Market Price

67.00 

1.15 1.8%

as of Apr 09 '21

52 Week Range:

51.15 78.10


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 jewelry, electronics, tools, 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 gold, silver, and diamonds in commodity markets. As of December 31, 2020, it operated 1,046 stores in the United States and the District of Columbia; 1,616 stores in Mexico; 59 stores in Guatemala; 13 stores in El Salvador; and 14 stores in Colombia. 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 '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20
Equity (BVPS) 9.56
9.83
12.11
13.39
15.06
15.57
29.54
31.28
30.08
31.57
30.31
growth rate 2.8% 23.2% 10.6% 12.5% 3.4% 89.7% 5.9% -3.8% 5.0% -4.0%
Earnings BIT 84.63
108.20
122.61
120.19
130.82
114.29
149.34
217.61
240.44
258.57
195.95
growth rate 27.9% 13.3% -2.0% 8.9% -12.6% 30.7% 45.7% 10.5% 7.5% -24.2%
Avg.PE 17.70
15.60
18.18
21.65
16.69
18.69
25.73
24.05
24.12
22.12
23.79
growth rate -11.9% 16.5% 19.1% -22.9% 12.0% 37.7% -6.5% 0.3% -8.3% 7.6%
ROA 19.26
22.24
18.58
14.37
12.40
8.25
4.14
6.84
7.35
7.24
4.43
growth rate 15.5% -16.5% -22.7% -13.7% -33.5% -49.8% 65.2% 7.5% -1.5% -38.8%
ROE 22.59
25.36
24.07
21.87
19.74
13.80
6.39
9.84
10.97
12.34
8.09
growth rate 12.3% -5.1% -9.1% -9.7% -30.1% -53.7% 54.0% 11.5% 12.5% -34.4%
ROIC 22.18
25.33
18.13
16.07
14.86
10.48
5.60
8.60
9.15
8.87
5.72
growth rate 14.2% -28.4% -11.4% -7.5% -29.5% -46.6% 53.6% 6.4% -3.1% -35.5%
Cur. Ratio 5.92
5.94
7.75
5.95
7.23
7.05
6.21
6.99
5.94
3.65
3.03
growth rate 0.3% 30.5% -23.2% 21.5% -2.5% -11.9% 12.6% -15.0% -38.6% -17.0%
Quick Ratio 4.37
4.39
5.48
4.18
4.81
4.81
3.73
4.52
3.74
2.29
2.06
growth rate 0.5% 24.8% -23.7% 15.1% 0.0% -22.5% 21.2% -17.3% -38.8% -10.0%
Leverage 1.15
1.13
1.44
1.59
1.59
1.75
1.48
1.40
1.60
1.81
1.85
growth rate -1.7% 27.4% 10.4% 0.0% 10.1% -15.4% -5.4% 14.3% 13.1% 2.2%
Balance Sheet Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20
Acct.Receivable 80.93
11.92
16.31
21.73
136.70
138.69
446.23
430.77
425.65
417.84
358.98
growth rate -85.3% 36.8% 33.3% 529.0% 1.5% 221.7% -3.5% -1.2% -1.8% -14.1%
Acct.Payable 35.41
27.94
45.44
2.15
1.82
11.66
4.79
6.89
5.87
7.19
growth rate -21.1% 62.6% -95.3% -15.1% 539.8% -58.9% 43.7% -14.7% 22.4%
Cur.Assets 205.00
210.48
241.43
290.22
300.75
325.43
892.14
842.20
789.89
740.99
624.57
growth rate 2.7% 14.7% 20.2% 3.6% 8.2% 174.1% -5.6% -6.2% -6.2% -15.7%
Total Assets 342.40
357.10
507.69
658.97
716.62
752.90
2,145.20
2,062.78
2,107.97
2,439.44
2,372.20
growth rate 4.3% 42.2% 29.8% 8.8% 5.1% 184.9% -3.8% 2.2% 15.7% -2.8%
Cash 67.20
70.30
50.29
70.64
67.99
86.95
89.96
114.42
71.79
46.53
65.85
growth rate 4.6% -28.5% 40.5% -3.8% 27.9% 3.5% 27.2% -37.3% -35.2% 41.5%
Inventory 47.40
44.41
65.35
77.79
91.09
93.46
330.68
276.77
275.13
265.26
190.35
