FirstCash Holdings (FCFS) Earnings: Q3 2026 Results

The quarter ended September 30, 2026 and FirstCash published the results on October 22, 2026. Revenue and diluted EPS are shown against Q3 2025, the same quarter a year earlier, which takes seasonal swings out of the comparison. FirstCash reports EPS two ways: GAAP, under the accounting rules every US filer follows, and adjusted, which leaves out items the company considers outside its operating results. The release reconciles the two, and when they diverge, the reconciliation says why.

• FirstCash completed its acquisition of H&T, which it describes as the leading pawn operator in the United Kingdom, on August 14, 2025, so the year-ago U.K. Pawn figures cover only part of Q3 2025.
• The pending acquisition of Ramsdens would add over 175 U.K. locations; FirstCash targets closing by the end of 2026, subject to anti-trust approval.

Source: FirstCash Q3 2026 results, October 22, 2026. Also in the Form 10-Q for the quarter ended September 30, 2026. Figures as reported; checked against the release on November 10, 2026.

How FirstCash splits revenue in its own release, under its own labels, for Q3 2026 against Q3 2025. Indented lines are parts of the line above them.

• FirstCash's U.S. Pawn revenue was $515 million in Q3 2026, up 18% from $437 million in Q3 2025, 47% of total revenue.
• FirstCash's LatAm Pawn revenue was $311 million in Q3 2026, up 35% from $230 million in Q3 2025, 28% of total revenue.
• FirstCash's U.K. Pawn revenue was $99.4 million in Q3 2026, up 81% from $55.0 million in Q3 2025, 9% of total revenue.
• FirstCash's AFF (retail POS payment solutions) revenue was $177 million in Q3 2026, down 17% from $214 million in Q3 2025, 16% of total revenue.

Segment lines are the figures writers cite most often, because they show where the growth in a quarter came from. Companies redraw their segments from time to time and restate the prior year to match, so a year-ago figure here can differ from the one printed a year ago. When that has happened, the note above says so.

From the earnings release

FirstCash gives directional guidance by segment and no revenue or EPS figure. The third quote refers to AFF.

In its Q3 2026 release, FirstCash said:

“Pawn operations remain the primary earnings driver as the Company expects the combined U.S., Latin America and U.K. pawn segments to be approximately 90% of total net revenue and segment level pre-tax income for 2026.”

“While the Company will begin to lap several larger domestic acquisitions made in the fourth quarter of 2025, it continues to expect a low-double-digit growth rate in pawn receivables and fees in the fourth quarter and retail sales growth of approximately 8% to 10% for the quarter.”

“Net revenue (after depreciation of leased merchandise and lease and loan loss provisioning) is expected to decrease 15% to 20% for the fourth quarter, reflecting reduced origination activity over the past year.”

“The full year 2026 consolidated effective income tax rate is expected to range from 26% to 27% of income before income taxes.”

Source: FirstCash Q3 2026 release, Oct 22, 2026.

This is the company's own guidance as of Oct 22, 2026, quoted as given. Walnut does not make forecasts of its own. Analyst estimates for the coming quarters are on the FCFS forecast page.

Revenue and diluted EPS for the last 5 quarters. Each date links to that quarter's release.

GAAP revenue and diluted EPS, each as first reported in that quarter's release.

We do not hold a confirmed date for FirstCash's next report. Companies post the date on their investor relations site a few weeks ahead, usually with the time of the conference call.

Each quarter keeps its own page with the figures as reported, so a link to one stays pointed at the same numbers after the next report.

• Q3 2026 (this page), reported Oct 22, 2026

FirstCash runs pawn stores in three regions plus a point-of-sale payments business, American First Finance (AFF). In Q3 2026 U.S. Pawn had revenue of $514.7 million, LatAm Pawn $310.7 million, U.K. Pawn $99.4 million and AFF $176.8 million. Total revenue was $1,101.2 million, up 18% from $935.6 million, and revenue from the pawn segments rose 28%. (FirstCash Q3 2026 release, Oct 22, 2026)

Pawn revenue comes from three lines. Retail merchandise sales were $481.0 million, pawn loan fees $267.3 million and wholesale scrap jewelry sales $172.5 million, against $86.7 million a year earlier. The 10-K says about 75% of FirstCash's pawn loans at the end of 2025 were collateralized with jewelry, primarily gold, and FirstCash had commitments at September 30, 2026 to deliver 57,500 gold ounces at a weighted-average $4,147 per ounce. (FirstCash Form 10-Q, Q3 2026, Oct 26, 2026; FirstCash Form 10-K, 2025, Feb 9, 2026)

