes are an integral part of these consolidated financial statements. Table of Contents FIRSTCASH HO