FIRSTCASH HOLDINGS INC (FCFS) Fundamental Analysis & Valuation

NASDAQ:FCFS • US33768G1076

Current stock price

198.9 USD
+0.06 (+0.03%)
At close:
198.9 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

  • FCFS had positive earnings in the past year.
  • In the past year FCFS had a positive cash flow from operations.
  • Each year in the past 5 years FCFS has been profitable.
  • In the past 5 years FCFS always reported a positive cash flow from operatings.
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

  • FCFS has a better Return On Assets (6.23%) than 74.07% of its industry peers.
  • FCFS has a Return On Equity (14.51%) which is in line with 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.
  • The Average Return On Invested Capital over the past 3 years for FCFS is in line with the industry average of 9.87%.
  • 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

  • The Profit Margin of FCFS (9.02%) is worse than 61.11% of its industry peers.
  • FCFS's Profit Margin has improved in the last couple of years.
  • The Operating Margin of FCFS (16.09%) is comparable to the rest of the industry.
  • FCFS's Operating Margin has improved in the last couple of years.
  • With a Gross Margin value of 50.28%, FCFS perfoms like the industry average, outperforming 55.56% of the companies in the same industry.
  • In the last couple of years the Gross Margin of FCFS has declined.
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

  • FCFS has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is creating some value.
  • FCFS has less shares outstanding than it did 1 year ago.
  • Compared to 5 years ago, FCFS has more shares outstanding
  • 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

  • An Altman-Z score of 3.56 indicates that FCFS is not in any danger for bankruptcy at the moment.
  • With an excellent Altman-Z score value of 3.56, FCFS belongs to the best of the industry, outperforming 92.59% of the companies in the same industry.
  • 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.
  • The Debt to FCF ratio of FCFS (4.71) is better than 74.07% of its industry peers.
  • A Debt/Equity ratio of 0.97 indicates that FCFS is somewhat dependend on debt financing.
  • FCFS has a better Debt to Equity ratio (0.97) than 61.11% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.97
Debt/FCF 4.71
Altman-Z 3.56
ROIC/WACC1.09
WACC8.23%
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 4.55. This indicates that FCFS is financially healthy and has no problem in meeting its short term obligations.
  • Looking at the Current ratio, with a value of 4.55, FCFS belongs to the top of the industry, outperforming 88.89% of the companies in the same industry.
  • A Quick Ratio of 3.36 indicates that FCFS has no problem at all paying 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

  • The Earnings Per Share has grown by an impressive 30.55% over the past year.
  • 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

  • The Earnings Per Share is expected to grow by 15.93% on average over the next years. This is quite good.
  • The Revenue is expected to grow by 1.38% on average over the next years.
EPS Next Y18.67%
EPS Next 2Y18.61%
EPS Next 3Y18.39%
EPS Next 5Y15.93%
Revenue Next Year15.88%
Revenue Next 2Y12.05%
Revenue Next 3Y1.38%
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 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

  • With a Price/Earnings ratio of 22.71, FCFS is valued on the expensive side.
  • Based on the Price/Earnings ratio, FCFS is valued more expensive than 81.48% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 26.91, FCFS is valued at the same level.
  • A Price/Forward Earnings ratio of 19.13 indicates a rather expensive valuation of FCFS.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of FCFS indicates a slightly more expensive valuation: FCFS is more expensive than 68.52% of the companies listed in the same industry.
  • When comparing the Price/Forward Earnings ratio of FCFS to the average of the S&P500 Index (23.68), we can say FCFS is valued inline with the index average.
Industry RankSector Rank
PE 22.71
Fwd PE 19.13
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 61.11% of the companies in the same industry.
  • FCFS's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 18.65
EV/EBITDA 15.45
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.
  • FCFS has a very decent profitability rating, which may justify a higher PE ratio.
  • FCFS's earnings are expected to grow with 18.39% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.22
PEG (5Y)0.95
EPS Next 2Y18.61%
EPS Next 3Y18.39%

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

5

5. FCFS Dividend Analysis

5.1 Amount

  • FCFS has a yearly dividend return of 0.88%, which is pretty low.
  • FCFS's Dividend Yield is comparable with the industry average which is at 3.23.
  • Compared to an average S&P500 Dividend Yield of 1.89, FCFS's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 0.88%

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 Years9
Div Non Decr Years9
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

  • 21.45% 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.
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 (4/9/2026, 8:26:28 PM)

After market: 198.9 0 (0%)

198.9

+0.06 (+0.03%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)02-05
Earnings (Next)04-23
Inst Owners90.5%
Inst Owner Change0%
Ins Owners2.87%
Ins Owner Change5.68%
Market Cap8.75B
Revenue(TTM)3.66B
Net Income(TTM)330.38M
Analysts81.54
Price Target210.8 (5.98%)
Short Float %2.07%
Short Ratio2.68
Dividend
Industry RankSector Rank
Dividend Yield 0.88%
Yearly Dividend1.6
Dividend Growth(5Y)8.23%
DP21.45%
Div Incr Years9
Div Non Decr Years9
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)0.04%
EPS NQ rev (3m)-2.7%
EPS NY rev (1m)0%
EPS NY rev (3m)1.41%
Revenue NQ rev (1m)0.1%
Revenue NQ rev (3m)4.27%
Revenue NY rev (1m)0.02%
Revenue NY rev (3m)4.99%
Valuation
Industry RankSector Rank
PE 22.71
Fwd PE 19.13
P/S 2.39
P/FCF 18.65
P/OCF 14.93
P/B 3.84
P/tB 394.11
EV/EBITDA 15.45
EPS(TTM)8.76
EY4.4%
EPS(NY)10.4
Fwd EY5.23%
FCF(TTM)10.67
FCFY5.36%
OCF(TTM)13.32
OCFY6.7%
SpS83.24
BVpS51.77
TBVpS0.5
PEG (NY)1.22
PEG (5Y)0.95
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 3.56
F-Score7
WACC8.23%
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 Year15.88%
Revenue Next 2Y12.05%
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%.