FIRSTCASH HOLDINGS INC (FCFS) Stock Fundamental Analysis
USA - NASDAQ:FCFS - US33768G1076 - Common Stock
158.83 USD
+0.33 (+0.21%)
158.83 USD
0 (0%)
FCFS gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 55 industry peers in the Consumer Finance industry. FCFS is in great health and has no worries on liquidiy or solvency at all, but the profibility rating is only average. FCFS has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
In the past year FCFS was profitable.
In the past year FCFS had a positive cash flow from operations.
In the past 5 years FCFS has always been profitable.
FCFS had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
The Return On Assets of FCFS (6.46%) is better than 78.18% of its industry peers.
FCFS has a Return On Equity of 13.63%. This is comparable to the rest of the industry: FCFS outperforms 60.00% of its industry peers.
FCFS's Return On Invested Capital of 8.91% is fine compared to the rest of the industry. FCFS outperforms 74.55% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for FCFS is below the industry average of 11.72%.
The 3 year average ROIC (7.96%) for FCFS is below the current ROIC(8.91%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 6.46% | ||
| ROE | 13.63% | ||
| ROIC | 8.91% |
ROA(3y)5.79%
ROA(5y)5.03%
ROE(3y)12.36%
ROE(5y)10.46%
ROIC(3y)7.96%
ROIC(5y)7.08%
1.3 Margins
The Profit Margin of FCFS (8.61%) is comparable to the rest of the industry.
FCFS's Profit Margin has declined in the last couple of years.
FCFS has a Operating Margin of 14.65%. This is in the better half of the industry: FCFS outperforms 61.82% of its industry peers.
In the last couple of years the Operating Margin of FCFS has remained more or less at the same level.
Looking at the Gross Margin, with a value of 49.45%, FCFS is in line with its industry, outperforming 47.27% of the companies in the same industry.
In the last couple of years the Gross Margin of FCFS has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 14.65% | ||
| PM (TTM) | 8.61% | ||
| GM | 49.45% |
OM growth 3Y1.69%
OM growth 5Y-0.82%
PM growth 3Y1.28%
PM growth 5Y-2.86%
GM growth 3Y-3.85%
GM growth 5Y-2.51%
2. Health
2.1 Basic Checks
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), FCFS is destroying value.
The number of shares outstanding for FCFS has been reduced compared to 1 year ago.
Compared to 5 years ago, FCFS has more shares outstanding
Compared to 1 year ago, FCFS has a worse debt to assets ratio.
2.2 Solvency
FCFS has an Altman-Z score of 3.64. This indicates that FCFS is financially healthy and has little risk of bankruptcy at the moment.
Looking at the Altman-Z score, with a value of 3.64, FCFS belongs to the top of the industry, outperforming 90.91% of the companies in the same industry.
FCFS has a debt to FCF ratio of 4.33. This is a neutral value as FCFS would need 4.33 years to pay back of all of its debts.
The Debt to FCF ratio of FCFS (4.33) is better than 76.36% of its industry peers.
FCFS has a Debt/Equity ratio of 0.79. This is a neutral value indicating FCFS is somewhat dependend on debt financing.
With a decent Debt to Equity ratio value of 0.79, FCFS is doing good in the industry, outperforming 67.27% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.79 | ||
| Debt/FCF | 4.33 | ||
| Altman-Z | 3.64 |
ROIC/WACC0.88
WACC10.17%
2.3 Liquidity
A Current Ratio of 4.21 indicates that FCFS has no problem at all paying its short term obligations.
FCFS has a better Current ratio (4.21) than 85.45% of its industry peers.
FCFS has a Quick Ratio of 3.12. This indicates that FCFS is financially healthy and has no problem in meeting its short term obligations.
Looking at the Quick ratio, with a value of 3.12, FCFS is in the better half of the industry, outperforming 80.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 4.21 | ||
| Quick Ratio | 3.12 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 24.28% over the past year.
The Earnings Per Share has been growing by 11.52% on average over the past years. This is quite good.
The Revenue has been growing slightly by 3.86% in the past year.
FCFS shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 12.69% yearly.
