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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 0.20
FCFS's Cash to Debt is ranked higher than
77% of the 180 Companies
in the Global Credit Services industry.

( Industry Median: 0.19 vs. FCFS: 0.20 )
FCFS' s 10-Year Cash to Debt Range
Min: 0.01   Max: No Debt
Current: 0.2

Equity to Asset 0.61
FCFS's Equity to Asset is ranked higher than
92% of the 183 Companies
in the Global Credit Services industry.

( Industry Median: 0.25 vs. FCFS: 0.61 )
FCFS' s 10-Year Equity to Asset Range
Min: 0.38   Max: 0.91
Current: 0.61

0.38
0.91
Interest Coverage 34.42
FCFS's Interest Coverage is ranked higher than
83% of the 148 Companies
in the Global Credit Services industry.

( Industry Median: 5.27 vs. FCFS: 34.42 )
FCFS' s 10-Year Interest Coverage Range
Min: 1.86   Max: 9999.99
Current: 34.42

1.86
9999.99
F-Score: 5
Z-Score: 6.17
M-Score: -2.53
WACC vs ROIC
14.22%
16.14%
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 (%) 17.66
FCFS's Operating margin (%) is ranked higher than
69% of the 188 Companies
in the Global Credit Services industry.

( Industry Median: 22.50 vs. FCFS: 17.66 )
FCFS' s 10-Year Operating margin (%) Range
Min: 11.57   Max: 20.77
Current: 17.66

11.57
20.77
Net-margin (%) 11.95
FCFS's Net-margin (%) is ranked higher than
70% of the 188 Companies
in the Global Credit Services industry.

( Industry Median: 15.20 vs. FCFS: 11.95 )
FCFS' s 10-Year Net-margin (%) Range
Min: -6.72   Max: 15.01
Current: 11.95

-6.72
15.01
ROE (%) 19.60
FCFS's ROE (%) is ranked higher than
84% of the 187 Companies
in the Global Credit Services industry.

( Industry Median: 12.08 vs. FCFS: 19.60 )
FCFS' s 10-Year ROE (%) Range
Min: -12.11   Max: 27.13
Current: 19.6

-12.11
27.13
ROA (%) 12.31
FCFS's ROA (%) is ranked higher than
96% of the 190 Companies
in the Global Credit Services industry.

( Industry Median: 2.89 vs. FCFS: 12.31 )
FCFS' s 10-Year ROA (%) Range
Min: -7.73   Max: 22.24
Current: 12.31

-7.73
22.24
ROC (Joel Greenblatt) (%) 41.89
FCFS's ROC (Joel Greenblatt) (%) is ranked higher than
80% of the 182 Companies
in the Global Credit Services industry.

( Industry Median: 21.81 vs. FCFS: 41.89 )
FCFS' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 20.85   Max: 63.29
Current: 41.89

20.85
63.29
Revenue Growth (3Y)(%) 18.10
FCFS's Revenue Growth (3Y)(%) is ranked higher than
88% of the 153 Companies
in the Global Credit Services industry.

( Industry Median: 6.70 vs. FCFS: 18.10 )
FCFS' s 10-Year Revenue Growth (3Y)(%) Range
Min: -0.6   Max: 20.9
Current: 18.1

-0.6
20.9
EBITDA Growth (3Y)(%) 17.20
FCFS's EBITDA Growth (3Y)(%) is ranked higher than
78% of the 130 Companies
in the Global Credit Services industry.

( Industry Median: 10.10 vs. FCFS: 17.20 )
FCFS' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 2.6   Max: 24.4
Current: 17.2

2.6
24.4
EPS Growth (3Y)(%) 20.10
FCFS's EPS Growth (3Y)(%) is ranked higher than
68% of the 123 Companies
in the Global Credit Services industry.

