FirstCash Holdings Inc. is a leading operator of pawn stores in the United States and Latin America, and it also provides retail point-of-sale payment solutions. The company operates through two primary business lines: pawn operations and retail POS payment solutions. Its pawn operations are organized into three reportable segments: U.S. pawn, which includes stores across various states and the District of Columbia; Latin America pawn, covering Mexico, Guatemala, El Salvador, and Colombia; and U.K. pawn, with stores in England, Scotland, and Wales. The retail POS payment solutions segment consists of American First Finance, LLC, which offers lease-to-own and retail financing products in the U.S. FirstCash generates revenue primarily through pawn loans, the sale of merchandise acquired from forfeited collateral, and fees from its payment solutions. The company serves a broad customer base, including underbanked and unbanked individuals, across its geographic markets.

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