FIRSTCASH HOLDINGS INC (FCFS) Stock Fundamental Analysis
NASDAQ:FCFS - Nasdaq - US33768G1076 - Common Stock - Currency: USD
We assign a fundamental rating of 6 out of 10 to FCFS. FCFS was compared to 51 industry peers in the Consumer Finance industry. FCFS has an excellent financial health rating, but there are some minor concerns on its profitability. FCFS has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
In the past year FCFS was profitable.
FCFS had a positive operating cash flow in the past year.
FCFS had positive earnings in each of the past 5 years.
FCFS had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
FCFS has a Return On Assets of 6.35%. This is amongst the best in the industry. FCFS outperforms 82.35% of its industry peers.
FCFS's Return On Equity of 13.65% is in line compared to the rest of the industry. FCFS outperforms 58.82% of its industry peers.
Looking at the Return On Invested Capital, with a value of 8.79%, FCFS is in the better half of the industry, outperforming 76.47% 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 10.42%.
The 3 year average ROIC (7.96%) for FCFS is below the current ROIC(8.79%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 6.35% | ||
| ROE | 13.65% | ||
| ROIC | 8.79% |
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
Looking at the Profit Margin, with a value of 8.29%, FCFS is in line with its industry, outperforming 49.02% of the companies in the same industry.
FCFS's Profit Margin has declined in the last couple of years.
FCFS has a Operating Margin of 14.22%. This is comparable to the rest of the industry: FCFS outperforms 58.82% of its industry peers.
FCFS's Operating Margin has been stable in the last couple of years.
The Gross Margin of FCFS (48.93%) 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 | 14.22% | ||
| PM (TTM) | 8.29% | ||
| GM | 48.93% |
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.
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.
Compared to 1 year ago, FCFS has a worse debt to assets ratio.
2.2 Solvency
FCFS has an Altman-Z score of 3.30. This indicates that FCFS is financially healthy and has little risk of bankruptcy at the moment.
FCFS has a better Altman-Z score (3.30) than 86.27% of its industry peers.
The Debt to FCF ratio of FCFS is 3.49, which is a good value as it means it would take FCFS, 3.49 years of fcf income to pay off all of its debts.
With a decent Debt to FCF ratio value of 3.49, FCFS is doing good in the industry, outperforming 72.55% of the companies in the same industry.
A Debt/Equity ratio of 0.83 indicates that FCFS is somewhat dependend on debt financing.
FCFS has a Debt to Equity ratio of 0.83. This is in the better half of the industry: FCFS outperforms 64.71% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.83 | ||
| Debt/FCF | 3.49 | ||
| Altman-Z | 3.3 |
ROIC/WACC1.08
WACC8.12%
2.3 Liquidity
FCFS has a Current Ratio of 4.39. This indicates that FCFS is financially healthy and has no problem in meeting its short term obligations.
With an excellent Current ratio value of 4.39, FCFS belongs to the best of the industry, outperforming 84.31% of the companies in the same industry.
A Quick Ratio of 3.28 indicates that FCFS has no problem at all paying its short term obligations.
FCFS has a better Quick ratio (3.28) than 82.35% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 4.39 | ||
| Quick Ratio | 3.28 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 13.50% over the past year.
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 5.06% in the last year.
FCFS shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 12.69% yearly.
EPS 1Y (TTM)13.5%
EPS 3Y19.62%
EPS 5Y11.52%
EPS Q2Q%33.55%
Revenue 1Y (TTM)5.06%
Revenue growth 3Y25.87%
Revenue growth 5Y12.69%
Sales Q2Q%0.01%
3.2 Future
The Earnings Per Share is expected to grow by 20.11% on average over the next years. This is a very strong growth
Based on estimates for the next years, FCFS will show a small growth in Revenue. The Revenue will grow by 4.89% on average per year.
EPS Next Y19.9%
EPS Next 2Y19.31%
EPS Next 3Y20.11%
EPS Next 5YN/A
Revenue Next Year0.26%
Revenue Next 2Y2.88%
Revenue Next 3Y4.89%
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
A Price/Earnings ratio of 17.73 indicates a rather expensive valuation of FCFS.
66.67% of the companies in the same industry are cheaper than FCFS, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 25.91. FCFS is valued slightly cheaper when compared to this.
With a Price/Forward Earnings ratio of 13.42, FCFS is valued correctly.
Based on the Price/Forward Earnings ratio, FCFS is valued a bit more expensive than 62.75% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 21.77. FCFS is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.73 | ||
| Fwd PE | 13.42 |
4.2 Price Multiples
FCFS's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. FCFS is cheaper than 66.67% of the companies in the same industry.
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 | 11.62 | ||
| EV/EBITDA | 12.31 |
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.
A more expensive valuation may be justified as FCFS's earnings are expected to grow with 20.11% in the coming years.
PEG (NY)0.89
PEG (5Y)1.54
EPS Next 2Y19.31%
EPS Next 3Y20.11%
5. Dividend
5.1 Amount
FCFS has a Yearly Dividend Yield of 1.21%.
