FIRSTCASH HOLDINGS INC (FCFS) Stock Fundamental Analysis
NASDAQ:FCFS • US33768G1076
181.89 USD
-0.11 (-0.06%)
At close: Feb 13, 2026
181.89 USD
0 (0%)
After Hours: 2/13/2026, 8:06:38 PM
FCFS gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 54 industry peers in the Consumer Finance industry. While FCFS has a great health rating, its profitability is only average at the moment. FCFS shows excellent growth, but is valued quite expensive already. With these ratings, FCFS could be worth investigating further for growth investing!.
1. Profitability
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 4 of the past 5 years.
1.2 Ratios
- FCFS has a better Return On Assets (5.98%) than 74.07% of its industry peers.
- The Return On Equity of FCFS (14.08%) is comparable to the rest of the industry.
- With a decent Return On Invested Capital value of 8.30%, FCFS is doing good in the industry, outperforming 70.37% of the companies in the same industry.
- Measured over the past 3 years, the Average Return On Invested Capital for FCFS is below the industry average of 12.18%.
- The 3 year average ROIC (8.11%) for FCFS is below the current ROIC(8.30%), indicating increased profibility in the last year.
| 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
- FCFS has a Profit Margin of 8.88%. This is in the lower half of the industry: FCFS underperforms 61.11% of its industry peers.
- In the last couple of years the Profit Margin of FCFS has grown nicely.
- FCFS has a Operating Margin (15.38%) which is comparable to the rest of the 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
- 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.
- Compared to 5 years ago, FCFS has more shares outstanding
- The debt/assets ratio for FCFS is higher compared to a year ago.
2.2 Solvency
- FCFS has an Altman-Z score of 3.39. This indicates that FCFS is financially healthy and has little risk of bankruptcy at the moment.
- FCFS has a Altman-Z score of 3.39. This is amongst the best in the industry. FCFS outperforms 92.59% 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 74.07% 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 of 1.01. This is in the better half of the industry: FCFS outperforms 62.96% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.01 | ||
| Debt/FCF | 5.57 | ||
| Altman-Z | 3.39 |
ROIC/WACC1.05
WACC7.89%
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 has a Current ratio of 4.99. This is amongst the best in the industry. FCFS outperforms 87.04% of its industry peers.
- A Quick Ratio of 3.72 indicates that FCFS has no problem at all paying its short term obligations.
- The Quick ratio of FCFS (3.72) is better than 87.04% 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 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
- FCFS shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 8.04%.
- FCFS shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 17.55% yearly.
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
- FCFS is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 15.93% yearly.
- The Revenue is expected to grow by 9.86% on average over the next years. This is quite good.
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
- 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.
4. Valuation
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 20.76 indicates a rather expensive valuation of FCFS.
- Based on the Price/Earnings ratio, FCFS is valued a bit more expensive than the industry average as 72.22% of the companies are valued more cheaply.
- FCFS is valuated rather cheaply when we compare the Price/Earnings ratio to 26.68, which is the current average of the S&P500 Index.
- Based on the Price/Forward Earnings ratio of 17.76, the valuation of FCFS can be described as rather expensive.
- Based on the Price/Forward Earnings ratio, FCFS is valued a bit more expensive than 64.81% of the companies in the same industry.
- FCFS is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 28.06, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 20.76 | ||
| Fwd PE | 17.76 |
4.2 Price Multiples
- The rest of the industry has a similar Enterprise Value to EBITDA ratio as FCFS.
- FCFS's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 20.19 | ||
| EV/EBITDA | 15.72 |
4.3 Compensation for Growth
- FCFS's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
- A more expensive valuation may be justified as FCFS's earnings are expected to grow with 15.05% in the coming years.
PEG (NY)1.23
PEG (5Y)0.87
EPS Next 2Y16.24%
EPS Next 3Y15.05%
5. Dividend
5.1 Amount
- With a yearly dividend of 0.92%, FCFS is not a good candidate for dividend investing.
- Compared to an average industry Dividend Yield of 2.98, FCFS has a dividend in line with its industry peers.
- With a Dividend Yield of 0.92, FCFS pays less dividend than the S&P500 average, which is at 1.84.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.92% |
5.2 History
- The dividend of FCFS is nicely growing with an annual growth rate of 7.40%!
- 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
- 22.42% of the earnings are spent on dividend by FCFS. This is a low number and sustainable payout ratio.
- FCFS's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP22.42%
EPS Next 2Y16.24%
EPS Next 3Y15.05%
181.89
-0.11 (-0.06%)
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-82.53%
Ins Owners2.55%
Ins Owner Change-1.52%
Market Cap8.03B
Revenue(TTM)3.66B
Net Income(TTM)309.75M
Analysts80
Price Target188.36 (3.56%)
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)-0.17%
EPS NQ rev (3m)-0.7%
EPS NY rev (1m)-0.09%
EPS NY rev (3m)-0.09%
Revenue NQ rev (1m)0.87%
Revenue NQ rev (3m)0.58%
Revenue NY rev (1m)0.39%
Revenue NY rev (3m)0.42%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 20.76 | ||
| Fwd PE | 17.76 | ||
| P/S | 2.3 | ||
| P/FCF | 20.19 | ||
| P/OCF | 13.9 | ||
| P/B | 3.65 | ||
| P/tB | N/A | ||
| EV/EBITDA | 15.72 |
EPS(TTM)8.76
EY4.82%
EPS(NY)10.24
Fwd EY5.63%
FCF(TTM)9.01
FCFY4.95%
OCF(TTM)13.09
OCFY7.19%
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
WACC7.89%
ROIC/WACC1.05
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 20.76 and the Price/Book (PB) ratio is 3.65.
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%.