(FCFS) FirstCash - Ratings and Ratios
Pawn, Loan, LTO, Collateral, Retail
FCFS EPS (Earnings per Share)
FCFS Revenue
Description: FCFS FirstCash
FirstCash Holdings, Inc. (NASDAQ:FCFS) is a consumer finance company operating retail pawn stores across the United States, Mexico, and Latin America, offering pawn loans and retailing merchandise acquired through collateral forfeitures. The companys business model is designed to serve cash and credit-constrained consumers, providing them with financial flexibility through pawn loans and retail POS payment solutions.
Key performance indicators (KPIs) that can be used to evaluate the companys performance include revenue growth, same-store sales growth, pawn loan yield, and retail gross margin. The companys ability to manage its pawn loan portfolio and maintain a healthy loan-to-value ratio is crucial to its success. Additionally, the growth of its retail POS payment solutions segment is an important metric, as it indicates the companys ability to expand its services beyond traditional pawn lending.
From a financial perspective, FirstCash Holdings, Inc. has a market capitalization of approximately $5.9 billion, with a price-to-earnings ratio of 21.22 and a forward P/E of 16.84, indicating a relatively stable valuation. The companys return on equity (RoE) of 13.90% suggests a decent level of profitability. To further analyze the companys financial health, metrics such as debt-to-equity ratio, interest coverage ratio, and operating cash flow margin can be examined.
To assess the companys growth prospects, it is essential to analyze its store expansion plans, geographic presence, and competitive positioning within the consumer finance industry. The companys ability to adapt to changing regulatory environments and consumer behavior will also be crucial to its long-term success. By examining these factors, investors can gain a more comprehensive understanding of FirstCash Holdings, Inc.s potential for future growth and returns.
FCFS Stock Overview
| Market Cap in USD | 5,913m |
| Sector | Financial Services |
| Industry | Credit Services |
| GiC Sub-Industry | Consumer Finance |
| IPO / Inception | 1991-04-25 |
FCFS Stock Ratings
| Growth Rating | 82.0 |
| Fundamental | 72.6% |
| Dividend Rating | 63.7 |
| Rel. Strength | -4.07 |
| Analysts | 4.20 of 5 |
| Fair Price Momentum | 153.15 USD |
| Fair Price DCF | 217.91 USD |
FCFS Dividends
| Dividend Yield 12m | 1.52% |
| Yield on Cost 5y | 3.41% |
| Annual Growth 5y | 6.21% |
| Payout Consistency | 100.0% |
| Payout Ratio | 20.4% |
FCFS Growth Ratios
| Growth Correlation 3m | 53.7% |
| Growth Correlation 12m | 70.5% |
| Growth Correlation 5y | 93% |
| CAGR 5y | 19.48% |
| CAGR/Max DD 5y | 0.55 |
| Sharpe Ratio 12m | 1.00 |
| Alpha | 19.14 |
| Beta | -0.125 |
| Volatility | 30.52% |
| Current Volume | 248.9k |
| Average Volume 20d | 284.3k |
| Stop Loss | 134.1 (-3.2%) |
Piotroski VR‑10 (Strict, 0-10) 6.5
| Net Income (291.8m TTM) > 0 and > 6% of Revenue (6% = 203.3m TTM) |
| FCFTA 0.06 (>2.0%) and ΔFCFTA -2.17pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 30.93% (prev 28.97%; Δ 1.96pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.07 (>3.0%) and CFO 311.2m > Net Income 291.8m (YES >=105%, WARN >=100%) |
| Net Debt (1.92b) to EBITDA (802.0m) ratio: 2.40 <= 3.0 (WARN <= 3.5) |
| Current Ratio 4.21 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (33.4m) change vs 12m ago -26.23% (target <= -2.0% for YES) |
| Gross Margin 51.00% (prev 46.73%; Δ 4.26pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 76.68% (prev 76.48%; Δ 0.20pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 4.57 (EBITDA TTM 802.0m / Interest Expense TTM 108.4m) >= 6 (WARN >= 3) |
Altman Z'' 4.01
| (A) 0.23 = (Total Current Assets 1.37b - Total Current Liabilities 326.7m) / Total Assets 4.51b |
| (B) 0.34 = Retained Earnings (Balance) 1.52b / Total Assets 4.51b |
| (C) 0.11 = EBIT TTM 495.4m / Avg Total Assets 4.42b |
| (D) 0.60 = Book Value of Equity 1.42b / Total Liabilities 2.37b |
| Total Rating: 4.01 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 72.63
| 1. Piotroski 6.50pt = 1.50 |
| 2. FCF Yield 3.59% = 1.80 |
| 3. FCF Margin 8.05% = 2.01 |
| 4. Debt/Equity 0.83 = 2.16 |
| 5. Debt/Ebitda 2.23 = -0.44 |
| 6. ROIC - WACC 5.39% = 6.73 |
| 7. RoE 14.14% = 1.18 |
| 8. Rev. Trend 83.33% = 4.17 |
| 9. Rev. CAGR 7.31% = 0.91 |
| 10. EPS Trend 55.03% = 1.38 |
| 11. EPS CAGR 12.37% = 1.24 |
What is the price of FCFS shares?
