FirstCash Holdings, Inc (FCFS)

Pawn stores in three regions and retail finance. Read October 19, 2026 from the annual report for the period ending December 31, 2025, filed February 9, 2026. Ranked 14 of the 44 Financial Services companies read so far, by the share within reach now.

A pawn and consumer finance company whose filing counts employees by country and its administrative staff in each, so the lending pattern carries 88% and the stated support count the rest.

The figures on this page come from the company's own annual report and from BLS staffing patterns for its industries, never from a roster. They are estimates with a stated method. Nothing here says what the company will do: within reach is not a forecast of jobs lost or of savings.

What follows from the reading

Share of working time within reach of AI, on the long-run pace at four in five: 39% now, 58% at the end of 2027, 66% at the end of 2028, 68% at the end of 2030. By the patterns, the work is about 68% desk work, 27% people work and 5% body work. These are the site's industry estimates weighted by the shares below: estimates with a stated method and range, not a forecast of what the company will do. By the same patterns, at the end of 2028 about 32% of the working time stays with people (conversation, in-person and hands-on work), 58% becomes checking a model's work and 7% could be handed over with lighter checks, from the industries' own figures, not the company's roles.

Headcount

22,000 employees as of December 31, 2025 (stated). About 8,300 of approximately 22,000 employees are in the U.S.; 11,900 are in Latin America and 1,700 in the U.K.

The filing: “All eligible employees in Mexico participate in a statutory profit sharing program. 12 Table of Contents Workplace Profile As of December 31, 2025, the Company had approximately 22,000 employees across seven countries (the U.S., Mexico, Guatemala, El Salvador, Colombia, Jamaica and the U.K.).”

The workforce as industry patterns

What the filing says about the workforce: About 22,000 employees in seven countries: 8,300 in the U.S., 11,900 in Latin America, 1,700 in the U.K., with 1,200, 1,100 and 400 of them in executive, supervisory, administrative and accounting functions; most front-line store employees take part in a store-level profit sharing program; Mexico employees are covered by labor agreements under federal law, and no other employees are under collective bargaining agreements.

Companies read with the same leading pattern

Other companies whose largest staffing pattern is also Nondepository Credit Intermediation, largest first, each read from its own annual report. Within reach now and at the end of 2028, long-run pace, four in five.

• American Express Company (AXP, 76,800 employees)41% now, 66% by 2028
• Rocket Companies, Inc. (RKT, 23,500 employees)37% now, 61% by 2028
• Synchrony Financial (SYF, 20,000 employees)41% now, 66% by 2028

What the filing says about AI

4 sentences in the filing name AI. The filing's AI sentences are risk factors: its growth depends on keeping pace with technological advances including generative AI and other machine learning technologies, in an industry marked by rapid innovation such as AI and machine learning.

• “The Company's future growth is dependent on its ability to keep pace with technological advances, including the adoption of generative artificial intelligence and other machine learning technologies, to remain competitive.”
• “The Company's future growth is dependent on its ability to keep pace with the adoption of technological advances, including generative artificial intelligence and other machine learning technologies, to remain competitive.”
• “The Company's industry is marked by rapid technological developments and innovations, such as the use of artificial intelligence and machine learning, to conform to evolving industry standards.”
• “The Company may be required to make significant investments in its information technology systems, including those related to artificial intelligence and machine learning, in order to maintain its competitive position in the market.”

Its annual reports, year by year

Sentences naming AI in each annual report, counted by one rule, beside the median report in the Index that year. Each count links its filing. Every company, by year and sector

• Fiscal 20210median 0
• Fiscal 20220median 0
• Fiscal 20230median 1
• Fiscal 20240median 4
• Fiscal 20254median 10

Headcount by filing year

As reported in each year's annual report, with the filing. A year marked not read had no figure the reading could take from the report's text.

Limits of this reading

• The 2,700 in executive, supervisory, administrative and accounting functions include field supervisors, read as the support count under rule 6.
• About 62% of employees are outside the United States; the pattern applies abroad because the work is the same (rule 7).

Source: the company's annual report on EDGAR, accession 0000840489-26-000032, the filing. Read by Claude Fable 5.1 under rubric version 1, by the method. A company can write to info@stratussc.com to have its reading checked against its filing.