FIRSTCASH HOLDINGS INC (FCFS) Stock Fundamental Analysis
USA - NASDAQ:FCFS - US33768G1076 - Common Stock
156.59 USD
+1.02 (+0.66%)
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 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.
FCFS had a positive operating cash flow in the past year.
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
Looking at the Return On Assets, with a value of 6.46%, FCFS is in the better half of the industry, outperforming 78.18% of the companies in the same industry.
FCFS has a Return On Equity (13.63%) which is comparable to the rest of the industry.
FCFS's Return On Invested Capital of 8.91% is fine compared to the rest of the industry. FCFS outperforms 72.73% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for FCFS is below the industry average of 11.61%.
The 3 year average ROIC (7.96%) for FCFS is below the current ROIC(8.91%), indicating increased profibility in the last year.
| 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
FCFS has a Profit Margin (8.61%) which is in line with its industry peers.
FCFS's Profit Margin has declined in the last couple of years.
Looking at the Operating Margin, with a value of 14.65%, FCFS is in line with its industry, outperforming 60.00% of the companies in the same industry.
FCFS's Operating Margin has been stable in the last couple of years.
With a Gross Margin value of 49.45%, FCFS perfoms like the industry average, outperforming 47.27% of the companies in the same 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
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), FCFS is destroying value.
FCFS has less shares outstanding than it did 1 year ago.
Compared to 5 years ago, FCFS has more shares outstanding
FCFS has a worse debt/assets ratio than last year.
2.2 Solvency
FCFS has an Altman-Z score of 3.62. This indicates that FCFS is financially healthy and has little risk of bankruptcy at the moment.
FCFS has a Altman-Z score of 3.62. This is amongst the best in the industry. FCFS outperforms 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.
Looking at the Debt to FCF ratio, with a value of 4.33, FCFS is in the better half of the industry, outperforming 76.36% of the companies in the same industry.
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 | 3.62 |
ROIC/WACC0.88
WACC10.08%
2.3 Liquidity
A Current Ratio of 4.21 indicates that FCFS has no problem at all paying its short term obligations.
FCFS has a better Current ratio (4.21) than 85.45% of its industry peers.
FCFS has a Quick Ratio of 3.12. This indicates that FCFS is financially healthy and has no problem in meeting its short term obligations.
FCFS's Quick ratio of 3.12 is fine compared to the rest of the industry. FCFS outperforms 80.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 4.21 | ||
| Quick Ratio | 3.12 |
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.
Measured over the past years, FCFS shows a quite strong growth in Earnings Per Share. The EPS has been growing by 11.52% on average per year.
The Revenue has been growing slightly by 3.86% in the past year.
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.
Based on estimates for the next years, FCFS will show a quite strong growth in Revenue. The Revenue will grow by 8.08% on average per year.
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
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
FCFS is valuated rather expensively with a Price/Earnings ratio of 19.00.
69.09% of the companies in the same industry are cheaper than FCFS, based on the Price/Earnings ratio.
FCFS is valuated rather cheaply when we compare the Price/Earnings ratio to 25.47, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 15.28, the valuation of FCFS can be described as correct.
FCFS's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. FCFS is more expensive than 61.82% of the companies in the same industry.
FCFS is valuated cheaply when we compare the Price/Forward Earnings ratio to 35.42, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 19 | ||
| Fwd PE | 15.28 |
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 | 17.85 | ||
| EV/EBITDA | 14.21 |
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.
A more expensive valuation may be justified as FCFS's earnings are expected to grow with 20.63% in the coming years.
PEG (NY)0.61
PEG (5Y)1.65
EPS Next 2Y23.6%
EPS Next 3Y20.63%
5. Dividend
5.1 Amount
FCFS has a Yearly Dividend Yield of 1.06%.
FCFS's Dividend Yield is comparable with the industry average which is at 4.71.
With a Dividend Yield of 1.06, FCFS pays less dividend than the S&P500 average, which is at 2.44.
| 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.
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
23.24% of the earnings are spent on dividend by FCFS. This is a low number and sustainable payout ratio.
FCFS's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP23.24%
EPS Next 2Y23.6%
EPS Next 3Y20.63%
NASDAQ:FCFS (11/19/2025, 2:55:07 PM)
156.59
+1.02 (+0.66%)
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 Cap6.95B
Revenue(TTM)3.49B
Net Income(TTM)291.77M
Analysts80
Price Target174.57 (11.48%)
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 | 19 | ||
| Fwd PE | 15.28 | ||
| P/S | 2.05 | ||
| P/FCF | 17.85 | ||
| P/OCF | 12.52 | ||
| P/B | 3.25 | ||
| P/tB | 63.53 | ||
| EV/EBITDA | 14.21 |
EPS(TTM)8.24
EY5.26%
EPS(NY)10.25
Fwd EY6.55%
FCF(TTM)8.77
FCFY5.6%
OCF(TTM)12.51
OCFY7.99%
SpS76.38
BVpS48.25
TBVpS2.46
PEG (NY)0.61
PEG (5Y)1.65
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 | 3.62 |
F-Score8
WACC10.08%
ROIC/WACC0.88
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 19 and the Price/Book (PB) ratio is 3.25.
How financially healthy is FIRSTCASH HOLDINGS INC?
The financial health rating of FIRSTCASH HOLDINGS INC (FCFS) is 7 / 10.