168.67 USD
-2.43 (-1.42%)
168.67 USD
0 (0%)
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 is in great health and has no worries on liquidiy or solvency at all, but the profibility rating is only average. FCFS has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
- In the past year FCFS was profitable.
- In the past year FCFS had a positive cash flow from operations.
- FCFS had positive earnings in each of the past 5 years.
- In the past 5 years FCFS always reported a positive cash flow from operatings.
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.
- FCFS has a Return On Equity of 14.08%. This is comparable to the rest of the industry: FCFS outperforms 55.56% of its industry peers.
- With a decent Return On Invested Capital value of 8.36%, FCFS is doing good in the industry, outperforming 70.37% of the companies in the same industry.
- The Average Return On Invested Capital over the past 3 years for FCFS is below the industry average of 12.42%.
- 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 worse Profit Margin (8.88%) than 61.11% of its industry peers.
- In the last couple of years the Profit Margin of FCFS has declined.
- The Operating Margin of FCFS (15.38%) is comparable to the rest of the industry.
- 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 of 50.03%. This is comparable to the rest of the industry: FCFS outperforms 46.30% of its industry peers.
- In the last couple of years the Gross Margin of FCFS has declined.
| 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
- FCFS has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is creating some 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.
- FCFS has a worse debt/assets ratio than last year.
2.2 Solvency
- An Altman-Z score of 3.29 indicates that FCFS is not in any danger for bankruptcy at the moment.
- The Altman-Z score of FCFS (3.29) is better than 90.74% 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 Debt to FCF ratio of 5.57. This is in the better half of the industry: FCFS outperforms 75.93% of its industry peers.
- A Debt/Equity ratio of 1.01 is on the high side and indicates that FCFS has dependencies on debt financing.
- With a decent Debt to Equity ratio value of 1.01, FCFS is doing good in the industry, outperforming 62.96% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.01 | ||
| Debt/FCF | 5.57 | ||
| Altman-Z | 3.29 |
ROIC/WACC1.04
WACC8.01%
2.3 Liquidity
- A Current Ratio of 4.99 indicates that FCFS has no problem at all paying its short term obligations.
- With an excellent Current ratio value of 4.99, FCFS belongs to the best of the industry, outperforming 88.89% of the companies in the same industry.
- 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.
- With an excellent Quick ratio value of 3.72, FCFS belongs to the best of the industry, outperforming 88.89% of the companies in the same industry.
| 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.
- The Earnings Per Share has been growing by 11.52% on average over the past years. This is quite good.
- Looking at the last year, FCFS shows a small growth in Revenue. The Revenue has grown by 3.86% in the last year.
- Measured over the past years, FCFS shows a quite strong growth in Revenue. The Revenue has been growing by 12.69% on average per year.
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.
- Based on estimates for the next years, FCFS will show a quite strong growth in Revenue. The Revenue will grow by 8.49% on average per year.
EPS Next Y30.93%
EPS Next 2Y23.6%
EPS Next 3Y20.63%
EPS Next 5Y17.72%
Revenue Next Year5.65%
Revenue Next 2Y8.07%
Revenue Next 3Y8.49%
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 20.47.
- Compared to the rest of the industry, the Price/Earnings ratio of FCFS indicates a slightly more expensive valuation: FCFS is more expensive than 68.52% of the companies listed in the same industry.
- FCFS is valuated rather cheaply when we compare the Price/Earnings ratio to 26.94, which is the current average of the S&P500 Index.
- Based on the Price/Forward Earnings ratio of 16.45, the valuation of FCFS can be described as correct.
- 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 23.94.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 20.47 | ||
| Fwd PE | 16.45 |
4.2 Price Multiples
- FCFS's Enterprise Value to EBITDA is on the same level as the industry average.
- 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 | 18.72 | ||
| EV/EBITDA | 14.98 |
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.
- FCFS's earnings are expected to grow with 20.63% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.66
PEG (5Y)1.78
EPS Next 2Y23.6%
EPS Next 3Y20.63%
5. Dividend
5.1 Amount
- FCFS has a yearly dividend return of 0.99%, which is pretty low.
- Compared to an average industry Dividend Yield of 2.58, 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 | 0.99% |
5.2 History
- On average, the dividend of FCFS grows each year by 7.40%, which is quite nice.
- FCFS has paid a dividend for at least 10 years, which is a reliable track record.
- FCFS has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
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%
168.67
-2.43 (-1.42%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)10-30 2025-10-30/bmo
Earnings (Next)02-05 2026-02-05/amc
Inst Owners91.52%
Inst Owner Change-0.42%
Ins Owners2.55%
Ins Owner Change-15.13%
Market Cap7.44B
Revenue(TTM)3.49B
Net Income(TTM)309.75M
Analysts80
Price Target182.14 (7.99%)
Short Float %1.26%
Short Ratio2.01
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.99% |
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)0%
PT rev (3m)10%
EPS NQ rev (1m)-0.52%
EPS NQ rev (3m)3.27%
EPS NY rev (1m)0%
EPS NY rev (3m)3.23%
Revenue NQ rev (1m)-0.29%
Revenue NQ rev (3m)8.36%
Revenue NY rev (1m)-0.08%
Revenue NY rev (3m)4.18%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 20.47 | ||
| Fwd PE | 16.45 | ||
| P/S | 2.13 | ||
| P/FCF | 18.72 | ||
| P/OCF | 12.89 | ||
| P/B | 3.38 | ||
| P/tB | N/A | ||
| EV/EBITDA | 14.98 |
EPS(TTM)8.24
EY4.89%
EPS(NY)10.25
Fwd EY6.08%
FCF(TTM)9.01
FCFY5.34%
OCF(TTM)13.09
OCFY7.76%
SpS79
BVpS49.84
TBVpS-0.4
PEG (NY)0.66
PEG (5Y)1.78
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 | 3.29 |
F-Score7
WACC8.01%
ROIC/WACC1.04
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 Year5.65%
Revenue Next 2Y8.07%
Revenue Next 3Y8.49%
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
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 4 / 10 to FIRSTCASH HOLDINGS INC (FCFS). This can be considered as Fairly Valued.
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 20.47 and the Price/Book (PB) ratio is 3.38.
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%.