FIRSTCASH HOLDINGS INC (FCFS) Stock Fundamental Analysis
NASDAQ:FCFS • US33768G1076
192.79 USD
+3.52 (+1.86%)
At close: Feb 27, 2026
192.79 USD
0 (0%)
After Hours: 2/27/2026, 8:00:04 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 valied quite expensively at the moment, while it does show 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.
- In the past 5 years FCFS has always been profitable.
- Each year in the past 5 years FCFS had a positive operating cash flow.
1.2 Ratios
- FCFS's Return On Assets of 6.23% is fine compared to the rest of the industry. FCFS outperforms 74.07% of its industry peers.
- The Return On Equity of FCFS (14.51%) is comparable to the rest of the industry.
- FCFS's Return On Invested Capital of 8.99% is fine compared to the rest of the industry. FCFS outperforms 70.37% of its industry peers.
- The Average Return On Invested Capital over the past 3 years for FCFS is below the industry average of 12.20%.
- The 3 year average ROIC (8.17%) for FCFS is below the current ROIC(8.99%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 6.23% | ||
| ROE | 14.51% | ||
| ROIC | 8.99% |
ROA(3y)5.71%
ROA(5y)5.37%
ROE(3y)12.7%
ROE(5y)11.7%
ROIC(3y)8.17%
ROIC(5y)7.47%
1.3 Margins
- FCFS has a worse Profit Margin (9.02%) than 62.96% of its industry peers.
- In the last couple of years the Profit Margin of FCFS has grown nicely.
- FCFS has a Operating Margin of 16.09%. This is comparable to the rest of the industry: FCFS outperforms 57.41% of its industry peers.
- FCFS's Operating Margin has improved in the last couple of years.
- The Gross Margin of FCFS (50.28%) is comparable to the rest of the industry.
- In the last couple of years the Gross Margin of FCFS has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 16.09% | ||
| PM (TTM) | 9.02% | ||
| GM | 50.28% |
OM growth 3Y3.5%
OM growth 5Y6.02%
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.
- The number of shares outstanding for FCFS has been reduced compared to 1 year ago.
- 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
- FCFS has an Altman-Z score of 3.48. This indicates that FCFS is financially healthy and has little risk of bankruptcy at the moment.
- FCFS's Altman-Z score of 3.48 is amongst the best of the industry. FCFS outperforms 92.59% of its industry peers.
- FCFS has a debt to FCF ratio of 4.71. This is a neutral value as FCFS would need 4.71 years to pay back of all of its debts.
- With a decent Debt to FCF ratio value of 4.71, FCFS is doing good in the industry, outperforming 74.07% of the companies in the same industry.
- FCFS has a Debt/Equity ratio of 0.97. This is a neutral value indicating FCFS is somewhat dependend on debt financing.
- With a decent Debt to Equity ratio value of 0.97, FCFS is doing good in the industry, outperforming 62.96% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.97 | ||
| Debt/FCF | 4.71 | ||
| Altman-Z | 3.48 |
ROIC/WACC1.13
WACC7.95%
2.3 Liquidity
- A Current Ratio of 4.55 indicates that FCFS has no problem at all paying its short term obligations.
- FCFS has a better Current ratio (4.55) than 85.19% of its industry peers.
- A Quick Ratio of 3.36 indicates that FCFS has no problem at all paying its short term obligations.
- Looking at the Quick ratio, with a value of 3.36, FCFS is in the better half of the industry, outperforming 79.63% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 4.55 | ||
| Quick Ratio | 3.36 |
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
- The Earnings Per Share is expected to grow by 15.93% on average over the next years. This is quite good.
- The Revenue is expected to grow by 1.38% on average over the next years.
EPS Next Y16.91%
EPS Next 2Y16.24%
EPS Next 3Y15.05%
EPS Next 5Y15.93%
Revenue Next Year15.94%
Revenue Next 2Y6.78%
Revenue Next 3Y1.38%
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
- With a Price/Earnings ratio of 22.01, FCFS is valued on the expensive side.
- Compared to the rest of the industry, the Price/Earnings ratio of FCFS indicates a slightly more expensive valuation: FCFS is more expensive than 74.07% of the companies listed in the same industry.
- Compared to an average S&P500 Price/Earnings ratio of 27.10, FCFS is valued at the same level.
- FCFS is valuated rather expensively with a Price/Forward Earnings ratio of 18.82.
- 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 is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 28.06, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 22.01 | ||
| Fwd PE | 18.82 |
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 | 18.14 | ||
| EV/EBITDA | 14.89 |
4.3 Compensation for Growth
- FCFS's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
- The decent profitability rating of FCFS may justify a higher PE ratio.
- FCFS's earnings are expected to grow with 15.05% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.3
PEG (5Y)0.92
EPS Next 2Y16.24%
EPS Next 3Y15.05%
5. Dividend
5.1 Amount
- With a yearly dividend of 0.89%, FCFS is not a good candidate for dividend investing.
- Compared to an average industry Dividend Yield of 2.85, FCFS has a dividend in line with its industry peers.
- Compared to an average S&P500 Dividend Yield of 1.83, FCFS's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.89% |
5.2 History
- The dividend of FCFS is nicely growing with an annual growth rate of 8.23%!
- 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)8.23%
Div Incr Years8
Div Non Decr Years8
5.3 Sustainability
- FCFS pays out 21.45% 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.
