Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant. The information set forth in

Entry into a Material Definitive Agreement. On August 27, 2026, FirstCash Holdings, Inc., a Texas corporation (the “ Company ”), its wholly-owned subsidiaries, FirstCash, Inc., a Delaware corporation (“ US Borrower ”), Chess Holdco Limited, a company incorporated under the laws of England and Wales with company number 16434482 (“ Chess Holdco ”), and Chess Bidco Limited, a company incorporated under the laws of England and Wales with company number 16434757 (“ Chess Bidco ”; Chess Holdco and…

Other Events. On July 23, 2026, the Company announced that the Board of Directors authorized the Company to repurchase up to $150 million shares of its common stock (the “Authorization”). The Board of Directors made this determination after considering the Company's liquidity needs and capital resources as well as the estimated current value of the Company's assets. Under the Authorization, the Company may purchase common stock in open market transactions, block purchases or other privately n…

Results of Operations and Financial Condition. On July 23, 2026, FirstCash Holdings, Inc. (the “Company”) issued a press release (the “Earnings Release”) announcing its financial results for the three and six month periods ended June 30, 2026, the Board of Directors’ declaration of a third quarter cash dividend of $0.42 per common share and the Board of Directors’ authorization of $150 million of share repurchases. The Earnings Release is also furnished as Exhibit 99.1 to this Current Report…

Chief Executive Officer — Rick Wessel: Rick Wessel is transitioning to the role of Executive Chairman, and Brent Stuart will succeed him as CEO.

Regulation FD Disclosure On June 23, 2026, FirstCash Holdings, Inc. (the “Company”) issued a press release announcing the proposed acquisition of Ramsdens Holdings PLC, a company incorporated in England and Wales whose shares are listed on the London Stock Exchange (“Ramsdens”), by Chess Bidco Limited (“Bidco”), an indirect wholly-owned subsidiary of the Company. A copy of the press release is furnished herewith as Exhibit 99.1 and is incorporated into this

Other Information On June 23, 2026, Bidco released an announcement (the “Rule 2.7 Announcement”) pursuant to Rule 2.7 of the United Kingdom City Code on Takeovers and Mergers (the “Code”) disclosing that the board of directors of Bidco (the “Bidco Board”) and the board of directors of Ramsdens (the “Ramsdens Board”) had reached agreement on the terms of a final * recommended cash offer by Bidco for the entire issued and to be issued share capital of Ramsdens (the “Acquisition”). Rule 2.7 Anno…

Material Modification to Rights of Security Holders. As previously disclosed, FirstCash Holdings, Inc. (the “Company”) held its Annual Meeting of Stockholders on June 9, 2026, at which Annual Meeting a majority of the Company’s stockholders approved the reincorporation of the Company to the State of Texas. Following the approval of the reincorporation by the Company’s stockholders and in order to effect the reincorporation, on June 18, 2026, the Company (i) filed a certificate of conversion w…

Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant. The information set forth in

Entry into a Material Definitive Agreement. On May 1, 2026, FirstCash Holdings, Inc. (the “Company”) closed its previously announced private offering of $750,000,000 of 6.125% senior notes due 2034 (the “Notes”) issued by the Company’s wholly-owned subsidiary, FirstCash, Inc. (the “Issuer”). The Notes are unsecured senior obligations of the Issuer and are guaranteed by the Company and its domestic subsidiaries that guarantee its revolving unsecured credit facility and existing senior unsecure…

Regulation FD Disclosure. On April 28, 2026, FirstCash Holdings, Inc. (the “Company”) issued a press release announcing the pricing of an upsized private offering of $750,000,000 of 6.125% senior notes due 2034 (the “Notes”). A copy of the press release is furnished herewith as Exhibit 99.1 and is incorporated herein by reference. The information provided in this Item 7.01, including Exhibit 99.1 attached hereto, shall not be deemed “filed” for purposes of Section 18 of the Securities Exchang…

Regulation FD Disclosure. On April 27, 2026, FirstCash Holdings, Inc. issued a press release announcing the commencement of a private offering of $600,000,000 of senior notes due 2034. A copy of the press release is furnished herewith as Exhibit 99.1 and is incorporated herein by reference. The information provided in this Item 7.01, including Exhibit 99.1 attached hereto, shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise s…

of this Current Report by this reference. The information provided in this Item 2.02, including the Earnings Release attached hereto, is being “furnished” and shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liabilities of that section, nor shall such information be deemed incorporated by reference in any filing under the Securities Act of 1933, as amended, except as shall be expressly set forth by the speci…

of this Current Report by this reference. The information provided in this Item 2.02, including the Earnings Release attached hereto, is being “furnished” and shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liabilities of that section, nor shall such information be deemed incorporated by reference in any filing under the Securities Act of 1933, as amended, except as shall be expressly set forth by the speci…

