150.46 USD
+2.41 (+1.63%)
150.46 USD
0 (0%)
Taking everything into account, FCFS scores 6 out of 10 in our fundamental rating. FCFS was compared to 55 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 has a decent growth rate and is not valued too expensively.
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.
Each year in the past 5 years FCFS has been profitable.
FCFS had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
FCFS's Return On Assets of 5.98% is fine compared to the rest of the industry. FCFS outperforms 78.18% 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 72.73% 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 11.61%.
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 has a Operating Margin of 15.38%. This is comparable to the rest of the industry: FCFS outperforms 60.00% of its industry peers.
FCFS's Operating Margin has been stable in the last couple of years.
FCFS has a Gross Margin of 50.03%. This is comparable to the rest of the industry: FCFS outperforms 47.27% of 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.
The number of shares outstanding for FCFS has been reduced compared to 1 year ago.
FCFS has more shares outstanding than it did 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 3.12. This indicates that FCFS is financially healthy and has little risk of bankruptcy at the moment.
With an excellent Altman-Z score value of 3.12, FCFS belongs to the best of the industry, outperforming 89.09% 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 76.36% 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 has a Debt to Equity ratio of 1.01. This is in the better half of the industry: FCFS outperforms 65.45% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.01 | ||
| Debt/FCF | 5.57 | ||
| Altman-Z | 3.12 |
ROIC/WACC0.84
WACC10%
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 Current ratio of 4.99. This is amongst the best in the industry. FCFS outperforms 85.45% 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.
FCFS's Quick ratio of 3.72 is fine compared to the rest of the industry. FCFS outperforms 80.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 4.99 | ||
| Quick Ratio | 3.72 |
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.
Looking at the last year, FCFS shows a small growth in Revenue. The Revenue has grown by 3.86% in the last year.
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
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
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
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 18.26.
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 25.45, which is the current average of the S&P500 Index.
FCFS is valuated correctly with a Price/Forward Earnings ratio of 14.68.
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 61.82% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 34.46. FCFS is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.26 | ||
| Fwd PE | 14.68 |
4.2 Price Multiples
FCFS's Enterprise Value to EBITDA is on the same level as the industry average.
FCFS's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 16.79 | ||
| EV/EBITDA | 13.62 |
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.
FCFS's earnings are expected to grow with 20.63% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.59
PEG (5Y)1.58
EPS Next 2Y23.6%
EPS Next 3Y20.63%
5. Dividend
5.1 Amount
FCFS has a Yearly Dividend Yield of 1.13%. Purely for dividend investing, there may be better candidates out there.
FCFS's Dividend Yield is comparable with the industry average which is at 5.07.
Compared to an average S&P500 Dividend Yield of 2.42, FCFS's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.13% |
5.2 History
The dividend of FCFS is nicely growing with an annual growth rate of 7.40%!
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
22.42% 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.
DP22.42%
EPS Next 2Y23.6%
EPS Next 3Y20.63%
150.46
+2.41 (+1.63%)
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 Cap6.67B
Revenue(TTM)3.49B
Net Income(TTM)309.75M
Analysts80
Price Target182.14 (21.06%)
Short Float %1.35%
Short Ratio1.75
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.13% |
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)10%
PT rev (3m)12.45%
EPS NQ rev (1m)4.14%
EPS NQ rev (3m)8.97%
EPS NY rev (1m)3.23%
EPS NY rev (3m)5.81%
Revenue NQ rev (1m)8.65%
Revenue NQ rev (3m)9.2%
Revenue NY rev (1m)4.09%
Revenue NY rev (3m)4.38%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.26 | ||
| Fwd PE | 14.68 | ||
| P/S | 1.91 | ||
| P/FCF | 16.79 | ||
| P/OCF | 11.56 | ||
| P/B | 3.03 | ||
| P/tB | N/A | ||
| EV/EBITDA | 13.62 |
EPS(TTM)8.24
EY5.48%
EPS(NY)10.25
Fwd EY6.81%
FCF(TTM)8.96
FCFY5.96%
OCF(TTM)13.02
OCFY8.65%
SpS78.59
BVpS49.59
TBVpS-0.39
PEG (NY)0.59
PEG (5Y)1.58
Graham Number95.88
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 | 3.12 |
F-Score7
WACC10%
ROIC/WACC0.84
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 Year56.88%
EBIT Next 3Y32.78%
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 18.26 and the Price/Book (PB) ratio is 3.03.
How financially healthy is FIRSTCASH HOLDINGS INC?
The financial health rating of FIRSTCASH HOLDINGS INC (FCFS) is 7 / 10.