FIRSTCASH HOLDINGS INC (FCFS) Stock Fundamental Analysis
USA - NASDAQ:FCFS - US33768G1076 - Common Stock
154.73 USD
-5.28 (-3.3%)
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. While FCFS has a great health rating, its profitability is only average at the moment. 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.
In the past 5 years FCFS has always been profitable.
Each year in the past 5 years FCFS had a positive operating cash flow.
1.2 Ratios
FCFS has a better Return On Assets (6.46%) than 78.18% of its industry peers.
Looking at the Return On Equity, with a value of 13.63%, FCFS is in line with its industry, outperforming 58.18% of the companies in the same industry.
The Return On Invested Capital of FCFS (8.91%) is better than 72.73% 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 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.
FCFS's Profit Margin has declined in the last couple of years.
FCFS has a Operating Margin of 14.65%. This is comparable to the rest of the industry: FCFS outperforms 60.00% 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 of 49.45%. This is comparable 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
FCFS has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
FCFS has less shares outstanding than it did 1 year ago.
The number of shares outstanding for FCFS has been increased compared to 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.
Looking at the Altman-Z score, with a value of 3.66, FCFS belongs to the top of the industry, outperforming 89.09% 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.
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
WACC10.13%
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.
FCFS has a Quick ratio of 3.12. This is in the better half 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
The Earnings Per Share has grown by an impressive 24.28% over the past year.
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%.
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)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 17.72% on average per year.
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
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
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 18.78 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.
The average S&P500 Price/Earnings ratio is at 25.89. FCFS is valued slightly cheaper when compared to this.
The Price/Forward Earnings ratio is 15.09, which indicates a correct valuation of FCFS.
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 61.82% of the companies listed in the same industry.
When comparing the Price/Forward Earnings ratio of FCFS to the average of the S&P500 Index (34.59), we can say FCFS is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.78 | ||
| Fwd PE | 15.09 |
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 | 17.64 | ||
| EV/EBITDA | 14.47 |
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)0.61
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%.
Compared to an average industry Dividend Yield of 4.70, FCFS has a dividend in line with its industry peers.
With a Dividend Yield of 1.06, FCFS pays less dividend than the S&P500 average, which is at 2.44.
| 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.
As FCFS did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
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.
The dividend of FCFS is growing, but earnings are growing more, so the dividend growth is sustainable.
DP23.24%
EPS Next 2Y23.6%
EPS Next 3Y20.63%
NASDAQ:FCFS (11/17/2025, 3:58:50 PM)
154.73
-5.28 (-3.3%)
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 (12.82%)
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 | 18.78 | ||
| Fwd PE | 15.09 | ||
| P/S | 2.03 | ||
| P/FCF | 17.64 | ||
| P/OCF | 12.37 | ||
| P/B | 3.21 | ||
| P/tB | 62.77 | ||
| EV/EBITDA | 14.47 |
EPS(TTM)8.24
EY5.33%
EPS(NY)10.25
Fwd EY6.62%
FCF(TTM)8.77
FCFY5.67%
OCF(TTM)12.51
OCFY8.08%
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
WACC10.13%
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 18.78 and the Price/Book (PB) ratio is 3.21.
How financially healthy is FIRSTCASH HOLDINGS INC?
The financial health rating of FIRSTCASH HOLDINGS INC (FCFS) is 7 / 10.