FirstCash Holdings, Inc.

FirstCash Holdings, Inc. is a leading operator of pawn stores in the U.S., Latin America, and the U.K., and also operates a retail point-of-sale (POS) payment solutions business. The company's operations are divided into four reportable segments. The U.S. pawn segment includes pawn operations in 29 U.S. states and the District of Columbia. The Latin America pawn segment covers pawn operations in Mexico, Guatemala, El Salvador, and Colombia. The U.K. pawn segment encompasses pawn operations in England, Scotland, and Wales. The retail POS payment solutions segment consists of American First Finance, LLC (AFF), which offers products in the U.S. On August 14, 2025, FirstCash completed the acquisition of H&T, a leading pawn operator in the United Kingdom with 286 store locations, and its financial results were included in the company's consolidated financial results from that date. As of December 31, 2025, FirstCash operated over 3,300 pawnshops. These stores provide non-recourse pawn loans and buy merchandise directly from customers, helping them with small, short-term cash needs. Personal property like jewelry, electronics, tools, appliances, sporting goods, and musical instruments is used as collateral for pawn loans. Pawn stores also generate retail sales from merchandise acquired through collateral forfeitures and over-the-counter purchases. AFF, the retail POS payment solutions business, focuses on lease-to-own (LTO) products and other retail financing payment options through a network of traditional and e-commerce merchant partners. AFF's solutions facilitate payments for consumer goods and services offered by its retail partners.