182.45 USD
+0.79 (+0.43%)
At close: Feb 11, 2026
182.45 USD
0 (0%)
After Hours: 2/11/2026, 8:20:42 PM
We assign a fundamental rating of 6 out of 10 to FCFS. FCFS was compared to 54 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 shows excellent growth, but is valued quite expensive already. This makes FCFS very considerable for growth investing!
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.
- In the past 5 years FCFS has always been profitable.
- FCFS had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
- Looking at the Return On Assets, with a value of 5.98%, FCFS is in the better half of the industry, outperforming 74.07% of the companies in the same industry.
- FCFS has a Return On Equity (14.08%) which is in line with its industry peers.
- Looking at the Return On Invested Capital, with a value of 8.30%, FCFS is in the better half of the industry, outperforming 70.37% of the companies in the same industry.
- FCFS had an Average Return On Invested Capital over the past 3 years of 8.11%. This is below the industry average of 12.09%.
- The last Return On Invested Capital (8.30%) for FCFS is above the 3 year average (8.11%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.98% | ||
| ROE | 14.08% | ||
| ROIC | 8.3% |
ROA(3y)5.71%
ROA(5y)5.37%
ROE(3y)12.7%
ROE(5y)11.7%
ROIC(3y)8.11%
ROIC(5y)7.44%
1.3 Margins
- Looking at the Profit Margin, with a value of 8.88%, FCFS is in line with its industry, outperforming 40.74% of the companies in the same industry.
- FCFS's Profit Margin has improved in the last couple of years.
- With a Operating Margin value of 15.38%, FCFS perfoms like the industry average, outperforming 57.41% of the companies in the same industry.
- FCFS's Operating Margin has improved in the last couple of years.
- FCFS has a Gross Margin (50.03%) which is comparable to the rest of the industry.
- In the last couple of years the Gross Margin of FCFS has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 15.38% | ||
| PM (TTM) | 8.88% | ||
| GM | 50.03% |
OM growth 3Y2.85%
OM growth 5Y5.62%
PM growth 3Y-0.96%
PM growth 5Y6.67%
GM growth 3Y2.75%
GM growth 5Y-2.08%
2. Health
2.1 Basic Checks
- The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so FCFS is still 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
- An Altman-Z score of 3.39 indicates that FCFS is not in any danger for bankruptcy at the moment.
- FCFS has a Altman-Z score of 3.39. This is amongst the best in the industry. FCFS outperforms 90.74% of its industry peers.
- The Debt to FCF ratio of FCFS is 5.57, which is a neutral value as it means it would take FCFS, 5.57 years of fcf income to pay off all of its debts.
- FCFS has a better Debt to FCF ratio (5.57) than 75.93% of its industry peers.
- A Debt/Equity ratio of 1.01 is on the high side and indicates that FCFS has dependencies on debt financing.
- FCFS has a better Debt to Equity ratio (1.01) than 62.96% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.01 | ||
| Debt/FCF | 5.57 | ||
| Altman-Z | 3.39 |
ROIC/WACC1.04
WACC8%
2.3 Liquidity
- A Current Ratio of 4.99 indicates that FCFS has no problem at all paying its short term obligations.
- FCFS has a Current ratio of 4.99. This is amongst the best in the industry. FCFS outperforms 88.89% of its industry peers.
- A Quick Ratio of 3.72 indicates that FCFS has no problem at all paying its short term obligations.
- Looking at the Quick ratio, with a value of 3.72, FCFS belongs to the top of the industry, outperforming 88.89% of the companies in the same industry.
| 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 30.55%, 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.
- FCFS shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 8.04%.
- The Revenue has been growing by 17.55% on average over the past years. This is quite good.
EPS 1Y (TTM)30.55%
EPS 3Y18.91%
EPS 5Y23.82%
EPS Q2Q%24.53%
Revenue 1Y (TTM)8.04%
Revenue growth 3Y10.29%
Revenue growth 5Y17.55%
Sales Q2Q%19.76%
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 15.93% on average per year.
- FCFS is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 9.86% yearly.
EPS Next Y16.91%
EPS Next 2Y16.24%
EPS Next 3Y15.05%
EPS Next 5Y15.93%
Revenue Next Year10.84%
Revenue Next 2Y9.86%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
- Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of the past 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
- With a Price/Earnings ratio of 20.83, FCFS is valued on the expensive side.
- Based on the Price/Earnings ratio, FCFS is valued a bit more expensive than 74.07% of the companies in the same industry.
- When comparing the Price/Earnings ratio of FCFS to the average of the S&P500 Index (28.18), we can say FCFS is valued slightly cheaper.
- A Price/Forward Earnings ratio of 17.81 indicates a rather expensive valuation of FCFS.
- FCFS's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. FCFS is more expensive than 64.81% of the companies in the same industry.
- When comparing the Price/Forward Earnings ratio of FCFS to the average of the S&P500 Index (28.01), we can say FCFS is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 20.83 | ||
| Fwd PE | 17.81 |
4.2 Price Multiples
- Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of FCFS is on the same level as its industry peers.
