FIRSTCASH HOLDINGS INC (FCFS)
US33768G1076 - Common Stock
Taking everything into account, FCFS scores 6 out of 10 in our fundamental rating. FCFS was compared to 51 industry peers in the Consumer Finance industry. While FCFS has a great health rating, its profitability is only average at the moment. 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.
Each year in the past 5 years FCFS has been profitable.
In the past 5 years FCFS always reported a positive cash flow from operatings.
1.2 Ratios
FCFS's Return On Assets of 5.57% is amongst the best of the industry. FCFS outperforms 84.31% of its industry peers.
FCFS's Return On Equity of 12.25% is fine compared to the rest of the industry. FCFS outperforms 60.78% of its industry peers.
With an excellent Return On Invested Capital value of 8.19%, FCFS belongs to the best of the industry, outperforming 80.39% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for FCFS is in line with the industry average of 7.49%.
The last Return On Invested Capital (8.19%) for FCFS is above the 3 year average (6.92%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.57% | ||
| ROE | 12.25% | ||
| ROIC | 8.19% |
ROA(3y)4.95%
ROA(5y)5.22%
ROE(3y)10.46%
ROE(5y)10.37%
ROIC(3y)6.92%
ROIC(5y)7.31%
1.3 Margins
FCFS has a Profit Margin of 7.29%. This is comparable to the rest of the industry: FCFS outperforms 50.98% of its industry peers.
FCFS's Profit Margin has declined in the last couple of years.
Looking at the Operating Margin, with a value of 13.01%, FCFS is in line with its industry, outperforming 58.82% of the companies in the same industry.
In the last couple of years the Operating Margin of FCFS has declined.
FCFS's Gross Margin of 48.07% is in line compared to the rest of the industry. FCFS outperforms 49.02% of its industry peers.
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 3Y1.07%
OM growth 5Y-1.67%
PM growth 3Y2.11%
PM growth 5Y-4.15%
GM growth 3Y-5.04%
GM growth 5Y-2.5%
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.
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
FCFS has an Altman-Z score of 2.95. This is not the best score and indicates that FCFS is in the grey zone with still only limited risk for bankruptcy at the moment.
With an excellent Altman-Z score value of 2.95, FCFS belongs to the best of the industry, outperforming 88.24% of the companies in the same industry.
FCFS has a debt to FCF ratio of 4.66. This is a neutral value as FCFS would need 4.66 years to pay back of all of its debts.
FCFS's Debt to FCF ratio of 4.66 is fine compared to the rest of the industry. FCFS outperforms 62.75% 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.
With a decent Debt to Equity ratio value of 0.87, FCFS is doing good in the industry, outperforming 64.71% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.87 | ||
| Debt/FCF | 4.66 | ||
| Altman-Z | 2.95 |
ROIC/WACC1.03
WACC7.97%
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.
FCFS has a better Current ratio (4.31) than 84.31% of its industry peers.
A Quick Ratio of 3.23 indicates that FCFS has no problem at all paying its short term obligations.
FCFS has a Quick ratio of 3.23. This is amongst the best in the industry. FCFS outperforms 82.35% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 4.31 | ||
| Quick Ratio | 3.23 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 16.73% over the past year.
The Earnings Per Share has been growing by 11.45% on average over the past years. This is quite good.
The Revenue has grown by 10.10% in the past year. This is quite good.
The Revenue has been growing by 12.09% on average over the past years. This is quite good.
EPS 1Y (TTM)16.73%
EPS 3Y26.34%
EPS 5Y11.45%
EPS Q2Q%7.05%
Revenue 1Y (TTM)10.1%
Revenue growth 3Y24.55%
Revenue growth 5Y12.09%
Sales Q2Q%6.49%
3.2 Future
The Earnings Per Share is expected to grow by 17.22% 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 5.81% yearly.
EPS Next Y11.11%
EPS Next 2Y15.36%
EPS Next 3Y17.22%
EPS Next 5YN/A
Revenue Next Year7.99%
Revenue Next 2Y6.52%
Revenue Next 3Y5.81%
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 15.77 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 (28.96), we can say FCFS is valued slightly cheaper.
With a Price/Forward Earnings ratio of 12.94, FCFS is valued correctly.
FCFS's Price/Forward Earnings is on the same level as the industry average.
When comparing the Price/Forward Earnings ratio of FCFS to the average of the S&P500 Index (23.82), we can say FCFS is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.77 | ||
| Fwd PE | 12.94 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, FCFS is valued a bit cheaper than the industry average as 74.51% 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 | 12.59 | ||
| EV/EBITDA | 11.48 |
4.3 Compensation for Growth
FCFS's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct 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 17.22% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.42
PEG (5Y)1.38
EPS Next 2Y15.36%
EPS Next 3Y17.22%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 1.42%, FCFS has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 4.08, FCFS has a dividend in line with its industry peers.
FCFS's Dividend Yield is slightly below the S&P500 average, which is at 2.23.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.42% |
5.2 History
The dividend of FCFS is nicely growing with an annual growth rate of 8.41%!
FCFS has been paying a dividend for over 5 years, so it has already some track record.
As FCFS did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
Dividend Growth(5Y)8.41%
Div Incr Years7
Div Non Decr Years7
5.3 Sustainability
FCFS pays out 26.36% of its income as dividend. This is a sustainable payout ratio.
The dividend of FCFS is growing, but earnings are growing more, so the dividend growth is sustainable.
DP26.36%
EPS Next 2Y15.36%
EPS Next 3Y17.22%
FIRSTCASH HOLDINGS INC
NASDAQ:FCFS (11/22/2024, 10:56:03 AM)
104.54
+1.57 (+1.52%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap4.68B
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.42% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
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Min EPS beat(2)
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EPS beat(16)
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Revenue beat(2)
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PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.77 | ||
| Fwd PE | 12.94 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)1.42
PEG (5Y)1.38
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.57% | ||
| ROE | 12.25% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | 13.01% | ||
| PM (TTM) | 7.29% | ||
| GM | 48.07% | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.76
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.87 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | 4.31 | ||
| Quick Ratio | 3.23 | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
High Growth Momentum
Growth
EPS 1Y (TTM)16.73%
EPS 3Y26.34%
EPS 5Y
EPS Q2Q%
EPS Next Y11.11%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)10.1%
Revenue growth 3Y24.55%
Revenue growth 5Y
Sales Q2Q%
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y