FCFS at a glance
FirstCash Holdings, Inc. (FCFS, SEC CIK 840489) filed its latest 10-K annual report on February 9, 2026, a 10-Q quarterly report on July 27, 2026, an 8-K current report on August 31, 2026 and Form 4 insider filings as recently as September 3, 2026. SignalX summarizes each filing with AI and tracks the company's insider trades and institutional holders.
- For the fiscal year ended December 31, 2025 (FY2025), FirstCash Holdings, Inc. (FCFS) reported revenue of $1.7 billion (up 10.7% from FY2024) and net income of $330.4 million. Diluted EPS was $7.42.
- As of June 30, 2026, 36 institutional investment managers tracked by SignalX reported holding FirstCash Holdings, Inc. (FCFS) shares worth $4.6 billion in 13F-HR filings.
- The most recent insider open-market sale reported on Form 4 was by GRAVES JAMES H on September 3, 2026 of 3,750 shares at $221.20 per share.
- In the last 90 days, FCFS insiders reported 0 open-market purchases ($0) and 6 open-market sales ($3.1M) on Form 4, a net sale of $3.1M.
Source: SEC EDGAR (XBRL financial data, 13F-HR and Form 4 filings).
- Revenue · FY2025
- $1.7B
- +10.7% vs prior year
- Insiders · 90 days
- 0 buys · 6 sells
- Net −$3.1M
- 13F holders
- 36 funds
- $4.6B · −1 vs prior quarter
- Latest 8-K
- Aug 31, 2026
- Item 1.01 · Item 7.01
AI 10-K Annual Report Analysis
Latest 10-K, fiscal year ended Dec 31, 2025
Business Overview
- Core business model: Pawn lending, retail merchandise sales, and finance receivables with rapid liquidation of gold jewelry inventory (62% of total inventory)
- New off-balance sheet (OBS) loan servicing program started Q3 2025, $28.1M loans originated, with $13.8M liability for credit risk
- Shift to increased acquisitions: $475.1M spent on pawn store acquisitions in 2025 vs. $76.0M in 2024
- Operating cash flow grew 9% to $585.9M, adjusted net income rose to $390.1M with adjusted EPS $8.76 in 2025
- Noteworthy: Cost of discretionary real estate purchases decreased ($61.9M vs $86.1M in 2024) despite overall increased investing activities
Risk Factors
- Regulatory compliance risk related to cybersecurity oversight by Board's Audit Committee following NIST, ISO, COBIT, and ITIL standards
- Operational risk from managing sensitive customer information across pawn stores and payment solutions increasing cybersecurity threat exposure
- Key-person dependency on CIO and SIRT for cybersecurity defense, risk assessment, and reporting to the Audit Committee
- Potential legal risk due to ongoing monitoring of compliance with cybersecurity-related laws and regulatory requirements by Audit Committee
Management Discussion & Analysis
- $613.5 million outstanding on revolving credit lines at variable rates (SOFR, TIIE, SONIA)
- 1% interest rate rise would increase annual interest expense by $6.1 million in 2025
- Fixed rate debt principal $1,610.5 million, fair value $1,624.5 million as of Dec 31, 2025
- Forex exposure: Peso/USD rate 19.2 in 2025 vs 18.3 in 2024; 1-point change affects earnings by $4.4 million
- No specific forward guidance or risk commentary beyond FX and interest rate risks
AI summary of the FCFS 10-K filed . Generated from the filing text; verify against the original.View on SEC EDGARHow to read a 10-K
AI 10-Q Quarterly Report Analysis
Latest 10-Q, quarter ended Jun 30, 2026
Management Discussion & Analysis
- MD&A excerpt incomplete; no quarterly revenue, profitability, segment, cash flow, or outlook figures provided
Risk Factors
- No material changes to risk factors disclosed since the 2025 Annual Report on Form 10-K
- Governmental regulation remains a key compliance risk, with updates in Part I, Item 2
- Liquidity and operating risks carried forward through Management’s Discussion and Analysis disclosures