DP21.45%
EPS Next 2Y16.24%
EPS Next 3Y15.05%
192.79
+3.52 (+1.86%)
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-1.19%
Ins Owners2.55%
Ins Owner Change5.47%
Market Cap8.51B
Revenue(TTM)3.66B
Net Income(TTM)330.38M
Analysts80
Price Target206.89 (7.31%)
Short Float %1.34%
Short Ratio2.06
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.89% |
Yearly Dividend1.6
Dividend Growth(5Y)8.23%
DP21.45%
Div Incr Years8
Div Non Decr Years8
Ex-Date02-18 2026-02-18 (0.42)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)8.61%
Min EPS beat(2)3.15%
Max EPS beat(2)14.08%
EPS beat(4)4
Avg EPS beat(4)9.75%
Min EPS beat(4)3.15%
Max EPS beat(4)16.73%
EPS beat(8)7
Avg EPS beat(8)5.6%
EPS beat(12)11
Avg EPS beat(12)6.54%
EPS beat(16)15
Avg EPS beat(16)7.26%
Revenue beat(2)2
Avg Revenue beat(2)4.3%
Min Revenue beat(2)1.48%
Max Revenue beat(2)7.12%
Revenue beat(4)2
Avg Revenue beat(4)1.43%
Min Revenue beat(4)-1.87%
Max Revenue beat(4)7.12%
Revenue beat(8)2
Avg Revenue beat(8)-0.6%
Revenue beat(12)5
Avg Revenue beat(12)-0.27%
Revenue beat(16)6
Avg Revenue beat(16)-0.35%
PT rev (1m)3.41%
PT rev (3m)3.41%
EPS NQ rev (1m)-2.35%
EPS NQ rev (3m)-2.75%
EPS NY rev (1m)0.27%
EPS NY rev (3m)-0.09%
Revenue NQ rev (1m)4.41%
Revenue NQ rev (3m)4.47%
Revenue NY rev (1m)4.98%
Revenue NY rev (3m)5.03%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 22.01 | ||
| Fwd PE | 18.82 | ||
| P/S | 2.32 | ||
| P/FCF | 18.14 | ||
| P/OCF | 14.52 | ||
| P/B | 3.74 | ||
| P/tB | 383.3 | ||
| EV/EBITDA | 14.89 |
EPS(TTM)8.76
EY4.54%
EPS(NY)10.24
Fwd EY5.31%
FCF(TTM)10.63
FCFY5.51%
OCF(TTM)13.28
OCFY6.89%
SpS82.96
BVpS51.59
TBVpS0.5
PEG (NY)1.3
PEG (5Y)0.92
Graham Number100.84
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 6.23% | ||
| ROE | 14.51% | ||
| ROCE | 12.04% | ||
| ROIC | 8.99% | ||
| ROICexc | 9.23% | ||
| ROICexgc | 17.5% | ||
| OM | 16.09% | ||
| PM (TTM) | 9.02% | ||
| GM | 50.28% | ||
| FCFM | 12.81% |
ROA(3y)5.71%
ROA(5y)5.37%
ROE(3y)12.7%
ROE(5y)11.7%
ROIC(3y)8.17%
ROIC(5y)7.47%
ROICexc(3y)8.45%
ROICexc(5y)7.73%
ROICexgc(3y)16.94%
ROICexgc(5y)16.2%
ROCE(3y)10.94%
ROCE(5y)10.01%
ROICexgc growth 3Y-2.21%
ROICexgc growth 5Y4.44%
ROICexc growth 3Y2.89%
ROICexc growth 5Y5.77%
OM growth 3Y3.5%
OM growth 5Y6.02%
PM growth 3Y-0.96%
PM growth 5Y6.67%
GM growth 3Y2.75%
GM growth 5Y-2.08%
F-Score7
Asset Turnover0.69
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.97 | ||
| Debt/FCF | 4.71 | ||
| Debt/EBITDA | 3.15 | ||
| Cap/Depr | 104.49% | ||
| Cap/Sales | 3.19% | ||
| Interest Coverage | 4.38 | ||
| Cash Conversion | 83.6% | ||
| Profit Quality | 142% | ||
| Current Ratio | 4.55 | ||
| Quick Ratio | 3.36 | ||
| Altman-Z | 3.48 |
F-Score7
WACC7.95%
ROIC/WACC1.13
Cap/Depr(3y)123.73%
Cap/Depr(5y)99.4%
Cap/Sales(3y)3.96%
Cap/Sales(5y)3.13%
Profit Quality(3y)140.4%
Profit Quality(5y)147.49%
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 Year15.94%
Revenue Next 2Y6.78%
Revenue Next 3Y1.38%
Revenue Next 5YN/A
EBIT growth 1Y30.64%
EBIT growth 3Y14.15%
EBIT growth 5Y24.62%
EBIT Next Year66.78%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y21.65%
FCF growth 3Y2.65%
FCF growth 5Y20.48%
OCF growth 1Y8.52%
OCF growth 3Y7.68%
OCF growth 5Y21.39%
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 6 / 10.
Can you provide the PE and PB ratios for FCFS stock?
The Price/Earnings (PE) ratio for FIRSTCASH HOLDINGS INC (FCFS) is 22.01 and the Price/Book (PB) ratio is 3.74.
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 21.45%.