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Also traded in: Germany, Mexico

GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 0.25
FCFS's Cash to Debt is ranked lower than
61% of the 370 Companies
in the Global Credit Services industry.

( Industry Median: 0.60 vs. FCFS: 0.25 )
Ranked among companies with meaningful Cash to Debt only.
FCFS' s Cash to Debt Range Over the Past 10 Years
Min: 0.02  Med: 0.36 Max: No Debt
Current: 0.25
Equity to Asset 0.63
FCFS's Equity to Asset is ranked higher than
63% of the 347 Companies
in the Global Credit Services industry.

( Industry Median: 0.46 vs. FCFS: 0.63 )
Ranked among companies with meaningful Equity to Asset only.
FCFS' s Equity to Asset Range Over the Past 10 Years
Min: 0.38  Med: 0.66 Max: 0.91
Current: 0.63
0.38
0.91
Interest Coverage 3.56
FCFS's Interest Coverage is ranked lower than
60% of the 346 Companies
in the Global Credit Services industry.

( Industry Median: 8.45 vs. FCFS: 3.56 )
Ranked among companies with meaningful Interest Coverage only.
FCFS' s Interest Coverage Range Over the Past 10 Years
Min: 3.56  Med: 79.05 Max: 793.24
Current: 3.56
3.56
793.24
F-Score: 4
Z-Score: 2.68
M-Score: -0.53
WACC vs ROIC
7.16%
4.94%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 7/10

vs
industry
vs
history
Operating margin (%) 7.94
FCFS's Operating margin (%) is ranked lower than
66% of the 371 Companies
in the Global Credit Services industry.

( Industry Median: 19.21 vs. FCFS: 7.94 )
Ranked among companies with meaningful Operating margin (%) only.
FCFS' s Operating margin (%) Range Over the Past 10 Years
Min: 7.94  Med: 18.15 Max: 20.86
Current: 7.94
7.94
20.86
Net-margin (%) 5.24
FCFS's Net-margin (%) is ranked lower than
65% of the 371 Companies
in the Global Credit Services industry.

( Industry Median: 12.91 vs. FCFS: 5.24 )
Ranked among companies with meaningful Net-margin (%) only.
FCFS' s Net-margin (%) Range Over the Past 10 Years
Min: -6.46  Med: 13.03 Max: 15.13
Current: 5.24
-6.46
15.13
ROE (%) 6.74
FCFS's ROE (%) is ranked higher than
52% of the 368 Companies
in the Global Credit Services industry.

( Industry Median: 6.24 vs. FCFS: 6.74 )
Ranked among companies with meaningful ROE (%) only.
FCFS' s ROE (%) Range Over the Past 10 Years
Min: -12.11  Med: 20.97 Max: 27.13
Current: 6.74
-12.11
27.13
ROA (%) 4.04
FCFS's ROA (%) is ranked higher than
67% of the 382 Companies
in the Global Credit Services industry.

( Industry Median: 2.19 vs. FCFS: 4.04 )
Ranked among companies with meaningful ROA (%) only.
FCFS' s ROA (%) Range Over the Past 10 Years
Min: -7.73  Med: 14.75 Max: 22.24
Current: 4.04
-7.73
22.24
ROC (Joel Greenblatt) (%) 19.10
FCFS's ROC (Joel Greenblatt) (%) is ranked higher than
58% of the 296 Companies
in the Global Credit Services industry.

( Industry Median: 12.59 vs. FCFS: 19.10 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
FCFS' s ROC (Joel Greenblatt) (%) Range Over the Past 10 Years
Min: 19.1  Med: 45.72 Max: 63.02
Current: 19.1
19.1
63.02
Revenue Growth (3Y)(%) 7.70
FCFS's Revenue Growth (3Y)(%) is ranked higher than
61% of the 257 Companies
in the Global Credit Services industry.

( Industry Median: 2.50 vs. FCFS: 7.70 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
FCFS' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -0.6  Med: 13.4 Max: 30.7
Current: 7.7
-0.6
30.7
EBITDA Growth (3Y)(%) -2.00
FCFS's EBITDA Growth (3Y)(%) is ranked lower than
64% of the 225 Companies
in the Global Credit Services industry.

( Industry Median: 5.40 vs. FCFS: -2.00 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
FCFS' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -2  Med: 15.5 Max: 25.5
Current: -2
-2
25.5
EPS Growth (3Y)(%) -7.70
FCFS's EPS Growth (3Y)(%) is ranked lower than
63% of the 225 Companies
in the Global Credit Services industry.

