FirstCash Holdings, Inc.
For the period ended Sep 30, 2026. Filed Oct 26, 2026.
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A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.
Sep 30, 2026 · Filed Oct 26, 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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Consolidated Statements of Cash Flows
Table of Contents
| FIRSTCASH HOLDINGS, INC. | ||
|---|---|---|
| CONSOLIDATED STATEMENTS OF CASH FLOWS | ||
| (unaudited, in thousands) | ||
| Nine Months Ended | ||
| September 30, | ||
| 2026 | 2025 | |
| Cash flow from operating activities: | ||
| Net income | $302,321 | $226,203 |
| Adjustments to reconcile net income to net cash flow provided by operating activities: | ||
| Depreciation of leased merchandise | 215,822 | 243,119 |
| Provision for lease losses | 71,204 | 88,025 |
| Provision for loan losses | 123,564 | 118,468 |
| Share-based compensation expense | 16,125 | 15,153 |
| Depreciation and amortization expense | 96,239 | 80,400 |
| Amortization of debt issuance costs | 3,504 | 2,974 |
| Prepayment penalties on early termination of secured term loans | 4,182 | — |
| Net amortization of premiums, discounts and unearned origination fees on finance receivables | (51,422) | (48,945) |
| Deferred income taxes, net | (1,811) | 16,709 |
| Changes in operating assets and liabilities, net of business combinations: | ||
| Accounts receivable, net | (6,831) | (6,762) |
| Inventories purchased directly from customers, wholesalers or manufacturers | (45,803) | (13,367) |
| Leased merchandise | (247,448) | (302,432) |
| Prepaid expenses and other assets | (3,186) | (12,253) |
| Accounts payable, accrued liabilities and other liabilities | 5,428 | (27,086) |
| Income taxes | (9,495) | (909) |
| Net cash flow provided by operating activities | 472,393 | 379,297 |
| Cash flow from investing activities: | ||
| Pawn loans made | (1,995,764) | (1,416,821) |
| Pawn loans repaid | 1,143,076 | 800,966 |
| Recovery of pawn loan principal through sale of forfeited collateral | 711,909 | 517,122 |
| Investments in finance receivables | (283,490) | (338,295) |
| Proceeds from finance receivables | 264,339 | 263,139 |
| Purchases of furniture, fixtures, equipment and improvements | (55,954) | (37,419) |
| Purchases of store real property | (69,728) | (44,231) |
| Acquisitions of pawn stores, net of cash acquired | (21,074) | (406,874) |
| Net cash flow used in investing activities | (306,686) | (662,413) |
| Cash flow from financing activities: | ||
| Borrowings from credit facilities | 433,924 | 689,372 |
| Repayments of credit facilities | (878,378) | (315,070) |
| Prepayment penalties on early termination of secured term loans | (4,182) | — |
| Repayment and early termination of secured term loans | (60,505) | — |
| Issuance of senior unsecured notes | 750,000 | — |
| Debt issuance costs paid | (12,270) | — |
| Purchases of treasury stock | (251,150) | (90,459) |
| Payment of withholding taxes on net share settlements of restricted stock unit awards | (11,240) | (5,764) |
| Dividends paid | (55,082) | (52,435) |
| Net cash flow (used in) provided by financing activities | (88,883) | 225,644 |
| Effect of exchange rates on cash | 1,138 | 12,617 |
| Change in cash and cash equivalents | 77,962 | (44,855) |
| Cash and cash equivalents at beginning of the period | 125,197 | 175,095 |
| Cash and cash equivalents at end of the period | $203,159 | $130,240 |
| The accompanying notes are an integral part of these consolidated financial statements. | ||
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