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Last $38.17 USD
Change Today +0.79 / 2.11%
Volume 151.0K
As of 8:10 PM 02/12/16 All times are local (Market data is delayed by at least 15 minutes).
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Company Description

Contact Info

690 East Lamar Boulevard

Suite 400

Arlington, TX 76011

United States

Phone: 817-460-3947

Fax: 817-461-7019

First Cash Financial Services, Inc. operates retail-based pawn stores in the United States and Mexico. As of December 31, 2014, the company had 1,005 locations, including 331 stores across 13 U.S. states and 674 stores across 29 states in Mexico. The company’s primary business is the operation of large format, full-service pawn stores, which engage in retail sales, the purchase of secondhand goods, as well as offer consumer financial services products. These pawn stores generate significant retail sales from the merchandise acquired through collateral forfeitures and over-the-counter purchases from customers. The company’s pawn stores are also a source for small consumer loans to help customers meet their short-term cash needs. Personal property, such as consumer electronics, jewelry, power tools, household appliances, sporting goods and musical instruments are pledged as collateral for the loans. In addition, some of the company’s pawn stores offer small consumer loans or credit services products. In addition to its pawn stores, the company operates various stand-alone consumer finance stores in Texas and Mexico. These stores primarily provide consumer financial services products, including credit services and small unsecured consumer loans. Pawn Merchandise Sales The company’s pawn merchandise sales are primarily retail sales to the general public from its pawn stores. The items that the company sells primarily consist of pre-owned consumer electronics, jewelry, power tools, household appliances, sporting goods and musical instruments. In selected U.S. markets, the company’s pawn stores also sell certain types of firearms. The company also melts down certain quantities of scrap jewelry and sells the gold, silver and diamonds in commodity markets. Pawn Lending Activities The company’s pawn stores make small loans to its customers to help them meet short-term cash needs. All pawn loans are collateralized by personal property, such as consumer electronics, jewelry, power tools, household appliances, sporting goods and musical instruments. In selected U.S. stores, pawn loans could also be collateralized with firearms. Pawn loans are non-recourse loans and the pledged goods provide the only security to the company for the repayment of the loan. Credit Services and Consumer Loan Activities The company offers a fee-based credit services organization program (CSO Program) to assist consumers in Texas markets in obtaining extensions of credit. The company’s consumer loan and pawn stores in Texas offer the CSO Program, and in Texas, credit services are also offered through an Internet platform. The company also offers an automobile title lending product under the CSO Program. The company also offers small, unsecured consumer loans to customers in various states within the U.S. and in Mexico. Strategy The company’s strategy is to focus on improving its retail-based pawn operations in the United States and Mexico through new store openings and strategic acquisition opportunities as they arise. Intellectual Property ‘First Cash Financial Services’ is a registered trademark in the United States. Other trade-names used by the company include First Cash Empeno, First Cash Advance, Cash & Go, Presta Max, Famous Pawn, Fast Cash Pawn & Gold Center, King Pawn, Mister Money Pawn, Money Man Pawn, National Pawn, Valu + Pawn, Regent Pawn & Jewelry, Loftis Jewelry & Pawnbrokers, Smart Pawn, Piazza Jewelry & Pawn, Dan’s Discount Jewelry & Pawn, David’s Pawn Shop, Atomic Pawn, SharpMart, Cash America casa de empeno (in Mexico) and Cash America (in Colorado). Governmental Regulation In connection with credit services/consumer loan transactions, the company must comply with various disclosure requirements under the Federal Truth in Lending Act (and Federal Reserve Regulation Z promulgated thereunder). The company uses the Federal Fair Debt Collection Practices Act as a guide when conducting its collection activities and complies with all applicable state collection practices laws. FinCEN (Financial Crimes Enforcement Network of the Treasury Department) adopted additional regulations, implementing the

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