FIRSTCASH HOLDINGS INC (FCFS) Stock Fundamental Analysis
NASDAQ:FCFS • US33768G1076
192.79 USD
+3.52 (+1.86%)
At close: Feb 27, 2026
192.79 USD
0 (0%)
After Hours: 2/27/2026, 8:00:04 PM
Taking everything into account, FCFS scores 6 out of 10 in our fundamental rating. FCFS was compared to 54 industry peers in the Consumer Finance industry. FCFS is in great health and has no worries on liquidiy or solvency at all, but the profibility rating is only average. FCFS is quite expensive at the moment. It does show 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.
- Each year in the past 5 years FCFS has been profitable.
- FCFS had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- FCFS has a Return On Assets of 6.23%. This is in the better half of the industry: FCFS outperforms 74.07% of its industry peers.
- FCFS has a Return On Equity (14.51%) which is comparable to the rest of the industry.
- FCFS has a Return On Invested Capital of 8.99%. This is in the better half of the industry: FCFS outperforms 68.52% of its industry peers.
- FCFS had an Average Return On Invested Capital over the past 3 years of 8.17%. This is below the industry average of 12.27%.
- The 3 year average ROIC (8.17%) for FCFS is below the current ROIC(8.99%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 6.23% | ||
| ROE | 14.51% | ||
| ROIC | 8.99% |
ROA(3y)5.71%
ROA(5y)5.37%
ROE(3y)12.7%
ROE(5y)11.7%
ROIC(3y)8.17%
ROIC(5y)7.47%
1.3 Margins
- The Profit Margin of FCFS (9.02%) is worse than 61.11% of its industry peers.
- FCFS's Profit Margin has improved in the last couple of years.
- FCFS's Operating Margin of 16.09% is in line compared to the rest of the industry. FCFS outperforms 55.56% of its industry peers.
- In the last couple of years the Operating Margin of FCFS has grown nicely.
- FCFS has a Gross Margin of 50.28%. This is comparable to the rest of the industry: FCFS outperforms 46.30% of its industry peers.
- In the last couple of years the Gross Margin of FCFS has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 16.09% | ||
| PM (TTM) | 9.02% | ||
| GM | 50.28% |
OM growth 3Y3.5%
OM growth 5Y6.02%
PM growth 3Y-0.96%
PM growth 5Y6.67%
GM growth 3Y2.75%
GM growth 5Y-2.08%
2. Health
2.1 Basic Checks
- With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), FCFS is creating some value.
- Compared to 1 year ago, FCFS has less shares outstanding
- Compared to 5 years ago, FCFS has more shares outstanding
- Compared to 1 year ago, FCFS has a worse debt to assets ratio.
2.2 Solvency
- An Altman-Z score of 3.51 indicates that FCFS is not in any danger for bankruptcy at the moment.
- FCFS has a Altman-Z score of 3.51. This is amongst the best in the industry. FCFS outperforms 92.59% of its industry peers.
- FCFS has a debt to FCF ratio of 4.71. This is a neutral value as FCFS would need 4.71 years to pay back of all of its debts.
- The Debt to FCF ratio of FCFS (4.71) is better than 74.07% of its industry peers.
- FCFS has a Debt/Equity ratio of 0.97. This is a neutral value indicating FCFS is somewhat dependend on debt financing.
- Looking at the Debt to Equity ratio, with a value of 0.97, FCFS is in the better half of the industry, outperforming 62.96% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.97 | ||
| Debt/FCF | 4.71 | ||
| Altman-Z | 3.51 |
ROIC/WACC1.13
WACC7.95%
2.3 Liquidity
- A Current Ratio of 4.55 indicates that FCFS has no problem at all paying its short term obligations.
- FCFS's Current ratio of 4.55 is amongst the best of the industry. FCFS outperforms 85.19% of its industry peers.
- FCFS has a Quick Ratio of 3.36. This indicates that FCFS is financially healthy and has no problem in meeting its short term obligations.
- With a decent Quick ratio value of 3.36, FCFS is doing good in the industry, outperforming 79.63% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 4.55 | ||
| Quick Ratio | 3.36 |
3. Growth
3.1 Past
- FCFS shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 30.55%, which is quite impressive.
- Measured over the past years, FCFS shows a very strong growth in Earnings Per Share. The EPS has been growing by 23.82% on average per year.
- Looking at the last year, FCFS shows a quite strong growth in Revenue. The Revenue has grown by 8.04% in the last year.
- FCFS shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 17.55% yearly.
