FIRSTCASH HOLDINGS INC (FCFS)
US33768G1076 - Common Stock
Overall FCFS gets a fundamental rating of 6 out of 10. We evaluated FCFS against 52 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.
In the past year FCFS had a positive cash flow from operations.
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's Return On Assets of 5.49% is amongst the best of the industry. FCFS outperforms 84.62% of its industry peers.
With a Return On Equity value of 11.99%, FCFS perfoms like the industry average, outperforming 57.69% of the companies in the same industry.
FCFS's Return On Invested Capital of 8.19% is amongst the best of the industry. FCFS outperforms 82.69% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for FCFS is in line with the industry average of 7.17%.
The last Return On Invested Capital (8.19%) for FCFS is above the 3 year average (6.92%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.49% | ||
| ROE | 11.99% | ||
| ROIC | 8.19% |
ROA(3y)4.95%
ROA(5y)5.22%
ROE(3y)10.46%
ROE(5y)10.37%
ROIC(3y)6.92%
ROIC(5y)7.31%
1.3 Margins
FCFS has a Profit Margin (7.17%) 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 12.96%. This is comparable to the rest of the industry: FCFS outperforms 55.77% of its industry peers.
In the last couple of years the Operating Margin of FCFS has declined.
FCFS has a Gross Margin of 48.32%. This is comparable to the rest of the industry: FCFS outperforms 50.00% of its industry peers.
In the last couple of years the Gross Margin of FCFS has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 12.96% | ||
| PM (TTM) | 7.17% | ||
| GM | 48.32% |
OM growth 3Y1.07%
OM growth 5Y-1.67%
PM growth 3Y2.11%
PM growth 5Y-4.15%
GM growth 3Y-5.04%
GM growth 5Y-2.5%
2. Health
2.1 Basic Checks
With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), FCFS is creating some value.
Compared to 1 year ago, FCFS has less shares outstanding
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
FCFS has an Altman-Z score of 3.16. This indicates that FCFS is financially healthy and has little risk of bankruptcy at the moment.
FCFS has a Altman-Z score of 3.16. This is amongst the best in the industry. FCFS outperforms 88.46% of its industry peers.
FCFS has a debt to FCF ratio of 4.61. This is a neutral value as FCFS would need 4.61 years to pay back of all of its debts.
FCFS's Debt to FCF ratio of 4.61 is fine compared to the rest of the industry. FCFS outperforms 65.38% of its industry peers.
FCFS has a Debt/Equity ratio of 0.85. This is a neutral value indicating FCFS is somewhat dependend on debt financing.
FCFS's Debt to Equity ratio of 0.85 is fine compared to the rest of the industry. FCFS outperforms 63.46% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.85 | ||
| Debt/FCF | 4.61 | ||
| Altman-Z | 3.16 |
ROIC/WACC1.08
WACC7.56%
2.3 Liquidity
A Current Ratio of 4.03 indicates that FCFS has no problem at all paying its short term obligations.
FCFS's Current ratio of 4.03 is amongst the best of the industry. FCFS outperforms 80.77% of its industry peers.
FCFS has a Quick Ratio of 3.04. This indicates that FCFS is financially healthy and has no problem in meeting its short term obligations.
FCFS's Quick ratio of 3.04 is fine compared to the rest of the industry. FCFS outperforms 78.85% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 4.03 | ||
| Quick Ratio | 3.04 |
3. Growth
3.1 Past
FCFS shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 20.30%, 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 11.45% on average per year.
Looking at the last year, FCFS shows a quite strong growth in Revenue. The Revenue has grown by 12.65% in the last year.
FCFS shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 12.09% yearly.
EPS 1Y (TTM)20.3%
EPS 3Y26.34%
EPS 5Y11.45%
EPS Q2Q%12.3%
Revenue 1Y (TTM)12.65%
Revenue growth 3Y24.55%
Revenue growth 5Y12.09%
Sales Q2Q%10.71%
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 17.97% on average per year.
FCFS is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.42% yearly.
EPS Next Y10.6%
EPS Next 2Y15.45%
EPS Next 3Y17.97%
EPS Next 5YN/A
Revenue Next Year8.4%
Revenue Next 2Y7.07%
Revenue Next 3Y6.42%
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
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
A Price/Earnings ratio of 18.21 indicates a rather expensive valuation of FCFS.
FCFS's Price/Earnings ratio is in line with the industry average.
The average S&P500 Price/Earnings ratio is at 29.65. FCFS is valued slightly cheaper when compared to this.
With a Price/Forward Earnings ratio of 14.68, FCFS is valued correctly.
Based on the Price/Forward Earnings ratio, FCFS is valued a bit more expensive than 63.46% of the companies in the same industry.
FCFS is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 21.38, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.21 | ||
| Fwd PE | 14.68 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, FCFS is valued a bit cheaper than the industry average as 73.08% of the companies are valued more expensively.
FCFS's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 14.81 | ||
| EV/EBITDA | 13 |
4.3 Compensation for Growth
The 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.
A more expensive valuation may be justified as FCFS's earnings are expected to grow with 17.97% in the coming years.
PEG (NY)1.72
PEG (5Y)1.59
EPS Next 2Y15.45%
EPS Next 3Y17.97%
5. Dividend
5.1 Amount
FCFS has a Yearly Dividend Yield of 1.28%.
Compared to an average industry Dividend Yield of 4.45, FCFS has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.26, FCFS's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.28% |
5.2 History
The dividend of FCFS is nicely growing with an annual growth rate of 8.41%!
FCFS has been paying a dividend for over 5 years, so it has already some track record.
FCFS has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
Dividend Growth(5Y)8.41%
Div Incr Years7
Div Non Decr Years7
5.3 Sustainability
26.57% 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.
DP26.57%
EPS Next 2Y15.45%
EPS Next 3Y17.97%
FIRSTCASH HOLDINGS INC
NASDAQ:FCFS (9/6/2024, 8:12:03 PM)
After market: 118.74 0 (0%)118.74
-0.36 (-0.3%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap5.40B
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.28% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
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PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
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Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.21 | ||
| Fwd PE | 14.68 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)1.72
PEG (5Y)1.59
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.49% | ||
| ROE | 11.99% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | 12.96% | ||
| PM (TTM) | 7.17% | ||
| GM | 48.32% | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.76
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.85 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | 4.03 | ||
| Quick Ratio | 3.04 | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
High Growth Momentum
Growth
EPS 1Y (TTM)20.3%
EPS 3Y26.34%
EPS 5Y
EPS Q2Q%
EPS Next Y10.6%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)12.65%
Revenue growth 3Y24.55%
Revenue growth 5Y
Sales Q2Q%
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y