Financial insights of FCFS

MyFinsight

For the quarter ending 2025-09-30, FCFS made $935,579K in revenue. $82,807K in net income. Net profit margin of 8.85%.

Unit: Thousand (K) dollars (except for numbers of shares and EPS)

Income Statement	2025-09-30	2025-06-30	2025-03-31	2024-09-30
Total revenue	935,579	830,622	836,423	837,321
Cost of retail merchandise sold	248,723	230,326	224,124	218,178
Depreciation of leased merchandise	76,028	78,272	88,819	104,928
Provision for lease losses	27,920	32,543	27,562	39,171
Provision for loan losses	40,347	41,761	36,360	40,557
Cost of wholesale scrap jewelry sold	68,220	34,904	35,355	29,880
Other cost of revenue	634	-	-	-
Total cost of revenue	461,872	417,806	412,220	432,714
Net revenue	473,707	412,816	424,203	404,607
Operating expenses	236,528	222,493	214,586	224,926
Administrative expenses	58,845	59,263	48,523	40,930
Depreciation and amortization	29,034	25,864	25,502	25,933
Interest expense	32,216	26,337	27,471	27,424
Interest income	908	527	1,229	403
(gain) loss on foreign exchange	219	1,271	14	-882
Merger and acquisition expenses	9,472	2,777	462	225
Other income, net	3,740	3,199	2,315	490
Total expenses and other income	361,228	331,737	312,986	319,427
Income (loss) before income taxes	112,479	81,079	111,217	85,180
Provision for income taxes	29,672	21,274	27,626	20,353
Net income	82,807	59,805	83,591	64,827

Basic (usd per share)	1.87	1.35	1.87	1.45
Diluted (usd per share)	1.86	1.34	1.87	1.44
Weighted-average common shares for calculating basic earnings per share (shares)	44,211,000	44,365,000	44,649,000	44,752,000
Weighted-average common shares for calculating diluted earnings per share (shares)	44,472,000	44,552,000	44,789,000	44,970,000