160.96 USD
-1.39 (-0.86%)
160.96 USD
0 (0%)
Overall FCFS gets a fundamental rating of 6 out of 10. We evaluated FCFS against 56 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
In the past year FCFS was profitable.
FCFS had a positive operating cash flow in the past year.
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.
1.2 Ratios
FCFS has a better Return On Assets (5.98%) than 78.57% of its industry peers.
FCFS's Return On Equity of 14.08% is in line compared to the rest of the industry. FCFS outperforms 58.93% of its industry peers.
With a decent Return On Invested Capital value of 8.36%, FCFS is doing good in the industry, outperforming 71.43% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for FCFS is below the industry average of 12.59%.
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 (8.88%) which is in line with its industry peers.
In the last couple of years the Profit Margin of FCFS has declined.
FCFS's Operating Margin of 15.38% is fine compared to the rest of the industry. FCFS outperforms 60.71% of its industry peers.
In the last couple of years the Operating Margin of FCFS has remained more or less at the same level.
FCFS has a Gross Margin (50.03%) which is in line with its industry peers.
FCFS's Gross Margin has declined in the last couple of years.
| 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
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.
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.
2.2 Solvency
An Altman-Z score of 3.22 indicates that FCFS is not in any danger for bankruptcy at the moment.
FCFS has a Altman-Z score of 3.22. This is amongst the best in the industry. FCFS outperforms 91.07% of its industry peers.
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.
The Debt to FCF ratio of FCFS (5.57) is better than 76.79% of its industry peers.
FCFS has a Debt/Equity ratio of 1.01. This is a high value indicating a heavy dependency on external financing.
FCFS has a Debt to Equity ratio of 1.01. This is in the better half of the industry: FCFS outperforms 60.71% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.01 | ||
| Debt/FCF | 5.57 | ||
| Altman-Z | 3.22 |
ROIC/WACC0.88
WACC9.47%
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.
Looking at the Current ratio, with a value of 4.99, FCFS belongs to the top of the industry, outperforming 87.50% of the companies in the same industry.
A Quick Ratio of 3.72 indicates that FCFS has no problem at all paying its short term obligations.
FCFS has a Quick ratio of 3.72. This is amongst the best in the industry. FCFS outperforms 83.93% 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.
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.
FCFS shows a small growth in Revenue. In the last year, the Revenue has grown by 3.86%.
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
FCFS is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 17.72% yearly.
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
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
With a Price/Earnings ratio of 19.53, FCFS is valued on the expensive side.
FCFS's Price/Earnings ratio is a bit more expensive when compared to the industry. FCFS is more expensive than 66.07% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 26.57. FCFS is valued slightly cheaper when compared to this.
The Price/Forward Earnings ratio is 15.70, which indicates a correct valuation of FCFS.
Based on the Price/Forward Earnings ratio, FCFS is valued a bit more expensive than 60.71% of the companies in the same industry.
FCFS's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 24.04.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 19.53 | ||
| Fwd PE | 15.7 |
4.2 Price Multiples
62.50% of the companies in the same industry are more expensive than FCFS, based on the Enterprise Value to EBITDA ratio.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of FCFS is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 17.87 | ||
| EV/EBITDA | 14.38 |
4.3 Compensation for Growth
FCFS's 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)0.63
PEG (5Y)1.7
EPS Next 2Y23.6%
EPS Next 3Y20.63%
5. Dividend
5.1 Amount
FCFS has a Yearly Dividend Yield of 1.04%. Purely for dividend investing, there may be better candidates out there.
FCFS's Dividend Yield is comparable with the industry average which is at 2.35.
With a Dividend Yield of 1.04, FCFS pays less dividend than the S&P500 average, which is at 1.88.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.04% |
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.
The dividend of FCFS is growing, but earnings are growing more, so the dividend growth is sustainable.
DP22.42%
EPS Next 2Y23.6%
EPS Next 3Y20.63%
160.96
-1.39 (-0.86%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners91.43%
Inst Owner Change2.14%
Ins Owners2.56%
Ins Owner Change-13.11%
Market Cap7.10B
Revenue(TTM)3.49B
Net Income(TTM)309.75M
Analysts80
Price TargetN/A
Short Float %1.39%
Short Ratio2
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.04% |
Yearly Dividend1.46
Dividend Growth(5Y)7.4%
DP22.42%
Div Incr Years8
Div Non Decr Years8
Ex-Date
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)4.34%
PT rev (3m)10%
EPS NQ rev (1m)0%
EPS NQ rev (3m)3.72%
EPS NY rev (1m)0%
EPS NY rev (3m)5.81%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)8.7%
Revenue NY rev (1m)0%
Revenue NY rev (3m)4.29%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 19.53 | ||
| Fwd PE | 15.7 | ||
| P/S | 2.04 | ||
| P/FCF | 17.87 | ||
| P/OCF | 12.3 | ||
| P/B | 3.23 | ||
| P/tB | N/A | ||
| EV/EBITDA | 14.38 |
EPS(TTM)8.24
EY5.12%
EPS(NY)10.25
Fwd EY6.37%
FCF(TTM)9.01
FCFY5.6%
OCF(TTM)13.09
OCFY8.13%
SpS79
BVpS49.84
TBVpS-0.4
PEG (NY)0.63
PEG (5Y)1.7
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 | 3.22 |
F-Score7
WACC9.47%
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 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
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 19.53 and the Price/Book (PB) ratio is 3.23.
How financially healthy is FIRSTCASH HOLDINGS INC?
The financial health rating of FIRSTCASH HOLDINGS INC (FCFS) is 7 / 10.