FCFS
FirstCash·NASDAQ
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6.76 / 10
Outperform
FCFS displays a positive fundamental picture (6.8/10). Key strengths include a healthy Cash-MV difference (-0.2230) and a high Total profit / EBIT ratio (78.52%), both of which rank favorably. However, Asset-MV and Profit-MV weaknesses (values -0.5007 and 0.4795) introduce risk. Year-on-year metrics show solid profit growth (30.67%) but modest revenue growth (3.91%), hinting at operational efficiency without broad top-line expansion. Net and gross margins (8.69% and 50.36%) are adequate for its niche lending business. Overall, the fundamentals are satisfactory but not outstanding, warranting a cautious stance.
Analysis Checks(2/10)
Gross profit margin (%)
Value50.36
Score1/3
Weight3.00%
1M Return0.93%
Value50.36
Score1/3
Weight3.00%
1M Return0.93%
Total profit (YoY growth rate %)
Value30.67
Score1/3
Weight12.10%
1M Return3.41%
Value30.67
Score1/3
Weight12.10%
1M Return3.41%
Total profit / EBIT (%)
Value78.52
Score3/3
Weight38.63%
1M Return10.07%
Value78.52
Score3/3
Weight38.63%
1M Return10.07%
Total assets turnover ratio
Value0.54
Score1/3
Weight11.08%
1M Return3.38%
Value0.54
Score1/3
Weight11.08%
1M Return3.38%
Asset-MV
Value-0.50
Score0/3
Weight-9.60%
1M Return-3.69%
Value-0.50
Score0/3
Weight-9.60%
1M Return-3.69%
Profit-MV
Value0.48
Score0/3
Weight-6.94%
1M Return-2.31%
Value0.48
Score0/3
Weight-6.94%
1M Return-2.31%
Net profit margin (%)
Value8.69
Score1/3
Weight7.49%
1M Return2.35%
Value8.69
Score1/3
Weight7.49%
1M Return2.35%
Operating revenue (YoY growth rate %)
Value3.91
Score0/3
Weight-0.05%
1M Return-0.02%
Value3.91
Score0/3
Weight-0.05%
1M Return-0.02%
EBIT / Total operating revenue (%)
Value14.91
Score1/3
Weight3.76%
1M Return1.22%
Value14.91
Score1/3
Weight3.76%
1M Return1.22%
Cash-MV
Value-0.22
Score3/3
Weight40.53%
1M Return9.88%
Value-0.22
Score3/3
Weight40.53%
1M Return9.88%
Gross profit margin (%)
Value50.36
Score1/3
Weight3.00%
1M Return0.93%
Value50.36
Score1/3
Weight3.00%
1M Return0.93%
Profit-MV
Value0.48
Score0/3
Weight-6.94%
1M Return-2.31%
Value0.48
Score0/3
Weight-6.94%
1M Return-2.31%
Total profit (YoY growth rate %)
Value30.67
Score1/3
Weight12.10%
1M Return3.41%
Value30.67
Score1/3
Weight12.10%
1M Return3.41%
Net profit margin (%)
Value8.69
Score1/3
Weight7.49%
1M Return2.35%
Value8.69
Score1/3
Weight7.49%
1M Return2.35%
Total profit / EBIT (%)
Value78.52
Score3/3
Weight38.63%
1M Return10.07%
Value78.52
Score3/3
Weight38.63%
1M Return10.07%
Operating revenue (YoY growth rate %)
Value3.91
Score0/3
Weight-0.05%
1M Return-0.02%
Value3.91
Score0/3
Weight-0.05%
1M Return-0.02%
Total assets turnover ratio
Value0.54
Score1/3
Weight11.08%
1M Return3.38%
Value0.54
Score1/3
Weight11.08%
1M Return3.38%
EBIT / Total operating revenue (%)
Value14.91
Score1/3
Weight3.76%
1M Return1.22%
Value14.91
Score1/3
Weight3.76%
1M Return1.22%
Asset-MV
Value-0.50
Score0/3
Weight-9.60%
1M Return-3.69%
Value-0.50
Score0/3
Weight-9.60%
1M Return-3.69%
Cash-MV
Value-0.22
Score3/3
Weight40.53%
1M Return9.88%
Value-0.22
Score3/3
Weight40.53%
1M Return9.88%
Is FCFS undervalued or overvalued?
- FCFS scores 6.76/10 on fundamentals and holds a Discounted valuation at present. Backed by its 10.64% ROE, 8.88% net margin, 27.52 P/E ratio, 3.65 P/B ratio, and 28.41% earnings growth, these metrics solidify its Outperform investment rating.