( Industry Median: 16.30 vs. FCFS: 20.10 )
FCFS' s 10-Year EPS Growth (3Y)(%) Range
Min: 11.9   Max: 32.6
Current: 20.1

11.9
32.6
» FCFS's 10-Y Financials

Financials


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

» Details

Guru Trades

Q1 2014

FCFS Guru Trades in Q1 2014

Joel Greenblatt 33,004 sh (+126.52%)
Jim Simons 13,500 sh (-47.27%)
» More
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
» 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%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Joel Greenblatt 2014-12-31 Sold Out 0.01%$53.16 - $59.35 $ 47.96-15%0
Joel Greenblatt 2014-09-30 Reduce -21.16%0.01%$54.76 - $59.1 $ 47.96-16%25817
Joel Greenblatt 2014-03-31 Add 126.52%0.01%$47.98 - $63.11 $ 47.96-11%33004
Joel Greenblatt 2013-12-31 New Buy0.02%$56.38 - $63.58 $ 47.96-21%14570
Ken Heebner 2011-12-31 Sold Out 0.16%$34.47 - $44.16 $ 47.9622%0
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 17.00
FCFS's P/E(ttm) is ranked higher than
73% of the 204 Companies
in the Global Credit Services industry.

( Industry Median: 16.40 vs. FCFS: 17.00 )
FCFS' s 10-Year P/E(ttm) Range
Min: 7.86   Max: 26.49
Current: 17

7.86
26.49
Forward P/E 13.83
FCFS's Forward P/E is ranked higher than
78% of the 204 Companies
in the Global Credit Services industry.

( Industry Median: 15.41 vs. FCFS: 13.83 )
N/A
PE(NRI) 16.60
FCFS's PE(NRI) is ranked higher than
72% of the 204 Companies
in the Global Credit Services industry.

( Industry Median: 16.00 vs. FCFS: 16.60 )
FCFS' s 10-Year PE(NRI) Range
Min: 7.94   Max: 26.49
Current: 16.6

7.94
26.49
P/B 3.00
FCFS's P/B is ranked higher than
61% of the 204 Companies
in the Global Credit Services industry.

( Industry Median: 2.13 vs. FCFS: 3.00 )
FCFS' s 10-Year P/B Range
Min: 1.22   Max: 5.14
Current: 3

1.22
5.14
P/S 2.00
FCFS's P/S is ranked higher than
81% of the 204 Companies
in the Global Credit Services industry.

( Industry Median: 2.91 vs. FCFS: 2.00 )
FCFS' s 10-Year P/S Range
Min: 0.72   Max: 3.52
Current: 2

0.72
3.52
PFCF 18.70
FCFS's PFCF is ranked higher than
80% of the 204 Companies
in the Global Credit Services industry.

( Industry Median: 0.00 vs. FCFS: 18.70 )
FCFS' s 10-Year PFCF Range
Min: 7.48   Max: 170.53
Current: 18.7

7.48
170.53
POCF 13.68
FCFS's POCF is ranked higher than
77% of the 204 Companies
in the Global Credit Services industry.

( Industry Median: 22.91 vs. FCFS: 13.68 )
FCFS' s 10-Year POCF Range
Min: 5.8   Max: 68.92
Current: 13.68

5.8
68.92
EV-to-EBIT 12.79
FCFS's EV-to-EBIT is ranked higher than
89% of the 204 Companies
in the Global Credit Services industry.

( Industry Median: 25.54 vs. FCFS: 12.79 )
FCFS' s 10-Year EV-to-EBIT Range
Min: 5.4   Max: 20.3
Current: 12.79

5.4
20.3
PEG 0.99
FCFS's PEG is ranked higher than
92% of the 204 Companies
in the Global Credit Services industry.

( Industry Median: 0.00 vs. FCFS: 0.99 )
FCFS' s 10-Year PEG Range
Min: 0.38   Max: 1.73
Current: 0.99

0.38
1.73
Shiller P/E 19.90
FCFS's Shiller P/E is ranked higher than
81% of the 204 Companies
in the Global Credit Services industry.

