Monitor for continued same-store pawn receivables growth and margin expansion in upcoming quarters; the raised guidance suggests strong underlying demand. The improved leverage ratio supports ongoing shareholder returns via dividends and buybacks.
Price Chart
Executive Summary
FirstCash reported record Q1 2026 results with revenue up 26% and EPS up 30% YoY, driven by strong same-store pawn receivables growth across all regions. The company raised full-year 2026 guidance for pawn segment revenues and expects mid-teens growth in U.S. pawn fees and high-teen growth in Latin America, signaling continued momentum. Earnings beat consensus by 12.4%.
Key Financial Metrics
Key Facts
- Q1 2026 revenue: $1.052B (26% YoY growth), EPS: $2.69 (30% YoY growth)
- Same-store pawn receivables up 19% in U.S., 30% in Latin America, 29% in U.K. (all local currency)
- Raised 2026 guidance: mid-teen U.S. pawn fee growth, high-teen Latin America pawn fee growth, $125M-$135M U.K. segment income
- Trailing twelve-month net debt to adjusted EBITDA ratio improved to 2.6x
Financial Impact
Revenue $1.052B (+26% YoY), EPS $2.69 (+30% YoY), adjusted EBITDA $211M (+29% YoY)
Risk Factors
- AFF segment pre-tax income declined 50% YoY due to run-off from bankrupt merchant partners
- Interest expense expected to increase 10-15% in 2026 due to floating rate debt
Market Snapshot
Investment Themes
Documents Analyzed
This report is based on 6 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 8-K Filing (Primary) | 0000840489-26-000047 |
| Document: fcfs-20260423.htm | 0000840489-26-000047 |
| Document: 0000840489-26-000047-index-headers.html | 0000840489-26-000047 |
| Document: 0000840489-26-000047-index.html | 0000840489-26-000047 |
| Document: 0000840489-26-000047.txt | 0000840489-26-000047 |
| 8-K Data (Synthetic) | 0000840489-26-000047 |
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Aug 31, 2026 4w ago | 8-K | $214.47 $212.82 | ▼ −0.77% | ▼ −0.58% | $210.36 (−1.92%) |
Aug 18, 2026 6w ago | Insider Cluster | $211.98 $218.97 | ▲ +3.30% | ▲ +5.25% | $210.36 (−0.76%) |
Jul 23, 2026 10w ago | 8-K | $197.41 $205.91 | ▲ +4.31% | ▲ +1.00% | $210.36 (+6.56%) |
Jul 23, 2026 10w ago | Press Release | $197.41 $205.91 | ▲ +4.31% | ▲ +1.00% | $210.36 (+6.56%) |
Jul 22, 2026 10w ago | 8-K | $208.74 $211.98 | ▲ +1.55% | ▼ −1.34% | $210.36 (+0.78%) |
Jul 16, 2026 11w ago | 8-K | $216.38 $210.82 | ▼ −2.57% | ▼ −6.19% | $210.36 (−2.78%) |
Jun 23, 2026 14w ago | Press Release | $223.51 $209.66 | ▼ −6.20% | ▼ −7.36% | $210.36 (−5.88%) |
Apr 27, 2026 22w ago | 8-K / PRESS-RELEASE | $217.35 $232.05 | ▲ +6.76% | ▲ +1.81% | $210.36 (−3.22%) |
Apr 23, 2026 23w ago | 8-K | $219.00 $226.27 | ▲ +3.32% | ▼ −0.71% | $210.36 (−3.95%) |
Apr 23, 2026 23w ago | Press Release | $212.33 $226.57 | ▲ +6.71% | ▲ +2.07% | $210.36 (−0.93%) |
US Market Status
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