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
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

6

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. FCFS has an excellent financial health rating, but there are some minor concerns on its profitability. FCFS is valued quite expensively, but it does show have an excellent growth rating. These ratings would make FCFS suitable for growth investing!


Dividend Valuation Growth Profitability Health

5

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.
  • Of the past 5 years FCFS 4 years had a positive operating cash flow.
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

  • 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.
  • With a Return On Equity value of 14.08%, FCFS perfoms like the industry average, outperforming 55.56% of the companies in the same industry.
  • The Return On Invested Capital of FCFS (8.30%) is better than 70.37% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years 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 RankSector 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%
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

  • 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's Gross Margin of 50.03% is in line compared to the rest of the industry. FCFS outperforms 46.30% of its industry peers.
  • In the last couple of years the Gross Margin of FCFS has declined.
Industry RankSector 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%
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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ROAROEROICOperating and Profit MarginShow most profitable peers

7

2. Health

2.1 Basic Checks

  • FCFS has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is 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.
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 3.39. 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.
  • FCFS has a debt to FCF ratio of 5.57. This is a neutral value as FCFS would need 5.57 years to pay back of all of its debts.
  • The Debt to FCF ratio of FCFS (5.57) is better than 74.07% 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 RankSector Rank
Debt/Equity 1.01
Debt/FCF 5.57
Altman-Z 3.39
ROIC/WACC1.05
WACC7.89%
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

  • 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 87.04% of its industry peers.
  • FCFS has a Quick Ratio of 3.72. This indicates that FCFS is financially healthy and has no problem in meeting its short term obligations.
  • The Quick ratio of FCFS (3.72) is better than 87.04% of its industry peers.
Industry RankSector Rank
Current Ratio 4.99
Quick Ratio 3.72
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

7

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%.
  • 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

  • The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
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 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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Find the best growth stocksShow best growing peers

3

4. Valuation

4.1 Price/Earnings Ratio

  • FCFS is valuated rather expensively with a Price/Earnings ratio of 20.76.
  • Based on the Price/Earnings ratio, FCFS is valued a bit more expensive than 72.22% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of FCFS to the average of the S&P500 Index (26.68), we can say FCFS is valued slightly cheaper.
  • The Price/Forward Earnings ratio is 17.76, which indicates a rather expensive current valuation of FCFS.
  • Based on the Price/Forward Earnings ratio, FCFS is valued a bit more expensive than the industry average as 64.81% of the companies are valued more cheaply.
  • When comparing the Price/Forward Earnings ratio of FCFS to the average of the S&P500 Index (28.06), we can say FCFS is valued slightly cheaper.
Industry RankSector Rank
PE 20.76
Fwd PE 17.76
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

  • FCFS's Enterprise Value to EBITDA is on the same level as the industry average.
  • The rest of the industry has a similar Price/Free Cash Flow ratio as FCFS.
Industry RankSector Rank
P/FCF 20.19
EV/EBITDA 15.72
FCFS Per share dataFCFS EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 20 40 60

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%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

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 2.98.
  • With a Dividend Yield of 0.92, FCFS pays less dividend than the S&P500 average, which is at 1.84.
Industry RankSector 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
FCFS Yearly Dividends per shareFCFS Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5

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%
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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FIRSTCASH HOLDINGS INC

NASDAQ:FCFS (2/13/2026, 8:06:38 PM)

After market: 181.89 0 (0%)

181.89

-0.11 (-0.06%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)02-05
Earnings (Next)N/A
Inst Owners91.52%
Inst Owner Change-0.67%
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 RankSector 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 RankSector 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 RankSector 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 RankSector 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 5 / 10.


Can you provide the PE and PB ratios for FCFS stock?

The Price/Earnings (PE) ratio for FIRSTCASH HOLDINGS INC (FCFS) is 20.76 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%.