FirstCash Holdings, Inc.

Pawn store operator in the Americas and U.K., plus lease-to-own payments

What FirstCash does

FirstCash runs pawn shops in the United States, Mexico, other Latin American countries and the United Kingdom. Customers can borrow cash by leaving personal items such as jewelry, electronics or tools as collateral, and the stores also sell second-hand goods. The company also offers lease-to-own and other payment options at checkout through partner retailers, both in stores and online.

How FirstCash makes money

It earns pawn loan fees on cash lent against pledged goods, plus retail margins on merchandise from forfeited collateral and goods bought from customers. Its Retail POS Payment Solutions segment earns revenue from lease-to-own products and other retail financing offered through merchant partners.

Products & services

• Pawn loans
• Retail sales of pre-owned merchandise
• Over-the-counter purchases of goods from customers
• Lease-to-own (LTO) products
• Point-of-sale retail financing