150.46 USD
+2.41 (+1.63%)
150.46 USD
0 (0%)
FCFS gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 55 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 not valued too expensively and it also shows 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.
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
Looking at the Return On Assets, with a value of 5.98%, FCFS is in the better half of the industry, outperforming 78.18% of the companies in the same industry.
With a Return On Equity value of 14.08%, FCFS perfoms like the industry average, outperforming 60.00% of the companies in the same 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 3 year average ROIC (7.96%) for FCFS is below the current ROIC(8.36%), indicating increased profibility in the last year.
| 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.
FCFS's Profit Margin has declined in the last couple of years.
FCFS has a Operating Margin (15.38%) which is comparable to the rest of the industry.
FCFS's Operating Margin has been stable in the last couple of years.
FCFS's Gross Margin of 50.03% is in line compared 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
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so FCFS is destroying 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.
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.
FCFS has a better Altman-Z score (3.12) than 89.09% 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 74.55% 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.
Looking at the Debt to Equity ratio, with a value of 1.01, FCFS is in line with its industry, outperforming 60.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.01 | ||
| Debt/FCF | 5.57 | ||
| Altman-Z | 3.12 |
ROIC/WACC0.84
WACC10%
2.3 Liquidity
FCFS has a Current Ratio of 4.99. This indicates that FCFS is financially healthy and has no problem in meeting its short term obligations.
With an excellent Current ratio value of 4.99, FCFS belongs to the best of the industry, outperforming 85.45% 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.
Looking at the Quick ratio, with a value of 3.72, FCFS belongs to the top of the industry, outperforming 83.64% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 4.99 | ||
| Quick Ratio | 3.72 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 24.28% over the past year.
FCFS shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 11.52% yearly.
The Revenue has been growing slightly by 3.86% in the past 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
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.
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
The Price/Earnings ratio is 18.26, which indicates a rather expensive current valuation of FCFS.
Based on the Price/Earnings ratio, FCFS is valued a bit more expensive than 67.27% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 25.45, FCFS is valued a bit cheaper.
Based on the Price/Forward Earnings ratio of 14.68, the valuation of FCFS can be described as correct.
61.82% of the companies in the same industry are cheaper than FCFS, based on the Price/Forward Earnings ratio.
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
Based on the Enterprise Value to EBITDA ratio, FCFS is valued a bit cheaper than the industry average as 61.82% 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 | 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
With a Yearly Dividend Yield of 1.13%, FCFS has a reasonable but not impressive dividend return.
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.