Firstcash Holdings, Inc.

Consumer Discretionary
Other Specialty Stores
www.firstcash.com

Earnings Score
Moat Score

Market Cap $4.77B
PE 19
Debt $1.73B
Cash $106.32M
EV $6.40B
FCF $NaN

Earnings

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Sales & Net Margins

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Earnings	$244.86M
EBIT	$324.73M
ROE	12%
ROA	7%
Equity	$2.00B
Growth Stability	69%
PE	19.48
PEG	1.07
PB	2.39
P/S	1.42
Price/Cash	0.02
Debt/Equity	0.87
Net Margins	7%
Gross Margins	48%
Op. Margins	10%
Earnings CAGR	16%
Sales Growth YoY	6%
Sales Growth QoQ	1%
Sales CAGR	15%
FCF CAGR	3%
Equity CAGR	15%
Earnings Stability	0.64
Earnings Growth YoY	13%
Earnings Growth QoQ	32%
Earnings CAGR 5Y	18%

Sales CAGR 5Y	19%
FCF CAGR 5Y	2%
Equity CAGR 5Y	13%
Earnings CAGR 3Y	26%
Sales CAGR 3Y	26%
Equity CAGR 3Y	5%
Market Cap	$4.77B
Revenue	$3.36B
Dividend Yield	1%
Payout Ratio	26%
Assets	$4.39B
Total Debt	$1.73B
Cash	$106.32M
Shares Outstanding	44.75M
EV	6.4B
Earnings Score	88%
Moat Score	87%
Working Capital	1.02B
Current Ratio	4.31
Gross Profit	$1.61B
Shares Growth 3y	-0%
Equity Growth QoQ	1%
Equity Growth YoY	4%

Assets & ROA

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Stockholders Equity & ROE

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FirstCash Holdings Inc, formerly FirstCash Inc Financial Services operates pawn stores in the United States and Latin America. Its primary business involves making small loans secured by personal property. These pawn loans give the borrower the option of either repaying the loans with interest or forfeiting the property without further penalty. Close to 30% of total company revenue comes from interest earned on the loans. Close to 70% of total revenue comes from reselling forfeited property in the company's retail stores. Revenue is split almost equally between loans made in the United States, where the company has more than 300 retail locations, and loans made in Latin America, where the company has over 700 locations in Mexico and several more in Guatemala.

SEC Filings

Direct access to Firstcash Holdings, Inc. (FCFS) Annual Reports (10K) and Quarterly Reports (10Q) from the SEC website.

2024
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31
2023
- 10-K Dec 31
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31
2022
- 10-K Dec 31
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31

Sector Comparison

How does Firstcash Holdings, Inc. compare to its competitors?

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Peter Lynch's Chart

This chart shows the current pricing of Firstcash Holdings, Inc. compared to its past. The addition of the earnings trend line provides further insights into the company's earnings power.

CAGR 16%

Stability 64%

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Firstcash Holdings, Inc. Discounted Cash Flow

Fully customizable DCF calculator online for Firstcash Holdings, Inc..

Years

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	0	1	2	3	4	5	6	7	8	9	10	TV
fcf	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
DCF		$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Value	$0

Competitiveness and MOAT

High margins render the company resilient under dire circumstances, hence able to drive competitors out or acquire them. ROE and ROA measure the average flow generated by each invested dollar. Their marginal value is a forecast of future growth, and it is considered by Buffett and Munger the most important single indicator.

Years	12/2014	12/2015	12/2016	12/2017	12/2018	12/2019	12/2020	12/2021	12/2022	12/2023	TTM
Net Margins	12%	9%	6%	8%	9%	9%	7%	7%	9%	7%	7%
ROA	-	14%	5%	10%	11%	11%	7%	4%	8%	7%	7%
ROE	-	14%	4%	10%	12%	12%	8%	7%	13%	11%	12%

Bad Net Margins (7%)

Net Margins are too low to guarantee profitability in case of higher costs or higher interest rates. Furthermore lower margins cause higher earnings’ volatility.

Safety and Stability

Being debt the number one cause of investment losses and company death, the ratio Debt/FCF is of utmost importance to guarantee safety. On the other hand the Graham’s stability measures the drawdown of earnings, hence indicating the reliability of the flow generated by the company.

Years	12/2014	12/2015	12/2016	12/2017	12/2018	12/2019	12/2020	12/2021	12/2022	12/2023	TTM
Debt over FCF	-	3.6	7.3	2.22	2.86	3.39	3.37	7.22	3.2	4.55	-
Debt over Equity	0.5	0.6	0.32	0.28	0.45	0.47	0.49	0.72	0.74	0.81	0.87
Growth Stability	-	-	-	100%	100%	100%	69%	88%	100%	100%	69%

Neutral Debt/FCF ratio (-)

Net Margins are at a level that is not too high nor too low. They are not a competitive advantage but they are not a competitive disadvantage either.

Good Debt/Equity ratio (0.87)

The company is not overleveraged and has a good balance between equity and debt.

Bad Graham’s Stability (69%)

The company has a bad stability in its earnings, which is a sign of a bad competitive advantage.

Growth

Growth can be dangerous when forecasting, simply projecting the current growth is in general wrong. A company passes through multiple phases, from being young and unprofitable, to the first periods of profitability and high growth, until it arrives at a period of regime with limited growth. Identifying in which phase the company is in may help forecasting.

Years	12/2014	12/2015	12/2016	12/2017	12/2018	12/2019	12/2020	12/2021	12/2022	12/2023	CAGR 5Y
Revenue YoY growth	-	-1%	54%	64%	0%	5%	-13%	4%	61%	15%	19%
Earnings YoY growth	-	-29%	-1%	139%	6%	7%	-35%	17%	103%	-13%	18%
Equity YoY growth	-	-4%	236%	2%	-11%	2%	-5%	41%	4%	6%	13%
FCF YoY growth	-	-3%	-12%	191%	13%	-10%	-1%	-2%	139%	-18%	2%