FIRSTCASH HOLDINGS INC (FCFS) Fundamental Analysis & Valuation

NASDAQ:FCFS • US33768G1076

Current stock price

199.58 USD
+9.66 (+5.09%)
At close:
199.58 USD
0 (0%)
After Hours:

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

  • In the past year FCFS was profitable.
  • In the past year FCFS had a positive cash flow from operations.
  • 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

  • With a decent Return On Assets value of 6.23%, FCFS is doing good in the industry, outperforming 72.22% of the companies in the same industry.
  • FCFS's Return On Equity of 14.51% is in line compared to the rest of the industry. FCFS outperforms 53.70% of its industry peers.
  • FCFS has a Return On Invested Capital of 8.99%. This is in the better half of the industry: FCFS outperforms 68.52% of its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital for FCFS is below the industry average of 12.01%.
  • 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

  • With a Profit Margin value of 9.02%, FCFS is not doing good in the industry: 61.11% of the companies in the same industry are doing better.
  • FCFS's Profit Margin has improved in the last couple of years.
  • FCFS has a Operating Margin (16.09%) which is comparable to the rest of the industry.
  • In the last couple of years the Operating Margin of FCFS has grown nicely.
  • FCFS has a Gross Margin of 50.28%. This is comparable to the rest of the industry: FCFS outperforms 55.56% of its industry peers.
  • FCFS's Gross Margin has declined in the last couple of years.
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

  • 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.
  • FCFS has more shares outstanding than it did 5 years ago.
  • 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 3.57. This indicates that FCFS is financially healthy and has little risk of bankruptcy at the moment.
  • FCFS's Altman-Z score of 3.57 is amongst the best of the industry. FCFS outperforms 92.59% of its industry peers.
  • The Debt to FCF ratio of FCFS is 4.71, which is a neutral value as it means it would take FCFS, 4.71 years of fcf income to pay off all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 4.71, FCFS is in the better half of the industry, outperforming 75.93% of the companies in the same industry.
  • FCFS has a Debt/Equity ratio of 0.97. This is a neutral value indicating FCFS is somewhat dependend on debt financing.
  • With a decent Debt to Equity ratio value of 0.97, FCFS is doing good in the industry, outperforming 62.96% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.97
Debt/FCF 4.71
Altman-Z 3.57
ROIC/WACC1.09
WACC8.26%
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

  • A Current Ratio of 4.55 indicates that FCFS has no problem at all paying its short term obligations.
  • FCFS has a better Current ratio (4.55) than 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.
  • FCFS has a better Quick ratio (3.36) than 81.48% of its industry peers.
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 30.55%, which is quite impressive.
  • The Earnings Per Share has been growing by 23.82% on average over the past years. This is a very strong growth
  • Looking at the last year, FCFS shows a quite strong growth in Revenue. The Revenue has grown by 8.04% in the last year.
  • 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 a small growth in Revenue. In the coming years, the Revenue will grow by 1.38% yearly.
EPS Next Y18.67%
EPS Next 2Y18.61%
EPS Next 3Y18.39%
EPS Next 5Y15.93%
Revenue Next Year15.85%
Revenue Next 2Y6.78%
Revenue Next 3Y1.38%
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.
  • 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 22.78.
  • Based on the Price/Earnings ratio, FCFS is valued more expensive than 81.48% of the companies in the same industry.
  • FCFS is valuated at similar levels of the S&P average when we compare the Price/Earnings ratio to 25.60, which is the current average of the S&P500 Index.
  • Based on the Price/Forward Earnings ratio of 19.20, the valuation of FCFS can be described as rather expensive.
  • FCFS's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. FCFS is more expensive than 66.67% of the companies in the same industry.
  • FCFS is valuated at similar levels of the S&P average when we compare the Price/Forward Earnings ratio to 22.84, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 22.78
Fwd PE 19.2
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

  • Based on the Enterprise Value to EBITDA ratio, FCFS is valued a bit cheaper than the industry average as 61.11% of the companies are valued more expensively.
  • 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 18.71
EV/EBITDA 15.5
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.
  • A more expensive valuation may be justified as FCFS's earnings are expected to grow with 18.39% in the coming years.
PEG (NY)1.22
PEG (5Y)0.96
EPS Next 2Y18.61%
EPS Next 3Y18.39%

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5

5. FCFS Dividend Analysis

5.1 Amount

  • With a yearly dividend of 0.87%, FCFS is not a good candidate for dividend investing.
  • FCFS's Dividend Yield is comparable with the industry average which is at 3.15.
  • With a Dividend Yield of 0.87, FCFS pays less dividend than the S&P500 average, which is at 1.88.
Industry RankSector Rank
Dividend Yield 0.87%

5.2 History

  • On average, the dividend of FCFS grows each year by 8.23%, 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)8.23%
Div Incr Years8
Div Non Decr Years8
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 2Y18.61%
EPS Next 3Y18.39%
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 (4/2/2026, 8:22:31 PM)

After market: 199.58 0 (0%)

199.58

+9.66 (+5.09%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)02-05
Earnings (Next)04-23
Inst Owners90.5%
Inst Owner Change-1.06%
Ins Owners2.87%
Ins Owner Change5.68%
Market Cap8.78B
Revenue(TTM)3.66B
Net Income(TTM)330.38M
Analysts81.54
Price Target210.8 (5.62%)
Short Float %2.07%
Short Ratio2.68
Dividend
Industry RankSector Rank
Dividend Yield 0.87%
Yearly Dividend1.6
Dividend Growth(5Y)8.23%
DP21.45%
Div Incr Years8
Div Non Decr Years8
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)1.89%
PT rev (3m)15.73%
EPS NQ rev (1m)-0.84%
EPS NQ rev (3m)-3.56%
EPS NY rev (1m)1.5%
EPS NY rev (3m)1.41%
Revenue NQ rev (1m)-0.2%
Revenue NQ rev (3m)4.27%
Revenue NY rev (1m)-0.07%
Revenue NY rev (3m)4.96%
Valuation
Industry RankSector Rank
PE 22.78
Fwd PE 19.2
P/S 2.4
P/FCF 18.71
P/OCF 14.98
P/B 3.86
P/tB 395.46
EV/EBITDA 15.5
EPS(TTM)8.76
EY4.39%
EPS(NY)10.4
Fwd EY5.21%
FCF(TTM)10.67
FCFY5.34%
OCF(TTM)13.32
OCFY6.68%
SpS83.24
BVpS51.77
TBVpS0.5
PEG (NY)1.22
PEG (5Y)0.96
Graham Number101.01
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 3.57
F-Score7
WACC8.26%
ROIC/WACC1.09
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)30.55%
EPS 3Y18.91%
EPS 5Y23.82%
EPS Q2Q%24.53%
EPS Next Y18.67%
EPS Next 2Y18.61%
EPS Next 3Y18.39%
EPS Next 5Y15.93%
Revenue 1Y (TTM)8.04%
Revenue growth 3Y10.29%
Revenue growth 5Y17.55%
Sales Q2Q%19.76%
Revenue Next Year15.85%
Revenue Next 2Y6.78%
Revenue Next 3Y1.38%
Revenue Next 5YN/A
EBIT growth 1Y30.64%
EBIT growth 3Y14.15%
EBIT growth 5Y24.62%
EBIT Next Year76.75%
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 18.67% 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%.