( Industry Median: 1.60 vs. FCFS: -7.70 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
FCFS' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -7.7  Med: 21.1 Max: 32.2
Current: -7.7
-7.7
32.2
» FCFS's 10-Y Financials

Financials (Next Earnings Date: Est. 2017-01-28)


Revenue & Net Income
Cash & Debt
Oprt. Cash Flow & Free Cash Flow
Oprt. Cash Flow & Net Income

» Details

Guru Trades

FCFS Guru Trades in

FCFS Guru Trades in

FCFS Guru Trades in

Q3 2016

FCFS Guru Trades in Q3 2016

Jeremy Grantham 261,892 sh (New)
Jim Simons 570,814 sh (New)
Paul Tudor Jones 10,000 sh (New)
» More
» Details

Insider Trades

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Business Description

Industry: Credit Services » Credit Services    NAICS: 522291    SIC: 5999
Compare:NYSE:LC, NYSE:NNI, NAS:HAWK, NYSE:OMF, NYSE:YRD, OTCPK:ELEEF, NYSE:GDOT, NAS:FSC, NYSE:PHH, NYSE:TCAP, OTCPK:AUTCF, NAS:CACC, OTCPK:CCAOF, NAS:EZPW, NAS:MGI, OTCPK:ALARF, NYSE:AGM, NAS:WRLD, NAS:SLM, NAS:NEWS » details
Traded in other countries:FF6.Germany, FCFS.Mexico,
First Cash Financial Services Inc is an operator of pawn and consumer finance stores in the United States and Mexico.

FirstCash Inc was formed as a Texas corporation in July 1988 as First Cash Financial Services Inc and in April 1991, the Company reincorporated as a Delaware corporation. The Company is an operator of retail-based pawn stores in the U.S., Mexico, Guatemala and El Salvador. It operates pawn stores focusing on serving cash and credit constrained consumers through its retail pawn locations, which buy and sell a wide variety of jewelry, consumer electronics, power tools, household appliances, sporting goods, musical instruments and other merchandise, and make small consumer pawn loans secured by pledged personal property. It has approximately over 1,270 retail and consumer lending locations.

Ratios

vs
industry
vs
history
P/E(ttm) 31.27
FCFS's P/E(ttm) is ranked lower than
73% of the 278 Companies
in the Global Credit Services industry.

( Industry Median: 14.00 vs. FCFS: 31.27 )
Ranked among companies with meaningful P/E(ttm) only.
FCFS' s P/E(ttm) Range Over the Past 10 Years
Min: 7.78  Med: 18.33 Max: 34.53
Current: 31.27
7.78
34.53
Forward P/E 17.36
FCFS's Forward P/E is ranked lower than
78% of the 40 Companies
in the Global Credit Services industry.

( Industry Median: 11.48 vs. FCFS: 17.36 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 31.27
FCFS's PE(NRI) is ranked lower than
72% of the 282 Companies
in the Global Credit Services industry.

( Industry Median: 14.38 vs. FCFS: 31.27 )
Ranked among companies with meaningful PE(NRI) only.
FCFS' s PE(NRI) Range Over the Past 10 Years
Min: 7.94  Med: 18.69 Max: 34.53
Current: 31.27
7.94
34.53
Price/Owner Earnings (ttm) 41.74
FCFS's Price/Owner Earnings (ttm) is ranked lower than
85% of the 84 Companies
in the Global Credit Services industry.

( Industry Median: 12.82 vs. FCFS: 41.74 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
FCFS' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 9.81  Med: 19.32 Max: 81.67
Current: 41.74
9.81
81.67
P/B 1.61
FCFS's P/B is ranked lower than
61% of the 351 Companies
in the Global Credit Services industry.

( Industry Median: 1.14 vs. FCFS: 1.61 )
Ranked among companies with meaningful P/B only.
FCFS' s P/B Range Over the Past 10 Years
Min: 1.22  Med: 3.37 Max: 5.14
Current: 1.61
1.22
5.14
P/S 1.74
FCFS's P/S is ranked higher than
75% of the 341 Companies
in the Global Credit Services industry.

( Industry Median: 3.30 vs. FCFS: 1.74 )
Ranked among companies with meaningful P/S only.
FCFS' s P/S Range Over the Past 10 Years
Min: 0.63  Med: 2.25 Max: 3.53
Current: 1.74
0.63
3.53
PFCF 33.66
FCFS's PFCF is ranked lower than
88% of the 78 Companies
in the Global Credit Services industry.

( Industry Median: 8.55 vs. FCFS: 33.66 )
Ranked among companies with meaningful PFCF only.
FCFS' s PFCF Range Over the Past 10 Years
Min: 8.06  Med: 20.96 Max: 172.84
Current: 33.66
8.06
172.84
POCF 19.88
FCFS's POCF is ranked lower than
81% of the 102 Companies
in the Global Credit Services industry.