AI summary of the FCFS 10-Q filed . Generated from the filing text; verify against the original.View on SEC EDGAR10-K vs 10-Q vs 8-K
AI 8-K Current Report Analysis
The most recent material events, by 8-K item
Item 1.01: Entry into a Material Definitive Agreement
- Credit commitment increased from $700 million to $1.055 billion, expanding liquidity capacity
- Facility maturity extended from August 8, 2029 to August 27, 2031
Item 7.01: Regulation FD Disclosure
- Standard Regulation FD safe-h harbor language limiting liability and incorporation by reference
- No substantive business, financial, or operational disclosure in the provided text
Item EX-99.1: Item EX-99.1
- Revolving unsecured facility increased from $700 million to $1.055 billion, expanding acquisition and liquidity capacity
- Maturity extended from August 2029 to August 2031, providing five years of committed funding
Item 7.01: Regulation FD Disclosure
- Updated investor presentation furnished as Exhibit 99.1 and available at investors.firstcash.com
- Presentation may contain current strategic, operating, and financial information relevant to FCFS investors
Item 2.02: Results of Operations and Financial Condition
- Q2 and six-month results ended June 30, 2026 announced, with detailed financials in Exhibit 99.1
- Third-quarter cash dividend declared at $0.42 per common share
Item 8.01: Other Events
- $150 million share repurchase authorization, signaling management views current valuation and liquidity as supportive of capital returns
- Purchases may occur through open-market, block, private transactions, or Rule 10b5-1 plans
Item EX-99.1: Item EX-99.1
- Q2 revenue reached $1.075B, up 29%, while GAAP EPS rose 58% to $2.12, signaling broad operating momentum
- Pawn receivables increased 63% overall and 22% same-store, supporting management’s raised 2026 pawn revenue outlook
AI summaries of FCFS 8-K current reports filed with the SEC. What 8-K item codes mean
SignalX for FCFS
Don't miss the next FCFS filing
- Alerts as it files. A push when FCFS files an 8-K or an insider trades.
- Fund moves. Which tracked funds opened, added or cut FCFS, by share count.
- Ask anything. An AI agent that reads every FCFS filing and answers with sources.
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Recent Insider Transactions (Form 4)
Latest reported trades by officers, directors and 10% owners
| Insider | Type | Date | Shares | Price |
|---|---|---|---|---|
| GRAVES JAMES H | G | Sep 3, 2026 | 750 | - |
| GRAVES JAMES H | Sell | Sep 3, 2026 | 3,750 | $221.20 |
| Hambleton Howard F | Sell | Aug 18, 2026 | 2,000 | $212.98 |
| ORR R DOUGLAS | Sell | Aug 17, 2026 | 1,000 | $215.97 |
| ORR R DOUGLAS | Sell | Aug 17, 2026 | 1,000 | $216.04 |
| ORR R DOUGLAS | Sell | Aug 17, 2026 | 1,000 | $215.98 |
| Stuart Thomas Brent | Sell | Aug 17, 2026 | 5,348 | $214.63 |
| Ramos Raul | Sell | Jun 5, 2026 | 6,835 | $225.23 |
Financial SummaryXBRL
| Metric | FY2023 | FY2024 | FY2025 |
|---|---|---|---|
| Profitability | |||
| Revenue | $1.4B | $1.5B | $1.7B |
| Gross Profit | - | $1.6B | $1.8B |
| Net Income | $219.3M | $258.8M | $330.4M |
| Gross Margin | - | 108.1% | 110.3% |
| Net Margin | 15.9% | 17.2% | 19.8% |
| Balance Sheet | |||
| Total Assets | $4.3B | $4.5B | $5.3B |
| Equity | $2.0B | $2.1B | $2.3B |
| ROE | 11.0% | 12.6% | 14.5% |
| Per Share | |||
| EPS | $4.80 | $5.73 | $7.42 |
| Cash Flow | |||
| Operating CF | $416.1M | $540.0M | $585.9M |
Source: XBRL data in FirstCash Holdings, Inc. (FCFS)'s 10-K filings on SEC EDGAR, in USD. Compare across companies →
13F Fund Holdings: Quarterly Trend
Latest: Q2 2026Aggregate FCFS share value held by 13F filers tracked by SignalX, by quarter.