Other Events. On October 30, 2025, the Company announced that the Board of Directors authorized the Company to repurchase up to $150 million shares of its common stock (the “Authorization”). The Board of Directors made this determination after considering the Company's liquidity needs and capital resources as well as the estimated current value of the Company's assets. Under the Authorization, the Company may purchase common stock in open market transactions, block purchases or other privatel…

Results of Operations and Financial Condition. On October 30, 2025, FirstCash Holdings, Inc. (the “Company”) issued a press release (the “Earnings Release”) announcing its financial results for the three and nine month periods ended September 30, 2025, the Board of Directors’ declaration of a fourth quarter cash dividend of $0.42 per common share and the Board of Directors’ authorization of $150 million of share repurchases. The Earnings Release is also furnished as Exhibit 99.1 to this Curre…

Regulation FD Disclosure On August 14, 2025, the Company issued a press release announcing the completion of the acquisition of H&T Group plc (“H&T”). A copy of the press release is attached as Exhibit 99.1 to this report and is incorporated herein by reference. The Company funded the acquisition through borrowings under its existing U.S. revolving credit facility. In connection with such funding, the Company terminated that certain Bridge Term Loan Credit Agreement, which was entered into on…

Regulation FD Disclosure As previously announced, the boards of directors of Chess Bidco Limited (“Bidco”), a newly-established indirect wholly-owned subsidiary of FirstCash Holdings, Inc. (the “Company”), and H&T Group plc, a company incorporated in England and Wales (“H&T”), agreed on the terms of a recommended final* cash acquisition, pursuant to which Bidco will acquire the entire issued and to be issued share capital of H&T (the “Acquisition”) by means of a Court-sanctioned scheme of arr…

of this Current Report by this reference. The information provided in this Item 2.02, including the Earnings Release attached hereto, is being “furnished” and shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liabilities of that section, nor shall such information be deemed incorporated by reference in any filing under the Securities Act of 1933, as amended, except as shall be expressly set forth by the speci…

Regulation FD Disclosure On July 11, 2025, the Company issued a press release announcing the Company has reached a settlement with the Consumer Financial Protection Bureau (“CFPB”) regarding alleged violations of the Military Lending Act in the lawsuit filed in November 2021. Subsequent to the issuance of the press release, the settlement was approved by the court. A copy of the press release is furnished herewith as Exhibit 99.1 and is incorporated into this

Regulation FD Disclosure As previously announced, the boards of directors of Chess Bidco Limited (“Bidco”), a newly-established indirect wholly-owned subsidiary of FirstCash Holdings, Inc. (the “Company”), and H&T Group plc, a company incorporated in England and Wales (“H&T”), agreed on the terms of a recommended final* cash acquisition, pursuant to which Bidco will acquire the entire issued and to be issued share capital of H&T (the “Acquisition”) by means of a Court-sanctioned scheme of arr…

Other Information Amendment to Revolving Credit Facility The Company currently envisages drawing down funds under its existing U.S. revolving unsecured credit facility (as further described below) prior to the closing of the Acquisition to permit Bidco to finance the Acquisition and to pay related fees and expenses, including potential repayment of H&T’s outstanding indebtedness. To this end, in connection with the Rule 2.7 Announcement, the Company and its wholly-owned subsidiary, FirstCash,…

Entry into a Material Definitive Agreement. On May 14, 2025, Chess Bidco Limited (“Bidco”), a newly-established indirect wholly-owned subsidiary of FirstCash Holdings, Inc. (the “Company”), released an announcement (the “Rule 2.7 Announcement”) pursuant to Rule 2.7 of the United Kingdom City Code on Takeovers and Mergers (the “Code”) disclosing that the board of directors of Bidco (the “Bidco Board”) and the board of directors of H&T Group plc (the “H&T Board”), a company incorporated in Engl…

of this Current Report by this reference. The information provided in this Item 2.02, including the Earnings Release attached hereto, is being “furnished” and shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liabilities of that section, nor shall such information be deemed incorporated by reference in any filing under the Securities Act of 1933, as amended, except as shall be expressly set forth by the speci…

CEO — Rick L. Wessel: The filing discloses amendments to existing employment agreements regarding term extensions and salary adjustments, not a change in personnel or departure.