158.41 USD
-0.18 (-0.11%)
158.41 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 decent growth rate and is not valued too expensively.
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.
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
The Return On Assets of FCFS (5.98%) is better than 78.18% of its industry peers.
FCFS has a Return On Equity of 14.08%. This is comparable to the rest of the industry: FCFS outperforms 60.00% of its industry peers.
FCFS has a Return On Invested Capital of 8.36%. This is in the better half of the industry: FCFS outperforms 72.73% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for FCFS is below the industry average of 11.33%.
The 3 year average ROIC (7.96%) for FCFS is below the current ROIC(8.36%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.98% | ||
| ROE | 14.08% | ||
| ROIC | 8.36% |
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 (8.88%) is comparable to the rest of the industry.
In the last couple of years the Profit Margin of FCFS has declined.
Looking at the Operating Margin, with a value of 15.38%, FCFS is in line with its industry, outperforming 60.00% of the companies in the same industry.
FCFS's Operating Margin has been stable in the last couple of years.
FCFS's Gross Margin of 50.03% 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 | 15.38% | ||
| PM (TTM) | 8.88% | ||
| GM | 50.03% |
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.
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.
The debt/assets ratio for FCFS is higher compared to a year ago.
2.2 Solvency
FCFS has an Altman-Z score of 3.19. This indicates that FCFS is financially healthy and has little risk of bankruptcy at the moment.
The Altman-Z score of FCFS (3.19) is better than 90.91% of its industry peers.
FCFS has a debt to FCF ratio of 5.57. This is a neutral value as FCFS would need 5.57 years to pay back of all of its debts.
FCFS has a better Debt to FCF ratio (5.57) than 74.55% of its industry peers.
FCFS has a Debt/Equity ratio of 1.01. This is a high value indicating a heavy dependency on external financing.
FCFS has a Debt to Equity ratio (1.01) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.01 | ||
| Debt/FCF | 5.57 | ||
| Altman-Z | 3.19 |
ROIC/WACC0.88
WACC9.46%
2.3 Liquidity
FCFS has a Current Ratio of 4.99. This indicates that FCFS is financially healthy and has no problem in meeting its short term obligations.
FCFS's Current ratio of 4.99 is amongst the best of the industry. FCFS outperforms 85.45% of its industry peers.
A Quick Ratio of 3.72 indicates that FCFS has no problem at all paying its short term obligations.
FCFS's Quick ratio of 3.72 is amongst the best of the industry. FCFS outperforms 83.64% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 4.99 | ||
| Quick Ratio | 3.72 |
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.
Measured over the past years, FCFS shows a quite strong growth in Earnings Per Share. The EPS has been growing by 11.52% on average per year.
Looking at the last year, FCFS shows a small growth in Revenue. The Revenue has grown by 3.86% in the last year.
FCFS shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 12.69% yearly.
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.
Based on estimates for the next years, FCFS will show a quite strong growth in Revenue. The Revenue will grow by 8.08% on average per year.
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.
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
With a Price/Earnings ratio of 19.22, FCFS is valued on the expensive side.
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.
FCFS is valuated rather cheaply when we compare the Price/Earnings ratio to 26.31, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 15.45 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 60.00% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 36.59, FCFS is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 19.22 | ||
| Fwd PE | 15.45 |
4.2 Price Multiples
61.82% of the companies in the same industry are more expensive than FCFS, based on the Enterprise Value to EBITDA ratio.
FCFS's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 17.68 | ||
| EV/EBITDA | 14.18 |
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.
A more expensive valuation may be justified as FCFS's earnings are expected to grow with 20.63% in the coming years.
PEG (NY)0.62
PEG (5Y)1.67
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 5.23, 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 2.40.
| 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 paid a dividend for at least 10 years, which is 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
FCFS pays out 22.42% 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.
