Overview
FirstCash Q3 revenue of $935.6 mln beats analyst expectations
Adjusted EPS for Q3 at $2.26, surpassing consensus estimates
Company announces $150 mln share repurchase plan and $0.42 dividend
Outlook
FirstCash raises full-year revenue growth expectations in U.S. and Latin America
Company expects H&T earnings accretion of $0.18 to $0.20 per share in Q4
Retail POS Payment Solutions origination volume expected down 7% to 10% for 2025
Result Drivers
PAWN DEMAND - Strong pawn demand across U.S., Latin America, and U.K. markets drove Q3 results
H&T ACQUISITION - Recent acquisition of H&T pawn stores in the U.K. contributed to Q3 growth
AFF SEGMENT - American First Finance segment saw strong earnings growth due to lower loss provisions and improved margins
Key Details
Metric | Beat/Miss | Actual | Consensus Estimate |
Q3 Revenue | Beat | $935.58 mln | $850 mln (6 Analysts) |
Q3 Adjusted EPS | Beat | $2.26 | $1.97 (7 Analysts) |
Q3 EPS | $1.86 | ||
Q3 Adjusted Net Income | Beat | $100.63 mln | $89 mln (5 Analysts) |
Q3 Net Income | $82.80 mln | ||
Q3 Dividend | $0.42 |
Analyst Coverage
The current average analyst rating on the shares is "buy" and the breakdown of recommendations is 6 "strong buy" or "buy", 2 "hold" and no "sell" or "strong sell"
The average consensus recommendation for the consumer lending peer group is "buy"
Wall Street's median 12-month price target for Firstcash Holdings Inc is $175.00, about 15.4% above its October 29 closing price of $148.07
The stock recently traded at 16 times the next 12-month earnings vs. a P/E of 15 three months ago
Press Release: ID:nGNX9r0sLG
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(This story was created using Reuters automation and AI based on LSEG and company data. It was checked and edited by a Reuters journalist prior to publication.)