FIRSTCASH HOLDINGS INC (FCFS) Fundamental Analysis & Valuation

NASDAQ:FCFS • US33768G1076

Current stock price

219.37 USD
+1.15 (+0.53%)
Last:

This FCFS fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

6

1. FCFS Profitability Analysis

1.1 Basic Checks

  • FCFS had positive earnings in the past year.
  • FCFS had a positive operating cash flow in the past year.
  • Each year in the past 5 years FCFS has been profitable.
  • FCFS had a positive operating cash flow in each of the past 5 years.
FCFS Yearly Net Income VS EBIT VS OCF VS FCFFCFS Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M 500M

1.2 Ratios

  • The Return On Assets of FCFS (6.23%) is better than 75.93% of its industry peers.
  • Looking at the Return On Equity, with a value of 14.51%, FCFS is in line with its industry, outperforming 51.85% of the companies in the same industry.
  • The Return On Invested Capital of FCFS (8.99%) is better than 68.52% of its industry peers.
  • FCFS had an Average Return On Invested Capital over the past 3 years of 8.17%. This is in line with the industry average of 9.54%.
  • The last Return On Invested Capital (8.99%) for FCFS is above the 3 year average (8.17%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 6.23%
ROE 14.51%
ROIC 8.99%
ROA(3y)5.71%
ROA(5y)5.37%
ROE(3y)12.7%
ROE(5y)11.7%
ROIC(3y)8.17%
ROIC(5y)7.47%
FCFS Yearly ROA, ROE, ROICFCFS Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10

1.3 Margins

  • FCFS has a worse Profit Margin (9.02%) than 61.11% of its industry peers.
  • FCFS's Profit Margin has improved in the last couple of years.
  • FCFS has a Operating Margin of 16.09%. This is comparable to the rest of the industry: FCFS outperforms 55.56% of its industry peers.
  • FCFS's Operating Margin has improved in the last couple of years.
  • FCFS has a Gross Margin (50.28%) which is comparable to the rest of the industry.
  • In the last couple of years the Gross Margin of FCFS has declined.
Industry RankSector Rank
OM 16.09%
PM (TTM) 9.02%
GM 50.28%
OM growth 3Y3.5%
OM growth 5Y6.02%
PM growth 3Y-0.96%
PM growth 5Y6.67%
GM growth 3Y2.75%
GM growth 5Y-2.08%
FCFS Yearly Profit, Operating, Gross MarginsFCFS Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30 40 50

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7

2. FCFS Health Analysis

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), FCFS is creating some value.
  • Compared to 1 year ago, FCFS has less shares outstanding
  • Compared to 5 years ago, FCFS has more shares outstanding
  • The debt/assets ratio for FCFS is higher compared to a year ago.
FCFS Yearly Shares OutstandingFCFS Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M 40M
FCFS Yearly Total Debt VS Total AssetsFCFS Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B 4B 5B

2.2 Solvency

  • FCFS has an Altman-Z score of 3.73. This indicates that FCFS is financially healthy and has little risk of bankruptcy at the moment.
  • FCFS has a better Altman-Z score (3.73) than 92.59% of its industry peers.
  • FCFS has a debt to FCF ratio of 4.71. This is a neutral value as FCFS would need 4.71 years to pay back of all of its debts.
  • The Debt to FCF ratio of FCFS (4.71) is better than 74.07% of its industry peers.
  • FCFS has a Debt/Equity ratio of 0.97. This is a neutral value indicating FCFS is somewhat dependend on debt financing.
  • FCFS has a Debt to Equity ratio of 0.97. This is in the better half of the industry: FCFS outperforms 61.11% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.97
Debt/FCF 4.71
Altman-Z 3.73
ROIC/WACC1.07
WACC8.39%
FCFS Yearly LT Debt VS Equity VS FCFFCFS Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B 2B

2.3 Liquidity

  • FCFS has a Current Ratio of 4.55. This indicates that FCFS is financially healthy and has no problem in meeting its short term obligations.
  • FCFS's Current ratio of 4.55 is amongst the best of the industry. FCFS outperforms 88.89% of its industry peers.
  • FCFS has a Quick Ratio of 3.36. 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 3.36, FCFS belongs to the top of the industry, outperforming 81.48% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 4.55
Quick Ratio 3.36
FCFS Yearly Current Assets VS Current LiabilitesFCFS Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. FCFS Growth Analysis

3.1 Past

  • FCFS shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 29.74%, which is quite impressive.
  • Measured over the past years, FCFS shows a very strong growth in Earnings Per Share. The EPS has been growing by 23.82% on average per year.
  • The Revenue has grown by 14.39% in the past year. This is quite good.
  • The Revenue has been growing by 17.55% on average over the past years. This is quite good.
EPS 1Y (TTM)29.74%
EPS 3Y18.91%
EPS 5Y23.82%
EPS Q2Q%29.95%
Revenue 1Y (TTM)14.39%
Revenue growth 3Y10.29%
Revenue growth 5Y17.55%
Sales Q2Q%25.73%

