FirstCash Holdings, Inc. is an operator of pawn stores in the United States and Latin America. The Company is also a provider of technology-driven, retail point-of-sale (POS) payment solutions focused on serving credit-constrained consumers. The Company’s segments include U.S. pawn, Latin America pawn, and Retail POS payment solutions. The U.S. pawn segment consists of all pawn operations in the United States and the Latin America pawn segment consists of all pawn operations in Mexico, Guatemala, Colombia, and El Salvador. Its pawn stores help customers meet small short-term cash needs by providing non-recourse pawn loans and buying merchandise directly from customers. The retail POS payment solutions segment consists of the operations of AFF in the United States and Puerto Rico. The retail POS payment solutions segment focuses on providing lease-to-own (LTO) and retail financing payment options across a large network of traditional and e-commerce retail merchant partners.