EPS 1Y (TTM)30.55%
EPS 3Y18.91%
EPS 5Y23.82%
EPS Q2Q%24.53%
Revenue 1Y (TTM)8.04%
Revenue growth 3Y10.29%
Revenue growth 5Y17.55%
Sales Q2Q%19.76%
3.2 Future
- The Earnings Per Share is expected to grow by 15.93% on average over the next years. This is quite good.
- The Revenue is expected to grow by 1.38% on average over the next years.
EPS Next Y16.91%
EPS Next 2Y16.24%
EPS Next 3Y15.05%
EPS Next 5Y15.93%
Revenue Next Year15.94%
Revenue Next 2Y6.78%
Revenue Next 3Y1.38%
Revenue Next 5YN/A
3.3 Evolution
- The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past 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
- FCFS is valuated rather expensively with a Price/Earnings ratio of 22.01.
- Based on the Price/Earnings ratio, FCFS is valued a bit more expensive than the industry average as 77.78% of the companies are valued more cheaply.
- When comparing the Price/Earnings ratio of FCFS to the average of the S&P500 Index (27.07), we can say FCFS is valued inline with the index average.
- The Price/Forward Earnings ratio is 18.82, which indicates a rather expensive current valuation of FCFS.
- FCFS's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. FCFS is more expensive than 66.67% of the companies in the same industry.
- FCFS's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 28.05.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 22.01 | ||
| Fwd PE | 18.82 |
4.2 Price Multiples
- FCFS's Enterprise Value to EBITDA ratio is in line with the industry average.
- 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 | 18.14 | ||
| EV/EBITDA | 15.11 |
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.
- FCFS's earnings are expected to grow with 15.05% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.3
PEG (5Y)0.92
EPS Next 2Y16.24%
EPS Next 3Y15.05%
5. Dividend
5.1 Amount
- With a yearly dividend of 0.89%, FCFS is not a good candidate for dividend investing.
- FCFS's Dividend Yield is comparable with the industry average which is at 2.83.
- Compared to an average S&P500 Dividend Yield of 1.82, FCFS's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.89% |
5.2 History
- On average, the dividend of FCFS grows each year by 8.23%, which is quite nice.
- FCFS has paid a dividend for at least 10 years, which is 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)8.23%
Div Incr Years8
Div Non Decr Years8
5.3 Sustainability
- 21.45% 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.
DP21.45%
EPS Next 2Y16.24%
EPS Next 3Y15.05%
192.79
+3.52 (+1.86%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)02-05 2026-02-05/bmo
Earnings (Next)N/A N/A
Inst Owners91.52%
Inst Owner Change-1.18%
Ins Owners2.55%
Ins Owner Change5.47%
Market Cap8.51B
Revenue(TTM)3.66B
Net Income(TTM)330.38M
Analysts80
Price Target206.89 (7.31%)
Short Float %1.34%
Short Ratio2.06
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.89% |
Yearly Dividend1.6
Dividend Growth(5Y)8.23%
DP21.45%
Div Incr Years8
Div Non Decr Years8
Ex-Date02-18 2026-02-18 (0.42)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)8.61%
Min EPS beat(2)3.15%
Max EPS beat(2)14.08%
EPS beat(4)4
Avg EPS beat(4)9.75%
Min EPS beat(4)3.15%
Max EPS beat(4)16.73%
EPS beat(8)7
Avg EPS beat(8)5.6%
EPS beat(12)11
Avg EPS beat(12)6.54%
EPS beat(16)15
Avg EPS beat(16)7.26%
Revenue beat(2)2
Avg Revenue beat(2)4.3%
Min Revenue beat(2)1.48%
