FCFS FirstCash Holdings, Inc.
FY2025 10-K
FirstCash Holdings, Inc. (FCFS) filed its fiscal year 2025 10-K annual report with the SEC on Feb 9, 2026. This page provides AI-powered analysis of the filing, including business overview, management discussion, risk factors, and key financial metrics from XBRL data.
AI Filing AnalysisFY2025 10-K
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
Management Discussion & Analysis
- • No revenue or profitability figures disclosed in provided text
- • No segment performance details available
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
Financial SummaryXBRL
Revenue
$1.7B
Net Income
$330M
Gross Margin
110.3%
Net Margin
19.8%
ROE
14.5%
Total Assets
$5.3B
EPS (Diluted)
$7.42
Operating Cash Flow
$586M
Source: XBRL data from FirstCash Holdings, Inc. FY2025 10-K filing on SEC EDGAR. All figures in USD.
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