FirstCash Holdings, Inc.
For the period ended Dec 31, 2025. Filed Feb 9, 2026.
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A company's yearly report to the SEC, with audited financial statements. It is the fullest account a company gives of its business, its finances and the risks it sees.
FY2025 · Filed Feb 9, 2026
FCFS$183.43-2.3%Stored close · as of Nov 10, 2026
Extracted filing text, with the paragraph anchors used by the comparison.
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Item 15. Exhibits and Financial Statement Schedules
| (a) · The following documents are filed as part of this report: | ||
|---|---|---|
| (1) | Consolidated Financial Statements: | Page |
| Report of Independent Registered Public Accounting Firm (PCAOB ID: 49) · F-1 | ||
| Consolidated Balance Sheets · F-3 | ||
| Consolidated Statements of Income · F-4 | ||
| Consolidated Statements of Comprehensive Income · F-5 | ||
| Consolidated Statements of Changes in Stockholders’ Equity · F-6 | ||
| Consolidated Statements of Cash Flows · F-9 | ||
| Notes to Consolidated Financial Statements · F-11 | ||
| (2) | All schedules are omitted because they are not applicable or the required information is shown in the financial statements or the notes thereto. | |
| (3) | Exhibits: | |
| Incorporated by Reference | |||||
|---|---|---|---|---|---|
| Exhibit No. · Exhibit Description · Form · File No. · Exhibit · Filing Date · Filed Herewith | |||||
| 2.1 | Rule 2.7 Announcement | 8-K | 001-10960 | 2.1 | 05/14/2025 |
| 2.2 | Co-operation Agreement | 8-K | 001-10960 | 2.2 | 05/14/2025 |
| 3.1 | Amended and Restated Certificate of Incorporation of FirstCash Holdings, Inc., dated December 16, 2021 | 8-K12B | 001-10960 | 3.1 | 12/16/2021 |
| 3.2 | Amended and Restated Bylaws of FirstCash Holdings, Inc., dated December 16, 2021 | 8-K12B | 001-10960 | 3.2 | 12/16/2021 |
| 4.1 | Common Stock Specimen | S-1 | 33-48436 | 4.2a | 06/05/1992 |
| 4.2 | Indenture, dated as of August 26, 2020, by and among FirstCash, Inc., the guarantors listed therein and BOKF, NA (including the form of Note attached as an exhibit thereto). | 8-K | 001-10960 | 4.1 | 08/26/2020 |
| 4.3 | First Supplemental Indenture, dated November 17, 2021, by and among FirstCash, Inc., the guarantors listed therein and BOKF, N.A. | 8-K | 001-10960 | 4.1 | 12/07/2021 |
| 4.4 | Indenture, dated as of December 13, 2021, by and among FirstCash, Inc., the guarantors listed therein and BOKF, N.A. (including the form of Note attached as an exhibit thereto) | 8-K | 001-10960 | 4.1 | 12/13/2021 |
| 4.5 | Indenture, dated as of February 21, 2024, by and among FirstCash, Inc., the guarantors listed therein and BOKF, NA (including the form of Note attached as an exhibit thereto). | 8-K | 001-10960 | 4.1 | 02/21/2024 |
| 4.6 | Description of Securities | 10-K | 0-19133 | 4.6 | 02/03/2025 |
| 10.1 | First Cash Financial Services, Inc. 2004 Long-Term Incentive Plan * | DEF 14A | 0-19133 | C | 04/29/2004 |
| 10.2 | First Cash Financial Services, Inc. 2011 Long-Term Incentive Plan * | DEF 14A | 0-19133 | A | 04/28/2011 |
| 10.3 | Amendment to the FirstCash, Inc. 2011 Long-Term Incentive Plan * | S-8 | 333-214452 | 99.2 | 11/04/2016 |
| 10.4 | First Cash 401(k) Profit Sharing Plan, as amended effective as of October 1, 2010 (executed on August 5, 2010) | S-8 | 333-106881 | 4(g) | 05/31/2012 |
| 10.5 | Amended and Restated Credit Agreement, dated July 25, 2016, between First Cash Financial Services, Inc., certain subsidiaries of the borrower from time to time party thereto, the lenders party thereto, and Wells Fargo Bank, National Association | 8-K | 0-19133 | 10.1 | 07/26/2016 |