( Industry Median: 8.47 vs. FCFS: 19.88 )
Ranked among companies with meaningful POCF only.
FCFS' s POCF Range Over the Past 10 Years
Min: 5.83  Med: 15.17 Max: 70.68
Current: 19.88
5.83
70.68
EV-to-EBIT 32.88
FCFS's EV-to-EBIT is ranked lower than
68% of the 281 Companies
in the Global Credit Services industry.

( Industry Median: 17.44 vs. FCFS: 32.88 )
Ranked among companies with meaningful EV-to-EBIT only.
FCFS' s EV-to-EBIT Range Over the Past 10 Years
Min: 5.9  Med: 12.5 Max: 33.14
Current: 32.88
5.9
33.14
EV-to-EBITDA 26.18
FCFS's EV-to-EBITDA is ranked lower than
65% of the 285 Companies
in the Global Credit Services industry.

( Industry Median: 15.37 vs. FCFS: 26.18 )
Ranked among companies with meaningful EV-to-EBITDA only.
FCFS' s EV-to-EBITDA Range Over the Past 10 Years
Min: 4.7  Med: 11 Max: 26.38
Current: 26.18
4.7
26.38
PEG 3.41
FCFS's PEG is ranked lower than
86% of the 100 Companies
in the Global Credit Services industry.

( Industry Median: 0.70 vs. FCFS: 3.41 )
Ranked among companies with meaningful PEG only.
FCFS' s PEG Range Over the Past 10 Years
Min: 0.38  Med: 1.06 Max: 19.51
Current: 3.41
0.38
19.51
Shiller P/E 24.79
FCFS's Shiller P/E is ranked lower than
70% of the 43 Companies
in the Global Credit Services industry.

( Industry Median: 14.32 vs. FCFS: 24.79 )
Ranked among companies with meaningful Shiller P/E only.
FCFS' s Shiller P/E Range Over the Past 10 Years
Min: 13.19  Med: 34.31 Max: 57.49
Current: 24.79
13.19
57.49
Current Ratio 5.85
FCFS's Current Ratio is ranked higher than
60% of the 282 Companies
in the Global Credit Services industry.

( Industry Median: 2.67 vs. FCFS: 5.85 )
Ranked among companies with meaningful Current Ratio only.
FCFS' s Current Ratio Range Over the Past 10 Years
Min: 1.2  Med: 6.06 Max: 11.07
Current: 5.85
1.2
11.07
Quick Ratio 3.88
FCFS's Quick Ratio is ranked higher than
57% of the 281 Companies
in the Global Credit Services industry.

( Industry Median: 2.38 vs. FCFS: 3.88 )
Ranked among companies with meaningful Quick Ratio only.
FCFS' s Quick Ratio Range Over the Past 10 Years
Min: 0.9  Med: 4.56 Max: 8.77
Current: 3.88
0.9
8.77
Days Inventory 141.75
FCFS's Days Inventory is ranked lower than
77% of the 83 Companies
in the Global Credit Services industry.

( Industry Median: 38.54 vs. FCFS: 141.75 )
Ranked among companies with meaningful Days Inventory only.
FCFS' s Days Inventory Range Over the Past 10 Years
Min: 60.84  Med: 87.44 Max: 141.75
Current: 141.75
60.84
141.75
Days Sales Outstanding 215.64
FCFS's Days Sales Outstanding is ranked lower than
83% of the 178 Companies
in the Global Credit Services industry.

( Industry Median: 16.46 vs. FCFS: 215.64 )
Ranked among companies with meaningful Days Sales Outstanding only.
FCFS' s Days Sales Outstanding Range Over the Past 10 Years
Min: 7.39  Med: 70 Max: 215.64
Current: 215.64
7.39
215.64

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.18
FCFS's Dividend Yield is ranked lower than
73% of the 269 Companies
in the Global Credit Services industry.

( Industry Median: 2.63 vs. FCFS: 1.18 )
Ranked among companies with meaningful Dividend Yield only.
FCFS' s Dividend Yield Range Over the Past 10 Years
Min: 0.26  Med: 0.49 Max: 1.26
Current: 1.18
0.26
1.26
Dividend Payout 0.26
FCFS's Dividend Payout is ranked higher than
59% of the 153 Companies
in the Global Credit Services industry.

( Industry Median: 0.83 vs. FCFS: 0.26 )
Ranked among companies with meaningful Dividend Payout only.
FCFS' s Dividend Payout Range Over the Past 10 Years
Min: 0.26  Med: 0.29 Max: 0.31
Current: 0.26
0.26
0.31
Forward Dividend Yield 1.58
FCFS's Forward Dividend Yield is ranked lower than
72% of the 262 Companies
in the Global Credit Services industry.