Quarterly totals table
| Quarter | Funds | Total value |
|---|---|---|
| Q2 2026 | 36 | $4.63B |
| Q1 2026 | 37 | $4.01B |
| Q4 2025 | 34 | $3.37B |
| Q3 2025 | 33 | $3.48B |
| Q2 2025 | 32 | $2.90B |
| Q1 2025 | 28 | $2.15B |
| Q4 2024 | 24 | $1.58B |
| Q3 2024 | 23 | $528.6M |
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- Millennium Management−6.8K
- Mangrove Partners−1.2K
Source: 13F-HR filings on SEC EDGAR (aggregated from 247 fund-quarter rows). Reflects only 13F filers tracked by SignalX, not the full institutional ownership universe. How 13F filings work
FCFS filing archive
AI analysis pages for each 10-K, 10-Q and 8-K
10-K annual reports
10-Q quarterly reports
Latest 2026 SEC Filings: 10-K, 10-Q, 8-K & Form 4
| Form | Filing date | Period | Analysis | SEC |
|---|---|---|---|---|
| 4 | Sep 3, 2026 | - | - | - |
| 8-K | Aug 31, 2026 | - | Analysis | - |
| 4 | Aug 18, 2026 | - | - | - |
| 4 | Aug 18, 2026 | - | - | - |
| 4 | Aug 18, 2026 | - | - | - |
| 8-K | Aug 6, 2026 | - | Analysis | - |
| 10-Q | Jul 27, 2026 | Jun 30, 2026 | Analysis | |
| 8-K | Jul 23, 2026 | - | Analysis | - |
| 8-K | Jul 22, 2026 | - | Analysis | - |
| 8-K | Jul 16, 2026 | - | Analysis | - |
| 8-K | Jun 23, 2026 | - | Analysis | - |
| 8-K | Jun 18, 2026 | - | Analysis | - |
| 8-K | Jun 9, 2026 | - | Analysis | |
| 4 | Jun 8, 2026 | - | - | |
| 4 | Jun 1, 2026 | - | - | |
| 8-K | May 12, 2026 | - | Analysis | |
| 4 | May 1, 2026 | - | - | - |
| 8-K | May 1, 2026 | - | Analysis | - |
| 8-K | Apr 29, 2026 | - | Analysis | - |
| 8-K | Apr 27, 2026 | - | Analysis | - |
| 8-K | Apr 24, 2026 | - | - | - |
| 10-Q | Apr 24, 2026 | Mar 31, 2026 | Analysis | |
| 8-K | Apr 23, 2026 | - | - | - |
| 4 | Apr 15, 2026 | - | - | - |
| 8-K | Mar 3, 2026 | - | - | - |
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FCFS SEC filings: frequently asked questions
Are FCFS insiders buying or selling?
In the last 90 days, FirstCash Holdings, Inc. (FCFS) officers, directors and 10% owners reported no open-market purchases and 6 open-market sales worth $3.1 million by 4 insiders on Form 4. Many insider sales are pre-planned or for taxes, so purchases usually carry more information.
Which institutions hold FCFS stock?
As of June 30, 2026, the largest FirstCash Holdings, Inc. (FCFS) holders among the 13F filers tracked by SignalX were BlackRock ($1.1 billion), FMR LLC (Fidelity) ($659.2 million), Vanguard Portfolio Management LLC ($438.2 million), Vanguard Capital Management LLC ($367.3 million), State Street Corp ($326.1 million). 13F-HR reports are filed up to 45 days after each quarter ends.
What was FCFS's revenue in fiscal year 2025?
For the fiscal year ended December 31, 2025 (FY2025), FirstCash Holdings, Inc. (FCFS) reported revenue of $1.7 billion (up 10.7% from FY2024) and net income of $330.4 million. Diluted EPS was $7.42. The figures come from the XBRL data in the 10-K.
What are the main risks in FCFS's latest 10-K?
In the 10-K filed February 9, 2026, FirstCash Holdings, Inc. (FCFS) flagged: Regulatory compliance risk related to cybersecurity oversight by Board's Audit Committee following NIST, ISO, COBIT, and ITIL standards. Operational risk from managing sensitive customer information across pawn stores and payment solutions increasing cybersecurity threat exposure. (AI summary of the Risk Factors section.)
What did FCFS report in its latest 8-K?
FirstCash Holdings, Inc. (FCFS) filed an 8-K on August 31, 2026 reporting Item 1.01 (Entry into a Material Definitive Agreement) and Item 7.01 (Regulation FD Disclosure). Credit commitment increased from $700 million to $1.055 billion, expanding liquidity capacity.
What are the latest FCFS SEC filings?
FirstCash Holdings, Inc. (FCFS) filed its latest 10-K annual report on February 9, 2026, a 10-Q quarterly report on July 27, 2026, an 8-K current report on August 31, 2026 and a Form 4 insider filing on September 3, 2026.
What is FCFS's SEC CIK number?
FirstCash Holdings, Inc. (FCFS)'s SEC Central Index Key (CIK) is 840489. EDGAR lists every FCFS filing under that number.
Ask anything about FCFS
The research agent reads FCFS's filings, financials, insider trades and 13F holders, then answers with sources.