| 10.6 | Performance-Based Restricted Stock Unit Award Agreement * | 10-Q | 001-10960 | 10.1 | 05/05/2017 |
Table of Contents
| Incorporated by Reference | |||||
|---|---|---|---|---|---|
| Exhibit No. · Exhibit Description · Form · File No. · Exhibit · Filing Date · Filed Herewith | |||||
| 10.7 | First Amendment to Amended and Restated Credit Agreement and Waiver, dated May 30, 2017, between FirstCash, Inc., certain subsidiaries of the borrower from time to time party thereto, the lenders party thereto, and Wells Fargo Bank, National Association | 8-K | 001-10960 | 10.1 | 05/31/2017 |
| 10.8 | Employment Agreement, dated July 30, 2018, between Raul Ramos and FirstCash, Inc. * | 10-Q | 001-10960 | 10.1 | 08/01/2018 |
| 10.9 | Second Amendment to Amended and Restated Credit Agreement, dated October 4, 2018, between FirstCash, Inc., certain subsidiaries of the borrower from time to time party thereto, the lenders party thereto, and Wells Fargo Bank, National Association | 8-K | 001-10960 | 10.1 | 10/04/2018 |
| 10.10 | FirstCash, Inc. 2019 Long-Term Incentive Plan * | DEF 14A | 001-10960 | B | 04/26/2019 |
| 10.11 | Third Amendment to Amended and Restated Credit Agreement, dated December 19, 2019, between FirstCash, Inc., certain subsidiaries of the borrower from time to time party thereto, the lenders party thereto, and Wells Fargo Bank, National Association | 8-K | 001-10960 | 10.1 | 12/19/2019 |
| 10.12 | Fourth Amendment to Amended and Restated Credit Agreement, dated November 9, 2020, between FirstCash, Inc., certain subsidiaries of the borrower from time to time party thereto, the lenders party thereto, and Wells Fargo Bank, National Association | 8-K | 001-10960 | 10.1 | 11/10/2020 |
| 10.13 | Fifth Amendment to Amended and Restated Credit Agreement, dated December 8, 2021, by and among FirstCash, Inc., the guarantors and lenders listed herein and Wells Fargo Bank, National Association | 8-K | 001-10960 | 10.1 | 12/13/2021 |
| 10.14 | Assignment and Assumption Agreement, dated December 16, 2021, between FirstCash, Inc. and FirstCash Holdings, Inc. | 8-K12B | 001-10960 | 10.1 | 12/16/2021 |
| 10.15 | Registration Rights Agreement, dated as of December 17, 2021, by and among FirstCash Holdings, Inc. and certain seller parties thereto | 8-K | 001-10960 | 10.1 | 12/17/2021 |
| 10.16 | Employment Agreement, dated February 25, 2022, between Rick L. Wessel and FirstCash Holdings, Inc. * | 10-K | 001-10960 | 10.17 | 02/28/2022 |
| 10.17 | Employment Agreement, dated February 25, 2022, between T. Brent Stuart and FirstCash Holdings, Inc. * | 10-K | 001-10960 | 10.18 | 02/28/2022 |
| 10.18 | Employment Agreement, dated February 25, 2022, between R. Douglas Orr and FirstCash Holdings, Inc. * | 10-K | 001-10960 | 10.19 | 02/28/2022 |
| 10.19 | Employment Agreement, dated February 25, 2022, between Howard F. Hambleton and FirstCash Holdings, Inc. * | 10-K | 001-10960 | 10.20 | 02/28/2022 |
| 10.20 | Sixth Amendment to Amended and Restated Credit Agreement, dated August 30, 2022, between FirstCash Holdings, Inc., FirstCash, Inc., certain subsidiaries of the borrower from time to time party thereto, the lenders party thereto, and Wells Fargo Bank, National Association | 8-K | 001-10960 | 10.1 | 08/31/2022 |
| 10.21 | Seventh Amendment to Amended and Restated Credit Agreement, dated October 18, 2023, between FirstCash Holdings, Inc., FirstCash, Inc., certain subsidiaries of the borrower from time to time party thereto, the lenders party thereto, and Wells Fargo Bank, National Association | 10-Q | 001-10960 | 10.1 | 10/30/2023 |
| 10.22 | Employment Agreement, dated April 2, 2024, between Daniel R. Feehan and FirstCash Holdings, Inc. * | 10-Q | 001-10960 | 10.1 | 04/29/2024 |
