168.55 USD
+0.52 (+0.31%)
We assign a fundamental rating of 6 out of 10 to FCFS. FCFS was compared to 53 industry peers in the Consumer Finance industry. FCFS is in great health and has no worries on liquidiy or solvency at all, but the profibility rating is only average. 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.
- In the past 5 years FCFS has always been profitable.
- 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 73.58% 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 8.36%, FCFS is doing good in the industry, outperforming 69.81% of the companies in the same industry.
- FCFS had an Average Return On Invested Capital over the past 3 years of 7.96%. This is below the industry average of 12.42%.
- The last Return On Invested Capital (8.36%) for FCFS is above the 3 year average (7.96%), which is a sign of increasing profitability.
| 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 of 8.88%. This is in the lower half of the industry: FCFS underperforms 60.38% of its industry peers.
- In the last couple of years the Profit Margin of FCFS has declined.
- The Operating Margin of FCFS (15.38%) is comparable to the rest of the industry.
- In the last couple of years the Operating Margin of FCFS has remained more or less at the same level.
- Looking at the Gross Margin, with a value of 50.03%, FCFS is in line with its industry, outperforming 47.17% of the companies in the same 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 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 just above the Cost of Capital (WACC), so FCFS is still 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.
- The debt/assets ratio for FCFS is higher compared to a year ago.
2.2 Solvency
- FCFS has an Altman-Z score of 3.27. This indicates that FCFS is financially healthy and has little risk of bankruptcy at the moment.
- With an excellent Altman-Z score value of 3.27, FCFS belongs to the best of the industry, outperforming 90.57% of the companies in the same industry.
- 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.
- With a decent Debt to FCF ratio value of 5.57, FCFS is doing good in the industry, outperforming 75.47% of the companies in the same industry.
- A Debt/Equity ratio of 1.01 is on the high side and indicates that FCFS has dependencies on debt financing.
- FCFS's Debt to Equity ratio of 1.01 is fine compared to the rest of the industry. FCFS outperforms 62.26% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.01 | ||
| Debt/FCF | 5.57 | ||
| Altman-Z | 3.27 |
ROIC/WACC1.05
WACC7.96%
2.3 Liquidity
- A Current Ratio of 4.99 indicates that FCFS has no problem at all paying its short term obligations.
- With an excellent Current ratio value of 4.99, FCFS belongs to the best of the industry, outperforming 88.68% of the companies in the same industry.
- 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 88.68% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 4.99 | ||
| Quick Ratio | 3.72 |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an impressive 24.28% over the past year.
- The Earnings Per Share has been growing by 11.52% on average over the past years. This is quite good.
- Looking at the last year, FCFS shows a small growth in Revenue. The Revenue has grown by 3.86% in the last year.
- Measured over the past years, FCFS shows a quite strong growth in Revenue. The Revenue has been growing by 12.69% on average per year.
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
- FCFS is valuated rather expensively with a Price/Earnings ratio of 20.46.
- 67.92% 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 27.33.
- A Price/Forward Earnings ratio of 16.44 indicates a correct valuation of FCFS.
- FCFS's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. FCFS is more expensive than 66.04% of the companies in the same industry.
- The average S&P500 Price/Forward Earnings ratio is at 24.12. FCFS is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 20.46 | ||
| Fwd PE | 16.44 |
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 Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 18.71 | ||
| EV/EBITDA | 14.77 |
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)0.66
PEG (5Y)1.78
EPS Next 2Y23.6%
EPS Next 3Y20.63%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 1.02%, FCFS has a reasonable but not impressive dividend return.
- FCFS's Dividend Yield is comparable with the industry average which is at 2.60.
- Compared to an average S&P500 Dividend Yield of 1.91, FCFS's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.02% |
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
- FCFS pays out 22.42% of its income as dividend. This is a sustainable payout ratio.
- FCFS's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP22.42%
EPS Next 2Y23.6%
EPS Next 3Y20.63%
NASDAQ:FCFS (1/15/2026, 3:40:07 PM)
168.55
+0.52 (+0.31%)
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/amc
Inst Owners91.52%
Inst Owner Change-0.05%
Ins Owners2.55%
Ins Owner Change-15.13%
Market Cap7.44B
Revenue(TTM)3.49B
Net Income(TTM)309.75M
Analysts80
Price Target182.14 (8.06%)
Short Float %1.37%
Short Ratio2.05
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.02% |
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)10%
EPS NQ rev (1m)0%
EPS NQ rev (3m)3.72%
EPS NY rev (1m)0%
EPS NY rev (3m)3.23%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)8.7%
Revenue NY rev (1m)0%
Revenue NY rev (3m)4.26%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 20.46 | ||
| Fwd PE | 16.44 | ||
| P/S | 2.13 | ||
| P/FCF | 18.71 | ||
| P/OCF | 12.88 | ||
| P/B | 3.38 | ||
| P/tB | N/A | ||
| EV/EBITDA | 14.77 |
EPS(TTM)8.24
EY4.89%
EPS(NY)10.25
Fwd EY6.08%
FCF(TTM)9.01
FCFY5.34%
OCF(TTM)13.09
OCFY7.76%
SpS79
BVpS49.84
TBVpS-0.4
PEG (NY)0.66
PEG (5Y)1.78
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 | 3.27 |
F-Score7
WACC7.96%
ROIC/WACC1.05
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 1Y22.77%
EBIT growth 3Y28%
EBIT growth 5Y11.76%
EBIT Next Year65.25%
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 20.46 and the Price/Book (PB) ratio is 3.38.
Is the dividend of FIRSTCASH HOLDINGS INC sustainable?
The dividend rating of FIRSTCASH HOLDINGS INC (FCFS) is 6 / 10 and the dividend payout ratio is 22.42%.