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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 : 8/10

vs
industry
vs
history
Cash to Debt 0.34
FCFS's Cash to Debt is ranked lower than
59% of the 288 Companies
in the Global Credit Services industry.

( Industry Median: 0.87 vs. FCFS: 0.34 )
Ranked among companies with meaningful Cash to Debt only.
FCFS' s Cash to Debt Range Over the Past 10 Years
Min: 0.02  Med: 0.37 Max: No Debt
Current: 0.34
Equity to Asset 0.57
FCFS's Equity to Asset is ranked higher than
61% of the 299 Companies
in the Global Credit Services industry.

( Industry Median: 0.47 vs. FCFS: 0.57 )
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: 0.57
0.38
0.91
Interest Coverage 6.33
FCFS's Interest Coverage is ranked higher than
52% of the 242 Companies
in the Global Credit Services industry.

( Industry Median: 5.10 vs. FCFS: 6.33 )
Ranked among companies with meaningful Interest Coverage only.
FCFS' s Interest Coverage Range Over the Past 10 Years
Min: 9.6  Med: 84.47 Max: 9999.99
Current: 6.33
9.6
9999.99
F-Score: 5
Z-Score: 5.06
M-Score: -2.68
WACC vs ROIC
7.50%
12.08%
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 (%) 15.18
FCFS's Operating margin (%) is ranked lower than
55% of the 307 Companies
in the Global Credit Services industry.

( Industry Median: 18.28 vs. FCFS: 15.18 )
Ranked among companies with meaningful Operating margin (%) only.
FCFS' s Operating margin (%) Range Over the Past 10 Years
Min: 17.12  Med: 18.25 Max: 20.86
Current: 15.18
17.12
20.86
Net-margin (%) 8.62
FCFS's Net-margin (%) is ranked lower than
61% of the 309 Companies
in the Global Credit Services industry.

( Industry Median: 14.47 vs. FCFS: 8.62 )
Ranked among companies with meaningful Net-margin (%) only.
FCFS' s Net-margin (%) Range Over the Past 10 Years
Min: -6.72  Med: 13.03 Max: 15.13
Current: 8.62
-6.72
15.13
ROE (%) 13.66
FCFS's ROE (%) is ranked higher than
72% of the 303 Companies
in the Global Credit Services industry.

( Industry Median: 6.61 vs. FCFS: 13.66 )
Ranked among companies with meaningful ROE (%) only.
FCFS' s ROE (%) Range Over the Past 10 Years
Min: -12.11  Med: 20.81 Max: 27.13
Current: 13.66
-12.11
27.13
ROA (%) 8.24
FCFS's ROA (%) is ranked higher than
85% of the 320 Companies
in the Global Credit Services industry.

( Industry Median: 2.19 vs. FCFS: 8.24 )
Ranked among companies with meaningful ROA (%) only.
FCFS' s ROA (%) Range Over the Past 10 Years
Min: -7.73  Med: 14.88 Max: 22.24
Current: 8.24
-7.73
22.24
ROC (Joel Greenblatt) (%) 33.82
FCFS's ROC (Joel Greenblatt) (%) is ranked higher than
70% of the 247 Companies
in the Global Credit Services industry.

( Industry Median: 11.57 vs. FCFS: 33.82 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
FCFS' s ROC (Joel Greenblatt) (%) Range Over the Past 10 Years
Min: 36.85  Med: 47.22 Max: 63.02
Current: 33.82
36.85
63.02
Revenue Growth (3Y)(%) 14.50
FCFS's Revenue Growth (3Y)(%) is ranked higher than
71% of the 221 Companies
in the Global Credit Services industry.

( Industry Median: 3.90 vs. FCFS: 14.50 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
FCFS' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -0.6  Med: 14.95 Max: 20.9
Current: 14.5
-0.6
20.9
EBITDA Growth (3Y)(%) 10.70
FCFS's EBITDA Growth (3Y)(%) is ranked higher than
52% of the 194 Companies
in the Global Credit Services industry.

( Industry Median: 9.10 vs. FCFS: 10.70 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
FCFS' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: 2.6  Med: 17.35 Max: 24.4
Current: 10.7
2.6
24.4
EPS Growth (3Y)(%) 9.70
FCFS's EPS Growth (3Y)(%) is ranked higher than
54% of the 198 Companies
in the Global Credit Services industry.

( Industry Median: 8.20 vs. FCFS: 9.70 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
FCFS' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: 9.7  Med: 21.25 Max: 32.2
Current: 9.7
9.7
32.2
» FCFS's 10-Y Financials

Financials


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

» Details

Guru Trades

Q1 2015

FCFS Guru Trades in Q1 2015

Joel Greenblatt 15,230 sh (New)
Jim Simons 254,472 sh (New)
» More
Q2 2015

FCFS Guru Trades in Q2 2015

Jim Simons 243,072 sh (-4.48%)
Joel Greenblatt 13,318 sh (-12.55%)
» More
Q3 2015

FCFS Guru Trades in Q3 2015

Joel Greenblatt Sold Out
Jim Simons 46,500 sh (-80.87%)
» More
Q4 2015

FCFS Guru Trades in Q4 2015

Jim Simons 78,600 sh (+69.03%)
» 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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» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 15.64
FCFS's P/E(ttm) is ranked lower than
58% of the 315 Companies
in the Global Credit Services industry.

