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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 : 8/10

vs
industry
vs
history
Cash to Debt 0.35
FCFS's Cash to Debt is ranked higher than
52% of the 300 Companies
in the Global Credit Services industry.

( Industry Median: 0.28 vs. FCFS: 0.35 )
Ranked among companies with meaningful Cash to Debt only.
FCFS' s 10-Year Cash to Debt Range
Min: 0.01   Max: No Debt
Current: 0.35

Equity to Asset 0.64
FCFS's Equity to Asset is ranked higher than
89% of the 300 Companies
in the Global Credit Services industry.

( Industry Median: 0.07 vs. FCFS: 0.64 )
Ranked among companies with meaningful Equity to Asset only.
FCFS' s 10-Year Equity to Asset Range
Min: 0.38   Max: 0.91
Current: 0.64

0.38
0.91
Interest Coverage 9.60
FCFS's Interest Coverage is ranked higher than
71% of the 300 Companies
in the Global Credit Services industry.

( Industry Median: 0.43 vs. FCFS: 9.60 )
Ranked among companies with meaningful Interest Coverage only.
FCFS' s 10-Year Interest Coverage Range
Min: 2.1   Max: 9999.99
Current: 9.6

2.1
9999.99
F-Score: 6
Z-Score: 6.37
M-Score: -2.62
WACC vs ROIC
13.05%
15.10%
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 : 8/10

vs
industry
vs
history
Operating margin (%) 17.23
FCFS's Operating margin (%) is ranked higher than
56% of the 300 Companies
in the Global Credit Services industry.

( Industry Median: 13.25 vs. FCFS: 17.23 )
Ranked among companies with meaningful Operating margin (%) only.
FCFS' s 10-Year Operating margin (%) Range
Min: 11.57   Max: 20.76
Current: 17.23

11.57
20.76
Net-margin (%) 11.02
FCFS's Net-margin (%) is ranked higher than
51% of the 300 Companies
in the Global Credit Services industry.

( Industry Median: 10.39 vs. FCFS: 11.02 )
Ranked among companies with meaningful Net-margin (%) only.
FCFS' s 10-Year Net-margin (%) Range
Min: -6.72   Max: 14.92
Current: 11.02

-6.72
14.92
ROE (%) 17.96
FCFS's ROE (%) is ranked higher than
78% of the 300 Companies
in the Global Credit Services industry.

( Industry Median: 4.83 vs. FCFS: 17.96 )
Ranked among companies with meaningful ROE (%) only.
FCFS' s 10-Year ROE (%) Range
Min: -12.11   Max: 27.13
Current: 17.96

-12.11
27.13
ROA (%) 11.30
FCFS's ROA (%) is ranked higher than
91% of the 300 Companies
in the Global Credit Services industry.

( Industry Median: 1.44 vs. FCFS: 11.30 )
Ranked among companies with meaningful ROA (%) only.
FCFS' s 10-Year ROA (%) Range
Min: -7.73   Max: 22.24
Current: 11.3

-7.73
22.24
ROC (Joel Greenblatt) (%) 40.87
FCFS's ROC (Joel Greenblatt) (%) is ranked higher than
72% of the 300 Companies
in the Global Credit Services industry.

( Industry Median: 7.10 vs. FCFS: 40.87 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
FCFS' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 23.19   Max: 63.6
Current: 40.87

23.19
63.6
Revenue Growth (3Y)(%) 14.00
FCFS's Revenue Growth (3Y)(%) is ranked higher than
81% of the 300 Companies
in the Global Credit Services industry.

( Industry Median: -23.70 vs. FCFS: 14.00 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
FCFS' s 10-Year Revenue Growth (3Y)(%) Range
Min: -0.6   Max: 20.9
Current: 14

-0.6
20.9
EBITDA Growth (3Y)(%) 10.30
FCFS's EBITDA Growth (3Y)(%) is ranked higher than
83% of the 300 Companies
in the Global Credit Services industry.

( Industry Median: 0.00 vs. FCFS: 10.30 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
FCFS' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 2.6   Max: 24.4
Current: 10.3

2.6
24.4
EPS Growth (3Y)(%) 9.50
FCFS's EPS Growth (3Y)(%) is ranked higher than
78% of the 300 Companies
in the Global Credit Services industry.

( Industry Median: 0.00 vs. FCFS: 9.50 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
FCFS' s 10-Year EPS Growth (3Y)(%) Range
Min: 9.5   Max: 32.6
Current: 9.5

9.5
32.6
» FCFS's 10-Y Financials

Financials


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

» Details

Guru Trades

Q2 2014

FCFS Guru Trades in Q2 2014

Joel Greenblatt 32,744 sh (-0.79%)
Jim Simons 3,800 sh (-71.85%)
» More
Q3 2014

FCFS Guru Trades in Q3 2014

Jim Simons Sold Out
Joel Greenblatt 25,817 sh (-21.16%)
» More
Q4 2014

FCFS Guru Trades in Q4 2014

Joel Greenblatt Sold Out
» More
Q1 2015

FCFS Guru Trades in Q1 2015

Jim Simons 254,472 sh (New)
Joel Greenblatt 15,230 sh (New)
» More
» Details

Insider Trades

Latest Guru Trades with FCFS

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Ratios

vs
industry
vs
history
P/E(ttm) 17.30
FCFS's P/E(ttm) is ranked higher than
60% of the 300 Companies
in the Global Credit Services industry.