Table of Contents
| Incorporated by Reference | ||||||
|---|---|---|---|---|---|---|
| Exhibit No. | Exhibit Description | Form | File No. | Exhibit | Filing Date | Filed Herewith |
| 10.23 | Eighth Amendment to Amended and Restated Credit Agreement, dated August 8, 2024, between FirstCash Holdings, Inc., FirstCash, Inc., certain subsidiaries of the borrower from time to time party thereto, the lenders party thereto, and Wells Fargo Bank, National Association, as administrative agent ** | 8-K | 001-10960 | 10.1 | 08/09/2024 | |
| 10.24 | Ninth Amendment to Amended and Restated Credit Agreement | 10-Q | 001-10960 | 10.1 | 07/28/2025 | |
| 10.25 | Amendment to Employment Agreement between Rick L. Wessel and FirstCash Holdings, Inc., dated March 3, 2025 * | 8-K | 001-10960 | 10.1 | 03/05/2025 | |
| 10.26 | Amendment to Employment Agreement between T. Brent Stuart and FirstCash Holdings, Inc., dated March 3, 2025 * | 8-K | 001-10960 | 10.2 | 03/05/2025 | |
| 10.27 | Amendment to Employment Agreement between R. Douglas Orr and FirstCash Holdings, Inc., dated March 3, 2025 * | 8-K | 001-10960 | 10.3 | 03/05/2025 | |
| 10.28 | Amendment to Employment Agreement between Howard Hambleton and FirstCash Holdings, Inc., dated March 3, 2025 * | 8-K | 001-10960 | 10.4 | 03/05/2025 | |
| 10.29 | Amendment to Employment Agreement between Raul Ramos and FirstCash Holdings, Inc., dated March 3, 2025 * | 8-K | 001-10960 | 10.5 | 03/05/2025 | |
| 19.1 | Insider Trading Policy | 10-K | 001-10960 | 19.1 | 02/03/2025 | |
| 21.1 | Subsidiaries | X | ||||
| 23.1 | Consent of Independent Registered Public Accounting Firm, RSM US LLP | X | ||||
| 31.1 | Certification Pursuant to Exchange Act Section 13(a)-14(a)/15d-14(a), as Adopted Pursuant to Section 302 of the Sarbanes-Oxley Act, provided by Rick L. Wessel, Chief Executive Officer | X | ||||
| 31.2 | Certification Pursuant to Exchange Act Section 13(a)-14(a)/15d-14(a), as Adopted Pursuant to Section 302 of the Sarbanes-Oxley Act, provided by R. Douglas Orr, Chief Financial Officer | X | ||||
| 32.1 | Certification Pursuant to 18 U.S.C. Section 1350, as Adopted Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, provided by Rick L. Wessel, Chief Executive Officer | X | ||||
| 32.2 | Certification Pursuant to 18 U.S.C. Section 1350, as Adopted Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, provided by R. Douglas Orr, Chief Financial Officer | X | ||||
| 97.1 | FirstCash Holdings, Inc. Compensation Recoupment Policy (effective October 25, 2023) * | 10-K | 001-10960 | 97.1 | 02/05/2024 | |
| 101.INS | Inline XBRL Instance Document - the instance document does not appear in the Interactive Data File because its XBRL tags are embedded within the Inline XBRL document | X | ||||
| 101.SCH | Inline XBRL Taxonomy Extension Schema Document | X | ||||
| 101.CAL | Inline XBRL Taxonomy Extension Calculation Linkbase Document | X | ||||
| 101.DEF | Inline XBRL Taxonomy Extension Definition Linkbase Document | X | ||||
| 101.LAB | Inline XBRL Taxonomy Extension Label Linkbase Document | X | ||||
Table of Contents
| Incorporated by Reference | ||||||
| Exhibit No. | Exhibit Description | Form | File No. | Exhibit | Filing Date | Filed Herewith |
| 101.PRE | Inline XBRL Taxonomy Extension Presentation Linkbase Document | X | ||||
| 104 | Cover Page Interactive Data File (embedded within the Inline XBRL document contained in Exhibit 101) | X | ||||
- Indicates management contract or compensatory plan, contract or arrangement.
** Portions of this exhibit are redacted pursuant to Item 601(b)(10)(iv) of Regulation S-K.
The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.