( Industry Median: 13.79 vs. FCFS: 15.64 )
Ranked among companies with meaningful P/E(ttm) only.
FCFS' s P/E(ttm) Range Over the Past 10 Years
Min: 7.78  Med: 17.78 Max: 26.49
Current: 15.64
7.78
26.49
Forward P/E 13.68
FCFS's Forward P/E is ranked lower than
64% of the 138 Companies
in the Global Credit Services industry.

( Industry Median: 9.94 vs. FCFS: 13.68 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 15.64
FCFS's PE(NRI) is ranked lower than
58% of the 233 Companies
in the Global Credit Services industry.

( Industry Median: 13.40 vs. FCFS: 15.64 )
Ranked among companies with meaningful PE(NRI) only.
FCFS' s PE(NRI) Range Over the Past 10 Years
Min: 7.94  Med: 18.14 Max: 29.4
Current: 15.64
7.94
29.4
P/B 2.41
FCFS's P/B is ranked lower than
75% of the 387 Companies
in the Global Credit Services industry.

( Industry Median: 1.07 vs. FCFS: 2.41 )
Ranked among companies with meaningful P/B only.
FCFS' s P/B Range Over the Past 10 Years
Min: 1.22  Med: 3.35 Max: 5.14
Current: 2.41
1.22
5.14
P/S 1.49
FCFS's P/S is ranked higher than
74% of the 414 Companies
in the Global Credit Services industry.

( Industry Median: 2.67 vs. FCFS: 1.49 )
Ranked among companies with meaningful P/S only.
FCFS' s P/S Range Over the Past 10 Years
Min: 0.72  Med: 2.27 Max: 3.53
Current: 1.49
0.72
3.53
PFCF 14.90
FCFS's PFCF is ranked lower than
58% of the 113 Companies
in the Global Credit Services industry.

( Industry Median: 11.04 vs. FCFS: 14.90 )
Ranked among companies with meaningful PFCF only.
FCFS' s PFCF Range Over the Past 10 Years
Min: 7.49  Med: 20.30 Max: 170.53
Current: 14.9
7.49
170.53
POCF 11.44
FCFS's POCF is ranked lower than
56% of the 142 Companies
in the Global Credit Services industry.

( Industry Median: 10.06 vs. FCFS: 11.44 )
Ranked among companies with meaningful POCF only.
FCFS' s POCF Range Over the Past 10 Years
Min: 5.83  Med: 14.65 Max: 68.92
Current: 11.44
5.83
68.92
EV-to-EBIT 10.88
FCFS's EV-to-EBIT is ranked higher than
66% of the 319 Companies
in the Global Credit Services industry.

( Industry Median: 17.28 vs. FCFS: 10.88 )
Ranked among companies with meaningful EV-to-EBIT only.
FCFS' s EV-to-EBIT Range Over the Past 10 Years
Min: 5.4  Med: 12.10 Max: 20.5
Current: 10.88
5.4
20.5
EV-to-EBITDA 9.40
FCFS's EV-to-EBITDA is ranked higher than
64% of the 323 Companies
in the Global Credit Services industry.

( Industry Median: 15.06 vs. FCFS: 9.40 )
Ranked among companies with meaningful EV-to-EBITDA only.
FCFS' s EV-to-EBITDA Range Over the Past 10 Years
Min: 4.4  Med: 10.50 Max: 17.2
Current: 9.4
4.4
17.2
PEG 1.03
FCFS's PEG is ranked lower than
67% of the 78 Companies
in the Global Credit Services industry.

( Industry Median: 0.59 vs. FCFS: 1.03 )
Ranked among companies with meaningful PEG only.
FCFS' s PEG Range Over the Past 10 Years
Min: 0.38  Med: 1.03 Max: 1.82
Current: 1.03
0.38
1.82
Shiller P/E 20.24
FCFS's Shiller P/E is ranked lower than
65% of the 40 Companies
in the Global Credit Services industry.

( Industry Median: 12.71 vs. FCFS: 20.24 )
Ranked among companies with meaningful Shiller P/E only.
FCFS' s Shiller P/E Range Over the Past 10 Years
Min: 13.19  Med: 36.00 Max: 58
Current: 20.24
13.19
58
Current Ratio 7.04
FCFS's Current Ratio is ranked higher than
67% of the 229 Companies
in the Global Credit Services industry.

( Industry Median: 2.76 vs. FCFS: 7.04 )
Ranked among companies with meaningful Current Ratio only.
FCFS' s Current Ratio Range Over the Past 10 Years
Min: 1.2  Med: 6.14 Max: 11.07
Current: 7.04
1.2
11.07
Quick Ratio 4.95
FCFS's Quick Ratio is ranked higher than
61% of the 229 Companies
in the Global Credit Services industry.

