FirstCash reported record third‑quarter 2025 results, with revenue of $935.6 million, up 11.7% year‑over‑year from $837.32 million in Q3 2024. Adjusted earnings per share reached $2.26, surpassing the consensus estimate of $1.91, while GAAP diluted earnings per share were $1.86. Net income rose 28% to $82.8 million from $64.83 million in the prior year.
The company increased its quarterly cash dividend to $0.42 per share, an 11% rise, and authorized a new $150 million share‑repurchase program to return value to shareholders.
The results include contributions from the acquisition of H&T Group plc, completed on August 14 2025. The UK pawn segment added to revenue and earnings, expanding FirstCash’s store count to over 3,300 and marking its first entry into the European market.
Segment performance was strong across the board: U.S. pawn revenue grew 13% YoY, Latin America pawn revenue grew 18%, and the UK pawn segment contributed roughly 5% of total revenue. The American First Finance payment‑solutions segment grew 12% YoY, driven by increased same‑store pawn receivables and technology‑enabled payment services.
Management raised full‑year revenue growth guidance for the U.S. and Latin America, citing continued demand and the strategic value of the H&T acquisition. Robust cash flow and a low leverage profile support ongoing growth initiatives and shareholder‑return programs.
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