Over the past week, the price has changed by +3.92%, over one month by +5.39%, over three months by +5.11% and over the past year by +21.11%.
Is FirstCash a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of FCFS is around 153.15 USD . This means that FCFS is currently undervalued and has a potential upside of +10.57% (Margin of Safety).
Is FCFS a buy, sell or hold?
- Strong Buy: 3
- Buy: 0
- Hold: 2
- Sell: 0
- Strong Sell: 0
What are the forecasts/targets for the FCFS price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 152.5 | 10.1% |
| Analysts Target Price | 147 | 6.1% |
| ValueRay Target Price | 164.7 | 18.9% |
Last update: 2025-08-07 03:00
FCFS Fundamental Data Overview
CCE Cash And Equivalents = 101.5m USD (Cash And Short Term Investments, last quarter)
P/E Trailing = 20.5046
P/E Forward = 16.9205
P/S = 1.7452
P/B = 2.7628
P/EG = 2.28
Beta = 0.681
Revenue TTM = 3.39b USD
EBIT TTM = 495.4m USD
EBITDA TTM = 802.0m USD
Long Term Debt = 1.68b USD (from longTermDebt, last quarter)
Short Term Debt = 100.8m USD (from shortTermDebt, last quarter)
Debt = 1.79b USD (Calculated: Short Term 100.8m + Long Term 1.68b)
Net Debt = 1.92b USD (from netDebt column, last quarter)
Enterprise Value = 7.60b USD (5.91b + Debt 1.79b - CCE 101.5m)
Interest Coverage Ratio = 4.57 (Ebit TTM 495.4m / Interest Expense TTM 108.4m)
FCF Yield = 3.59% (FCF TTM 272.7m / Enterprise Value 7.60b)
FCF Margin = 8.05% (FCF TTM 272.7m / Revenue TTM 3.39b)
Net Margin = 8.61% (Net Income TTM 291.8m / Revenue TTM 3.39b)
Gross Margin = 51.00% ((Revenue TTM 3.39b - Cost of Revenue TTM 1.66b) / Revenue TTM)
Tobins Q-Ratio = 5.33 (Enterprise Value 7.60b / Book Value Of Equity 1.42b)
Interest Expense / Debt = 1.47% (Interest Expense 26.3m / Debt 1.79b)
Taxrate = 24.49% (from yearly Income Tax Expense: 84.0m / 342.8m)
NOPAT = 374.1m (EBIT 495.4m * (1 - 24.49%))
Current Ratio = 4.21 (Total Current Assets 1.37b / Total Current Liabilities 326.7m)
Debt / Equity = 0.83 (Debt 1.79b / last Quarter total Stockholder Equity 2.14b)
Debt / EBITDA = 2.23 (Net Debt 1.92b / EBITDA 802.0m)
Debt / FCF = 6.55 (Debt 1.79b / FCF TTM 272.7m)
Total Stockholder Equity = 2.06b (last 4 quarters mean)
RoA = 6.46% (Net Income 291.8m, Total Assets 4.51b )
RoE = 14.14% (Net Income TTM 291.8m / Total Stockholder Equity 2.06b)
RoCE = 13.22% (Ebit 495.4m / (Equity 2.06b + L.T.Debt 1.68b))
RoIC = 9.91% (NOPAT 374.1m / Invested Capital 3.78b)
WACC = 4.52% (E(5.91b)/V(7.70b) * Re(5.55%)) + (D(1.79b)/V(7.70b) * Rd(1.47%) * (1-Tc(0.24)))
Shares Correlation 5-Years: -100.0 | Cagr: -7.17%
Discount Rate = 5.55% (= CAPM, Blume Beta Adj.) -> floored to rf + ERP 8.05%
[DCF Debug] Terminal Value 80.89% ; FCFE base≈305.6m ; Y1≈362.5m ; Y5≈564.6m
Fair Price DCF = 217.9 (DCF Value 9.67b / Shares Outstanding 44.4m; 5y FCF grow 19.82% → 3.0% )
Revenue Correlation: 83.33 | Revenue CAGR: 7.31%
Revenue Growth Correlation: -98.18%
EPS Correlation: 55.03 | EPS CAGR: 12.37%
EPS Growth Correlation: 82.06%
Additional Sources for FCFS Stock
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Fund Manager Positions: Dataroma | Stockcircle