Pawn receivables reached a record $908 million, against $788 million a year earlier. In the U.S., same-store pawn receivables rose 12% and same-store pawn fees 11%. In Latin America, where the peso averaged 17.2 per U.S. dollar, a favorable change of 8%, segment revenue rose 35% in dollars and 27% in constant currency. (FirstCash Q3 2026 release, Oct 22, 2026)

AFF revenue fell as gross transaction volume of lease and loan originations dropped 15%, which FirstCash put down to continued weakness in the furniture industry and a focus on merchant quality. Leased merchandise income was $103.1 million, against $132.5 million. (FirstCash Q3 2026 release, Oct 22, 2026; FirstCash Form 10-Q, Q3 2026, Oct 26, 2026)

FirstCash had 3,352 locations at September 30, 2026: 1,215 in the U.S., 1,839 in Latin America and 298 in the U.K. It added 14 stores in the quarter, four acquired and ten de novo. (FirstCash Q3 2026 release, Oct 22, 2026)

FirstCash's GAAP diluted EPS was $2.33 in Q3 2026, up 25%, and adjusted diluted EPS was $2.68, up 19%. Adjusted EPS adds back, net of tax, amortization of acquired intangible assets ($0.26), merger and acquisition expenses ($0.07) and other expense ($0.02). (FirstCash Q3 2026 release, Oct 22, 2026)

U.S. Pawn segment pre-tax operating income rose 19% with a 26% margin, Latin America pawn income rose 37% in dollars, and U.K. Pawn earned $29 million, a 29% margin. AFF pre-tax income was $33 million, down from $46.0 million a year earlier, which FirstCash attributed mainly to lost earnings from merchant partner bankruptcies. (FirstCash Q3 2026 release, Oct 22, 2026; FirstCash Form 10-Q, Q3 2026, Oct 26, 2026)

Weighted-average diluted shares were 43,335 thousand, against 44,472 thousand. FirstCash repurchased 592,000 shares for $123 million in the quarter and $250 million year to date, and raised its quarterly dividend 10% to $0.46. (FirstCash Q3 2026 release, Oct 22, 2026)

Diluted EPS divides net income by the weighted average number of shares outstanding in the quarter, plus the shares that options and other equity awards could add. Buybacks shrink that count and lift EPS for the same profit; share issuance and stock awards enlarge it.

FirstCash gives directional guidance by segment, without revenue or EPS figures. For Q4 2026 it expects low-double-digit growth in U.S. pawn receivables and fees with U.S. retail sales up about 8% to 10%, low- to mid-teens growth in Latin America pawn receivables and fees, and mid- to high-single-digit growth in U.K. pawn receivables and fees. (FirstCash Q3 2026 release, Oct 22, 2026)

For AFF it expects Q4 gross transaction volume to fall in the mid-teens percentage range and net revenue to fall 15% to 20%. It expects the full-year 2026 effective tax rate to be 26% to 27%, and pawn segments to be about 90% of total net revenue and segment pre-tax income. (FirstCash Q3 2026 release, Oct 22, 2026)

A consensus figure is the average of the models published by the analysts who cover FirstCash, collected by a data provider and revised up to the day of the report. A quarter that lands above it says how expectations were set as much as how the business did, and the share price on the day also reflects the guidance and the lines no consensus covers.

The consensus figures on this page are Yahoo Finance's, as pulled on the date shown. Each comes with the number of analysts behind it; the smaller that number, the more one revised estimate can move the average.

The figures below are the ones FirstCash's own release and filings put weight on for Q3 2026, with the latest reported value for each.

What the quarter means for a holding is a separate question from what it reported. The case for and against owning FCFS is on is FCFS a buy or a sell?, what analysts expect next is on the FCFS forecast, and what the company does is on the FirstCash Holdings (FCFS) stock page.

Every number on this page can be traced to a document FirstCash published. Checking one takes a couple of minutes, and it is worth doing before you quote a figure anywhere.

• The results release is the document linked in the source line above. Companies publish it on their investor relations site at the moment results go out, and it carries the headline tables: revenue, operating income, net income and EPS for the quarter and the year-ago quarter.
• The same release is filed with the SEC as Exhibit 99.1 to a Form 8-K under Item 2.02, usually on the day of the report. The SEC copy does not change after the fact, which makes it the safer thing to link when you cite a number.
• The quarterly report (Form 10-Q) follows within a few weeks and carries the full financial statements, the segment note and management's discussion of what changed. The fourth quarter is covered by the annual report (Form 10-K) instead.
• Restated comparisons are flagged in the notes on this page. When a company redraws its segments or changes how it adjusts EPS, it restates the year-ago column, so the year-ago figure in a new release can differ from the one printed a year ago. This page always uses the comparison in the newer release, because that is the like-for-like one.

A walk-through of every line in a release, with what each one tells you, is in how to read an earnings report.