3.2 Future

  • The Earnings Per Share is expected to grow by 16.78% on average over the next years. This is quite good.
  • Based on estimates for the next years, FCFS will show a small growth in Revenue. The Revenue will grow by 1.38% on average per year.
EPS Next Y18.81%
EPS Next 2Y18.68%
EPS Next 3Y19.35%
EPS Next 5Y16.78%
Revenue Next Year15.88%
Revenue Next 2Y12.05%
Revenue Next 3Y1.38%
Revenue Next 5YN/A

3.3 Evolution

  • The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past 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.
FCFS Yearly Revenue VS EstimatesFCFS Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 1B 2B 3B 4B
FCFS Yearly EPS VS EstimatesFCFS Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 5 10 15

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3

4. FCFS Valuation Analysis

4.1 Price/Earnings Ratio

  • FCFS is valuated rather expensively with a Price/Earnings ratio of 23.39.
  • FCFS's Price/Earnings ratio is a bit more expensive when compared to the industry. FCFS is more expensive than 75.93% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 26.77, FCFS is valued at the same level.
  • FCFS is valuated rather expensively with a Price/Forward Earnings ratio of 17.78.
  • Based on the Price/Forward Earnings ratio, FCFS is valued a bit more expensive than the industry average as 64.81% of the companies are valued more cheaply.
  • The average S&P500 Price/Forward Earnings ratio is at 21.75. FCFS is around the same levels.
Industry RankSector Rank
PE 23.39
Fwd PE 17.78
FCFS Price Earnings VS Forward Price EarningsFCFS Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • FCFS's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. FCFS is cheaper than 68.52% of the companies in the same industry.
  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of FCFS is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 20.57
EV/EBITDA 16.66
FCFS Per share dataFCFS EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60 80

4.3 Compensation for Growth

  • FCFS's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
  • The decent profitability rating of FCFS may justify a higher PE ratio.
  • FCFS's earnings are expected to grow with 19.35% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.24
PEG (5Y)0.98
EPS Next 2Y18.68%
EPS Next 3Y19.35%

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5

5. FCFS Dividend Analysis

5.1 Amount

  • FCFS has a yearly dividend return of 0.78%, which is pretty low.
  • FCFS's Dividend Yield is comparable with the industry average which is at 3.10.
  • With a Dividend Yield of 0.78, FCFS pays less dividend than the S&P500 average, which is at 1.82.
Industry RankSector Rank
Dividend Yield 0.78%

5.2 History

  • The dividend of FCFS is nicely growing with an annual growth rate of 8.23%!
  • 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)8.23%
Div Incr Years9
Div Non Decr Years9
FCFS Yearly Dividends per shareFCFS Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5

5.3 Sustainability

  • FCFS pays out 21.45% of its income as dividend. This is a sustainable payout ratio.
  • FCFS's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP21.45%
EPS Next 2Y18.68%
EPS Next 3Y19.35%
FCFS Yearly Income VS Free CF VS DividendFCFS Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M
FCFS Dividend Payout.FCFS Dividend Payout, showing the Payout Ratio.FCFS Dividend Payout.PayoutRetained Earnings

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FCFS Fundamentals: All Metrics, Ratios and Statistics

FIRSTCASH HOLDINGS INC

NASDAQ:FCFS (5/1/2026, 10:26:40 AM)