EPS 1Y (TTM)24.28%
EPS 3Y19.62%
EPS 5Y11.52%
EPS Q2Q%35.33%
Revenue 1Y (TTM)3.86%
Revenue growth 3Y25.87%
Revenue growth 5Y12.69%
Sales Q2Q%11.73%
3.2 Future
Based on estimates for the next years, FCFS will show a quite strong growth in Earnings Per Share. The EPS will grow by 14.42% on average per year.
The Revenue is expected to grow by 8.08% on average over the next years. This is quite good.
EPS Next Y30.93%
EPS Next 2Y23.6%
EPS Next 3Y20.63%
EPS Next 5Y14.42%
Revenue Next Year5.73%
Revenue Next 2Y8.06%
Revenue Next 3Y8.08%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 19.28, the valuation of FCFS can be described as rather expensive.
Based on the Price/Earnings ratio, FCFS is valued a bit more expensive than 65.45% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.51, FCFS is valued a bit cheaper.
Based on the Price/Forward Earnings ratio of 15.49, the valuation of FCFS can be described as correct.
FCFS's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. FCFS is more expensive than 60.00% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 22.53. FCFS is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 19.28 | ||
| Fwd PE | 15.49 |
4.2 Price Multiples
FCFS's Enterprise Value to EBITDA is on the same level as the industry average.
FCFS's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 18.11 | ||
| EV/EBITDA | 14.36 |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
FCFS's earnings are expected to grow with 20.63% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.62
PEG (5Y)1.67
EPS Next 2Y23.6%
EPS Next 3Y20.63%
5. Dividend
5.1 Amount
FCFS has a Yearly Dividend Yield of 1.06%.
Compared to an average industry Dividend Yield of 4.78, FCFS has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.38, FCFS's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.06% |
5.2 History
On average, the dividend of FCFS grows each year by 7.40%, which is quite nice.
FCFS has been paying a dividend for at least 10 years, so it has a reliable track record.
FCFS has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
Dividend Growth(5Y)7.4%
Div Incr Years8
Div Non Decr Years8
5.3 Sustainability
23.24% of the earnings are spent on dividend by FCFS. This is a low number and sustainable payout ratio.
FCFS's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP23.24%
EPS Next 2Y23.6%
EPS Next 3Y20.63%
158.83
+0.33 (+0.21%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners87.91%
Inst Owner Change-0.36%
Ins Owners2.63%
Ins Owner Change-9.96%
Market Cap7.05B
Revenue(TTM)3.49B
Net Income(TTM)291.77M
Analysts80
Price Target174.57 (9.91%)
Short Float %1.41%
Short Ratio1.83
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.06% |
Yearly Dividend1.46
Dividend Growth(5Y)7.4%
DP23.24%
Div Incr Years8
Div Non Decr Years8
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)10.88%
Min EPS beat(2)5.03%
Max EPS beat(2)16.73%
EPS beat(4)4
Avg EPS beat(4)6.49%
Min EPS beat(4)0.98%
Max EPS beat(4)16.73%
EPS beat(8)7
Avg EPS beat(8)6.29%
EPS beat(12)11
Avg EPS beat(12)6.85%
EPS beat(16)15
Avg EPS beat(16)8.22%
Revenue beat(2)0
Avg Revenue beat(2)-1.44%
Min Revenue beat(2)-1.87%
Max Revenue beat(2)-1.01%
Revenue beat(4)0
Avg Revenue beat(4)-2.27%
Min Revenue beat(4)-3.47%