Max Revenue beat(2)7.12%
Revenue beat(4)2
Avg Revenue beat(4)1.43%
Min Revenue beat(4)-1.87%
Max Revenue beat(4)7.12%
Revenue beat(8)2
Avg Revenue beat(8)-0.6%
Revenue beat(12)5
Avg Revenue beat(12)-0.27%
Revenue beat(16)6
Avg Revenue beat(16)-0.35%
PT rev (1m)13.59%
PT rev (3m)13.59%
EPS NQ rev (1m)-2.35%
EPS NQ rev (3m)-2.75%
EPS NY rev (1m)0.27%
EPS NY rev (3m)-0.09%
Revenue NQ rev (1m)4.41%
Revenue NQ rev (3m)4.47%
Revenue NY rev (1m)4.98%
Revenue NY rev (3m)5.03%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 22.01 | ||
| Fwd PE | 18.82 | ||
| P/S | 2.32 | ||
| P/FCF | 18.14 | ||
| P/OCF | 14.52 | ||
| P/B | 3.74 | ||
| P/tB | 383.3 | ||
| EV/EBITDA | 15.11 |
EPS(TTM)8.76
EY4.54%
EPS(NY)10.24
Fwd EY5.31%
FCF(TTM)10.63
FCFY5.51%
OCF(TTM)13.28
OCFY6.89%
SpS82.96
BVpS51.59
TBVpS0.5
PEG (NY)1.3
PEG (5Y)0.92
Graham Number100.84
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 6.23% | ||
| ROE | 14.51% | ||
| ROCE | 12.04% | ||
| ROIC | 8.99% | ||
| ROICexc | 9.23% | ||
| ROICexgc | 17.5% | ||
| OM | 16.09% | ||
| PM (TTM) | 9.02% | ||
| GM | 50.28% | ||
| FCFM | 12.81% |
ROA(3y)5.71%
ROA(5y)5.37%
ROE(3y)12.7%
ROE(5y)11.7%
ROIC(3y)8.17%
ROIC(5y)7.47%
ROICexc(3y)8.45%
ROICexc(5y)7.73%
ROICexgc(3y)16.94%
ROICexgc(5y)16.2%
ROCE(3y)10.94%
ROCE(5y)10.01%
ROICexgc growth 3Y-2.21%
ROICexgc growth 5Y4.44%
ROICexc growth 3Y2.89%
ROICexc growth 5Y5.77%
OM growth 3Y3.5%
OM growth 5Y6.02%
PM growth 3Y-0.96%
PM growth 5Y6.67%
GM growth 3Y2.75%
GM growth 5Y-2.08%
F-Score7
Asset Turnover0.69
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.97 | ||
| Debt/FCF | 4.71 | ||
| Debt/EBITDA | 3.15 | ||
| Cap/Depr | 104.49% | ||
| Cap/Sales | 3.19% | ||
| Interest Coverage | 4.38 | ||
| Cash Conversion | 83.6% | ||
| Profit Quality | 142% | ||
| Current Ratio | 4.55 | ||
| Quick Ratio | 3.36 | ||
| Altman-Z | 3.51 |
F-Score7
WACC7.95%
ROIC/WACC1.13
Cap/Depr(3y)123.73%
Cap/Depr(5y)99.4%
Cap/Sales(3y)3.96%
Cap/Sales(5y)3.13%
Profit Quality(3y)140.4%
Profit Quality(5y)147.49%
High Growth Momentum
Growth
EPS 1Y (TTM)30.55%
EPS 3Y18.91%
EPS 5Y23.82%
EPS Q2Q%24.53%
EPS Next Y16.91%
EPS Next 2Y16.24%
EPS Next 3Y15.05%
EPS Next 5Y15.93%
Revenue 1Y (TTM)8.04%
Revenue growth 3Y10.29%
Revenue growth 5Y17.55%
Sales Q2Q%19.76%
Revenue Next Year15.94%
Revenue Next 2Y6.78%
Revenue Next 3Y1.38%
Revenue Next 5YN/A
EBIT growth 1Y30.64%
EBIT growth 3Y14.15%
EBIT growth 5Y24.62%
EBIT Next Year76.75%
EBIT Next 3Y34.25%
EBIT Next 5YN/A
FCF growth 1Y21.65%
FCF growth 3Y2.65%
FCF growth 5Y20.48%
OCF growth 1Y8.52%
OCF growth 3Y7.68%
OCF growth 5Y21.39%
FIRSTCASH HOLDINGS INC / FCFS FAQ
What is the ChartMill fundamental rating of FIRSTCASH HOLDINGS INC (FCFS) stock?
ChartMill assigns a fundamental rating of 6 / 10 to FCFS.
What is the valuation status of FIRSTCASH HOLDINGS INC (FCFS) stock?
ChartMill assigns a valuation rating of 3 / 10 to FIRSTCASH HOLDINGS INC (FCFS). This can be considered as Overvalued.
What is the profitability of FCFS stock?
FIRSTCASH HOLDINGS INC (FCFS) has a profitability rating of 6 / 10.
Can you provide the PE and PB ratios for FCFS stock?
The Price/Earnings (PE) ratio for FIRSTCASH HOLDINGS INC (FCFS) is 22.01 and the Price/Book (PB) ratio is 3.74.
Is the dividend of FIRSTCASH HOLDINGS INC sustainable?
The dividend rating of FIRSTCASH HOLDINGS INC (FCFS) is 5 / 10 and the dividend payout ratio is 21.45%.