growth rate -6.3% 47.1% 19.1% 17.1% 2.6% 253.8% -16.3% -0.6% -3.6% -28.2%
Cur.Liabilities 34.60
35.41
31.15
48.76
42.56
46.18
143.63
120.57
133.05
202.90
206.41
growth rate 2.3% -12.0% 56.5% -12.7% 8.5% 211.1% -16.1% 10.4% 52.5% 1.7%
Liabilities 44.40
41.72
155.28
244.61
282.18
321.51
695.22
587.45
789.87
1,089.41
1,088.38
growth rate -6.0% 272.2% 57.5% 15.4% 13.9% 116.2% -15.5% 34.5% 37.9% -0.1%
LT Debt 1.40
0.00
110.85
187.03
222.40
253.87
456.55
402.24
590.89
631.57
615.92
growth rate -100.0% 68.7% 18.9% 14.2% 79.8% -11.9% 46.9% 6.9% -2.5%
Equity 298.00
315.37
352.42
414.36
434.44
431.38
1,449.99
1,475.33
1,318.10
1,350.04
1,283.82
growth rate 5.8% 11.8% 17.6% 4.9% -0.7% 236.1% 1.8% -10.7% 2.4% -4.9%
Common Shares 31.00
31.00
30.00
30.00
29.00
28.00
35.00
48.00
45.00
43.00
42.00
growth rate 0.0% -3.2% 0.0% -3.3% -3.5% 25.0% 37.1% -6.3% -4.4% -2.3%
Cash Flow Statement Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20
Capital Expenditures 18.40
28.97
21.84
26.67
23.95
21.07
20.46
25.97
35.68
44.31
37.54
growth rate 57.5% -24.6% 22.1% -10.2% -12.0% -2.9% 27.0% 37.4% 24.2% -15.3%
Cash Dividends 0.00
0.00
0.00
19.81
19.81
19.81
36.84
40.85
43.95
44.75
growth rate 0.0% 0.0% 86.0% 10.9% 7.6% 1.8%
Cash From OA 73.60
80.38
88.79
106.72
97.68
92.75
96.85
220.36
243.43
231.60
222.26
growth rate 9.2% 10.5% 20.2% -8.5% -5.1% 4.4% 127.5% 10.5% -4.9% -4.0%
FCF per Share 1.78
1.64
2.25
2.86
2.58
2.52
1.31
3.48
4.25
3.27
3.66
growth rate -7.9% 37.2% 27.1% -9.8% -2.3% -48.0% 165.7% 22.1% -23.1% 11.9%
Sale Purchase of Stock -52.83
-56.98
-29.45
5.27
9.90
0.31
0.31
-273.26
-115.71
-105.83
growth rate 0.0% 0.0% 100.0% 87.8% -96.9% 0.0% -100.0% 0.0% 0.0%
FCF 55.00
51.00
67.00
80.00
74.00
72.00
63.00
183.00
188.00
113.00
139.00
growth rate -7.3% 31.4% 19.4% -7.5% -2.7% -12.5% 190.5% 2.7% -39.9% 23.0%
Income Statement Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20
Sales 421.50
514.00
592.09
660.85
712.88
704.60
1,088.38
1,779.82
1,780.86
1,864.44
1,631.28
growth rate 21.9% 15.2% 11.6% 7.9% -1.2% 54.5% 63.5% 0.1% 4.7% -12.5%
Op.Income 79.90
70.14
80.86
84.48
130.82
114.29
149.34
217.61
240.44
258.57
195.95
growth rate -12.2% 15.3% 4.5% 54.9% -12.6% 30.7% 45.7% 10.5% 7.5% -24.2%
IBT 79.90
107.09
122.24
120.19
116.98
87.68
93.45
172.31
205.31
224.61
143.70
growth rate 34.0% 14.2% -1.7% -2.7% -25.1% 6.6% 84.4% 19.2% 9.4% -36.0%
Net Income 57.70
70.14
80.86
84.48
85.17
60.71
60.13
143.89
153.21
164.62
106.58
growth rate 21.6% 15.3% 4.5% 0.8% -28.7% -1.0% 139.3% 6.5% 7.5% -35.3%
EPS 1.86
2.47
2.70
2.84
2.93
2.14
1.72
3.00
3.41
3.81
2.56
growth rate 32.8% 9.3% 5.2% 3.2% -27.0% -19.6% 74.4% 13.7% 11.7% -32.8%
Gross Profit 246.20
289.26
335.54
369.57
400.87
391.18
604.80
947.51
966.77
1,018.35
911.14
growth rate 17.5% 16.0% 10.1% 8.5% -2.4% 54.6% 56.7% 2.0% 5.3% -10.5%
R&D 0.00
growth rate