( Industry Median: 37.89 vs. FCFS: 19.90 )
FCFS' s 10-Year Shiller P/E Range
Min: 9.85   Max: 42.41
Current: 19.9

9.85
42.41
Current Ratio 6.14
FCFS's Current Ratio is ranked higher than
91% of the 130 Companies
in the Global Credit Services industry.

( Industry Median: 2.05 vs. FCFS: 6.14 )
FCFS' s 10-Year Current Ratio Range
Min: 1.2   Max: 11.28
Current: 6.14

1.2
11.28
Quick Ratio 4.25
FCFS's Quick Ratio is ranked higher than
87% of the 130 Companies
in the Global Credit Services industry.

( Industry Median: 2.04 vs. FCFS: 4.25 )
FCFS' s 10-Year Quick Ratio Range
Min: 0.9   Max: 8.77
Current: 4.25

0.9
8.77
Days Inventory 96.78
FCFS's Days Inventory is ranked higher than
96% of the 204 Companies
in the Global Credit Services industry.

( Industry Median: 0.00 vs. FCFS: 96.78 )
FCFS' s 10-Year Days Inventory Range
Min: 65.53   Max: 114.91
Current: 96.78

65.53
114.91
Days Sales Outstanding 69.99
FCFS's Days Sales Outstanding is ranked higher than
72% of the 204 Companies
in the Global Credit Services industry.

( Industry Median: 63.41 vs. FCFS: 69.99 )
FCFS' s 10-Year Days Sales Outstanding Range
Min: 15.87   Max: 129.91
Current: 69.99

15.87
129.91

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 7.90
FCFS's Price/Tangible Book is ranked higher than
57% of the 204 Companies
in the Global Credit Services industry.

( Industry Median: 2.63 vs. FCFS: 7.90 )
FCFS' s 10-Year Price/Tangible Book Range
Min: 1.63   Max: 15.66
Current: 7.9

1.63
15.66
Price/DCF (Projected) 1.00
FCFS's Price/DCF (Projected) is ranked higher than
84% of the 204 Companies
in the Global Credit Services industry.

( Industry Median: 3.06 vs. FCFS: 1.00 )
FCFS' s 10-Year Price/DCF (Projected) Range
Min: 0.32   Max: 3.53
Current: 1

0.32
3.53
Price/Median PS Value 0.90
FCFS's Price/Median PS Value is ranked higher than
88% of the 204 Companies
in the Global Credit Services industry.

( Industry Median: 1.27 vs. FCFS: 0.90 )
FCFS' s 10-Year Price/Median PS Value Range
Min: 0.08   Max: 1.52
Current: 0.9

0.08
1.52
Price/Peter Lynch Fair Value 1.00
FCFS's Price/Peter Lynch Fair Value is ranked higher than
91% of the 204 Companies
in the Global Credit Services industry.

( Industry Median: 0.00 vs. FCFS: 1.00 )
FCFS' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.5   Max: 2.49
Current: 1

0.5
2.49
Price/Graham Number 2.40
FCFS's Price/Graham Number is ranked higher than
66% of the 204 Companies
in the Global Credit Services industry.

( Industry Median: 1.45 vs. FCFS: 2.40 )
FCFS' s 10-Year Price/Graham Number Range
Min: 0.5   Max: 11.82
Current: 2.4

0.5
11.82
Earnings Yield (Greenblatt) 7.80
FCFS's Earnings Yield (Greenblatt) is ranked higher than
88% of the 189 Companies
in the Global Credit Services industry.

( Industry Median: 4.40 vs. FCFS: 7.80 )
FCFS' s 10-Year Earnings Yield (Greenblatt) Range
Min: 4.9   Max: 18.5
Current: 7.8

4.9
18.5
Forward Rate of Return (Yacktman) 21.24
FCFS's Forward Rate of Return (Yacktman) is ranked higher than
82% of the 117 Companies
in the Global Credit Services industry.

( Industry Median: 16.24 vs. FCFS: 21.24 )
FCFS' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 18.9   Max: 29.9
Current: 21.24

18.9
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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