( Industry Median: 2.90 vs. FCFS: 1.58 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 1.19
FCFS's Yield on cost (5-Year) is ranked lower than
77% of the 326 Companies
in the Global Credit Services industry.

( Industry Median: 3.30 vs. FCFS: 1.19 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
FCFS' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0.26  Med: 0.49 Max: 1.26
Current: 1.19
0.26
1.26
3-Year Average Share Buyback Ratio 1.00
FCFS's 3-Year Average Share Buyback Ratio is ranked higher than
80% of the 132 Companies
in the Global Credit Services industry.

( Industry Median: -3.50 vs. FCFS: 1.00 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
FCFS' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -33.8  Med: -0.5 Max: 2.5
Current: 1
-33.8
2.5

Valuation & Return

vs
industry
vs
history
Price/Net Current Asset Value 16.42
FCFS's Price/Net Current Asset Value is ranked lower than
88% of the 157 Companies
in the Global Credit Services industry.

( Industry Median: 1.96 vs. FCFS: 16.42 )
Ranked among companies with meaningful Price/Net Current Asset Value only.
FCFS' s Price/Net Current Asset Value Range Over the Past 10 Years
Min: 4.41  Med: 9.1 Max: 569.88
Current: 16.42
4.41
569.88
Price/Tangible Book 5.04
FCFS's Price/Tangible Book is ranked lower than
86% of the 342 Companies
in the Global Credit Services industry.

( Industry Median: 1.24 vs. FCFS: 5.04 )
Ranked among companies with meaningful Price/Tangible Book only.
FCFS' s Price/Tangible Book Range Over the Past 10 Years
Min: 1.63  Med: 5.13 Max: 125
Current: 5.04
1.63
125
Price/Projected FCF 0.89
FCFS's Price/Projected FCF is ranked lower than
51% of the 93 Companies
in the Global Credit Services industry.

( Industry Median: 0.81 vs. FCFS: 0.89 )
Ranked among companies with meaningful Price/Projected FCF only.
FCFS' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.32  Med: 1.14 Max: 3.53
Current: 0.89
0.32
3.53
Price/DCF (Earnings Based) 1.46
FCFS's Price/DCF (Earnings Based) is ranked lower than
94% of the 18 Companies
in the Global Credit Services industry.

( Industry Median: 0.78 vs. FCFS: 1.46 )
Ranked among companies with meaningful Price/DCF (Earnings Based) only.
N/A
Price/Median PS Value 0.78
FCFS's Price/Median PS Value is ranked higher than
69% of the 293 Companies
in the Global Credit Services industry.

( Industry Median: 0.97 vs. FCFS: 0.78 )
Ranked among companies with meaningful Price/Median PS Value only.
FCFS' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.08  Med: 0.77 Max: 1.57
Current: 0.78
0.08
1.57
Price/Graham Number 2.65
FCFS's Price/Graham Number is ranked lower than
83% of the 226 Companies
in the Global Credit Services industry.

( Industry Median: 0.97 vs. FCFS: 2.65 )
Ranked among companies with meaningful Price/Graham Number only.
FCFS' s Price/Graham Number Range Over the Past 10 Years
Min: 0.51  Med: 2.12 Max: 9
Current: 2.65
0.51
9
Earnings Yield (Greenblatt) (%) 3.02
FCFS's Earnings Yield (Greenblatt) (%) is ranked lower than
53% of the 356 Companies
in the Global Credit Services industry.

( Industry Median: 3.90 vs. FCFS: 3.02 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
FCFS' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 3  Med: 8 Max: 17
Current: 3.02
3
17
Forward Rate of Return (Yacktman) (%) 6.71
FCFS's Forward Rate of Return (Yacktman) (%) is ranked higher than
52% of the 100 Companies
in the Global Credit Services industry.

( Industry Median: 4.95 vs. FCFS: 6.71 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
FCFS' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: 6  Med: 22.3 Max: 29.7
Current: 6.71
6
29.7

More Statistics

Revenue (TTM) (Mil) $817.8
EPS (TTM) $ 1.53
Beta0.67
Short Percentage of Float3.58%
52-Week Range $29.64 - 53.95
Shares Outstanding (Mil)48.51

Analyst Estimate

Dec16 Dec17 Dec18
Revenue (Mil $) 1,107 1,848 1,938
EPS ($) 2.26 2.76 3.40
EPS w/o NRI ($) 2.26 2.76 3.40
EPS Growth Rate
(3Y to 5Y Estimate)
N/A
Dividends Per Share ($) 0.50 0.55 0.72
» More Articles for FCFS

Headlines

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