FIRSTCASH HOLDINGS INC (FCFS) Stock Fundamental Analysis
USA - NASDAQ:FCFS - US33768G1076 - Common Stock
154.61 USD
-5.4 (-3.37%)
154.61 USD
0 (0%)
Taking everything into account, FCFS scores 6 out of 10 in our fundamental rating. FCFS was compared to 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.
Each year in the past 5 years FCFS has been profitable.
Each year in the past 5 years FCFS had a positive operating cash flow.
1.2 Ratios
FCFS has a Return On Assets of 6.46%. This is in the better half of the industry: FCFS outperforms 78.18% of its industry peers.
FCFS's Return On Equity of 13.63% is in line compared to the rest of the industry. FCFS outperforms 58.18% of its industry peers.
With a decent Return On Invested Capital value of 8.91%, FCFS is doing good in the industry, outperforming 72.73% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for FCFS is below the industry average of 11.61%.
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
FCFS's Profit Margin of 8.61% is in line compared to the rest of the industry. FCFS outperforms 47.27% of its industry peers.
In the last couple of years the Profit Margin of FCFS has declined.
FCFS has a Operating Margin (14.65%) which is comparable to the rest of the industry.
FCFS's Operating Margin has been stable in the last couple of years.
FCFS has a Gross Margin (49.45%) 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 | 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
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so FCFS is destroying value.
FCFS has less shares outstanding than it did 1 year ago.
FCFS has more shares outstanding than it did 5 years ago.
FCFS has a worse debt/assets ratio than last year.
2.2 Solvency
An Altman-Z score of 3.66 indicates that FCFS is not in any danger for bankruptcy at the moment.
FCFS's Altman-Z score of 3.66 is amongst the best of the industry. FCFS outperforms 89.09% of its industry peers.
The Debt to FCF ratio of FCFS is 4.33, which is a neutral value as it means it would take FCFS, 4.33 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 4.33, FCFS is in the better half of the industry, outperforming 76.36% of the companies in the same industry.
FCFS has a Debt/Equity ratio of 0.79. This is a neutral value indicating FCFS is somewhat dependend on debt financing.
FCFS's Debt to Equity ratio of 0.79 is fine compared to the rest of the industry. FCFS outperforms 65.45% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.79 | ||
| Debt/FCF | 4.33 | ||
| Altman-Z | 3.66 |
ROIC/WACC0.88
WACC10.12%
2.3 Liquidity
FCFS has a Current Ratio of 4.21. This indicates that FCFS is financially healthy and has no problem in meeting its short term obligations.
FCFS has a Current ratio of 4.21. This is amongst the best in the industry. FCFS outperforms 85.45% of its industry peers.
A Quick Ratio of 3.12 indicates that FCFS has no problem at all paying its short term obligations.
With a decent Quick ratio value of 3.12, FCFS is doing good in 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
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.
The Earnings Per Share has been growing by 11.52% on average over the past years. This is quite good.
Looking at the last year, FCFS shows a small growth in Revenue. The Revenue has grown by 3.86% in the last 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
FCFS is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 17.72% yearly.
FCFS is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 8.08% yearly.
EPS Next Y30.93%
EPS Next 2Y23.6%
EPS Next 3Y20.63%
EPS Next 5Y17.72%
Revenue Next Year5.73%
Revenue Next 2Y8.06%
Revenue Next 3Y8.08%
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.
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
A Price/Earnings ratio of 18.76 indicates a rather expensive valuation of FCFS.
FCFS's Price/Earnings ratio is a bit more expensive when compared to the industry. FCFS is more expensive than 67.27% of the companies in the same industry.
When comparing the Price/Earnings ratio of FCFS to the average of the S&P500 Index (25.56), we can say FCFS is valued slightly cheaper.
Based on the Price/Forward Earnings ratio of 15.08, the valuation of FCFS can be described as correct.
Based on the Price/Forward Earnings ratio, FCFS is valued a bit more expensive than 61.82% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 34.62. FCFS is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.76 | ||
| Fwd PE | 15.08 |
4.2 Price Multiples
FCFS's Enterprise Value to EBITDA ratio is in line with the industry average.
FCFS's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 17.63 | ||
| EV/EBITDA | 14.47 |
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.
A more expensive valuation may be justified as FCFS's earnings are expected to grow with 20.63% in the coming years.
PEG (NY)0.61
PEG (5Y)1.63
EPS Next 2Y23.6%
EPS Next 3Y20.63%
5. Dividend
5.1 Amount
FCFS has a Yearly Dividend Yield of 1.06%. Purely for dividend investing, there may be better candidates out there.
FCFS's Dividend Yield is comparable with the industry average which is at 4.69.
Compared to an average S&P500 Dividend Yield of 2.44, 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%
154.61
-5.4 (-3.37%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners87.91%
Inst Owner Change2.75%
Ins Owners2.63%
Ins Owner Change-10.76%
Market Cap6.86B
Revenue(TTM)3.49B
Net Income(TTM)291.77M
Analysts80
Price Target174.57 (12.91%)
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)12.22%
EPS NQ rev (1m)-1.65%
EPS NQ rev (3m)4.27%
EPS NY rev (1m)3.23%
EPS NY rev (3m)8.16%
Revenue NQ rev (1m)0.7%
Revenue NQ rev (3m)0.16%
Revenue NY rev (1m)4.26%
Revenue NY rev (3m)3.76%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.76 | ||
| Fwd PE | 15.08 | ||
| P/S | 2.02 | ||
| P/FCF | 17.63 | ||
| P/OCF | 12.36 | ||
| P/B | 3.2 | ||
| P/tB | 62.73 | ||
| EV/EBITDA | 14.47 |
EPS(TTM)8.24
EY5.33%
EPS(NY)10.25
Fwd EY6.63%
FCF(TTM)8.77
FCFY5.67%
OCF(TTM)12.51
OCFY8.09%
SpS76.38
BVpS48.25
TBVpS2.46
PEG (NY)0.61
PEG (5Y)1.63
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 | 3.66 |
F-Score8
WACC10.12%
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 5Y17.72%
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 18.76 and the Price/Book (PB) ratio is 3.2.
How financially healthy is FIRSTCASH HOLDINGS INC?
The financial health rating of FIRSTCASH HOLDINGS INC (FCFS) is 7 / 10.