162.415 USD
-2.19 (-1.33%)
FCFS gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 55 industry peers in the Consumer Finance industry. While FCFS has a great health rating, its profitability is only average at the moment. 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.
FCFS had a positive operating cash flow in the past year.
Each year in the past 5 years FCFS has been profitable.
Each year in the past 5 years FCFS had a positive operating cash flow.
1.2 Ratios
The Return On Assets of FCFS (5.98%) is better than 78.18% of its industry peers.
The Return On Equity of FCFS (14.08%) is comparable to the rest of the industry.
FCFS's Return On Invested Capital of 8.36% is fine compared to the rest of the industry. FCFS outperforms 70.91% of its industry peers.
The Average Return On Invested Capital over the past 3 years for FCFS is below the industry average of 12.59%.
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
Looking at the Profit Margin, with a value of 8.88%, FCFS is in line with its industry, outperforming 43.64% of the companies in the same industry.
FCFS's Profit Margin has declined in the last couple of years.
With a Operating Margin value of 15.38%, FCFS perfoms like the industry average, outperforming 60.00% of the companies in the same industry.
In the last couple of years the Operating Margin of FCFS has remained more or less at the same level.
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.
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 below the Cost of Capital (WACC), which means it is destroying 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 3.24. This indicates that FCFS is financially healthy and has little risk of bankruptcy at the moment.
FCFS's Altman-Z score of 3.24 is amongst the best of the industry. FCFS outperforms 90.91% of its industry peers.
The Debt to FCF ratio of FCFS is 5.57, which is a neutral value as it means it would take FCFS, 5.57 years of fcf income to pay off all of its debts.
FCFS's Debt to FCF ratio of 5.57 is fine compared to the rest of the industry. FCFS outperforms 76.36% 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.
FCFS has a Debt to Equity ratio (1.01) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.01 | ||
| Debt/FCF | 5.57 | ||
| Altman-Z | 3.24 |
ROIC/WACC0.88
WACC9.49%
2.3 Liquidity
A Current Ratio of 4.99 indicates that FCFS has no problem at all paying its short term obligations.
Looking at the Current ratio, with a value of 4.99, FCFS belongs to the top of the industry, outperforming 87.27% 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 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
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.
FCFS shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 11.52% yearly.
Looking at the last year, FCFS shows a small growth in Revenue. The Revenue has grown by 3.86% in the last year.
The Revenue has been growing by 12.69% on average over the past years. This is quite good.
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
The Earnings Per Share is expected to grow by 17.72% on average over the next years. This is quite good.
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 19.71, which indicates a rather expensive current valuation of FCFS.
67.27% of the companies in the same industry are cheaper than FCFS, based on the Price/Earnings ratio.
Compared to an average S&P500 Price/Earnings ratio of 26.55, FCFS is valued a bit cheaper.
Based on the Price/Forward Earnings ratio of 15.84, 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 65.45% of the companies are valued more cheaply.
The average S&P500 Price/Forward Earnings ratio is at 23.78. FCFS is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 19.71 | ||
| Fwd PE | 15.84 |
4.2 Price Multiples
FCFS's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. FCFS is cheaper than 61.82% of the companies in the same industry.
The rest of the industry has a similar Price/Free Cash Flow ratio as FCFS.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 18.03 | ||
| EV/EBITDA | 14.54 |
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 20.63% in the coming years.
PEG (NY)0.64
PEG (5Y)1.71
EPS Next 2Y23.6%
EPS Next 3Y20.63%
5. Dividend
5.1 Amount
FCFS has a Yearly Dividend Yield of 1.04%. Purely for dividend investing, there may be better candidates out there.
FCFS's Dividend Yield is comparable with the industry average which is at 2.44.
With a Dividend Yield of 1.04, FCFS pays less dividend than the S&P500 average, which is at 1.87.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.04% |
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
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%
NASDAQ:FCFS (12/16/2025, 12:07:20 PM)
162.415
-2.19 (-1.33%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners91.43%
Inst Owner Change2.14%
Ins Owners2.56%
Ins Owner Change-12.76%
Market Cap7.17B
Revenue(TTM)3.49B
Net Income(TTM)309.75M
Analysts80
Price Target182.14 (12.14%)
Short Float %1.39%
Short Ratio2
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.04% |
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)4.34%
PT rev (3m)10%
EPS NQ rev (1m)0%
EPS NQ rev (3m)3.72%
EPS NY rev (1m)0%
EPS NY rev (3m)5.81%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)8.7%
Revenue NY rev (1m)0%
Revenue NY rev (3m)4.29%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 19.71 | ||
| Fwd PE | 15.84 | ||
| P/S | 2.06 | ||
| P/FCF | 18.03 | ||
| P/OCF | 12.41 | ||
| P/B | 3.26 | ||
| P/tB | N/A | ||
| EV/EBITDA | 14.54 |
EPS(TTM)8.24
EY5.07%
EPS(NY)10.25
Fwd EY6.31%
FCF(TTM)9.01
FCFY5.55%
OCF(TTM)13.09
OCFY8.06%
SpS79
BVpS49.84
TBVpS-0.4
PEG (NY)0.64
PEG (5Y)1.71
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 | 3.24 |
F-Score7
WACC9.49%
ROIC/WACC0.88
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 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
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 19.71 and the Price/Book (PB) ratio is 3.26.
How financially healthy is FIRSTCASH HOLDINGS INC?
The financial health rating of FIRSTCASH HOLDINGS INC (FCFS) is 7 / 10.