Filing Flows › FirstCash Holdings (FCFS) › Q3 2026
FirstCash Holdings (FCFS) Q3 2026 earnings results (third quarter 2026)
10-Q filed Oct 26, 2026
FirstCash Holdings (FCFS) reported revenue of $1.1B for the third quarter 2026 (Q3 2026), +18% from a year earlier and +2% from the quarter before. Operating margin was 12.6%, net earnings $101M (9.2% of revenue).
FirstCash Holdings, Q3 2026: revenue $1.1B (+18% year over year), operating margin 12.6%, net earnings $101M, operating cash flow $142M. The chart follows the revenue to costs, profit and cash.
| Q3 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $1.1B | +2% | +18% |
| Gross profit | $546M | +2% | +15% |
| Operating profit | $139M | +9% | +23% |
| Net earnings | $101M | +8% | +22% |
| Operating cash flow | $142M | -20% | +5% |
| Free cash flow | $113M | — | -6% |
What changed
Revenue was $1.1B in Q3 2026, up 18% year over year and up 2% from the previous quarter.
Gross margin was 49.5%, down 1.1 points from Q3 2025. Operating profit was $0.14B, a 12.6% margin (up 0.6 points year over year). Of the extra revenue versus Q3 2025, 16% reached operating profit, above the 12% margin then. Operating expenses grew 13% against revenue growth of 18%. The fastest-growing cost line was General & admin (+13%). Net earnings were $0.10B, up 22% year over year. The effective tax rate was 27.1%.
Operating cash flow was $0.14B (up 5% year over year), 140% of net earnings. Non-cash charges added back $0.01B of share-based compensation. Working capital and other items added $0.04B. Capital expenditures of $0.03B left free cash flow of $0.11B.
Questions
What was FirstCash Holdings' revenue in the third quarter 2026?
FirstCash Holdings (FCFS) reported revenue of $1.1B for the third quarter 2026 (Q3 2026), +18% from a year earlier and +2% from the quarter before.
Was FirstCash Holdings profitable in the third quarter 2026?
Operating profit was $139M (12.6% of revenue) and net earnings $101M.
Source: FirstCash Holdings 10-Q on SEC EDGAR.