Market Price

74.00 

1.00 1.4%

as of Nov 15 '19

52 Week Range:

60.47 94.60


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

FirstCash, Inc., together with its subsidiaries, operates retail pawn stores in the United States and Latin America. Its pawn stores lend money on the collateral of pledged personal property, including consumer electronics, jewelry, tools, household appliances, sporting goods, and musical instruments; and retails merchandise acquired through collateral forfeitures on forfeited pawn loans and over-the-counter purchases of merchandise directly from customers. The company is also involved in melting scrap jewelry, as well as sells the gold, silver, and diamonds in commodity markets. In addition, it offers credit services, small unsecured consumer loans, and check cashing services. As of June 30, 2019, the company operated 2,646 stores with 1,592 stores in Latin America and 1,054 stores in the United States. The company was formerly known as First Cash Financial Services, Inc. and changed its name to FirstCash, Inc. in September 2016. FirstCash, Inc. was founded in 1988 and is headquartered in Fort Worth, Texas.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Equity (BVPS) 3.69
4.56
6.32
7.59
8.22
9.74
12.39
14.25
27.95
26.21
26.32
growth rate 23.6% 38.6% 20.1% 8.3% 18.5% 27.2% 15.0% 96.1% -6.2% 0.4%
Earnings BIT 46.10
50.83
64.35
82.28
93.23
91.39
130.82
114.29
149.34
217.61
241.96
growth rate 10.3% 26.6% 27.9% 13.3% -2.0% 43.1% -12.6% 30.7% 45.7% 11.2%
Avg.PE 14.16
12.18
17.67
15.75
17.36
21.46
5.19
23.30
24.39
20.29
20.96
growth rate -14.0% 45.1% -10.9% 10.2% 23.6% -75.8% 348.9% 4.7% -16.8% 3.3%
ROA -7.73
19.08
19.26
22.24
18.58
14.37
12.40
8.25
4.14
6.84
7.35
growth rate 100.0% 0.9% 15.5% -16.5% -22.7% -13.7% -33.5% -49.8% 65.2% 7.5%
ROE -12.11
27.13
22.59
25.36
24.07
21.87
19.74
13.80
6.39
9.84
10.97
growth rate 100.0% -16.7% 12.3% -5.1% -9.1% -9.7% -30.1% -53.7% 54.0% 11.5%
ROIC -8.58
21.78
22.18
25.33
18.13
16.07
14.86
10.48
5.60
8.60
9.15
growth rate 100.0% 1.8% 14.2% -28.4% -11.4% -7.5% -29.5% -46.6% 53.6% 6.4%
Cur. Ratio 3.99
3.87
5.92
5.94
7.75
5.95
7.23
7.05
6.21
6.99
5.94
growth rate -3.0% 53.0% 0.3% 30.5% -23.2% 21.5% -2.5% -11.9% 12.6% -15.0%
Quick Ratio 2.62
2.60
4.37
4.39
5.48
4.18
4.81
4.81
3.73
4.52
3.74
growth rate -0.8% 68.1% 0.5% 24.8% -23.7% 15.1% 0.0% -22.5% 21.2% -17.3%
Leverage 1.71
1.21
1.15
1.13
1.44
1.59
1.59
1.75
1.48
1.40
1.60
growth rate -29.2% -5.0% -1.7% 27.4% 10.4% 0.0% 10.1% -15.4% -5.4% 14.3%
Balance Sheet Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Acct.Receivable 50.88
61.90
80.93
84.13
118.55
136.70
138.69
446.23
430.77
425.65
growth rate 21.7% 30.7% 4.0% 40.9% 7.4% 1.5% 221.7% -3.5% -1.2%
Acct.Payable 2.15
1.82
11.66
4.79
6.89
growth rate -15.1% 539.8% -58.9% 43.7%
Cur.Assets 93.94
103.87
155.88
160.06
183.56
220.67
300.75
325.43
892.14
842.20
789.89
growth rate 10.6% 50.1% 2.7% 14.7% 20.2% 36.3% 8.2% 174.1% -5.6% -6.2%
Total Assets 194.09
194.89
260.36
271.54
386.06
501.10
