FIRSTCASH HOLDINGS INC (FCFS) Stock Fundamental Analysis
NASDAQ:FCFS • US33768G1076
182.86 USD
+0.97 (+0.53%)
Last: Feb 17, 2026, 03:05 PM
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 expensive, but it does show an excellent growth. This makes FCFS very considerable for growth investing!
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.
- Each year in the past 5 years FCFS has been profitable.
- FCFS had a positive operating cash flow in 4 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 74.07% of its industry peers.
- The Return On Equity of FCFS (14.08%) is comparable to the rest of the industry.
- FCFS has a Return On Invested Capital of 8.30%. This is in the better half of the industry: FCFS outperforms 70.37% of its industry peers.
- Measured over the past 3 years, the Average Return On Invested Capital for FCFS is below the industry average of 12.20%.
- The 3 year average ROIC (8.11%) for FCFS is below the current ROIC(8.30%), indicating increased profibility in the last year.
| Industry Rank | Sector 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%
1.3 Margins
- The Profit Margin of FCFS (8.88%) is worse than 61.11% of its industry peers.
- FCFS's Profit Margin has improved in the last couple of years.
- With a Operating Margin value of 15.38%, FCFS perfoms like the industry average, outperforming 57.41% of the companies in the same industry.
- In the last couple of years the Operating Margin of FCFS has grown nicely.
- FCFS has a Gross Margin (50.03%) which is comparable to the rest of the industry.
- 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 3Y2.85%
OM growth 5Y5.62%
PM growth 3Y-0.96%
PM growth 5Y6.67%
GM growth 3Y2.75%
GM growth 5Y-2.08%
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.
- Compared to 1 year ago, FCFS has less shares outstanding
- Compared to 5 years ago, FCFS has more shares outstanding
- Compared to 1 year ago, FCFS has a worse debt to assets ratio.
2.2 Solvency
- An Altman-Z score of 3.39 indicates that FCFS is not in any danger for bankruptcy at the moment.
- The Altman-Z score of FCFS (3.39) is better than 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.
- FCFS has a better Debt to FCF ratio (5.57) than 74.07% 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.
- The Debt to Equity ratio of FCFS (1.01) is better than 62.96% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.01 | ||
| Debt/FCF | 5.57 | ||
| Altman-Z | 3.39 |
ROIC/WACC1.05
WACC7.89%
2.3 Liquidity
- A Current Ratio of 4.99 indicates that FCFS has no problem at all paying its short term obligations.
- FCFS has a better Current ratio (4.99) 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.
- Looking at the Quick ratio, with a value of 3.72, FCFS belongs to the top of the industry, outperforming 87.04% of the companies in the same industry.
| 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 30.55% over the past year.
- FCFS shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 23.82% yearly.
- The Revenue has grown by 8.04% in the past year. This is quite good.
- 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
- FCFS is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 15.93% yearly.
- The Revenue is expected to grow by 9.86% on average over the next years. This is quite good.
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
- Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of the past 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 20.87.
- 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 (27.19), we can say FCFS is valued slightly cheaper.
- With a Price/Forward Earnings ratio of 17.85, FCFS is valued on the expensive side.
- 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.
- FCFS's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 28.06.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 20.87 | ||
| Fwd PE | 17.85 |
4.2 Price Multiples
- FCFS's Enterprise Value to EBITDA ratio is in line with the industry average.
- The rest of the industry has a similar Price/Free Cash Flow ratio as FCFS.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 20.3 | ||
| EV/EBITDA | 15.72 |
4.3 Compensation for Growth
- The 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)0.88
EPS Next 2Y16.24%
EPS Next 3Y15.05%
5. Dividend
5.1 Amount
- With a yearly dividend of 0.92%, FCFS is not a good candidate for dividend investing.
- Compared to an average industry Dividend Yield of 2.98, FCFS has a dividend in line with its industry peers.
- Compared to an average S&P500 Dividend Yield of 1.82, FCFS's dividend is way lower than the S&P500 average.
| Industry Rank | Sector 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
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 2Y16.24%
EPS Next 3Y15.05%
NASDAQ:FCFS (2/17/2026, 3:05:07 PM)
182.86
+0.97 (+0.53%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)02-05 2026-02-05/bmo
Earnings (Next)N/A N/A
Inst Owners91.52%
Inst Owner Change-0.67%
Ins Owners2.55%
Ins Owner Change-1.52%
Market Cap8.07B
Revenue(TTM)3.66B
Net Income(TTM)309.75M
Analysts80
Price Target188.36 (3.01%)
Short Float %1.34%
Short Ratio2.06
Dividend
| Industry Rank | Sector 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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | 20.87 | ||
| Fwd PE | 17.85 | ||
| P/S | 2.31 | ||
| P/FCF | 20.3 | ||
| P/OCF | 13.97 | ||
| P/B | 3.67 | ||
| P/tB | N/A | ||
| EV/EBITDA | 15.72 |
EPS(TTM)8.76
EY4.79%
EPS(NY)10.24
Fwd EY5.6%
FCF(TTM)9.01
FCFY4.93%
OCF(TTM)13.09
OCFY7.16%
SpS79
BVpS49.84
TBVpS-0.4
PEG (NY)1.23
PEG (5Y)0.88
Graham Number99.12
Profitability
| Industry Rank | Sector 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 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 | 3.39 |
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 20.87 and the Price/Book (PB) ratio is 3.67.
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%.