219.37

+1.15 (+0.53%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Industry Strength57.14
Industry Growth96.89
Earnings (Last)04-23
Earnings (Next)N/A
Inst Owners90.69%
Inst Owner Change0.19%
Ins Owners2.87%
Ins Owner Change5.13%
Market Cap9.65B
Revenue(TTM)3.88B
Net Income(TTM)330.38M
Analysts81.54
Price Target246.84 (12.52%)
Short Float %2.83%
Short Ratio3.23
Dividend
Industry RankSector Rank
Dividend Yield 0.78%
Yearly Dividend1.6
Dividend Growth(5Y)8.23%
DP21.45%
Div Incr Years9
Div Non Decr Years9
Ex-Date02-18
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)8.61%
Min EPS beat(2)3.15%
Max EPS beat(2)14.08%
EPS beat(4)4
Avg EPS beat(4)9.75%
Min EPS beat(4)3.15%
Max EPS beat(4)16.73%
EPS beat(8)7
Avg EPS beat(8)5.6%
EPS beat(12)11
Avg EPS beat(12)6.54%
EPS beat(16)15
Avg EPS beat(16)7.26%
Revenue beat(2)2
Avg Revenue beat(2)4.3%
Min Revenue beat(2)1.48%
Max Revenue beat(2)7.12%
Revenue beat(4)2
Avg Revenue beat(4)1.43%
Min Revenue beat(4)-1.87%
Max Revenue beat(4)7.12%
Revenue beat(8)2
Avg Revenue beat(8)-0.6%
Revenue beat(12)5
Avg Revenue beat(12)-0.27%
Revenue beat(16)6
Avg Revenue beat(16)-0.35%
PT rev (1m)6.16%
PT rev (3m)20.59%
EPS NQ rev (1m)0.95%
EPS NQ rev (3m)-2.25%
EPS NY rev (1m)0.12%
EPS NY rev (3m)1.89%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)4.21%
Revenue NY rev (1m)0.02%
Revenue NY rev (3m)4.93%
Valuation
Industry RankSector Rank
PE 23.39
Fwd PE 17.78
P/S 2.64
P/FCF 20.57
P/OCF 16.47
P/B 4.24
P/tB 434.67
EV/EBITDA 16.66
EPS(TTM)9.38
EY4.28%
EPS(NY)12.34
Fwd EY5.62%
FCF(TTM)10.67
FCFY4.86%
OCF(TTM)13.32
OCFY6.07%
SpS83.24
BVpS51.77
TBVpS0.5
PEG (NY)1.24
PEG (5Y)0.98
Graham Number104.526 (-52.35%)
Profitability
Industry RankSector Rank
ROA 6.23%
ROE 14.51%
ROCE 12.04%
ROIC 8.99%
ROICexc 9.23%
ROICexgc 17.5%
OM 16.09%
PM (TTM) 9.02%
GM 50.28%
FCFM 12.81%
ROA(3y)5.71%
ROA(5y)5.37%
ROE(3y)12.7%
ROE(5y)11.7%
ROIC(3y)8.17%
ROIC(5y)7.47%
ROICexc(3y)8.45%
ROICexc(5y)7.73%
ROICexgc(3y)16.94%
ROICexgc(5y)16.2%
ROCE(3y)10.94%
ROCE(5y)10.01%
ROICexgc growth 3Y-2.21%
ROICexgc growth 5Y4.44%
ROICexc growth 3Y2.89%
ROICexc growth 5Y5.77%
OM growth 3Y3.5%
OM growth 5Y6.02%
PM growth 3Y-0.96%
PM growth 5Y6.67%
GM growth 3Y2.75%
GM growth 5Y-2.08%
F-Score7
Asset Turnover0.69
Health
Industry RankSector Rank
Debt/Equity 0.97
Debt/FCF 4.71
Debt/EBITDA 3.15
Cap/Depr 104.49%
Cap/Sales 3.19%
Interest Coverage 4.38
Cash Conversion 83.6%
Profit Quality 142%
Current Ratio 4.55
Quick Ratio 3.36
Altman-Z 3.73
F-Score7
WACC8.39%
ROIC/WACC1.07
Cap/Depr(3y)123.73%
Cap/Depr(5y)99.4%
Cap/Sales(3y)3.96%
Cap/Sales(5y)3.13%
Profit Quality(3y)140.4%
Profit Quality(5y)147.49%
High Growth Momentum
Growth
EPS 1Y (TTM)29.74%
EPS 3Y18.91%
EPS 5Y23.82%
EPS Q2Q%29.95%
EPS Next Y18.81%
EPS Next 2Y18.68%
EPS Next 3Y19.35%
EPS Next 5Y16.78%
Revenue 1Y (TTM)14.39%
Revenue growth 3Y10.29%
Revenue growth 5Y17.55%
Sales Q2Q%25.73%
Revenue Next Year15.88%
Revenue Next 2Y12.05%
Revenue Next 3Y1.38%
Revenue Next 5YN/A
EBIT growth 1Y30.64%
EBIT growth 3Y14.15%
EBIT growth 5Y24.62%
EBIT Next Year78.53%
EBIT Next 3Y34.25%
EBIT Next 5YN/A
FCF growth 1Y21.65%
FCF growth 3Y2.65%
FCF growth 5Y20.48%
OCF growth 1Y8.52%
OCF growth 3Y7.68%
OCF growth 5Y21.39%

FIRSTCASH HOLDINGS INC / FCFS Fundamental Analysis 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 3 / 10 to FIRSTCASH HOLDINGS INC (FCFS). This can be considered as Overvalued.


Can you provide the profitability details for FIRSTCASH HOLDINGS INC?

FIRSTCASH HOLDINGS INC (FCFS) has a profitability rating of 6 / 10.


What is the expected EPS growth for FIRSTCASH HOLDINGS INC (FCFS) stock?

The Earnings per Share (EPS) of FIRSTCASH HOLDINGS INC (FCFS) is expected to grow by 18.81% in the next year.


How sustainable is the dividend of FIRSTCASH HOLDINGS INC (FCFS) stock?

The dividend rating of FIRSTCASH HOLDINGS INC (FCFS) is 5 / 10 and the dividend payout ratio is 21.45%.