FIRSTCASH HOLDINGS INC (FCFS) Stock Fundamental Analysis
USA - NASDAQ:FCFS - US33768G1076 - Common Stock
158 USD
-3.63 (-2.25%)
158 USD
0 (0%)
We assign a fundamental rating of 6 out of 10 to FCFS. 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
FCFS had positive earnings in the past year.
In the past year FCFS had a positive cash flow from operations.
FCFS had positive earnings in each of the past 5 years.
FCFS had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
FCFS's Return On Assets of 6.46% is fine compared to the rest of the industry. FCFS outperforms 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 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 74.55% 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 last Return On Invested Capital (8.91%) for FCFS is above the 3 year average (7.96%), which is a sign of increasing profitability.
| 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.
In the last couple of years the Profit Margin of FCFS has declined.
FCFS has a better Operating Margin (14.65%) than 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.
FCFS's Gross Margin of 49.45% is in line compared to the rest of the industry. FCFS outperforms 47.27% of its industry peers.
FCFS's Gross Margin has declined in the last couple of years.
| 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
FCFS has an Altman-Z score of 3.63. 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 3.63, 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.
FCFS's Debt to FCF ratio of 4.33 is fine compared to the rest of the industry. FCFS outperforms 76.36% of its industry peers.
A Debt/Equity ratio of 0.79 indicates that FCFS is somewhat dependend on debt financing.
The Debt to Equity ratio of FCFS (0.79) is better than 67.27% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.79 | ||
| Debt/FCF | 4.33 | ||
| Altman-Z | 3.63 |
ROIC/WACC0.87
WACC10.21%
2.3 Liquidity
A Current Ratio of 4.21 indicates that FCFS has no problem at all paying its short term obligations.
Looking at the Current ratio, with a value of 4.21, FCFS belongs to the top of the industry, outperforming 85.45% of the companies in the same industry.
A Quick Ratio of 3.12 indicates that FCFS has no problem at all paying its short term obligations.
FCFS's Quick ratio of 3.12 is fine compared to the rest of the industry. FCFS outperforms 80.00% of its industry peers.
| 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.
FCFS shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 11.52% yearly.
FCFS shows a small growth in Revenue. In the last year, the Revenue has grown by 3.86%.
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.
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 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
FCFS is valuated rather expensively with a Price/Earnings ratio of 19.17.
67.27% 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 25.91.
The Price/Forward Earnings ratio is 15.41, which indicates a correct valuation of FCFS.
FCFS's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. FCFS is more expensive than 61.82% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 34.57, FCFS is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 19.17 | ||
| Fwd PE | 15.41 |
4.2 Price Multiples
FCFS's Enterprise Value to EBITDA ratio is in line with the industry average.
The rest of the industry has a similar Price/Free Cash Flow ratio as FCFS.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 18.01 | ||
| EV/EBITDA | 14.32 |
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'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)1.66
EPS Next 2Y23.6%
EPS Next 3Y20.63%
5. Dividend
5.1 Amount
FCFS has a Yearly Dividend Yield of 1.04%.
Compared to an average industry Dividend Yield of 4.73, FCFS has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.36, FCFS's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.04% |
5.2 History
The dividend of FCFS is nicely growing with an annual growth rate of 7.40%!
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)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
-3.63 (-2.25%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners87.91%
Inst Owner Change0.01%
Ins Owners2.63%
Ins Owner Change-10.12%
Market Cap7.01B
Revenue(TTM)3.49B
Net Income(TTM)291.77M
Analysts80
Price Target174.57 (10.49%)
Short Float %1.41%
Short Ratio1.83
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.04% |
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)0.74%
Revenue NQ rev (3m)0.16%
Revenue NY rev (1m)4.26%
Revenue NY rev (3m)3.76%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 19.17 | ||
| Fwd PE | 15.41 | ||
| P/S | 2.07 | ||
| P/FCF | 18.01 | ||
| P/OCF | 12.63 | ||
| P/B | 3.27 | ||
| P/tB | 64.1 | ||
| EV/EBITDA | 14.32 |
EPS(TTM)8.24
EY5.22%
EPS(NY)10.25
Fwd EY6.49%
FCF(TTM)8.77
FCFY5.55%
OCF(TTM)12.51
OCFY7.91%
SpS76.38
BVpS48.25
TBVpS2.46
PEG (NY)0.62
PEG (5Y)1.66
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 | 3.63 |
F-Score8
WACC10.21%
ROIC/WACC0.87
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 19.17 and the Price/Book (PB) ratio is 3.27.
How financially healthy is FIRSTCASH HOLDINGS INC?
The financial health rating of FIRSTCASH HOLDINGS INC (FCFS) is 7 / 10.