Firstcash, INC: management transactions · United States · SEC (Form 4)

About Firstcash, INC

FirstCash, Inc. is a U.S.-listed company on the Nasdaq market in the United States, focused on consumer financial services and specialty retail. Headquartered in Fort Worth, Texas, the company traces its origins to 1988 and has grown over several decades through organic expansion and acquisitions into one of the largest international operators of retail pawn stores. Its current footprint exceeds 3,300 locations across the United States, Latin America, and, following a 2025 acquisition, the United Kingdom through H&T Group. The core of FirstCash’s business remains pawn lending. This model is structurally resilient because it serves customers who need short-term liquidity and often have limited access to traditional banking or unsecured credit. Revenue is generated primarily from pawn loan fees and related lending income, plus retail sales of forfeited collateral and merchandise. The company has also built a meaningful second platform through American First Finance (AFF), which provides point-of-sale financing and lease-to-own solutions to consumers through merchant partners. AFF broadens the earnings base and gives FirstCash exposure to installment-style consumer finance, although pawn remains the dominant profit engine. From a competitive standpoint, FirstCash stands out in a fragmented market thanks to its scale, multi-country operating base, and long record of acquisition-led growth. Management has consistently highlighted strong operating cash flow, same-store performance in pawn, store additions, and disciplined capital allocation through dividends and share repurchases. That cash generation is a strategic advantage, supporting both expansion and shareholder returns. The company’s geographic mix includes the U.S. as the largest market, with additional operations in Mexico, Guatemala, El Salvador, Colombia, and the U.K. Administrative offices are maintained in Fort Worth, Monterrey, and Mexico City. Recent developments are important for investors. In 2025, FirstCash completed its acquisition of H&T Group, strengthening its position as a leading pawnbroker in the U.K. and adding another lever for long-term growth. The company also disclosed a settlement with the CFPB related to the Military Lending Act in 2025. More recently, FirstCash reported record full-year 2025 operating results in early 2026, including strong revenue and earnings growth and continued quarterly cash dividend payments. Overall, FirstCash offers a defensive, cash-generative exposure to specialty consumer finance, with a business mix that combines pawn lending, retail resale, and POS financing.