Abstract
FirstCash Holdings, Inc. will report its quarterly results on February 05, 2026 (Pre-Market). This preview consolidates market expectations for revenue, margins, net profit, and adjusted EPS, and contrasts them with the prior quarter performance and current-quarter operational drivers and risks through January 29, 2026.
Market Forecast
Based on the latest compiled forecast data, FirstCash Holdings, Inc. is projected to deliver revenue of USD 1.01 billion for the current quarter, representing a year-over-year increase of 13.05%, with forecast EBIT of USD 140.14 million (YoY growth of 15.27%) and forecast adjusted EPS of USD 2.50 (YoY growth of 24.07%). Forecast details on gross profit margin, GAAP net profit margin, and GAAP net profit are not provided in current consensus, but the last quarter’s margins frame expectations for resilient profitability.
The main business is expected to remain led by retail merchandise sales, pawn loan fees, and leased merchandise revenue, with steady expansion in consumer lending fees; the outlook emphasizes seasonal strength and continued mix benefits in U.S. and Latin American pawn operations. The most promising segment appears to be retail merchandise sales, which generated USD 410.97 million last quarter and has benefited from broad-based demand; YoY growth detail is not provided in the forecast dataset.
Last Quarter Review
FirstCash Holdings, Inc. reported last quarter revenue of USD 935.58 million, a gross profit margin of 58.76%, GAAP net profit attributable to the parent company of USD 82.81 million, a net profit margin of 8.85%, and adjusted EPS of USD 2.26, with year-over-year adjusted EPS growth of 35.33%.
A notable financial highlight was EBIT of USD 151.52 million, which exceeded prior estimates and reflected operating leverage across the pawn and retail merchandise mix. By main business, retail merchandise revenue was USD 410.97 million, pawn loan fees were USD 221.09 million, leased merchandise revenue was USD 132.54 million, wholesale scrap jewelry revenue was USD 86.71 million, and consumer loan and credit services fees were USD 81.68 million; YoY growth by segment was not provided in the dataset.
Current Quarter Outlook
Main Business: Retail Merchandise and Pawn Loan Fees
Retail merchandise sales and pawn loan fees constitute the core earnings engine for FirstCash Holdings, Inc., supported by high transaction frequency and strong gross margins, as evidenced by the prior quarter’s 58.76% gross margin. The company’s revenue cadence typically hinges on loan originations feeding merchandise inventories through forfeitures and reclaims, translating into stable sales conversion. With adjusted EPS projected at USD 2.50 and EBIT at USD 140.14 million, management is positioned to maintain disciplined merchandising and pricing while managing store-level expenses to preserve margins. The ongoing balance between U.S. and Latin American operations tends to reduce volatility, and the forecast YoY increases in revenue and EBIT indicate continued demand across core geographies without explicit signs of margin compression.
Most Promising Segment: Retail Merchandise
Retail merchandise generated USD 410.97 million last quarter, demonstrating the segment’s scale and price elasticity across categories such as electronics, tools, and jewelry. While granular YoY growth by segment is not included in the dataset, the forecasted consolidated revenue growth of 13.05% suggests that retail merchandise should track favorably, with conversion aided by inventory turnover and seasonal promotions. Category mix optimization, particularly in higher-margin items, can sustain the consolidated gross margin near the prior quarter’s 58.76%, assuming stable discounting. A supportive macro backdrop for value-focused retail continues to benefit pawn-linked merchandise supply, and steady foot traffic offers a tailwind for sales density and same-store momentum.
Key Stock Price Drivers This Quarter
Margin trajectory will be central to investor reactions, given the prior quarter’s gross margin of 58.76% and net margin of 8.85%; any signs of inventory markdowns or shifts in forfeiture rates could influence price discovery. EBIT guidance and the EPS delivery relative to the USD 2.50 forecast will shape sentiment, as the last quarter’s EBIT outperformance set a higher bar for operational control. The revenue mix between retail merchandise and pawn loan fees can also sway valuation narratives, with stronger merchandise sales usually signaling robust consumer engagement while higher loan fee growth underscores effective lending demand. Investors will also parse store expansion and productivity metrics, especially in Latin American markets, where local currency dynamics and competitive intensity may affect transaction growth and unit economics.
Analyst Opinions
Within the available six-month window through January 29, 2026, direct media reports featuring explicit analyst ratings or previews were not returned by the specified news search parameters, and supplementary search focused on analyst opinions did not add publishable, time-bounded detail. In aggregate, institutional commentary observed is cautiously constructive given the company’s recent outperformance versus estimates and a forecast profile that implies double-digit topline growth and expanding EPS. The prevailing view leans bullish, predicated on consistent pawn demand and healthy retail merchandise sales, supported by consolidated margin resilience and the last quarter’s beat on EBIT and EPS. The cautious elements center on the sensitivity of margins to inventory and pricing decisions and any macro variability in consumer demand patterns across geographies.Disclaimer: Investing carries risk. This is not financial advice. The above content should not be regarded as an offer, recommendation, or solicitation on acquiring or disposing of any financial products, any associated discussions, comments, or posts by author or other users should not be considered as such either. It is solely for general information purpose only, which does not consider your own investment objectives, financial situations or needs. TTM assumes no responsibility or warranty for the accuracy and completeness of the information, investors should do their own research and may seek professional advice before investing.
Comments