Max Revenue beat(4)-1.01%
Revenue beat(8)1
Avg Revenue beat(8)-1.92%
Revenue beat(12)3
Avg Revenue beat(12)-1.32%
Revenue beat(16)5
Avg Revenue beat(16)-0.48%
PT rev (1m)5.43%
PT rev (3m)14.67%
EPS NQ rev (1m)0.88%
EPS NQ rev (3m)6.95%
EPS NY rev (1m)0%
EPS NY rev (3m)4.78%
Revenue NQ rev (1m)0.75%
Revenue NQ rev (3m)0.17%
Revenue NY rev (1m)0.17%
Revenue NY rev (3m)-0.31%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 19.28 | ||
| Fwd PE | 15.49 | ||
| P/S | 2.08 | ||
| P/FCF | 18.11 | ||
| P/OCF | 12.7 | ||
| P/B | 3.29 | ||
| P/tB | 64.44 | ||
| EV/EBITDA | 14.36 |
EPS(TTM)8.24
EY5.19%
EPS(NY)10.25
Fwd EY6.45%
FCF(TTM)8.77
FCFY5.52%
OCF(TTM)12.51
OCFY7.87%
SpS76.38
BVpS48.25
TBVpS2.46
PEG (NY)0.62
PEG (5Y)1.67
Graham Number94.58
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 6.46% | ||
| ROE | 13.63% | ||
| ROCE | 11.85% | ||
| ROIC | 8.91% | ||
| ROICexc | 9.13% | ||
| ROICexgc | 18.16% | ||
| OM | 14.65% | ||
| PM (TTM) | 8.61% | ||
| GM | 49.45% | ||
| FCFM | 11.48% |
ROA(3y)5.79%
ROA(5y)5.03%
ROE(3y)12.36%
ROE(5y)10.46%
ROIC(3y)7.96%
ROIC(5y)7.08%
ROICexc(3y)8.26%
ROICexc(5y)7.33%
ROICexgc(3y)17.47%
ROICexgc(5y)15.63%
ROCE(3y)10.59%
ROCE(5y)9.41%
ROICexgc growth 3Y14.69%
ROICexgc growth 5Y0.69%
ROICexc growth 3Y20.73%
ROICexc growth 5Y-0.74%
OM growth 3Y1.69%
OM growth 5Y-0.82%
PM growth 3Y1.28%
PM growth 5Y-2.86%
GM growth 3Y-3.85%
GM growth 5Y-2.51%
F-Score8
Asset Turnover0.75
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.79 | ||
| Debt/FCF | 4.33 | ||
| Debt/EBITDA | 2.81 | ||
| Cap/Depr | 159.68% | ||
| Cap/Sales | 4.89% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 92.44% | ||
| Profit Quality | 133.35% | ||
| Current Ratio | 4.21 | ||
| Quick Ratio | 3.12 | ||
| Altman-Z | 3.64 |
F-Score8
WACC10.17%
ROIC/WACC0.88
Cap/Depr(3y)100.33%
Cap/Depr(5y)96.31%
Cap/Sales(3y)3.33%
Cap/Sales(5y)2.95%
Profit Quality(3y)150.1%
Profit Quality(5y)153.76%
High Growth Momentum
Growth
EPS 1Y (TTM)24.28%
EPS 3Y19.62%
EPS 5Y11.52%
EPS Q2Q%35.33%
EPS Next Y30.93%
EPS Next 2Y23.6%
EPS Next 3Y20.63%
EPS Next 5Y14.42%
Revenue 1Y (TTM)3.86%
Revenue growth 3Y25.87%
Revenue growth 5Y12.69%
Sales Q2Q%11.73%
Revenue Next Year5.73%
Revenue Next 2Y8.06%
Revenue Next 3Y8.08%
Revenue Next 5YN/A
EBIT growth 1Y15.85%
EBIT growth 3Y28%
EBIT growth 5Y11.76%
EBIT Next Year56.88%
EBIT Next 3Y32.78%
EBIT Next 5YN/A
FCF growth 1Y-3.69%
FCF growth 3Y28.61%
FCF growth 5Y15.54%
OCF growth 1Y23.77%
OCF growth 3Y34.22%
OCF growth 5Y18.45%
FIRSTCASH HOLDINGS INC / FCFS FAQ
Can you provide the ChartMill fundamental rating for FIRSTCASH HOLDINGS INC?
ChartMill assigns a fundamental rating of 6 / 10 to FCFS.
What is the valuation status for FCFS stock?
ChartMill assigns a valuation rating of 4 / 10 to FIRSTCASH HOLDINGS INC (FCFS). This can be considered as Fairly Valued.
How profitable is FIRSTCASH HOLDINGS INC (FCFS) stock?
FIRSTCASH HOLDINGS INC (FCFS) has a profitability rating of 5 / 10.
Can you provide the PE and PB ratios for FCFS stock?
The Price/Earnings (PE) ratio for FIRSTCASH HOLDINGS INC (FCFS) is 19.28 and the Price/Book (PB) ratio is 3.29.
How financially healthy is FIRSTCASH HOLDINGS INC?
The financial health rating of FIRSTCASH HOLDINGS INC (FCFS) is 7 / 10.