FIRSTCASH HOLDINGS INC (FCFS) Stock Fundamental Analysis
USA - NASDAQ:FCFS - US33768G1076 - Common Stock
155.57 USD
+0.96 (+0.62%)
155.57 USD
0 (0%)
Overall FCFS gets a fundamental rating of 6 out of 10. We evaluated FCFS against 55 industry peers in the Consumer Finance industry. While FCFS has a great health rating, its profitability is only average at the moment. FCFS has a decent growth rate and is not valued too expensively.
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.
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
With a decent Return On Assets value of 6.46%, FCFS is doing good in the industry, outperforming 78.18% of the companies in the same industry.
The Return On Equity of FCFS (13.63%) is comparable to the rest of the industry.
FCFS has a Return On Invested Capital of 8.91%. This is in the better half of the industry: FCFS outperforms 72.73% of its industry peers.
FCFS had an Average Return On Invested Capital over the past 3 years of 7.96%. This is below the industry average of 11.61%.
The last Return On Invested Capital (8.91%) for FCFS is above the 3 year average (7.96%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 6.46% | ||
| ROE | 13.63% | ||
| ROIC | 8.91% |
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
With a Profit Margin value of 8.61%, FCFS perfoms like the industry average, outperforming 47.27% of the companies in the same industry.
In the last couple of years the Profit Margin of FCFS has declined.
FCFS has a Operating Margin (14.65%) which is comparable to the rest of the industry.
FCFS's Operating Margin has been stable in the last couple of years.
FCFS has a Gross Margin (49.45%) which is comparable to the rest of the industry.
FCFS's Gross Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 14.65% | ||
| PM (TTM) | 8.61% | ||
| GM | 49.45% |
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.
FCFS has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, FCFS has a worse debt to assets ratio.
2.2 Solvency
FCFS has an Altman-Z score of 3.60. This indicates that FCFS is financially healthy and has little risk of bankruptcy at the moment.
FCFS has a better Altman-Z score (3.60) than 89.09% of its industry peers.
The Debt to FCF ratio of FCFS is 4.33, which is a neutral value as it means it would take FCFS, 4.33 years of fcf income to pay off all of its debts.
FCFS has a Debt to FCF ratio of 4.33. This is in the better half of the industry: FCFS outperforms 76.36% of its industry peers.
FCFS has a Debt/Equity ratio of 0.79. This is a neutral value indicating FCFS is somewhat dependend on debt financing.
With a decent Debt to Equity ratio value of 0.79, FCFS is doing good in the industry, outperforming 65.45% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.79 | ||
| Debt/FCF | 4.33 | ||
| Altman-Z | 3.6 |
ROIC/WACC0.89
WACC10.07%
2.3 Liquidity
FCFS has a Current Ratio of 4.21. This indicates that FCFS is financially healthy and has no problem in meeting its short term obligations.
FCFS has a Current ratio of 4.21. This is amongst the best in the industry. FCFS outperforms 85.45% of its industry peers.
A Quick Ratio of 3.12 indicates that FCFS has no problem at all paying its short term obligations.
FCFS has a better Quick ratio (3.12) than 80.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 4.21 | ||
| Quick Ratio | 3.12 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 24.28% over the past year.
FCFS shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 11.52% yearly.
Looking at the last year, FCFS shows a small growth in Revenue. The Revenue has grown by 3.86% in the last year.
The Revenue has been growing by 12.69% on average over the past years. This is quite good.
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
Based on estimates for the next years, FCFS will show a quite strong growth in Earnings Per Share. The EPS will grow by 17.72% on average per year.
The Revenue is expected to grow by 8.08% on average over the next years. This is quite good.
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 18.88, FCFS is valued on the expensive side.
69.09% of the companies in the same industry are cheaper than FCFS, based on the Price/Earnings ratio.
FCFS's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 25.51.
The Price/Forward Earnings ratio is 15.18, which indicates a correct valuation of FCFS.
Based on the Price/Forward Earnings ratio, FCFS is valued a bit more expensive than the industry average as 61.82% of the companies are valued more cheaply.
The average S&P500 Price/Forward Earnings ratio is at 34.98. FCFS is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.88 | ||
| Fwd PE | 15.18 |
4.2 Price Multiples
FCFS's Enterprise Value to EBITDA ratio is in line with the industry average.
