FIRSTCASH HOLDINGS INC (FCFS)
US33768G1076 - Common Stock
FCFS gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 52 industry peers in the Consumer Finance industry. While FCFS has a great health rating, its profitability is only average at the moment. 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.
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
FCFS's Return On Assets of 5.49% is amongst the best of the industry. FCFS outperforms 84.62% of its industry peers.
FCFS's Return On Equity of 11.41% is in line compared to the rest of the industry. FCFS outperforms 53.85% of its industry peers.
FCFS's Return On Invested Capital of 8.09% 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 7.16%.
The last Return On Invested Capital (8.09%) 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 | 11.41% | ||
| ROIC | 8.09% |
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's Profit Margin of 7.23% is in line compared to the rest of the industry. FCFS outperforms 48.08% of its industry peers.
FCFS's Profit Margin has declined in the last couple of years.
FCFS has a Operating Margin (12.87%) which is comparable to the rest of the industry.
FCFS's Operating Margin has declined in the last couple of years.
FCFS has a Gross Margin (48.21%) which is comparable to the rest of the industry.
FCFS's Gross Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 12.87% | ||
| PM (TTM) | 7.23% | ||
| GM | 48.21% |
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
The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so FCFS is still creating some value.
Compared to 1 year ago, FCFS has less shares outstanding
FCFS has more shares outstanding than it did 5 years ago.
FCFS has a worse debt/assets ratio than last year.
2.2 Solvency
An Altman-Z score of 3.16 indicates that FCFS is not in any danger for bankruptcy at the moment.
The Altman-Z score of FCFS (3.16) is better than 86.54% of its industry peers.
The Debt to FCF ratio of FCFS is 4.35, which is a neutral value as it means it would take FCFS, 4.35 years of fcf income to pay off all of its debts.
FCFS has a Debt to FCF ratio of 4.35. This is in the better half of the industry: FCFS outperforms 61.54% of its industry peers.
FCFS has a Debt/Equity ratio of 0.75. This is a neutral value indicating FCFS is somewhat dependend on debt financing.
With a decent Debt to Equity ratio value of 0.75, FCFS is doing good in the industry, outperforming 65.38% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.75 | ||
| Debt/FCF | 4.35 | ||
| Altman-Z | 3.16 |
ROIC/WACC1.02
WACC7.95%
2.3 Liquidity
FCFS has a Current Ratio of 3.99. This indicates that FCFS is financially healthy and has no problem in meeting its short term obligations.
FCFS's Current ratio of 3.99 is fine compared to the rest of the industry. FCFS outperforms 78.85% of its industry peers.
FCFS has a Quick Ratio of 3.03. This indicates that FCFS is financially healthy and has no problem in meeting its short term obligations.
FCFS has a Quick ratio of 3.03. This is in the better half of the industry: FCFS outperforms 75.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 3.99 | ||
| Quick Ratio | 3.03 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 20.30% over the past year.
The Earnings Per Share has been growing by 11.45% on average over the past years. This is quite good.
Looking at the last year, FCFS shows a quite strong growth in Revenue. The Revenue has grown by 15.50% in the last year.
The Revenue has been growing by 12.09% on average over the past years. This is quite good.
EPS 1Y (TTM)20.3%
EPS 3Y26.34%
EPS 5Y11.45%
EPS Q2Q%12.3%
Revenue 1Y (TTM)15.5%
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 14.91% on average per year.
Based on estimates for the next years, FCFS will show a small growth in Revenue. The Revenue will grow by 6.12% on average per year.
EPS Next Y13.33%
EPS Next 2Y15.75%
EPS Next 3Y14.91%
EPS Next 5YN/A
Revenue Next Year9.2%
Revenue Next 2Y8.01%
Revenue Next 3Y6.12%
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.
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
The Price/Earnings ratio is 17.15, which indicates a rather expensive current valuation of FCFS.
Compared to the rest of the industry, the Price/Earnings ratio of FCFS is on the same level as its industry peers.
The average S&P500 Price/Earnings ratio is at 24.29. FCFS is valued slightly cheaper when compared to this.
A Price/Forward Earnings ratio of 13.75 indicates a correct valuation of FCFS.
FCFS's Price/Forward Earnings ratio is in line with the industry average.
When comparing the Price/Forward Earnings ratio of FCFS to the average of the S&P500 Index (20.35), we can say FCFS is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.15 | ||
| Fwd PE | 13.75 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of FCFS indicates a somewhat cheap valuation: FCFS is cheaper than 73.08% of the companies listed in the same industry.
FCFS's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 14.31 | ||
| EV/EBITDA | 12.45 |
4.3 Compensation for Growth
FCFS's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
FCFS has a very decent profitability rating, which may justify a higher PE ratio.
A more expensive valuation may be justified as FCFS's earnings are expected to grow with 14.91% in the coming years.
PEG (NY)1.29
PEG (5Y)1.5
EPS Next 2Y15.75%
EPS Next 3Y14.91%
5. Dividend
5.1 Amount
FCFS has a Yearly Dividend Yield of 1.27%.
Compared to an average industry Dividend Yield of 4.29, FCFS has a dividend in line with its industry peers.
With a Dividend Yield of 1.27, FCFS pays less dividend than the S&P500 average, which is at 2.29.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.27% |
5.2 History
On average, the dividend of FCFS grows each year by 8.41%, which is quite nice.
FCFS has been paying a dividend for over 5 years, so it has already some track record.
As FCFS did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
Dividend Growth(5Y)8.41%
Div Incr Years7
Div Non Decr Years7
5.3 Sustainability
26.75% 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.
DP26.75%
EPS Next 2Y15.75%
EPS Next 3Y14.91%
FIRSTCASH HOLDINGS INC
NASDAQ:FCFS (7/26/2024, 11:25:39 AM)
111.79
-0.47 (-0.42%)
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 Cap5.08B
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.27% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
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)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.15 | ||
| Fwd PE | 13.75 | ||
| 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)1.29
PEG (5Y)1.5
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.49% | ||
| ROE | 11.41% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | 12.87% | ||
| PM (TTM) | 7.23% | ||
| GM | 48.21% | ||
| 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 | 0.75 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | 3.99 | ||
| Quick Ratio | 3.03 | ||
| 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 Y13.33%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)15.5%
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