FIRSTCASH HOLDINGS INC (FCFS) Stock Fundamental Analysis
NASDAQ:FCFS - Nasdaq - US33768G1076 - Common Stock - Currency: USD
Overall FCFS gets a fundamental rating of 6 out of 10. We evaluated FCFS against 53 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 is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
FCFS had positive earnings in the past year.
FCFS had a positive operating cash flow in the past year.
FCFS had positive earnings in each of the past 5 years.
FCFS had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
FCFS has a better Return On Assets (5.57%) than 82.69% of its industry peers.
Looking at the Return On Equity, with a value of 12.25%, FCFS is in line with its industry, outperforming 59.62% of the companies in the same industry.
FCFS has a Return On Invested Capital of 8.04%. This is amongst the best in the industry. FCFS outperforms 80.77% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for FCFS is in line with the industry average of 7.32%.
The 3 year average ROIC (7.96%) for FCFS is below the current ROIC(8.04%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.57% | ||
| ROE | 12.25% | ||
| ROIC | 8.04% |
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
FCFS has a Profit Margin (7.29%) which is comparable to the rest of the industry.
FCFS's Profit Margin has declined in the last couple of years.
The Operating Margin of FCFS (13.01%) is better than 61.54% of its industry peers.
In the last couple of years the Operating Margin of FCFS has remained more or less at the same level.
FCFS has a Gross Margin (48.07%) which is comparable to the rest of the industry.
In the last couple of years the Gross Margin of FCFS has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 13.01% | ||
| PM (TTM) | 7.29% | ||
| GM | 48.07% |
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.
The number of shares outstanding for FCFS has been increased compared to 5 years ago.
Compared to 1 year ago, FCFS has a worse debt to assets ratio.
2.2 Solvency
An Altman-Z score of 3.06 indicates that FCFS is not in any danger for bankruptcy at the moment.
FCFS has a better Altman-Z score (3.06) than 86.54% of its industry peers.
The Debt to FCF ratio of FCFS is 4.66, which is a neutral value as it means it would take FCFS, 4.66 years of fcf income to pay off all of its debts.
FCFS has a better Debt to FCF ratio (4.66) than 69.23% of its industry peers.
FCFS has a Debt/Equity ratio of 0.87. This is a neutral value indicating FCFS is somewhat dependend on debt financing.
The Debt to Equity ratio of FCFS (0.87) is better than 63.46% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.87 | ||
| Debt/FCF | 4.66 | ||
| Altman-Z | 3.06 |
ROIC/WACC0.95
WACC8.44%
2.3 Liquidity
FCFS has a Current Ratio of 4.31. This indicates that FCFS is financially healthy and has no problem in meeting its short term obligations.
The Current ratio of FCFS (4.31) is better than 82.69% of its industry peers.
A Quick Ratio of 3.23 indicates that FCFS has no problem at all paying its short term obligations.
With an excellent Quick ratio value of 3.23, FCFS belongs to the best of the industry, outperforming 80.77% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 4.31 | ||
| Quick Ratio | 3.23 |
3. Growth
3.1 Past
FCFS shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 10.54%, which is quite good.
Measured over the past years, FCFS shows a quite strong growth in Earnings Per Share. The EPS has been growing by 11.52% on average per year.
The Revenue has been growing slightly by 7.51% in the past year.
Measured over the past years, FCFS shows a quite strong growth in Revenue. The Revenue has been growing by 12.69% on average per year.
EPS 1Y (TTM)10.54%
EPS 3Y19.62%
EPS 5Y11.52%
EPS Q2Q%3.92%
Revenue 1Y (TTM)7.51%
Revenue growth 3Y25.87%
Revenue growth 5Y12.69%
Sales Q2Q%3.72%
3.2 Future
The Earnings Per Share is expected to grow by 19.00% on average over the next years. This is quite good.
FCFS is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.36% yearly.
EPS Next Y20.08%
EPS Next 2Y19%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year0.12%
Revenue Next 2Y2.74%
Revenue Next 3Y4.36%
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 16.78 indicates a correct valuation of FCFS.
The rest of the industry has a similar Price/Earnings ratio as FCFS.
When comparing the Price/Earnings ratio of FCFS to the average of the S&P500 Index (28.47), we can say FCFS is valued slightly cheaper.
The Price/Forward Earnings ratio is 13.97, which indicates a correct valuation of FCFS.
FCFS's Price/Forward Earnings ratio is in line with the industry average.
FCFS is valuated cheaply when we compare the Price/Forward Earnings ratio to 92.74, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.78 | ||
| Fwd PE | 13.97 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, FCFS is valued a bit cheaper than the industry average as 71.15% of the companies are valued more expensively.
FCFS's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 13.56 | ||
| EV/EBITDA | 12.27 |
4.3 Compensation for Growth
FCFS's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
FCFS has a very decent profitability rating, which may justify a higher PE ratio.