- FCFS's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 20.25 | ||
| EV/EBITDA | 15.76 |
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 15.05% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.23
PEG (5Y)0.87
EPS Next 2Y16.24%
EPS Next 3Y15.05%
5. Dividend
5.1 Amount
- FCFS has a yearly dividend return of 0.92%, which is pretty low.
- FCFS's Dividend Yield is comparable with the industry average which is at 2.75.
- Compared to an average S&P500 Dividend Yield of 1.80, FCFS's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.92% |
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
- 22.42% 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.
DP22.42%
EPS Next 2Y16.24%
EPS Next 3Y15.05%
182.45
+0.79 (+0.43%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)02-05 2026-02-05/bmo
Earnings (Next)N/A N/A
Inst Owners91.52%
Inst Owner Change-2.38%
Ins Owners2.55%
Ins Owner Change-1.52%
Market Cap8.05B
Revenue(TTM)3.66B
Net Income(TTM)309.75M
Analysts80
Price Target188.36 (3.24%)
Short Float %1.52%
Short Ratio2.43
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.92% |
Yearly Dividend1.46
Dividend Growth(5Y)7.4%
DP22.42%
Div Incr Years8
Div Non Decr Years8
Ex-DateN/A
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)3.41%
PT rev (3m)7.9%
EPS NQ rev (1m)-0.7%
EPS NQ rev (3m)-0.7%
EPS NY rev (1m)-0.26%
EPS NY rev (3m)-0.26%
Revenue NQ rev (1m)0.58%
Revenue NQ rev (3m)0.58%
Revenue NY rev (1m)0.05%
Revenue NY rev (3m)0.05%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 20.83 | ||
| Fwd PE | 17.81 | ||
| P/S | 2.31 | ||
| P/FCF | 20.25 | ||
| P/OCF | 13.94 | ||
| P/B | 3.66 | ||
| P/tB | N/A | ||
| EV/EBITDA | 15.76 |
EPS(TTM)8.76
EY4.8%
EPS(NY)10.24
Fwd EY5.61%
FCF(TTM)9.01
FCFY4.94%
OCF(TTM)13.09
OCFY7.17%
SpS79
BVpS49.84
TBVpS-0.4
PEG (NY)1.23
PEG (5Y)0.87
Graham Number99.12
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.98% | ||
| ROE | 14.08% | ||
| ROCE | 11.12% | ||
| ROIC | 8.3% | ||
| ROICexc | 8.53% | ||
| ROICexgc | 16.17% | ||
| OM | 15.38% | ||
| PM (TTM) | 8.88% | ||
| GM | 50.03% | ||
| FCFM | 11.4% |
ROA(3y)5.71%
ROA(5y)5.37%
ROE(3y)12.7%
ROE(5y)11.7%
ROIC(3y)8.11%
ROIC(5y)7.44%
ROICexc(3y)8.39%
ROICexc(5y)7.69%
ROICexgc(3y)16.83%
ROICexgc(5y)16.13%
ROCE(3y)10.87%
ROCE(5y)9.96%
ROICexgc growth 3Y-2.82%
ROICexgc growth 5Y4.04%
ROICexc growth 3Y2.25%
ROICexc growth 5Y5.37%
OM growth 3Y2.85%
OM growth 5Y5.62%
PM growth 3Y-0.96%
PM growth 5Y6.67%
GM growth 3Y2.75%
GM growth 5Y-2.08%
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 | 3.39 |
F-Score7
WACC8%
ROIC/WACC1.04
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)30.55%
EPS 3Y18.91%
EPS 5Y23.82%
EPS Q2Q%24.53%
EPS Next Y16.91%
EPS Next 2Y16.24%
EPS Next 3Y15.05%
EPS Next 5Y15.93%
Revenue 1Y (TTM)8.04%
Revenue growth 3Y10.29%
Revenue growth 5Y17.55%
Sales Q2Q%19.76%
Revenue Next Year10.84%
Revenue Next 2Y9.86%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y22.77%
EBIT growth 3Y13.43%
EBIT growth 5Y24.15%
EBIT Next Year66.78%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y7.01%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y30.97%
OCF growth 3YN/A
OCF growth 5YN/A
FIRSTCASH HOLDINGS INC / FCFS 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.
What is the profitability of FCFS stock?
FIRSTCASH HOLDINGS INC (FCFS) has a profitability rating of 6 / 10.
Can you provide the PE and PB ratios for FCFS stock?
The Price/Earnings (PE) ratio for FIRSTCASH HOLDINGS INC (FCFS) is 20.83 and the Price/Book (PB) ratio is 3.66.
Is the dividend of FIRSTCASH HOLDINGS INC sustainable?
The dividend rating of FIRSTCASH HOLDINGS INC (FCFS) is 5 / 10 and the dividend payout ratio is 22.42%.