716.62
752.90
2,145.20
2,062.78
2,107.97
growth rate 0.4% 33.6% 4.3% 42.2% 29.8% 43.0% 5.1% 184.9% -3.8% 2.2%
Cash 21.22
20.38
51.10
53.46
38.25
53.68
67.99
86.95
89.96
114.42
71.79
growth rate -4.0% 150.8% 4.6% -28.5% 40.4% 26.7% 27.9% 3.5% 27.2% -37.3%
Inventory 21.00
26.16
36.04
33.76
49.65
59.16
91.09
93.46
330.68
276.77
275.13
growth rate 24.6% 37.8% -6.3% 47.1% 19.1% 54.0% 2.6% 253.8% -16.3% -0.6%
Cur.Liabilities 24.00
26.84
26.31
26.92
23.72
37.11
42.56
46.18
143.63
120.57
133.05
growth rate 11.9% -2.0% 2.3% -11.9% 56.4% 14.7% 8.5% 211.1% -16.1% 10.4%
Liabilities 81.13
33.31
33.76
31.71
118.09
185.99
282.18
321.51
695.22
587.45
789.87
growth rate -59.0% 1.4% -6.1% 272.4% 57.5% 51.7% 13.9% 116.2% -15.5% 34.5%
LT Debt 56.99
4.03
1.06
0.00
84.33
142.19
222.40
253.87
456.55
402.24
590.89
growth rate -92.9% -73.6% -100.0% 68.6% 56.4% 14.2% 79.8% -11.9% 46.9%
Equity 113.03
161.51
226.60
239.83
267.97
315.11
434.44
431.38
1,449.99
1,475.33
1,318.10
growth rate 42.9% 40.3% 5.8% 11.7% 17.6% 37.9% -0.7% 236.1% 1.8% -10.7%
Common Shares 30.00
30.00
31.00
31.00
30.00
30.00
29.00
28.00
35.00
48.00
45.00
growth rate 0.0% 3.3% 0.0% -3.2% 0.0% -3.3% -3.5% 25.0% 37.1% -6.3%
Cash Flow Statement Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Capital Expenditures 14.78
11.71
13.99
22.05
16.58
20.30
23.95
21.07
20.46
25.97
35.68
growth rate -20.8% 19.5% 57.6% -24.8% 22.5% 18.0% -12.0% -2.9% 27.0% 37.4%
Cash Dividends 0.00
0.00
0.00
0.00
0.00
19.81
19.81
19.81
36.84
40.85
growth rate 0.0% 0.0% 86.0% 10.9%
Cash From OA 42.07
64.79
55.97
61.14
67.52
81.13
97.68
92.75
96.85
220.36
243.43
growth rate 54.0% -13.6% 9.2% 10.5% 20.2% 20.4% -5.1% 4.4% 127.5% 10.5%
FCF per Share 0.57
1.12
1.54
1.27
1.41
2.08
2.13
2.30
1.24
2.92
3.72
growth rate 96.5% 37.5% -17.5% 11.0% 47.5% 2.4% 8.0% -46.1% 135.5% 27.4%
Sale Purchase of Stock 5.27
9.90
0.31
0.31
growth rate 87.8% -96.9% 0.0%
FCF 37.00
65.00
55.00
51.00
67.00
80.00
74.00
72.00
63.00
183.00
188.00
growth rate 75.7% -15.4% -7.3% 31.4% 19.4% -7.5% -2.7% -12.5% 190.5% 2.7%
Income Statement Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Sales 234.55
276.10
320.51
394.12
450.23
502.47
712.88
704.60
1,088.38
1,779.82
1,780.86
growth rate 17.7% 16.1% 23.0% 14.2% 11.6% 41.9% -1.2% 54.5% 63.5% 0.1%
Op.Income 42.87
49.96
60.76
81.90
92.92
91.40
130.82
114.29
149.34
217.61
241.96
growth rate 16.5% 21.6% 34.8% 13.5% -1.6% 43.1% -12.6% 30.7% 45.7% 11.2%
IBT 42.87
49.96
60.76
81.90
92.92
91.40
116.98
87.68
93.45
172.31
205.31
growth rate 16.5% 21.6% 34.8% 13.5% -1.6% 28.0% -25.1% 6.6% 84.4% 19.2%
Net Income -15.73
37.87
43.88
59.16
61.14
63.72
85.17
60.71
60.13
143.89
153.21
growth rate 100.0% 15.9% 34.8% 3.3% 4.2% 33.7% -28.7% -1.0% 139.3% 6.5%
EPS -0.73
1.65
1.86
2.47
2.70
2.84
2.93
2.14
1.72
3.00
3.41
growth rate 100.0% 12.7% 32.8% 9.3% 5.2% 3.2% -27.0% -19.6% 74.4% 13.7%
Gross Profit 140.98
160.75
187.21
222.65
255.11
281.04
400.87
391.18
604.80
947.51
966.77
growth rate 14.0% 16.5% 18.9% 14.6% 10.2% 42.6% -2.4% 54.6% 56.7% 2.0%

