Watch for Ramsdens acquisition closing (anti-trust approval pending) which would add ~175 UK locations and push store count above 3,500. Monitor AFF segment for stabilization in furniture retail and charge-off trends. The expanded credit facility provides capacity for further M&A and buybacks.
Price Chart
Executive Summary
FirstCash reported record Q3 2026 results with total revenue of $1.10B (+18% YoY) and GAAP EPS of $2.33 (+25% YoY). Pawn segment revenue grew 28% YoY, driven by strong demand across all geographies. The company raised its quarterly dividend 10% to $0.46/share and repurchased $123M in stock during the quarter. The AFF segment continued to drag, with net revenue down 20% YoY due to merchant partner bankruptcies and furniture industry weakness. Ramsdens acquisition received shareholder and FCA approval, pending anti-trust clearance.
Key Financial Metrics
Key Facts
- Q3 2026 GAAP EPS $2.33 vs $1.86 YoY (+25%), adjusted EPS $2.68 vs $2.26 YoY (+19%)
- Total revenue $1.10B vs $935.6M YoY (+18%), pawn segment revenue +28% YoY
- Record pawn receivables of $908M, up 15% YoY; 13th consecutive quarter of double-digit same-store growth
- Quarterly dividend increased 10% to $0.46/share; $123M in share repurchases during Q3
- Ramsdens acquisition approved by shareholders and UK FCA, targeting close by end of 2026
- Credit facility expanded from $700M to $1.055B, extended to 2031; net debt/EBITDA at 2.7x
- AFF segment net revenue declined 20% YoY; gross transaction volume down 15%
Financial Impact
Q3 revenue $1.10B, GAAP net income $101M, adjusted EBITDA $213M, operating cash flow $679M TTM
Risk Factors
- AFF segment continues to decline with furniture industry weakness and merchant bankruptcies
- Ramsdens acquisition may face delays or fail to close
- Currency fluctuations in Mexico peso and British pound could impact reported results
- Integration of recent large acquisitions (HT, Ramsdens) may take longer than expected
Investment Themes
Documents Analyzed
This report is based on 6 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 8-K Filing (Primary) | 0000840489-26-000097 |
| Document: fcfs-20261022.htm | 0000840489-26-000097 |
| Document: 0000840489-26-000097-index-headers.html | 0000840489-26-000097 |
| Document: 0000840489-26-000097-index.html | 0000840489-26-000097 |
| Document: 0000840489-26-000097.txt | 0000840489-26-000097 |
| 8-K Data (Synthetic) | 0000840489-26-000097 |
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Oct 27, 2026 today | SC 13G/A | $175.27 | awaiting T+20 | awaiting T+20 | $185.35 (+5.75%) |
Oct 22, 2026 5d ago | 8-K | $184.78 | awaiting T+20 | awaiting T+20 | $185.35 (+0.31%) |
Aug 31, 2026 8w ago | 8-K | $214.47 $212.82 | ▼ −0.77% | ▼ −0.58% | $185.35 (−13.58%) |
Aug 18, 2026 10w ago | Insider Cluster | $211.98 $218.97 | ▲ +3.30% | ▲ +5.25% | $185.35 (−12.56%) |
Jul 23, 2026 13w ago | 8-K | $197.41 $205.91 | ▲ +4.31% | ▲ +1.00% | $185.35 (−6.11%) |
Jul 23, 2026 13w ago | Press Release | $197.41 $205.91 | ▲ +4.31% | ▲ +1.00% | $185.35 (−6.11%) |
Jul 22, 2026 13w ago | 8-K | $208.74 $211.98 | ▲ +1.55% | ▼ −1.34% | $185.35 (−11.21%) |
Jul 16, 2026 14w ago | 8-K | $216.38 $210.82 | ▼ −2.57% | ▼ −6.19% | $185.35 (−14.34%) |
Jun 23, 2026 18w ago | Press Release | $223.51 $209.66 | ▼ −6.20% | ▼ −7.36% | $185.35 (−17.07%) |
Apr 27, 2026 26w ago | 8-K / PRESS-RELEASE | $217.35 $232.05 | ▲ +6.76% | ▲ +1.81% | $185.35 (−14.72%) |
US Market Status
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