NASDAQ
FCFS
Last Price
US $210.06
KEY FIGURES
MKT CAP
$9.2B
EPS
TTM
$8.01
PEG
TTM
1.00x
P/E
TTM
26.22x
P/S
TTM
2.40x
YIELD
0.80%
GROWTH
Revenue Y/Y
17.55%
(FY vs FY)
EBITDA Y/Y
Cash Flow (DCF)
Fair Value
Market $210.06
-39.22%
Default assumptions
EBITDA Multiple
Fair Value
Market $210.06
-53.55%
Default assumptions
Valuation
Financial
Performance
Financial risk - Cash flow debt coverage.
FirstCash Holdings, Inc cash flow to debt ratio of 20.80% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.
Financial stability - Healthy cash flow growth.
FirstCash Holdings, Inc's free cash flow has increased 12.58% from $471.71M last year to $531.04M, signaling increasing performance
Financial risk - Healthy debt to equity ratio.
FirstCash Holdings, Inc's debt to equity ratio is 1.14, which means that the company's assets are unhealthy financed, signaling financial risk. READ MORE: A ratio over 0.60 means the company finances its assets with debt, signaling financial risk. If ratio is negative, the company spent its own equity and risks bankruptcy
Financial risk - Healthy debt to equity ratio development.
FirstCash Holdings, Inc's debt has increased relative to shareholder equity from 1.00 last year to 1.14 today, signaling weakened financials
Financial stability - Net debt/EBITDA.
FirstCash Holdings, Inc has a net debt to EBITDA ratio of 2.69x, which is below the 3.00x threshold, indicating healthy leverage and financial stability
Financial stability - ICR.
FirstCash Holdings, Inc's interest coverage ratio of 4.69 indicates that earnings with good margin can cover interest payments on company debt
Financial stability - Profit margin growth.
FirstCash Holdings, Inc's profit margin has increased (19.73%) in the last year from 7.64% to 9.14%, signaling increasing performance
Financial stability - Short term assets vs short term liabilities.
FirstCash Holdings, Inc's short-term assets of $1.86G exceed its short-term liabilities of $407.81M
Increasing performance - ROA.
FirstCash Holdings, Inc's return on assets of 6.61% is higher than the 5.00% threshold, indicating efficient asset utilization
Increasing performance - Absolute return on equity.
FirstCash Holdings, Inc's return on equity of 15.91%, is higher than 15.00%, indicating good performance
Increasing performance - Earnings quality.
FirstCash Holdings, Inc's operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation
Increasing performance - Earnings stability.
FirstCash Holdings, Inc had positive net income in 5.00 out of 5 years, indicating stable and consistent earnings
Increasing performance - Free cash flow.
FirstCash Holdings, Inc has positive free cash flow, indicating the company generates cash after capital expenditures
Increasing performance - FCF yield.
FirstCash Holdings, Inc has a free cash flow yield of 5.77%, which is above the 2.00% threshold, indicating strong cash generation relative to market value
Increasing performance - Healthy earnings growth.
FirstCash Holdings, Inc's yearly earnings has increased 27.65% since last year from $258.81M to $330.38M, signaling increasing performance
Increasing performance - Healthy revenue growth.
FirstCash Holdings, Inc's yearly revenue has increased 8.04% since last year from $3.39G to $3.66G, signaling increasing performance
Increasing performance - ROIC.
ROIC 8.75% (Source: FMP key-metrics). In the 5–10% partial-credit band. Score: 1 of 2. This band sits within the typical US weighted-average cost of capital range. Methodology choice can change the conclusion: under FMP's invested-capital definition the company is at or near its cost of capital; under narrower operating-capital definitions the same company may score higher. Invested capital here includes equity, non-current liabilities, and short-term debt. Cash is not subtracted. See methodology.
Increasing performance - 3-year revenue CAGR.
FirstCash Holdings, Inc's 3-year revenue CAGR of 10.29% is positive, indicating growing revenue over the past 3 years
Increasing performance - Revenue consistency.
FirstCash Holdings, Inc had revenue growth in 5.00 out of 5 years, indicating consistent revenue performance
Increasing performance - ROE consistency.
FirstCash Holdings, Inc had positive ROE in 5.00 out of 5 years, indicating consistent and reliable returns on equity
Overvalued - DCF valuation.
FirstCash Holdings, Inc is overvalued relative to its fair value price of 127.67 based on Discounted Cash Flow model
Overvalued - Earnings yield.
FirstCash Holdings, Inc has an earnings yield of 3.81%, which is below the 4.00% threshold, indicating the stock may be expensive relative to its earnings
Overvalued - EBITDA valuation.
FirstCash Holdings, Inc is overvalued relative to its fair value price of 97.57 based on EBITDA multiple model
Undervalued - EV/EBITDA.
FirstCash Holdings, Inc has an EV/EBITDA ratio of 11.90x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings
Undervalued - PEG ratio value.
FirstCash Holdings, Inc has a PEG-ratio under 1 which is considered undervalued
Undervalued - P/B ratio.
FirstCash Holdings, Inc has a price-to-book ratio of 4.04x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value
Undervalued - P/S ratio.
FirstCash Holdings, Inc has a price-to-sales ratio of 2.40x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue
Profit margin
Current Ratio
Capital Returns
15.91%
Return on equity
ROIC: 8.75%
Valuation History
27.3X
Price to Earnings
EV/EBITDA: 11.6X
Cash flow
Profit margin
35.97%
(FY vs FY)
Cash flow Y/Y
23.52%
(FY vs FY)
Base valuations use default assumptions. Customize in the Valuator.