Forward-Looking Statements

Statements that First Cash Financial Services, Inc. may publish, including those on this Web site, that are not strictly historical are "forward-looking" statements under the safe harbor provisions of the Private Securities Litigation Reform Act of 1995. Forward-looking statements involve known and unknown risks, which may cause actual results and corporate developments to differ materially from those expected. All phases of the Company's operations are subject to a number of uncertainties, risks and other influences, many of which are outside the control of the Company and cannot be predicted with any degree of accuracy, and may include, without limitation, the following:

  • changes in foreign currency exchange rates and the U.S. dollar to the Mexican peso and Guatemalan quetzal exchange rates in particular;
  • new federal, state or local legislative initiatives or governmental regulations (or changes to existing laws and regulations) affecting pawn businesses, consumer loan businesses and credit services organizations (in the United States, Mexico, Guatemala and El Salvador), including administrative or legal interpretations thereto;
  • changes in consumer demand, including purchasing, borrowing and repayment behaviors;
  • changes in regional, national or international economic conditions, including inflation rates, unemployment rates and energy prices;
  • changes in pawn forfeiture rates and credit loss provisions;
  • changes in the market value of pawn collateral and merchandise inventories, including gold prices and the value of consumer electronics and other products;
  • changes or increases in competition;
  • the ability to locate, open and staff new stores and successfully integrate acquisitions;
  • the availability or access to sources of used merchandise inventory;
  • changes in credit markets, interest rates and the ability to establish, renew and/or extend the Company’s debt financing;
  • the ability to maintain banking relationships for treasury services and processing of certain consumer lending transactions;
  • the ability to hire and retain key management personnel;
  • risks and uncertainties related to foreign operations in Mexico, Guatemala and El Salvador;
  • changes in import/export regulations and tariffs or duties;
  • changes in banking, anti-money laundering or gun control regulations;
  • unforeseen litigation;
  • changes in tax rates or policies in the U.S., Mexico, Guatemala and El Salvador;
  • inclement weather, natural disasters and public health issues;
  • security breaches, cyber attacks or fraudulent activity;
  • a prolonged interruption in the Company’s operations of its facilities, systems, and business functions, including its information technology and other business systems;
  • the implementation of new, or changes in the interpretation of existing, accounting principles or financial reporting requirements;
  • future business decisions;
  • the risk that the required stockholder approvals to approve the proposed transaction with Cash America may not be obtained; 
  • the risks that the other condition(s) to closing of the proposed transaction may not be satisfied; 
  • the length of time necessary to consummate the proposed transaction; 
  • the conditions to closing the 2016 Credit Facility may not be satisfied;
  • the risk that the Company and the Cash America businesses will not be integrated successfully; 
  • the risk that the cost savings, synergies, growth and cash flows from the proposed transaction may not be fully realized or may take longer to realize than expected; 
  • the diversion of management time on transaction-related issues; 
  • the risk that costs associated with the integration of the Company and Cash America are higher than anticipated; and 
  • litigation risk related to the proposed transaction.

These and other uncertainties may cause results to differ materially from those anticipated by some of the statements made on this Web site or other risks described from time to time in each of First Cash's SEC reports including quarterly reports on Form 10-Q, annual reports on Form 10-K, and reports on Form 8-K.

Statements that First Cash Financial Services, Inc. may publish, including those on this Web site, that are not strictly historical are "forward-looking" statements under the safe harbor provisions of the Private Securities Litigation Reform Act of 1995. Forward-looking statements involve known and unknown risks, which may cause actual results and corporate developments to differ materially from those expected. All phases of the Company's operations are subject to a number of uncertainties, risks and other influences, many of which are outside the control of the Company and cannot be predicted with any degree of accuracy, and may include, without limitation, the following:

  • changes in foreign currency exchange rates and the U.S. dollar to the Mexican peso and Guatemalan quetzal exchange rates in particular;
  • new federal, state or local legislative initiatives or governmental regulations (or changes to existing laws and regulations) affecting pawn businesses, consumer loan businesses and credit services organizations (in the United States, Mexico, Guatemala and El Salvador), including administrative or legal interpretations thereto;
  • changes in consumer demand, including purchasing, borrowing and repayment behaviors;
  • changes in regional, national or international economic conditions, including inflation rates, unemployment rates and energy prices;
  • changes in pawn forfeiture rates and credit loss provisions;
  • changes in the market value of pawn collateral and merchandise inventories, including gold prices and the value of consumer electronics and other products;
  • changes or increases in competition;
  • the ability to locate, open and staff new stores and successfully integrate acquisitions;
  • the availability or access to sources of used merchandise inventory;
  • changes in credit markets, interest rates and the ability to establish, renew and/or extend the Company’s debt financing;
  • the ability to maintain banking relationships for treasury services and processing of certain consumer lending transactions;
  • the ability to hire and retain key management personnel;
  • risks and uncertainties related to foreign operations in Mexico, Guatemala and El Salvador;
  • changes in import/export regulations and tariffs or duties;
  • changes in banking, anti-money laundering or gun control regulations;
  • unforeseen litigation;
  • changes in tax rates or policies in the U.S., Mexico, Guatemala and El Salvador;
  • inclement weather, natural disasters and public health issues;
  • security breaches, cyber attacks or fraudulent activity;
  • a prolonged interruption in the Company’s operations of its facilities, systems, and business functions, including its information technology and other business systems;
  • the implementation of new, or changes in the interpretation of existing, accounting principles or financial reporting requirements;
  • future business decisions;
  • the risk that the required stockholder approvals to approve the proposed transaction with Cash America may not be obtained; 
  • the risks that the other condition(s) to closing of the proposed transaction may not be satisfied; 
  • the length of time necessary to consummate the proposed transaction; 
  • the conditions to closing the 2016 Credit Facility may not be satisfied;
  • the risk that the Company and the Cash America businesses will not be integrated successfully; 
  • the risk that the cost savings, synergies, growth and cash flows from the proposed transaction may not be fully realized or may take longer to realize than expected; 
  • the diversion of management time on transaction-related issues; 
  • the risk that costs associated with the integration of the Company and Cash America are higher than anticipated; and 
  • litigation risk related to the proposed transaction.

These and other uncertainties may cause results to differ materially from those anticipated by some of the statements made on this Web site or other risks described from time to time in each of First Cash's SEC reports including quarterly reports on Form 10-Q, annual reports on Form 10-K, and reports on Form 8-K.

Investor Contact

CAPTCHA
This question is for testing whether or not you are a human visitor and to prevent automated spam submissions.
Image CAPTCHA
Enter the characters shown in the image.

Request an Investor Packet

CAPTCHA
This question is for testing whether or not you are a human visitor and to prevent automated spam submissions.
Image CAPTCHA
Enter the characters shown in the image.