( Industry Median: 23.60 vs. FCFS: 17.30 )
Ranked among companies with meaningful P/E(ttm) only.
FCFS' s 10-Year P/E(ttm) Range
Min: 7.86   Max: 26.49
Current: 17.3

7.86
26.49
Forward P/E 13.68
FCFS's Forward P/E is ranked higher than
74% of the 300 Companies
in the Global Credit Services industry.

( Industry Median: 0.00 vs. FCFS: 13.68 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 17.10
FCFS's PE(NRI) is ranked higher than
65% of the 300 Companies
in the Global Credit Services industry.

( Industry Median: 31.80 vs. FCFS: 17.10 )
Ranked among companies with meaningful PE(NRI) only.
FCFS' s 10-Year PE(NRI) Range
Min: 7.94   Max: 26.49
Current: 17.1

7.94
26.49
P/B 2.90
FCFS's P/B is ranked lower than
77% of the 266 Companies
in the Global Credit Services industry.

( Industry Median: 0.00 vs. FCFS: 2.90 )
Ranked among companies with meaningful P/B only.
FCFS' s 10-Year P/B Range
Min: 1.22   Max: 5.14
Current: 2.9

1.22
5.14
P/S 1.90
FCFS's P/S is ranked higher than
65% of the 300 Companies
in the Global Credit Services industry.

( Industry Median: 2.71 vs. FCFS: 1.90 )
Ranked among companies with meaningful P/S only.
FCFS' s 10-Year P/S Range
Min: 0.72   Max: 3.52
Current: 1.9

0.72
3.52
PFCF 17.80
FCFS's PFCF is ranked higher than
77% of the 300 Companies
in the Global Credit Services industry.

( Industry Median: 0.00 vs. FCFS: 17.80 )
Ranked among companies with meaningful PFCF only.
FCFS' s 10-Year PFCF Range
Min: 7.48   Max: 170.53
Current: 17.8

7.48
170.53
POCF 13.69
FCFS's POCF is ranked higher than
76% of the 300 Companies
in the Global Credit Services industry.

( Industry Median: 0.00 vs. FCFS: 13.69 )
Ranked among companies with meaningful POCF only.
FCFS' s 10-Year POCF Range
Min: 5.8   Max: 68.92
Current: 13.69

5.8
68.92
EV-to-EBIT 11.87
FCFS's EV-to-EBIT is ranked higher than
86% of the 300 Companies
in the Global Credit Services industry.

( Industry Median: 47.89 vs. FCFS: 11.87 )
Ranked among companies with meaningful EV-to-EBIT only.
FCFS' s 10-Year EV-to-EBIT Range
Min: 5.4   Max: 20.3
Current: 11.87

5.4
20.3
PEG 1.16
FCFS's PEG is ranked higher than
89% of the 300 Companies
in the Global Credit Services industry.

( Industry Median: 0.00 vs. FCFS: 1.16 )
Ranked among companies with meaningful PEG only.
FCFS' s 10-Year PEG Range
Min: 0.38   Max: 1.53
Current: 1.16

0.38
1.53
Shiller P/E 18.80
FCFS's Shiller P/E is ranked higher than
75% of the 300 Companies
in the Global Credit Services industry.

( Industry Median: 0.00 vs. FCFS: 18.80 )
Ranked among companies with meaningful Shiller P/E only.
FCFS' s 10-Year Shiller P/E Range
Min: 9.73   Max: 42.41
Current: 18.8

9.73
42.41
Current Ratio 7.19
FCFS's Current Ratio is ranked higher than
94% of the 300 Companies
in the Global Credit Services industry.

( Industry Median: 0.00 vs. FCFS: 7.19 )
Ranked among companies with meaningful Current Ratio only.
FCFS' s 10-Year Current Ratio Range
Min: 1.2   Max: 11.28
Current: 7.19

1.2
11.28
Quick Ratio 5.21
FCFS's Quick Ratio is ranked higher than
91% of the 300 Companies
in the Global Credit Services industry.

( Industry Median: 0.00 vs. FCFS: 5.21 )
Ranked among companies with meaningful Quick Ratio only.
FCFS' s 10-Year Quick Ratio Range
Min: 0.9   Max: 8.77
Current: 5.21

0.9
8.77
Days Inventory 96.68
FCFS's Days Inventory is ranked higher than
91% of the 300 Companies
in the Global Credit Services industry.