FCFS's earnings are expected to grow with 19.00% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.84
PEG (5Y)1.46
EPS Next 2Y19%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 1.40%, FCFS has a reasonable but not impressive dividend return.
FCFS's Dividend Yield is a higher than the industry average which is at 4.35.
FCFS's Dividend Yield is slightly below the S&P500 average, which is at 2.28.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.4% |
5.2 History
The dividend of FCFS is nicely growing with an annual growth rate of 8.41%!
FCFS has paid a dividend for at least 10 years, which is 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)8.41%
Div Incr Years8
Div Non Decr Years8
5.3 Sustainability
FCFS pays out 26.36% of its income as dividend. This is a sustainable payout ratio.
FCFS's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP26.36%
EPS Next 2Y19%
EPS Next 3YN/A
FIRSTCASH HOLDINGS INC
NASDAQ:FCFS (2/4/2025, 8:00:02 PM)
After market: 112.59 0 (0%)112.59
+4.21 (+3.88%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners83.3%
Inst Owner Change-0.77%
Ins Owners2.73%
Ins Owner Change8.15%
Market Cap5.04B
Analysts81.67
Price Target136.88 (21.57%)
Short Float %1.45%
Short Ratio2.52
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.4% |
Yearly Dividend1.35
Dividend Growth(5Y)8.41%
DP26.36%
Div Incr Years8
Div Non Decr Years8
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)1.43%
Min EPS beat(2)0.98%
Max EPS beat(2)1.89%
EPS beat(4)3
Avg EPS beat(4)3.54%
Min EPS beat(4)-0.29%
Max EPS beat(4)11.57%
EPS beat(8)7
Avg EPS beat(8)5.37%
EPS beat(12)11
Avg EPS beat(12)8.77%
EPS beat(16)15
Avg EPS beat(16)8.7%
Revenue beat(2)0
Avg Revenue beat(2)-1.98%
Min Revenue beat(2)-2.73%
Max Revenue beat(2)-1.23%
Revenue beat(4)0
Avg Revenue beat(4)-2.29%
Min Revenue beat(4)-3.09%
Max Revenue beat(4)-1.23%
Revenue beat(8)3
Avg Revenue beat(8)-0.94%
Revenue beat(12)5
Avg Revenue beat(12)0.27%
Revenue beat(16)7
Avg Revenue beat(16)0.48%
PT rev (1m)-0.74%
PT rev (3m)-0.59%
EPS NQ rev (1m)-0.4%
EPS NQ rev (3m)-1.36%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.25%
Revenue NQ rev (1m)-0.12%
Revenue NQ rev (3m)-0.08%
Revenue NY rev (1m)-0.03%
Revenue NY rev (3m)-0.33%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.78 | ||
| Fwd PE | 13.97 | ||
| P/S | 1.5 | ||
| P/FCF | 13.56 | ||
| P/OCF | 11.43 | ||
| P/B | 2.52 | ||
| P/tB | N/A | ||
| EV/EBITDA | 12.27 |
EPS(TTM)6.71
EY5.96%
EPS(NY)8.06
Fwd EY7.16%
FCF(TTM)8.3
FCFY7.37%
OCF(TTM)9.85
OCFY8.75%
SpS75.01
BVpS44.67
TBVpS-0.69
PEG (NY)0.84
PEG (5Y)1.46
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.57% | ||
| ROE | 12.25% | ||
| ROCE | 10.69% | ||
| ROIC | 8.04% | ||
| ROICexc | 8.25% | ||
| ROICexgc | 16.86% | ||
| OM | 13.01% | ||
| PM (TTM) | 7.29% | ||
| GM | 48.07% | ||
| FCFM | 11.07% |
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%
ROICexcg growth 3Y14.69%
ROICexcg 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 Turnover0.76
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.87 | ||
| Debt/FCF | 4.66 | ||
| Debt/EBITDA | 3.19 | ||
| Cap/Depr | 65.44% | ||
| Cap/Sales | 2.07% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 81.23% | ||
| Profit Quality | 151.7% | ||
| Current Ratio | 4.31 | ||
| Quick Ratio | 3.23 | ||
| Altman-Z | 3.06 |
F-Score8
WACC8.44%
ROIC/WACC0.95
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)10.54%
EPS 3Y19.62%
EPS 5Y11.52%
EPS Q2Q%3.92%
EPS Next Y20.08%
EPS Next 2Y19%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)7.51%
Revenue growth 3Y25.87%
Revenue growth 5Y12.69%
Sales Q2Q%3.72%
Revenue Next Year0.12%
Revenue Next 2Y2.74%
Revenue Next 3Y4.36%
Revenue Next 5YN/A
EBIT growth 1Y11.51%
EBIT growth 3Y28%
EBIT growth 5Y11.76%
EBIT Next Year52.78%
EBIT Next 3Y23.81%
EBIT Next 5YN/A
FCF growth 1Y-8.92%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-4.26%
OCF growth 3YN/A
OCF growth 5YN/A