FirstCash Holdings, Inc. - Senior Notes Offering

On May 1, 2026, FirstCash Holdings, Inc. completed a private offering of $750,000,000 in 6.125% senior notes due 2034. These notes are unsecured senior obligations of its subsidiary, FirstCash, Inc., and are guaranteed by the parent company and its domestic subsidiaries that also guarantee the revolving credit facility and existing senior unsecured notes. The offering was conducted as a private placement under Rule 144A and Regulation S. The notes accrue interest from May 1, 2026, payable semi-annually on May 1 and November 1, with the first payment due November 1, 2026. The notes mature on May 1, 2034. The issuer has the option to redeem the notes under certain conditions, including a "make-whole" premium before May 1, 2029, and at specified redemption prices on or after May 1, 2029. An offer to repurchase the notes is required upon certain asset sales or change-in-control transactions. The indenture includes covenants that restrict the company and its subsidiaries from incurring additional debt, paying dividends, repurchasing stock, making certain investments, creating liens, transferring assets, merging, or engaging in affiliate transactions, subject to specified exceptions. Customary events of default are also detailed.