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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 0.48
FCFS's Cash to Debt is ranked higher than
82% of the 125 Companies
in the Global Credit Services industry.

( Industry Median: 0.12 vs. FCFS: 0.48 )
FCFS' s 10-Year Cash to Debt Range
Min: 0.01   Max: No Debt
Current: 0.48

Equity to Asset 0.64
FCFS's Equity to Asset is ranked higher than
95% of the 134 Companies
in the Global Credit Services industry.

( Industry Median: 0.21 vs. FCFS: 0.64 )
FCFS' s 10-Year Equity to Asset Range
Min: 0.38   Max: 0.91
Current: 0.64

0.38
0.91
Interest Coverage 34.42
FCFS's Interest Coverage is ranked higher than
90% of the 103 Companies
in the Global Credit Services industry.

( Industry Median: 3.44 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: 6.90
M-Score: -2.79
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 : 9/10

vs
industry
vs
history
Operating margin (%) 18.19
FCFS's Operating margin (%) is ranked higher than
59% of the 130 Companies
in the Global Credit Services industry.

( Industry Median: 25.65 vs. FCFS: 18.19 )
FCFS' s 10-Year Operating margin (%) Range
Min: 11.57   Max: 20.77
Current: 18.19

11.57
20.77
Net-margin (%) 12.69
FCFS's Net-margin (%) is ranked higher than
62% of the 136 Companies
in the Global Credit Services industry.

( Industry Median: 16.33 vs. FCFS: 12.69 )
FCFS' s 10-Year Net-margin (%) Range
Min: -6.72   Max: 15.01
Current: 12.69

-6.72
15.01
ROE (%) 20.24
FCFS's ROE (%) is ranked higher than
85% of the 137 Companies
in the Global Credit Services industry.

( Industry Median: 13.17 vs. FCFS: 20.24 )
FCFS' s 10-Year ROE (%) Range
Min: -13.94   Max: 24.66
Current: 20.24

-13.94
24.66
ROA (%) 12.72
FCFS's ROA (%) is ranked higher than
97% of the 138 Companies
in the Global Credit Services industry.

( Industry Median: 2.80 vs. FCFS: 12.72 )
FCFS' s 10-Year ROA (%) Range
Min: -8.12   Max: 21.78
Current: 12.72

-8.12
21.78
ROC (Joel Greenblatt) (%) 42.58
FCFS's ROC (Joel Greenblatt) (%) is ranked higher than
70% of the 129 Companies
in the Global Credit Services industry.

( Industry Median: 33.33 vs. FCFS: 42.58 )
FCFS' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 16.54   Max: 60.42
Current: 42.58

16.54
60.42
Revenue Growth (%) 18.10
FCFS's Revenue Growth (%) is ranked higher than
87% of the 122 Companies
in the Global Credit Services industry.

( Industry Median: 7.20 vs. FCFS: 18.10 )
FCFS' s 10-Year Revenue Growth (%) Range
Min: -0.6   Max: 20.9
Current: 18.1

-0.6
20.9
EBITDA Growth (%) 17.20
FCFS's EBITDA Growth (%) is ranked higher than
79% of the 100 Companies
in the Global Credit Services industry.

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

2.6
24.4
EPS Growth (%) 20.10
FCFS's EPS Growth (%) is ranked higher than
78% of the 96 Companies
in the Global Credit Services industry.

( Industry Median: 18.20 vs. FCFS: 20.10 )
FCFS' s 10-Year EPS Growth (%) 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

Q2 2013

FCFS Guru Trades in Q2 2013

Jeremy Grantham Sold Out
Pioneer Investments Sold Out
Jim Simons 106,772 sh (-18.8%)
» More
Q3 2013

FCFS Guru Trades in Q3 2013

Jim Simons 41,000 sh (-61.6%)
» More
Q4 2013

FCFS Guru Trades in Q4 2013

Joel Greenblatt 14,570 sh (New)
Jim Simons 25,600 sh (-37.56%)
» More
Q1 2014

FCFS Guru Trades in Q1 2014

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

Insider Trades

Latest Guru Trades with FCFS

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Joel Greenblatt 2014-03-31 Add 126.52%0.01%$47.98 - $63.11 $ 56.34%33004
Joel Greenblatt 2013-12-31 New Buy0.02%$56.38 - $63.58 $ 56.3-7%14570
Premium More recent guru trades are included for Premium Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 19.30
FCFS's P/E(ttm) is ranked higher than
62% of the 147 Companies
in the Global Credit Services industry.

( Industry Median: 14.70 vs. FCFS: 19.30 )
FCFS' s 10-Year P/E(ttm) Range
Min: 7.86   Max: 26.49
Current: 19.3

7.86
26.49
P/B 3.70
FCFS's P/B is ranked higher than
52% of the 147 Companies
in the Global Credit Services industry.

( Industry Median: 1.65 vs. FCFS: 3.70 )
FCFS' s 10-Year P/B Range
Min: 1.22   Max: 5.14
Current: 3.7

1.22
5.14
P/S 2.50
FCFS's P/S is ranked higher than
73% of the 147 Companies
in the Global Credit Services industry.

( Industry Median: 2.62 vs. FCFS: 2.50 )
FCFS' s 10-Year P/S Range
Min: 0.72   Max: 3.52
Current: 2.5

0.72
3.52
PFCF 20.70
FCFS's PFCF is ranked higher than
72% of the 147 Companies
in the Global Credit Services industry.

( Industry Median: 30.67 vs. FCFS: 20.70 )
FCFS' s 10-Year PFCF Range
Min: 7.48   Max: 170.53
Current: 20.7

7.48
170.53
EV-to-EBIT 14.50
FCFS's EV-to-EBIT is ranked higher than
81% of the 147 Companies
in the Global Credit Services industry.

