FirstCash Holdings, Inc. (FCFS) FY2025 10-K Annual Report
FirstCash Holdings, Inc. (FCFS) 10-K annual report for fiscal year 2025, filed with SEC EDGAR on Feb 9, 2026. This page provides AI-powered analysis including business overview, management discussion & analysis (MD&A), risk factors, and key financial data such as revenue, net income, gross margin, operating margin, and return on equity (ROE) extracted from XBRL.
FirstCash Holdings, Inc. FY2025 10-K Analysis
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
FirstCash Holdings, Inc. FY2025 Key Financial MetricsXBRL
Revenue
$1.7B
▲ +10.7% YoY
Net Income
$330M
▲ +27.6% YoY
Gross Margin
110.3%
▲ +220bp YoY
Net Margin
19.8%
▲ +263bp YoY
ROE
14.5%
▲ +191bp YoY
Total Assets
$5.3B
▲ +18.4% YoY
EPS (Diluted)
$7.42
▲ +29.5% YoY
Operating Cash Flow
$586M
▲ +8.5% YoY
Source: XBRL data from FirstCash Holdings, Inc. FY2025 10-K filing on SEC EDGAR. All figures in USD.
Get deeper insights on FirstCash Holdings, Inc.
Access full AI analysis, insider trading data, fund holdings, and cross-signal detection on SignalX.