167.43 USD
-4.55 (-2.65%)
167.43 USD
0 (0%)
FCFS gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 54 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.
- FCFS had a positive operating cash flow in the past year.
- FCFS had positive earnings in each of the past 5 years.
- Each year in the past 5 years FCFS had a positive operating cash flow.
1.2 Ratios
- FCFS's Return On Assets of 5.98% is fine compared to the rest of the industry. FCFS outperforms 74.07% of its industry peers.
- FCFS has a Return On Equity (14.08%) which is comparable to the rest of the industry.
- The Return On Invested Capital of FCFS (8.36%) is better than 70.37% of its industry peers.
- FCFS had an Average Return On Invested Capital over the past 3 years of 7.96%. This is below the industry average of 12.42%.
- The last Return On Invested Capital (8.36%) for FCFS is above the 3 year average (7.96%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.98% | ||
| ROE | 14.08% | ||
| ROIC | 8.36% |
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 of 8.88%. This is in the lower half of the industry: FCFS underperforms 61.11% of its industry peers.
- FCFS's Profit Margin has declined in the last couple of years.
- FCFS has a Operating Margin (15.38%) which is in line with 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 50.03%, FCFS is in line with its industry, outperforming 46.30% 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 | 15.38% | ||
| PM (TTM) | 8.88% | ||
| GM | 50.03% |
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) just above the Cost of Capital (WACC), FCFS is creating some 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
- The debt/assets ratio for FCFS is higher compared to a year ago.
2.2 Solvency
- An Altman-Z score of 3.30 indicates that FCFS is not in any danger for bankruptcy at the moment.
- FCFS's Altman-Z score of 3.30 is amongst the best of the industry. FCFS outperforms 90.74% of its industry peers.
- FCFS has a debt to FCF ratio of 5.57. This is a neutral value as FCFS would need 5.57 years to pay back of all of its debts.
- Looking at the Debt to FCF ratio, with a value of 5.57, FCFS is in the better half of the industry, outperforming 75.93% of the companies in the same industry.
- A Debt/Equity ratio of 1.01 is on the high side and indicates that FCFS has dependencies on debt financing.
- FCFS's Debt to Equity ratio of 1.01 is fine compared to the rest of the industry. FCFS outperforms 62.96% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.01 | ||
| Debt/FCF | 5.57 | ||
| Altman-Z | 3.3 |
ROIC/WACC1.04
WACC8.02%
2.3 Liquidity
- A Current Ratio of 4.99 indicates that FCFS has no problem at all paying its short term obligations.
- Looking at the Current ratio, with a value of 4.99, FCFS belongs to the top of the industry, outperforming 88.89% of the companies in the same industry.
- FCFS has a Quick Ratio of 3.72. 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 3.72, FCFS belongs to the top of the industry, outperforming 88.89% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 4.99 | ||
| Quick Ratio | 3.72 |
3. Growth
3.1 Past
- FCFS shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 24.28%, which is quite impressive.
- FCFS shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 11.52% yearly.
- The Revenue has been growing slightly by 3.86% in the past year.
- The Revenue has been growing by 12.69% on average over the past years. This is quite good.
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
- The Earnings Per Share is expected to grow by 17.72% on average over the next years. This is quite good.
- FCFS is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 8.49% yearly.
EPS Next Y30.93%
EPS Next 2Y23.6%
EPS Next 3Y20.63%
EPS Next 5Y17.72%
Revenue Next Year5.65%
Revenue Next 2Y8.07%
Revenue Next 3Y8.49%
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
- With a Price/Earnings ratio of 20.32, FCFS is valued on the expensive side.
- 68.52% of the companies in the same industry are cheaper than FCFS, based on the Price/Earnings ratio.
- FCFS's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.21.
- Based on the Price/Forward Earnings ratio of 16.33, the valuation of FCFS can be described as correct.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of FCFS indicates a slightly more expensive valuation: FCFS is more expensive than 64.81% of the companies listed in the same industry.
- FCFS is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 24.26, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 20.32 | ||
| Fwd PE | 16.33 |
4.2 Price Multiples
- FCFS's Enterprise Value to EBITDA ratio is in line with the industry average.
- FCFS's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 18.59 | ||
| EV/EBITDA | 15.04 |
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)0.66
PEG (5Y)1.76
EPS Next 2Y23.6%
EPS Next 3Y20.63%
5. Dividend
5.1 Amount
- With a yearly dividend of 0.99%, FCFS is not a good candidate for dividend investing.
- Compared to an average industry Dividend Yield of 2.58, FCFS has a dividend in line with its industry peers.
- Compared to an average S&P500 Dividend Yield of 1.82, FCFS's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.99% |
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
- 22.42% of the earnings are spent on dividend by FCFS. This is a low number and sustainable payout ratio.
- The dividend of FCFS is growing, but earnings are growing more, so the dividend growth is sustainable.
DP22.42%
EPS Next 2Y23.6%
EPS Next 3Y20.63%
FIRSTCASH HOLDINGS INC / FCFS FAQ
What is the ChartMill fundamental rating of FIRSTCASH HOLDINGS INC (FCFS) stock?
ChartMill assigns a fundamental rating of 6 / 10 to FCFS.
What is the valuation status of FIRSTCASH HOLDINGS INC (FCFS) stock?
ChartMill assigns a valuation rating of 4 / 10 to FIRSTCASH HOLDINGS INC (FCFS). This can be considered as Fairly Valued.
What is the profitability of 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 20.32 and the Price/Book (PB) ratio is 3.36.
Is the dividend of FIRSTCASH HOLDINGS INC sustainable?
The dividend rating of FIRSTCASH HOLDINGS INC (FCFS) is 5 / 10 and the dividend payout ratio is 22.42%.