DP22.42%
EPS Next 2Y23.6%
EPS Next 3Y20.63%
158.41
-0.18 (-0.11%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners87.91%
Inst Owner Change2.14%
Ins Owners2.63%
Ins Owner Change-13.04%
Market Cap6.99B
Revenue(TTM)3.49B
Net Income(TTM)309.75M
Analysts80
Price Target182.14 (14.98%)
Short Float %1.35%
Short Ratio1.75
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.06% |
Yearly Dividend1.46
Dividend Growth(5Y)7.4%
DP22.42%
Div Incr Years8
Div Non Decr Years8
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)9.56%
Min EPS beat(2)5.03%
Max EPS beat(2)14.08%
EPS beat(4)4
Avg EPS beat(4)9.76%
Min EPS beat(4)3.21%
Max EPS beat(4)16.73%
EPS beat(8)7
Avg EPS beat(8)6.65%
EPS beat(12)11
Avg EPS beat(12)6.83%
EPS beat(16)15
Avg EPS beat(16)9.02%
Revenue beat(2)1
Avg Revenue beat(2)3.05%
Min Revenue beat(2)-1.01%
Max Revenue beat(2)7.12%
Revenue beat(4)1
Avg Revenue beat(4)0.19%
Min Revenue beat(4)-3.47%
Max Revenue beat(4)7.12%
Revenue beat(8)1
Avg Revenue beat(8)-1.05%
Revenue beat(12)4
Avg Revenue beat(12)-0.56%
Revenue beat(16)6
Avg Revenue beat(16)0.25%
PT rev (1m)10%
PT rev (3m)12.45%
EPS NQ rev (1m)4.14%
EPS NQ rev (3m)8.97%
EPS NY rev (1m)3.23%
EPS NY rev (3m)5.81%
Revenue NQ rev (1m)8.65%
Revenue NQ rev (3m)9.2%
Revenue NY rev (1m)4.09%
Revenue NY rev (3m)4.38%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 19.22 | ||
| Fwd PE | 15.45 | ||
| P/S | 2.02 | ||
| P/FCF | 17.68 | ||
| P/OCF | 12.17 | ||
| P/B | 3.19 | ||
| P/tB | N/A | ||
| EV/EBITDA | 14.18 |
EPS(TTM)8.24
EY5.2%
EPS(NY)10.25
Fwd EY6.47%
FCF(TTM)8.96
FCFY5.66%
OCF(TTM)13.02
OCFY8.22%
SpS78.59
BVpS49.59
TBVpS-0.39
PEG (NY)0.62
PEG (5Y)1.67
Graham Number95.88
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.98% | ||
| ROE | 14.08% | ||
| ROCE | 11.12% | ||
| ROIC | 8.36% | ||
| ROICexc | 8.59% | ||
| ROICexgc | 16.28% | ||
| OM | 15.38% | ||
| PM (TTM) | 8.88% | ||
| GM | 50.03% | ||
| FCFM | 11.4% |
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-Score7
Asset Turnover0.67
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.01 | ||
| Debt/FCF | 5.57 | ||
| Debt/EBITDA | 3.44 | ||
| Cap/Depr | 168.42% | ||
| Cap/Sales | 5.16% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 89.82% | ||
| Profit Quality | 128.33% | ||
| Current Ratio | 4.99 | ||
| Quick Ratio | 3.72 | ||
| Altman-Z | 3.19 |
F-Score7
WACC9.46%
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 1Y22.77%
EBIT growth 3Y28%
EBIT growth 5Y11.76%
EBIT Next Year56.88%
EBIT Next 3Y32.78%
EBIT Next 5YN/A
FCF growth 1Y-2.53%
FCF growth 3Y28.61%
FCF growth 5Y15.54%
OCF growth 1Y25.39%
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 19.22 and the Price/Book (PB) ratio is 3.19.
How financially healthy is FIRSTCASH HOLDINGS INC?
The financial health rating of FIRSTCASH HOLDINGS INC (FCFS) is 7 / 10.