( Industry Median: 2.70 vs. FCFS: 4.95 )
Ranked among companies with meaningful Quick Ratio only.
FCFS' s Quick Ratio Range Over the Past 10 Years
Min: 0.9  Med: 4.57 Max: 8.77
Current: 4.95
0.9
8.77
Days Inventory 105.60
FCFS's Days Inventory is ranked lower than
63% of the 65 Companies
in the Global Credit Services industry.

( Industry Median: 32.12 vs. FCFS: 105.60 )
Ranked among companies with meaningful Days Inventory only.
FCFS' s Days Inventory Range Over the Past 10 Years
Min: 74.56  Med: 87.44 Max: 104.67
Current: 105.6
74.56
104.67
Days Sales Outstanding 70.00
FCFS's Days Sales Outstanding is ranked lower than
64% of the 153 Companies
in the Global Credit Services industry.

( Industry Median: 31.48 vs. FCFS: 70.00 )
Ranked among companies with meaningful Days Sales Outstanding only.
FCFS' s Days Sales Outstanding Range Over the Past 10 Years
Min: 60.35  Med: 67.66 Max: 100.16
Current: 70
60.35
100.16

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 7.66
FCFS's Price/Tangible Book is ranked lower than
92% of the 347 Companies
in the Global Credit Services industry.

( Industry Median: 1.17 vs. FCFS: 7.66 )
Ranked among companies with meaningful Price/Tangible Book only.
FCFS' s Price/Tangible Book Range Over the Past 10 Years
Min: 1.63  Med: 5.01 Max: 112.5
Current: 7.66
1.63
112.5
Price/Projected FCF 0.77
FCFS's Price/Projected FCF is ranked higher than
53% of the 102 Companies
in the Global Credit Services industry.

( Industry Median: 1.12 vs. FCFS: 0.77 )
Ranked among companies with meaningful Price/Projected FCF only.
FCFS' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.32  Med: 1.17 Max: 3.53
Current: 0.77
0.32
3.53
Price/DCF (Earnings Based) 0.66
FCFS's Price/DCF (Earnings Based) is ranked lower than
70% of the 10 Companies
in the Global Credit Services industry.

( Industry Median: 0.57 vs. FCFS: 0.66 )
Ranked among companies with meaningful Price/DCF (Earnings Based) only.
N/A
Price/Median PS Value 0.66
FCFS's Price/Median PS Value is ranked higher than
70% of the 324 Companies
in the Global Credit Services industry.

( Industry Median: 0.93 vs. FCFS: 0.66 )
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: 0.73 Max: 1.56
Current: 0.66
0.08
1.56
Price/Peter Lynch Fair Value 1.36
FCFS's Price/Peter Lynch Fair Value is ranked lower than
72% of the 47 Companies
in the Global Credit Services industry.

( Industry Median: 0.80 vs. FCFS: 1.36 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
FCFS' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 0.5  Med: 1.10 Max: 2.5
Current: 1.36
0.5
2.5
Price/Graham Number 2.43
FCFS's Price/Graham Number is ranked lower than
81% of the 284 Companies
in the Global Credit Services industry.

( Industry Median: 0.89 vs. FCFS: 2.43 )
Ranked among companies with meaningful Price/Graham Number only.
FCFS' s Price/Graham Number Range Over the Past 10 Years
Min: 0.51  Med: 1.99 Max: 4.5
Current: 2.43
0.51
4.5
Earnings Yield (Greenblatt) (%) 9.23
FCFS's Earnings Yield (Greenblatt) (%) is ranked higher than
74% of the 293 Companies
in the Global Credit Services industry.

( Industry Median: 3.70 vs. FCFS: 9.23 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
FCFS' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 4.9  Med: 8.30 Max: 18.6
Current: 9.23
4.9
18.6
Forward Rate of Return (Yacktman) (%) 17.38
FCFS's Forward Rate of Return (Yacktman) (%) is ranked higher than
66% of the 79 Companies
in the Global Credit Services industry.

( Industry Median: 8.29 vs. FCFS: 17.38 )
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: 16.7  Med: 23.00 Max: 30
Current: 17.38
16.7
30

More Statistics

Revenue(Mil) $705
EPS $ 2.15
Beta0.84
Short Percentage of Float8.27%
52-Week Range $29.64 - 50.98
Shares Outstanding(Mil)27.81

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

Articles On GuruFocus.com
A Recent Spin-Off Down 25% Apr 21 2015 
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First Cash Financial Services – Fundamental Stock Research Analysis Jan 18 2013 
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Most Market Value Returns of the Buffett-Munger Model Portfolio Dec 26 2012 
Buffett-Munger Portfolio Gained 5% Year –to-Date Dec 01 2011 
Buffett-Munger Portfolio Gained 6.3% Year-to-Date Nov 01 2011 
September Model Portfolio Review: Buffett-Munger Portfolio Outperformed 7.6% Year –to-Date Oct 03 2011 

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