debt_leverage_profile
0.98x Total Debt / Equity (Moderate leverage)
High
SEC-XBRL
interest_rate_sensitivity
Moderate
Medium
SEC-10K 0000840489-26-000032
geopolitical_supply_exposure
Medium intensity; China's 2025 export-licensing regime on rare-earth magnets and battery-grade graphite is the live chokepoint for auto and EV production, compounded by US Section 232 tariff expansion on steel, aluminum, and copper that repriced the sector's core metal inputs in 2025-2026.
Medium
GICS-commodity-overlay-v2
supply_chain_dependency
Low
Medium
SEC-10K 0000840489-26-000032
international_expansion_readiness
High
Medium
SEC-10K 0000840489-26-000032
geographic_footprint
Primarily domestic (U.S.) with significant international exposure
Medium
SEC-10K 0000840489-26-000032
commodity_exposure_profile
Medium intensity; commodities: steel, aluminum, petrochemical resins/plastics, copper, lithium and battery-grade materials (nickel, graphite), lumber, cotton; geopolitical: China's 2025 export-licensing regime on rare-earth magnets and battery-grade graphite is the live chokepoint for auto and EV production, compounded by US Section 232 tariff expansion on steel, aluminum, and copper that repriced the sector's core metal inputs in 2025-2026.
Medium
GICS-commodity-overlay-v2
vendor_lock_dependency_score
High
Medium
SEC-10K 0000840489-26-000032
business_model_type_primary
retailer / pawn operator / finance company
Medium
SEC-10K 0000840489-26-000032
business_model_type_secondary
POS payment solutions / lease-to-own / consumer finance company
Medium
SEC-10K 0000840489-26-000032
switching_cost_profile
Low
Medium
SEC-10K 0000840489-26-000032
howey_test_risk_index
Low
Medium
SEC-10K 0000840489-26-000032
regulatory_burden_tier
Medium
Medium
GICS-regulatory-overlay-v1
data_sovereignty_risk
High
Medium
SEC-10K 0000840489-26-000032
antitrust_exposure_flag
No
Medium
SEC-10K 0000840489-26-000032
regulatory_exposure_profile
Medium burden; regimes: FTC, CPSC, NLRB, CFPB, GDPR, SEC; Evolving consumer protection and data-privacy rules squeeze retail margins.
Medium
GICS-regulatory-overlay-v1
revenue_model_type
transactional / product sales
Medium
SEC-10K 0000840489-26-000032
monetization_vector
per-transaction / recurring fees
Medium
SEC-10K 0000840489-26-000032
pricing_architecture
Tiered / negotiated
Medium
SEC-10K 0000840489-26-000032
pricing_power_rating
Moderate
Medium
SEC-10K 0000840489-26-000032
target_gross_margin_bracket
110.3% Gross Margin (Premium (>60%))
High
SEC-XBRL
churn_vulnerability_index
Moderate
Medium
SEC-10K 0000840489-26-000032
headcount_cost_structure
38.1% OpEx / Revenue (High Cost Structure)
High
SEC-XBRL
marginal_cost_of_growth
83.5% OpEx as % Revenue (High Growth Cost)
High
SEC-XBRL
franchise_compliance_risk
N-A
Medium
SEC-10K 0000840489-26-000032
customer_acquisition_metric
Brick-and-mortar store locations; field sales representatives for AFF merchant acquisition; waterfall lending platforms; strategic integrations
Medium
SEC-10K 0000840489-26-000032
network_effect_present
Partial
Medium
SEC-10K 0000840489-26-000032
asset_efficiency_ratio
8.4% Return on Assets (Excellent)
High
SEC-XBRL
recession_resistance_tier
Mixed
Medium
SEC-10K 0000840489-26-000032
customer_segment_primary
consumer
Medium
SEC-10K 0000840489-26-000032
customer_segment_secondary
merchant / retailer
Medium
SEC-10K 0000840489-26-000032
characteristic_occupations
["11-0000 Management Occupations", "13-0000 Business and Financial Operations Occupations", "15-0000 Computer and Mathematical Occupations", "23-0000 Legal Occupations", "25-0000 Educational Instruction and Library Occupations", "27-0000 Arts, Design, Entertainment, Sports, and Media Occupations", "35-0000 Food Preparation and Serving Related Occupations", "39-0000 Personal Care and Service Occupations", "41-0000 Sales and Related Occupations", "43-0000 Office and Administrative Support Occupations", "49-0000 Installation, Maintenance, and Repair Occupations", "51-0000 Production Occupations", "53-0000 Transportation and Material Moving Occupations"]
High
SOC-2018/GICS-overlay
agent_automatable_labor_share
0.22 (HIL — ~22% of characteristic roles agent-automatable)
Medium
SOC-2018 + agentic-exposure-v2
capital_expenditure_profile
Capital is being deployed to new store openings in LatAm and AFF digital infrastructure; legacy US pawn capex is maintenance-oriented; growth capex tilt toward LatAm future-state expansion
Inferred
Agent_Inference
sec_cik
0000840489
High
SEC-EDGAR
ticker
FCFS
High
SEC-EDGAR
Filings_Dog_Scope
antitrust_exposure_flag,business_model_type_primary,business_model_type_secondary,churn_vulnerability_index,customer_acquisition_metric,customer_segment_primary,customer_segment_secondary,data_sovereignty_risk,franchise_compliance_risk,geographic_footprint,geopolitical_supply_exposure,headcount_cost_structure,howey_test_risk_index,interest_rate_sensitivity,international_expansion_readiness,marginal_cost_of_growth,monetization_vector,network_effect_present,pricing_architecture,pricing_power_rating,recession_resistance_tier,regulatory_burden_tier,revenue_model_type,supply_chain_dependency,switching_cost_profile,vendor_lock_dependency_score
High
SEC-10K 0000840489-26-000032
activist_13d_count_1y
0
High
SEC-13D/G registry, subject-verified
blockholder_13g_count_1y
4
High
SEC-13D/G registry, subject-verified
activist_last_13d_date
none in window
High
SEC-13D/G registry, subject-verified
insider_buys_6m
0
High
SEC-Form4 0000840489-26-000095..0000840489-26-000045
insider_sells_6m
14
High
SEC-Form4 0000840489-26-000095..0000840489-26-000045
insider_net_shares_6m
-41598
High
SEC-Form4 0000840489-26-000095..0000840489-26-000045
insider_last_transaction_date
2026-09-03
High
SEC-Form4 0000840489-26-000095..0000840489-26-000045
Insider_Dog_Checked
2026-10-01T20:10|activist_13d_count_1y,activist_last_13d_date,blockholder_13g_count_1y,insider_buys_6m,insider_last_transaction_date,insider_net_shares_6m,insider_sells_6m
High
SEC-Form4 registry