FirstCash Holdings, Inc.

FirstCash Holdings, Inc., along with its wholly owned subsidiaries (together, FirstCash or the Company ), is the leading operator of pawn stores in the U.S., Latin America and the U.K. FirstCash’s primary line of business is the operation of retail pawn stores, also known as pawnshops. The Company also operates a retail POS payment solutions business. The Company’s two business lines are organized into four reportable segments: The U.S. pawn segment consists of pawn operations in 29 U.S. states and the District of Columbia The Latin America pawn segment consists of pawn operations in Mexico, Guatemala, El Salvador and Colombia The U.K. pawn segment consists of pawn operations in England, Scotland and Wales The retail POS payment solutions segment consists of the operations of American First Finance, LLC ( AFF ), which offers products in the U.S. The Company completed the acquisition of H&T, the leading pawn operator in the United Kingdom with 286 store locations, on August 14, 2025, the date which the balance sheet and operating results of H&T were included in the Company’s consolidated financial results. For further detail, see Note 3 of Notes to Consolidated Financial Statements. As of December 31, 2025, the Company operated over 3,300 pawnshops across its network. Pawn stores help customers meet small, short-term cash needs by providing non-recourse pawn loans and buying merchandise directly from customers.