FIRSTCASH HOLDINGS INC (FCFS)       92.66  -0.66 (-0.71%)

92.66  -0.66 (-0.71%)

US33768G1076 - Common Stock - After market: 92.66 0 (0%)


Fundamental Rating

6

Overall FCFS gets a fundamental rating of 6 out of 10. We evaluated FCFS against 56 industry peers in the Consumer Finance industry. FCFS has a great financial health rating, but there are some minor concerns on its profitability. FCFS shows excellent growth, but is valued quite expensive already.




Profitability

Profitability Rating

4

FCFS's Return On Assets of 5.25% is amongst the best of the industry. FCFS does better than the industry average Return On Assets of 2.93%.
FCFS's Profit Margin of 8.17% is in line with the rest of the industry. The industry average Profit Margin is 8.59%.

FCFS has a Piotroski-F score of 4.00. This indicates an average health and profitability for FCFS.
FCFS's Return On Equity of 11.23% is worse than the rest of the industry. The industry average Return On Equity is 19.85%. 81% of the industry peers have a better Return On Equity.
VS Industry

ROA (5.25%) VS Industry: 78% outperformed.

-76.26
1,001.12

ROE (11.23%) VS Industry: 19% outperformed.

0.77
1,154.40

Profit Margin (8.17%) VS Industry: 48% outperformed.

-3,112.19
42.56

Valuation

Valuation Rating

3

FCFS's low PEG Ratio, which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
With a Price/Earnings Ratio of 18.24, FCFS is valued on the expensive side.
The Forward Price/Earnings Ratio of 15.15 indicates a correct valuation of FCFS.
With a price book ratio of 2.38, FCFS is valued correctly.

Compared to an average industry Price/Earning Ratio of 6.84, FCFS is valued more expensive than its industry peers. On top of this 93% of the companies listed in the same industry are cheaper than FCFS!
When comparing the price book ratio of FCFS to the average industry price book ratio of 0.91, FCFS is valued more expensive than its industry peers. 89% of the companies listed in the same industry are valued cheaper.
When comparing the Enterprise Value to EBITDA ratio of FCFS to the average industry ratio of 10.95, FCFS is valued more expensive than its industry peers.
VS Industry

Price/Earnings (18.24) VS Industry: 7% outperformed.

46.00
0.42

Price/Book (2.38) VS Industry: 11% outperformed.

5.83
0.10

Enterprise Value/ EBITDA (14.84) VS Industry: 33% outperformed.

41.97
0.59

Growth

Growth Rating

9

FCFS shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 56.79%, which is quite impressive.
The Earnings Per Share has been growing by 10.97% on average over the past 5 years. This is quite good.
FCFS is expected to show a strong growth in Earnings Per Share. In the coming 5 years, the EPS will grow by 21.45% yearly.
When comparing the EPS growth rate of the last 5 years to the growth rate of the upcoming 5 years, we see that the growth is accelerating.

The Revenue has grown by 56.12% in the past year. This is a very strong growth!
FCFS is expected to show quite a strong growth in Revenue. In the coming 5 years, the Revenue will grow by 15.47% yearly.
When comparing the Revenue growth rate of the last 5 years to the growth rate of the upcoming 5 years, we see that the growth is accelerating.
Measured over the past 5 years, FCFS shows a small growth in Revenue. The Revenue has been growing by 9.31% on average per year.

PastFuture
5Y3Y1Y1Y2Y3Y5Y
EPS10.97% 3.55% 56.79% 25.74% 24.92% 22.55% 21.45%
Revenue9.31% -1.56% 56.12% 67.48% 34.93% 25.44% 15.47%

Health

Health Rating

7

A Current Ratio of 3.46 indicates that FCFS has no problem at all paying its short term obligations.
When comparing the Current Ratio to an average industry Current Ratio of 2.91, FCFS is better placed than the average industry peer to meet its short term obligations.
A Quick Ratio of 2.56 indicates that FCFS has no problem at all paying its short term obligations.
FCFS has one of the better Altman-Z scores in its industry. It is much better than the industry average of 0.46. FCFS has a better score than 92% of its industry peers.

FCFS has a Quick Ratio comparable to the industry average, which is at 2.56.
The Debt to Equity ratio of FCFS is in line with the industry averages.
FCFS has an Altman-Z score of 2.80. This is not the best score and indicates that FCFS is in the grey zone with still only limited risk for bankruptcy at the moment.
The Piotroski-F score of FCFS is 4.00. This is a neutral score and indicates average health and profitability for FCFS.
VS Industry

Debt/Equity (0.76) VS Industry: 56% outperformed.

21.53
0.00

Quick Ratio (2.56) VS Industry: 53% outperformed.

0.35
17.97

Current Ratio (3.46) VS Industry: 66% outperformed.

0.35
17.97

Altman-Z (2.8) VS Industry: 92% outperformed.

-11.18
4.50

Dividend

Dividend Rating

5

On average, the dividend of FCFS grows each year by 8.74%, which is quite nice.
FCFS's earnings are growing more than its dividend. This makes the dividend growth sustainable.
5.98% of the earnings are spent on dividend by FCFS. This is a low number and sustainable payout ratio.
FCFS has been paying a dividend for over 5 years, so it has already some track record.

With a Yearly Dividend Yield of 1.47%, FCFS has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 4.13, FCFS's dividend is way lower than its industry peers. On top of this 90% of the companies listed in the same industry pay a better dividend than FCFS!
With a Dividend Yield of 1.47, FCFS pays less dividend than the S&P500 average, which is at 2.47.
VS Industry

Dividend Yield (1.47%) VS Industry: 10% outperformed.

1.06
14.19
FCFS Daily chart

FIRSTCASH HOLDINGS INC92.66

NASDAQ:FCFS (11/28/2022, 7:00:02 PM)-0.66 (-0.71%)

After market: 92.66 0 (0%)

Chartmill FA Rating
GICS Sector Financials
GICS IndustryGroup Diversified Financials
GICS Industry Consumer Finance
Earnings (Last) 10-27 2022-10-27/bmo Earnings (Next) N/A N/A
Ins Owners 2.34% Inst Owners 71.79%
Market Cap 4.29B Analysts 75.38
Valuation
PE 18.24 Fwd PE 15.15
PEG (NY) 0.71 PEG (5Y) 1.66
P/S 1.73 P/B 2.38
EV/EBITDA 14.84
Dividend
Dividend Yield 1.47% Dividend Growth 8.74%
DP 5.98% Ex-Date 11-14 2022-11-14 (0.33)
Growth
EPS 1Y 56.79% EPS 3Y 3.55%
EPS 5Y 10.97% EPS growth Q2Q 54.76%
EPS Next Y 25.74% EPS Next 2Y 24.92%
EPS Next 3Y 22.55% EPS Next 5Y 21.45%
Revenue growth 1Y 56.12% Revenue growth 3Y -1.56%
Revenue growth 5Y 9.31% Revenue growth Q2Q 68.17%
Revenue Next Year 67.48% Revenue Next 2Y 34.93%
Revenue Next 3Y 25.44% Revenue Next 5Y 15.47%
Health
Current Ratio 3.46 Quick Ratio 2.56
Altman-Z 2.8 F-Score 4
Debt/Equity 0.76 WACC 7.23%
ROIC/WACC 2.19
Profitability
ROA 5.25% ROE 11.23%
ROICexgc 15.82% ROIC 6.99%
PM 8.17% OM 13.34%
Asset Turnover 0.64

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