171.55 USD
+0.57 (+0.33%)
Last: Feb 4, 2026, 10:37 AM
Taking everything into account, FCFS scores 6 out of 10 in our fundamental rating. FCFS was compared to 54 industry peers in the Consumer Finance industry. While FCFS has a great health rating, its profitability is only average at the moment. FCFS is not valued too expensively and it also shows a decent growth rate.
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.
- FCFS had positive earnings in each of the past 5 years.
- FCFS had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- FCFS has a Return On Assets of 5.98%. This is in the better half of the industry: FCFS outperforms 74.07% of its industry peers.
- FCFS has a Return On Equity of 14.08%. This is comparable to the rest of the industry: FCFS outperforms 55.56% 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 70.37% of its industry peers.
- Measured over the past 3 years, the Average Return On Invested Capital for FCFS is below the industry average of 12.42%.
- 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
- FCFS has a Profit Margin (8.88%) which is in line with its industry peers.
- FCFS's Profit Margin has declined in the last couple of years.
- FCFS has a Operating Margin (15.38%) which is comparable to the rest of the industry.
- FCFS's Operating Margin has been stable in the last couple of years.
- With a Gross Margin value of 50.03%, FCFS perfoms like the industry average, outperforming 48.15% of the companies in the same industry.
- 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
- 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
- FCFS has more shares outstanding than it did 5 years ago.
- FCFS has a worse debt/assets ratio than last year.
2.2 Solvency
- FCFS has an Altman-Z score of 3.29. This indicates that FCFS is financially healthy and has little risk of bankruptcy at the moment.
- FCFS has a better Altman-Z score (3.29) than 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.
- Looking at the Debt to FCF ratio, with a value of 5.57, 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 1.01. This is a high value indicating a heavy dependency on external 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 | 3.29 |
ROIC/WACC1.04
WACC8.06%
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.
- The Current ratio of FCFS (4.99) is better than 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.
- FCFS's Quick ratio of 3.72 is amongst the best of the industry. FCFS outperforms 88.89% 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.
- FCFS shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 11.52% yearly.
- FCFS shows a small growth in Revenue. In the last year, the Revenue has grown by 3.86%.
- 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
- The Earnings Per Share is expected to grow by 17.72% on average over the next years. This is quite good.
- FCFS is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 8.49% yearly.
EPS Next Y30.73%
EPS Next 2Y23.38%
EPS Next 3Y20.83%
EPS Next 5Y17.72%
Revenue Next Year5.68%
Revenue Next 2Y8.09%
Revenue Next 3Y8.49%
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
- FCFS is valuated rather expensively with a Price/Earnings ratio of 20.82.
- Compared to the rest of the industry, the Price/Earnings ratio of FCFS indicates a slightly more expensive valuation: FCFS is more expensive than 72.22% of the companies listed in the same industry.
- The average S&P500 Price/Earnings ratio is at 28.18. FCFS is valued slightly cheaper when compared to this.
- A Price/Forward Earnings ratio of 16.80 indicates a correct valuation of FCFS.
- 64.81% of the companies in the same industry are cheaper than FCFS, based on the Price/Forward Earnings ratio.
- When comparing the Price/Forward Earnings ratio of FCFS to the average of the S&P500 Index (25.51), we can say FCFS is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 20.82 | ||
| Fwd PE | 16.8 |
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 | 19.04 | ||
| EV/EBITDA | 14.98 |
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.
- FCFS's earnings are expected to grow with 20.83% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.68
PEG (5Y)1.81
EPS Next 2Y23.38%
EPS Next 3Y20.83%
5. Dividend
5.1 Amount
- FCFS has a yearly dividend return of 0.98%, which is pretty low.
- Compared to an average industry Dividend Yield of 2.68, FCFS has a dividend in line with its industry peers.
- Compared to an average S&P500 Dividend Yield of 1.83, FCFS's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.98% |
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.
- FCFS has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
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 2Y23.38%
EPS Next 3Y20.83%
NASDAQ:FCFS (2/4/2026, 10:37:09 AM)
171.55
+0.57 (+0.33%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)10-30 2025-10-30/bmo
Earnings (Next)02-05 2026-02-05/bmo
Inst Owners91.52%
Inst Owner Change-2.37%
Ins Owners2.55%
Ins Owner Change-13.35%
Market Cap7.57B
Revenue(TTM)3.49B
Net Income(TTM)309.75M
Analysts80
Price Target182.14 (6.17%)
Short Float %1.52%
Short Ratio2.43
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.98% |
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)0%
PT rev (3m)4.34%
EPS NQ rev (1m)-1.12%
EPS NQ rev (3m)2.97%
EPS NY rev (1m)-0.15%
EPS NY rev (3m)3.07%
Revenue NQ rev (1m)-0.19%
Revenue NQ rev (3m)8.44%
Revenue NY rev (1m)-0.05%
Revenue NY rev (3m)4.03%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 20.82 | ||
| Fwd PE | 16.8 | ||
| P/S | 2.17 | ||
| P/FCF | 19.04 | ||
| P/OCF | 13.11 | ||
| P/B | 3.44 | ||
| P/tB | N/A | ||
| EV/EBITDA | 14.98 |
EPS(TTM)8.24
EY4.8%
EPS(NY)10.21
Fwd EY5.95%
FCF(TTM)9.01
FCFY5.25%
OCF(TTM)13.09
OCFY7.63%
SpS79
BVpS49.84
TBVpS-0.4
PEG (NY)0.68
PEG (5Y)1.81
Graham Number96.13
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 | 3.29 |
F-Score7
WACC8.06%
ROIC/WACC1.04
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 Y30.73%
EPS Next 2Y23.38%
EPS Next 3Y20.83%
EPS Next 5Y17.72%
Revenue 1Y (TTM)3.86%
Revenue growth 3Y25.87%
Revenue growth 5Y12.69%
Sales Q2Q%11.73%
Revenue Next Year5.68%
Revenue Next 2Y8.09%
Revenue Next 3Y8.49%
Revenue Next 5YN/A
EBIT growth 1Y22.77%
EBIT growth 3Y28%
EBIT growth 5Y11.76%
EBIT Next Year65.02%
EBIT Next 3Y29.82%
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
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 4 / 10 to FIRSTCASH HOLDINGS INC (FCFS). This can be considered as Fairly Valued.
What is the profitability of 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 20.82 and the Price/Book (PB) ratio is 3.44.
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%.