FCFS's Dividend Yield is comparable with the industry average which is at 4.44.
Compared to an average S&P500 Dividend Yield of 2.40, FCFS's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.21% |
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.
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
23.79% of the earnings are spent on dividend by FCFS. This is a low number and sustainable payout ratio.
FCFS's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP23.79%
EPS Next 2Y19.31%
EPS Next 3Y20.11%
NASDAQ:FCFS (5/27/2025, 2:42:23 PM)
128.2
+0.7 (+0.55%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners85.61%
Inst Owner Change4.33%
Ins Owners3.04%
Ins Owner Change8.49%
Market Cap5.69B
Analysts81.67
Price Target150.55 (17.43%)
Short Float %1.23%
Short Ratio1.35
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.21% |
Yearly Dividend1.46
Dividend Growth(5Y)7.4%
DP23.79%
Div Incr Years8
Div Non Decr Years8
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)9.97%
Min EPS beat(2)3.21%
Max EPS beat(2)16.73%
EPS beat(4)4
Avg EPS beat(4)5.7%
Min EPS beat(4)0.98%
Max EPS beat(4)16.73%
EPS beat(8)7
Avg EPS beat(8)6.96%
EPS beat(12)11
Avg EPS beat(12)7.07%
EPS beat(16)15
Avg EPS beat(16)8.8%
Revenue beat(2)0
Avg Revenue beat(2)-2.67%
Min Revenue beat(2)-3.47%
Max Revenue beat(2)-1.87%
Revenue beat(4)0
Avg Revenue beat(4)-2.33%
Min Revenue beat(4)-3.47%
Max Revenue beat(4)-1.23%
Revenue beat(8)2
Avg Revenue beat(8)-1.72%
Revenue beat(12)3
Avg Revenue beat(12)-1.36%
Revenue beat(16)6
Avg Revenue beat(16)-0.35%
PT rev (1m)7.11%
PT rev (3m)7.42%
EPS NQ rev (1m)2.8%
EPS NQ rev (3m)0.63%
EPS NY rev (1m)2.94%
EPS NY rev (3m)3.17%
Revenue NQ rev (1m)-0.25%
Revenue NQ rev (3m)-0.54%
Revenue NY rev (1m)0.17%
Revenue NY rev (3m)0.14%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.73 | ||
| Fwd PE | 13.42 | ||
| P/S | 1.68 | ||
| P/FCF | 11.62 | ||
| P/OCF | 10.45 | ||
| P/B | 2.76 | ||
| P/tB | 214.72 | ||
| EV/EBITDA | 12.31 |
EPS(TTM)7.23
EY5.64%
EPS(NY)9.55
Fwd EY7.45%
FCF(TTM)11.03
FCFY8.6%
OCF(TTM)12.26
OCFY9.57%
SpS76.39
BVpS46.4
TBVpS0.6
PEG (NY)0.89
PEG (5Y)1.54
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 6.35% | ||
| ROE | 13.65% | ||
| ROCE | 11.68% | ||
| ROIC | 8.79% | ||
| ROICexc | 9.11% | ||
| ROICexgc | 18.62% | ||
| OM | 14.22% | ||
| PM (TTM) | 8.29% | ||
| GM | 48.93% | ||
| FCFM | 14.44% |
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%
ROICexcg growth 3Y14.69%
ROICexcg 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-Score8
Asset Turnover0.77
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.83 | ||
| Debt/FCF | 3.49 | ||
| Debt/EBITDA | 2.91 | ||
| Cap/Depr | 52.42% | ||
| Cap/Sales | 1.62% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 92.8% | ||
| Profit Quality | 174.12% | ||
| Current Ratio | 4.39 | ||
| Quick Ratio | 3.28 | ||
| Altman-Z | 3.3 |
F-Score8
WACC8.12%
ROIC/WACC1.08
Cap/Depr(3y)51.48%
Cap/Depr(5y)67%
Cap/Sales(3y)1.74%
Cap/Sales(5y)2%
Profit Quality(3y)171.89%
Profit Quality(5y)166.84%
High Growth Momentum
Growth
EPS 1Y (TTM)13.5%
EPS 3Y19.62%
EPS 5Y11.52%
EPS Q2Q%33.55%
EPS Next Y19.9%
EPS Next 2Y19.31%
EPS Next 3Y20.11%
EPS Next 5YN/A
Revenue 1Y (TTM)5.06%
Revenue growth 3Y25.87%
Revenue growth 5Y12.69%
Sales Q2Q%0.01%
Revenue Next Year0.26%
Revenue Next 2Y2.88%
Revenue Next 3Y4.89%
Revenue Next 5YN/A
EBIT growth 1Y16.05%
EBIT growth 3Y28%
EBIT growth 5Y11.76%
EBIT Next Year55.01%
EBIT Next 3Y25.95%
EBIT Next 5YN/A
FCF growth 1Y17.23%
FCF growth 3Y37.54%
FCF growth 5Y20.29%
OCF growth 1Y18.33%
OCF growth 3Y34.22%
OCF growth 5Y18.45%