Quarterly Statements

Item Name Dec '19 Mar '20 Jun '20 Sep '20 Dec '20
Earnings BIT 71.52
62.23
43.34
35.90
54.48
growth rate -13.0% -30.4% -17.2% 51.8%
Balance Sheet Dec '19 Mar '20 Jun '20 Sep '20 Dec '20
Acct.Receivable 70.78
359.11
265.97
314.58
358.98
growth rate 407.4% -25.9% 18.3% 14.1%
Acct.Payable 138.13
74.81
69.81
79.98
7.19
growth rate -45.8% -6.7% 14.6% -91.0%
Cur.Assets 740.99
672.77
527.58
572.73
624.57
growth rate -9.2% -21.6% 8.6% 9.1%
Total Assets 2,439.44
2,312.87
2,182.52
2,235.50
2,372.20
growth rate -5.2% -5.6% 2.4% 6.1%
Cash 46.53
75.46
70.96
78.84
65.85
growth rate 62.2% -6.0% 11.1% -16.5%
Inventory 265.26
227.88
179.97
168.66
190.35
growth rate -14.1% -21.0% -6.3% 12.9%
Cur.Liabilities 202.90
206.72
202.06
201.32
206.41
growth rate 1.9% -2.3% -0.4% 2.5%
Liabilities 1,089.41
1,105.50
949.74
991.57
1,088.38
growth rate 1.5% -14.1% 4.4% 9.8%
LT Debt 631.57
652.26
496.92
532.78
615.92
growth rate 3.3% -23.8% 7.2% 15.6%
Equity 1,350.04
1,207.38
1,232.78
1,243.93
1,283.82
growth rate -10.6% 2.1% 0.9% 3.2%
Common Shares 42.76
0.49
0.49
0.49
0.49
growth rate -98.9% 0.0% 0.0% 0.0%
Cash Flow Statement Dec '19 Mar '20 Jun '20 Sep '20 Dec '20
Capital Expenditures -31.75
10.58
9.90
7.38
9.69
growth rate 100.0% -6.5% -25.5% 31.4%
Cash Dividends -11.59
11.27
11.19
11.19
11.11
growth rate 100.0% -0.7% 0.0% -0.7%
Cash From OA 67.77
77.39
65.91
34.07
44.90
growth rate 14.2% -14.8% -48.3% 31.8%
Sale Purchase of Stock -48.88
-80.33
0.00
0.00
-26.64
growth rate 0.0% 0.0%
FCF 36.03
66.80
56.02
26.69
35.21
growth rate 85.4% -16.1% -52.4% 31.9%
Income Statement Dec '19 Mar '20 Jun '20 Sep '20 Dec '20
Sales 498.36
466.49
412.75
359.89
392.16
growth rate -6.4% -11.5% -12.8% 9.0%
Op.Income 71.52
62.23
43.34
35.90
54.48
growth rate -13.0% -30.4% -17.2% 51.8%
IBT 71.52
45.72
37.19
17.69
43.11
growth rate -36.1% -18.7% -52.4% 143.7%
Net Income 54.15
32.92
25.87
15.06
32.73
growth rate -39.2% -21.4% -41.8% 117.3%
EPS
growth rate
Gross Profit 267.26
259.31
223.10
202.74
225.99
growth rate -3.0% -14.0% -9.1% 11.5%
R&D
growth rate

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:

D (37.81)

YOY Growth Grade:

D (33.87)

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 26.52 26.17 18.20
EPS / Growth 8.2% 2.56 23.8%

Value Price & Investment Recovery Time

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

Equity Growth Rate: 9.8%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 8.2% 9.0% 9.0%
Future PE 16.48 20.92 20.92
Future EPS 5.65 6.07 6.07
Value Price
MOS %
23.02
-65.6%
31.40
-53.1%
31.40
-53.1%
MOS Price 11.51 15.70 15.70
IRT 13.84 13.33 13.33

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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