FCFS's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 17.74 | ||
| EV/EBITDA | 14.07 |
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 20.63% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.61
PEG (5Y)1.64
EPS Next 2Y23.6%
EPS Next 3Y20.63%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 1.06%, FCFS has a reasonable but not impressive dividend return.
FCFS's Dividend Yield is comparable with the industry average which is at 4.69.
Compared to an average S&P500 Dividend Yield of 2.44, FCFS's dividend is way lower than the S&P500 average.
| 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 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 23.24% 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.
DP23.24%
EPS Next 2Y23.6%
EPS Next 3Y20.63%
155.57
+0.96 (+0.62%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners87.91%
Inst Owner Change2.75%
Ins Owners2.63%
Ins Owner Change-10.76%
Market Cap6.90B
Revenue(TTM)3.49B
Net Income(TTM)291.77M
Analysts80
Price Target174.57 (12.21%)
Short Float %1.35%
Short Ratio1.75
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.06% |
Yearly Dividend1.46
Dividend Growth(5Y)7.4%
DP23.24%
Div Incr Years8
Div Non Decr Years8
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)10.88%
Min EPS beat(2)5.03%
Max EPS beat(2)16.73%
EPS beat(4)4
Avg EPS beat(4)6.49%
Min EPS beat(4)0.98%
Max EPS beat(4)16.73%
EPS beat(8)7
Avg EPS beat(8)6.29%
EPS beat(12)11
Avg EPS beat(12)6.85%
EPS beat(16)15
Avg EPS beat(16)8.22%
Revenue beat(2)0
Avg Revenue beat(2)-1.44%
Min Revenue beat(2)-1.87%
Max Revenue beat(2)-1.01%
Revenue beat(4)0
Avg Revenue beat(4)-2.27%
Min Revenue beat(4)-3.47%
Max Revenue beat(4)-1.01%
Revenue beat(8)1
Avg Revenue beat(8)-1.92%
Revenue beat(12)3
Avg Revenue beat(12)-1.32%
Revenue beat(16)5
Avg Revenue beat(16)-0.48%
PT rev (1m)5.43%
PT rev (3m)12.22%
EPS NQ rev (1m)-1.65%
EPS NQ rev (3m)4.27%
EPS NY rev (1m)3.23%
EPS NY rev (3m)8.16%
Revenue NQ rev (1m)0.7%
Revenue NQ rev (3m)0.16%
Revenue NY rev (1m)4.26%
Revenue NY rev (3m)3.76%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.88 | ||
| Fwd PE | 15.18 | ||
| P/S | 2.04 | ||
| P/FCF | 17.74 | ||
| P/OCF | 12.44 | ||
| P/B | 3.22 | ||
| P/tB | 63.12 | ||
| EV/EBITDA | 14.07 |
EPS(TTM)8.24
EY5.3%
EPS(NY)10.25
Fwd EY6.59%
FCF(TTM)8.77
FCFY5.64%
OCF(TTM)12.51
OCFY8.04%
SpS76.38
BVpS48.25
TBVpS2.46
PEG (NY)0.61
PEG (5Y)1.64
Graham Number94.58
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 6.46% | ||
| ROE | 13.63% | ||
| ROCE | 11.85% | ||
| ROIC | 8.91% | ||
| ROICexc | 9.13% | ||
| ROICexgc | 18.16% | ||
| OM | 14.65% | ||
| PM (TTM) | 8.61% | ||
| GM | 49.45% | ||
| FCFM | 11.48% |
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-Score8
Asset Turnover0.75
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.79 | ||
| Debt/FCF | 4.33 | ||
| Debt/EBITDA | 2.81 | ||
| Cap/Depr | 159.68% | ||
| Cap/Sales | 4.89% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 92.44% | ||
| Profit Quality | 133.35% | ||
| Current Ratio | 4.21 | ||
| Quick Ratio | 3.12 | ||
| Altman-Z | 3.6 |
F-Score8
WACC10.07%
ROIC/WACC0.89
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 1Y15.85%
EBIT growth 3Y28%
EBIT growth 5Y11.76%
EBIT Next Year56.88%
EBIT Next 3Y32.78%
EBIT Next 5YN/A
FCF growth 1Y-3.69%
FCF growth 3Y28.61%
FCF growth 5Y15.54%
OCF growth 1Y23.77%
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 18.88 and the Price/Book (PB) ratio is 3.22.
How financially healthy is FIRSTCASH HOLDINGS INC?
The financial health rating of FIRSTCASH HOLDINGS INC (FCFS) is 7 / 10.