( Industry Median: 21.17 vs. FCFS: 14.50 )
FCFS' s 10-Year EV-to-EBIT Range
Min: 5.4   Max: 20.3
Current: 14.5

5.4
20.3
PEG 1.00
FCFS's PEG is ranked higher than
82% of the 147 Companies
in the Global Credit Services industry.

( Industry Median: 2.24 vs. FCFS: 1.00 )
FCFS' s 10-Year PEG Range
Min: 0.38   Max: 1.92
Current: 1

0.38
1.92
Shiller P/E 28.60
FCFS's Shiller P/E is ranked higher than
71% of the 147 Companies
in the Global Credit Services industry.

( Industry Median: 26.52 vs. FCFS: 28.60 )
FCFS' s 10-Year Shiller P/E Range
Min: 9.73   Max: 42.41
Current: 28.6

9.73
42.41
Current Ratio 7.56
FCFS's Current Ratio is ranked higher than
95% of the 84 Companies
in the Global Credit Services industry.

( Industry Median: 2.05 vs. FCFS: 7.56 )
FCFS' s 10-Year Current Ratio Range
Min: 1.2   Max: 13.91
Current: 7.56

1.2
13.91
Quick Ratio 5.78
FCFS's Quick Ratio is ranked higher than
93% of the 84 Companies
in the Global Credit Services industry.

( Industry Median: 2.05 vs. FCFS: 5.78 )
FCFS' s 10-Year Quick Ratio Range
Min: 0.9   Max: 8.77
Current: 5.78

0.9
8.77

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 8.90
FCFS's Price/Tangible Book is ranked higher than
51% of the 147 Companies
in the Global Credit Services industry.

( Industry Median: 2.07 vs. FCFS: 8.90 )
FCFS' s 10-Year Price/Tangible Book Range
Min: 1.63   Max: 224.5
Current: 8.9

1.63
224.5
Price/DCF (Projected) 1.30
FCFS's Price/DCF (Projected) is ranked higher than
77% of the 147 Companies
in the Global Credit Services industry.

( Industry Median: 3.03 vs. FCFS: 1.30 )
FCFS' s 10-Year Price/DCF (Projected) Range
Min: 0.32   Max: 3.53
Current: 1.3

0.32
3.53
Price/Median PS Value 1.10
FCFS's Price/Median PS Value is ranked higher than
79% of the 147 Companies
in the Global Credit Services industry.

( Industry Median: 1.31 vs. FCFS: 1.10 )
FCFS' s 10-Year Price/Median PS Value Range
Min: 0.08   Max: 1.53
Current: 1.1

0.08
1.53
Price/Peter Lynch Fair Value 1.00
FCFS's Price/Peter Lynch Fair Value is ranked higher than
84% of the 147 Companies
in the Global Credit Services industry.

( Industry Median: 9999.00 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 2.70
FCFS's Price/Graham Number is ranked higher than
56% of the 147 Companies
in the Global Credit Services industry.

( Industry Median: 1.23 vs. FCFS: 2.70 )
FCFS' s 10-Year Price/Graham Number Range
Min: 0.5   Max: 11.82
Current: 2.7

0.5
11.82
Earnings Yield (Greenblatt) 6.80
FCFS's Earnings Yield (Greenblatt) is ranked higher than
77% of the 134 Companies
in the Global Credit Services industry.

( Industry Median: 5.70 vs. FCFS: 6.80 )
FCFS' s 10-Year Earnings Yield (Greenblatt) Range
Min: 4.9   Max: 18.5
Current: 6.8

4.9
18.5
Forward Rate of Return (Yacktman) 21.68
FCFS's Forward Rate of Return (Yacktman) is ranked higher than
78% of the 122 Companies
in the Global Credit Services industry.

( Industry Median: 13.01 vs. FCFS: 21.68 )
FCFS' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 15   Max: 30.3
Current: 21.68

15
30.3

Business Description

Industry: Credit Services » Credit Services
Compare:V, MA, TCAP, DFS, COF » details
Traded in other countries:FF6.Germany
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. It is an operator of pawn and consumer finance stores in the United States and Mexico. Pawnshops are retail-based operations which buy and sell popular consumer items such as jewelry, consumer electronics, power tools, musical instruments and sporting goods. Pawnshops also provide a quick and convenient source of small customer loans to unbanked, underbanked and credit-challenged customers. As of February 18, 2013 the Company had approximately 829 locations in tweleve U.S. states and 24 states in Mexico. The Company is subject to extensive regulation of its pawnshop, credit services, consumer loan and check cashing operations in most jurisdictions in which it operates.
» More Articles for FCFS

Headlines

Articles On GuruFocus.com
Stocks Near Their 52-Week Low (Part 1) Apr 04 2014 
A Diversified Financial Services Company – Brian Rogers Sold Out Jan 20 2014 
comment on FCFS May 11 2013 
Weekly CFO Sells Highlight: MAT, CAG, ZNGA, JCI, FCFS Feb 18 2013 
First Cash Financial Services – Fundamental Stock Research Analysis Jan 18 2013 
comment on FCFS Jan 03 2013 
recession proof/buff Jan 03 2013 
The Newly Rebalanced Buffett-Munger Portfolio Jan 02 2013 
Most Market Value Returns of the Buffett-Munger Model Portfolio Dec 26 2012 
comment on FCFS Nov 19 2012 

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First Cash Financial Does Enough To Get By Jul 18 2014
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First Cash (FCFS) is Overbought: Is A Drop Coming? Jun 10 2014
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FIRST CASH FINANCIAL SERVICES INC Financials May 01 2014
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First Cash Announces Pricing of $200 Million Offering of Senior Notes Mar 19 2014

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