Quarterly Statements

Item Name Sep '18 Dec '18 Mar '19 Jun '19 Sep '19
Earnings BIT 54.68
75.87
66.92
53.75
59.91
growth rate 38.8% -11.8% -19.7% 11.5%
Balance Sheet Sep '18 Dec '18 Mar '19 Jun '19 Sep '19
Acct.Receivable 455.74
425.65
401.31
427.05
437.33
growth rate -6.6% -5.7% 6.4% 2.4%
Acct.Payable 103.22
6.89
77.36
71.41
77.76
growth rate -93.3% 1,023.5% -7.7% 8.9%
Cur.Assets 808.60
789.89
718.10
770.09
789.71
growth rate -2.3% -9.1% 7.2% 2.6%
Total Assets 2,116.48
2,107.97
2,335.78
2,404.49
2,422.79
growth rate -0.4% 10.8% 2.9% 0.8%
Cash 57.03
71.79
49.66
67.01
61.18
growth rate 25.9% -30.8% 34.9% -8.7%
Inventory 277.44
275.13
257.80
266.44
281.92
growth rate -0.8% -6.3% 3.4% 5.8%
Cur.Liabilities 139.38
133.05
209.85
196.91
207.73
growth rate -4.5% 57.7% -6.2% 5.5%
Liabilities 804.75
789.87
1,007.37
1,077.54
1,086.62
growth rate -1.9% 27.5% 7.0% 0.8%
LT Debt 600.72
590.89
551.05
636.22
636.39
growth rate -1.6% -6.7% 15.5% 0.0%
Equity 1,311.73
1,318.10
1,328.42
1,326.94
1,336.18
growth rate 0.5% 0.8% -0.1% 0.7%
Common Shares 0.49
0.49
0.49
0.49
0.49
growth rate 0.0% 0.0% 0.0% 0.0%
Cash Flow Statement Sep '18 Dec '18 Mar '19 Jun '19 Sep '19
Capital Expenditures 17.57
-5.08
9.66
13.25
10.20
growth rate -100.0% 100.0% 37.2% -23.0%
Cash Dividends 9.73
10.96
10.89
10.78
10.74
growth rate 12.6% -0.6% -1.1% -0.3%
Cash From OA 54.25
69.21
71.70
34.28
57.85
growth rate 27.6% 3.6% -52.2% 68.8%
Sale Purchase of Stock
growth rate
FCF 36.69
64.13
62.04
21.03
47.65
growth rate 74.8% -3.3% -66.1% 126.6%
Income Statement Sep '18 Dec '18 Mar '19 Jun '19 Sep '19
Sales 429.88
481.21
467.60
446.01
452.46
growth rate 11.9% -2.8% -4.6% 1.5%
Op.Income 54.68
75.87
66.92
53.75
59.91
growth rate 38.8% -11.8% -19.7% 11.5%
IBT 44.08
63.18
58.84
45.29
48.96
growth rate 43.3% -6.9% -23.0% 8.1%
Net Income 33.33
48.08
42.66
33.05
34.76
growth rate 44.3% -11.3% -22.5% 5.2%
EPS
growth rate
Gross Profit 237.26
262.00
255.80
244.31
250.98
growth rate 10.4% -2.4% -4.5% 2.7%

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

B (77.80)

YOY Growth Grade:

C (52.22)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 20.34 20.34 16.49
EPS / Growth 3.64

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 23.2%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 23.2% 23.2% 23.2%
Future PE 16.49 27.72 27.72
Future EPS 29.22 29.22 29.22
Value Price
MOS %
119.10
60.9%
200.19
170.5%
200.19
170.5%
MOS Price 59.55 100.09 100.09
IRT 7.53 7.53 7.53

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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