FirstCash Holdings Inc.
Find Ratings ReportsFIRSTCASH HOLDINGS INC's gross profit margin for the fourth quarter of its fiscal year 2023 has increased when compared to the same period a year ago. Even though sales increased, the net income has decreased. FIRSTCASH HOLDINGS INC is extremely liquid. Currently, the Quick Ratio is 2.34 which clearly shows the ability to cover any short-term cash needs. The company's liquidity has increased from the same period last year.
During the same period, stockholders' equity ("net worth") has increased by 6.20% from the same quarter last year. Overall, the key liquidity measurements indicate that the company is very unlikely to face financial difficulties in the near future.
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Income Statement | Q4 FY23 | Q4 FY22 |
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Net Sales ($mil) | 852.13 | 757.2 |
EBITDA ($mil) | 148.98 | 131.32 |
EBIT ($mil) | 121.34 | 104.99 |
Net Income ($mil) | 69.59 | 80.07 |
Balance Sheet | Q4 FY23 | Q4 FY22 |
---|---|---|
Cash & Equiv. ($mil) | 127.02 | 117.33 |
Total Assets ($mil) | 4289.92 | 3904.87 |
Total Debt ($mil) | 1923.09 | 1670.76 |
Equity ($mil) | 1996.42 | 1879.77 |
Profitability | Q4 FY23 | Q4 FY22 |
---|---|---|
Gross Profit Margin | 23.57 | 22.24 |
EBITDA Margin | 17.48 | 17.34 |
Operating Margin | 14.24 | 13.86 |
Sales Turnover | 0.73 | 0.71 |
Return on Assets | 5.11 | 6.49 |
Return on Equity | 10.98 | 13.49 |
Debt | Q4 FY23 | Q4 FY22 |
---|---|---|
Current Ratio | 3.89 | 3.83 |
Debt/Capital | 0.49 | 0.47 |
Interest Expense | 26.59 | 19.96 |
Interest Coverage | 4.56 | 5.26 |
Share Data | Q4 FY23 | Q4 FY22 |
---|---|---|
Shares outstanding (mil) | 45.11 | 46.29 |
Div / share | 0.35 | 0.33 |
EPS | 1.53 | 1.72 |
Book value / share | 44.26 | 40.61 |
Institutional Own % | n/a | n/a |
Avg Daily Volume | 202059.0 | 222270.0 |
BUY. This stock's P/E ratio indicates a premium compared to an average of 17.75 for the Credit Intermediation and Related Activities subsector and a discount compared to the S&P 500 average of 27.95. For additional comparison, its price-to-book ratio of 2.66 indicates a significant discount versus the S&P 500 average of 4.68 and a significant discount versus the subsector average of 8.64. The price-to-sales ratio is well below both the S&P 500 average and the subsector average, indicating a discount.
Price/Earnings |
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Price/Cash Flow |
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FCFS 24.54 | Peers 17.75 | FCFS 12.77 | Peers 20.18 | |||||||||||||||||||||
Premium. A higher P/E ratio than its peers can signify a more expensive stock or higher growth expectations. FCFS is trading at a significant premium to its peers. |
Discount. The P/CF ratio, a stock’s price divided by the company's cash flow from operations, is useful for comparing companies with different capital requirements or financing structures. FCFS is trading at a significant discount to its peers. |
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Price/Projected Earnings |
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Price to Earnings/Growth |
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FCFS 14.54 | Peers 13.86 | FCFS 0.55 | Peers 1.78 | |||||||||||||||||||||
Premium. A higher price-to-projected earnings ratio than its peers can signify a more expensive stock or higher future growth expectations. FCFS is trading at a premium to its peers. |
Discount. The PEG ratio is the stock’s P/E divided by the consensus estimate of long-term earnings growth. Faster growth can justify higher price multiples. FCFS trades at a significant discount to its peers. |
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Price/Book |
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Earnings Growth |
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FCFS 2.66 | Peers 8.64 | FCFS -10.62 | Peers 24.72 | |||||||||||||||||||||
Discount. A lower price-to-book ratio makes a stock more attractive to investors seeking stocks with lower market values per dollar of equity on the balance sheet. FCFS is trading at a significant discount to its peers. |
Lower. Elevated earnings growth rates can lead to capital appreciation and justify higher price-to-earnings ratios. However, FCFS is expected to significantly trail its peers on the basis of its earnings growth rate. |
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Price/Sales |
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Sales Growth |
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FCFS 1.69 | Peers 4.87 | FCFS 13.71 | Peers 44.87 | |||||||||||||||||||||
Discount. In the absence of P/E and P/B multiples, the price-to-sales ratio can display the value investors are placing on each dollar of sales. FCFS is trading at a significant discount to its subsector on this measurement. |
Lower. A sales growth rate that trails the subsector implies that a company is losing market share. FCFS significantly trails its peers on the basis of sales growth. |
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