FirstCash Holdings 3Q 2026: Revenue $1.1B, Net income $101.15M, EPS $2.33— 10-Q Summary

What happened

FirstCash Holdings reported third-quarter 2026 revenue of $1.1 billion, net income of $101.15 million and diluted earnings per share of $2.33, up 17.7%, 22.2% and 25.3% from the prior-year quarter, helped by higher pawn fees and merchandise and gold scrap sales.

Confirmed

Global impact / market context

Higher revenue and profit mean FirstCash keeps more cash from each sale and loan, which can fund new stores and the planned Ramsdens purchase. Pawn loan balances growing 14% in the U.S. and 19% in Latin America show customer demand for small cash loans remains strong.

Analyst inference

Same-store retail sales rose 7% in the U.S. and 25% in Latin America, while lease-to-own volume fell 15% as financing moved to bank-held off-balance-sheet loans, meaning loans arranged by banks and kept off FirstCash's books. This mix shift changes where revenue and credit risk sit.

Analyst inference

What to watch

1. FirstCash plans to acquire Ramsdens by year-end 2026, subject to completion, and operated 3,352 pawn stores after opening 30 locations across its markets in the first nine months of 2026. Confirmed
2. Watch whether the Ramsdens deal completes on the stated timeline, since the article says it remains subject to completion and gives no further conditions or expected financial contribution. Proposed
3. Watch whether lease-to-own volume keeps falling 15% and more financing moves to bank-held loans, which could reduce FirstCash's reported revenue even if pawn fees keep growing. Analyst inference

Evidence

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