( Industry Median: 0.00 vs. FCFS: 96.68 )
Ranked among companies with meaningful Days Inventory only.
FCFS' s 10-Year Days Inventory Range
Min: 65.53   Max: 114.91
Current: 96.68

65.53
114.91
Days Sales Outstanding 66.75
FCFS's Days Sales Outstanding is ranked higher than
63% of the 300 Companies
in the Global Credit Services industry.

( Industry Median: 447.40 vs. FCFS: 66.75 )
Ranked among companies with meaningful Days Sales Outstanding only.
FCFS' s 10-Year Days Sales Outstanding Range
Min: 17.29   Max: 129.91
Current: 66.75

17.29
129.91

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 7.70
FCFS's Price/Tangible Book is ranked lower than
94% of the 266 Companies
in the Global Credit Services industry.

( Industry Median: 1.50 vs. FCFS: 7.70 )
Ranked among companies with meaningful Price/Tangible Book only.
FCFS' s 10-Year Price/Tangible Book Range
Min: 1.63   Max: 15.66
Current: 7.7

1.63
15.66
Price/DCF (Projected) 1.00
FCFS's Price/DCF (Projected) is ranked higher than
83% of the 300 Companies
in the Global Credit Services industry.

( Industry Median: 0.00 vs. FCFS: 1.00 )
Ranked among companies with meaningful Price/DCF (Projected) only.
FCFS' s 10-Year Price/DCF (Projected) Range
Min: 0.32   Max: 3.53
Current: 1

0.32
3.53
Price/Median PS Value 0.80
FCFS's Price/Median PS Value is ranked higher than
81% of the 300 Companies
in the Global Credit Services industry.

( Industry Median: 1.60 vs. FCFS: 0.80 )
Ranked among companies with meaningful Price/Median PS Value only.
FCFS' s 10-Year Price/Median PS Value Range
Min: 0.08   Max: 1.54
Current: 0.8

0.08
1.54
Price/Peter Lynch Fair Value 1.30
FCFS's Price/Peter Lynch Fair Value is ranked higher than
92% of the 300 Companies
in the Global Credit Services industry.

( Industry Median: 0.00 vs. FCFS: 1.30 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
FCFS' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.5   Max: 2.49
Current: 1.3

0.5
2.49
Price/Graham Number 2.40
FCFS's Price/Graham Number is ranked lower than
51% of the 300 Companies
in the Global Credit Services industry.

( Industry Median: 2.10 vs. FCFS: 2.40 )
Ranked among companies with meaningful Price/Graham Number only.
FCFS' s 10-Year Price/Graham Number Range
Min: 0.5   Max: 11.82
Current: 2.4

0.5
11.82
Earnings Yield (Greenblatt) 8.50
FCFS's Earnings Yield (Greenblatt) is ranked higher than
85% of the 300 Companies
in the Global Credit Services industry.

( Industry Median: 2.50 vs. FCFS: 8.50 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) only.
FCFS' s 10-Year Earnings Yield (Greenblatt) Range
Min: 4.9   Max: 18.5
Current: 8.5

4.9
18.5
Forward Rate of Return (Yacktman) 18.20
FCFS's Forward Rate of Return (Yacktman) is ranked higher than
93% of the 300 Companies
in the Global Credit Services industry.

( Industry Median: 0.00 vs. FCFS: 18.20 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) only.
FCFS' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 18   Max: 29.9
Current: 18.2

18
29.9

Business Description

Industry: Credit Services » Credit Services
Compare:V, MA, TCAP, DFS, COF » details
Traded in other countries:FF6.Germany, FCFS.Mexico,
First Cash Financial Services Inc was formed as a Texas corporation in July 1988 and in April 1991, the Company reincorporated as a Delaware corporation. The Company is an operator of retail-based pawn stores in the United States and Mexico. It also operates a small number of stand-alone consumer finance stores in Texas and Mexico. Pawn stores are neighborhood-based retail stores that buy and sell popular consumer items such as consumer electronics, jewelry, power tools, appliances, sporting goods and musical instruments. It also provides a quick and convenient source of small consumer loans to unbanked, under-banked and credit-challenged customers. The Company had 906 locations, consisting of 309 stores across 12 U.S. states and 597 stores across 26 states in Mexico. It manages its pawn and consumer loan operations under three operating segments; U.S. pawn operations, U.S. consumer loan operations and Mexico operations. Additionally, all three segments offer similar and overlapping products and services to a similar customer demographic, operate in similar regulatory environments, and are supported by a single, centralized administrative support platform. The Company's pawn business competes with other pawn store operators, other specialty consumer finance operators, rent-to-own stores and specialty consumer goods retailers. It also competes with financial institutions, such as banks and consumer finance companies, which generally lend on an unsecured as well as a secured basis. The Company is subject to regulation of its pawn stores, credit services, consumer loan and check cashing operations in all of the jurisdictions in which it operates.
» More Articles for FCFS

Headlines

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