Analyzing First Cash (FCFS) & The Competition
First Cash (NYSE: FCFS) is one of 28 public companies in the “Consumer Lending” industry, but how does it contrast to its competitors? We will compare First Cash to similar businesses based on the strength of its valuation, institutional ownership, analyst recommendations, dividends, risk, earnings and profitability.
Risk & Volatility
First Cash has a beta of 0.79, indicating that its share price is 21% less volatile than the S&P 500. Comparatively, First Cash’s competitors have a beta of 1.46, indicating that their average share price is 46% more volatile than the S&P 500.
This table compares First Cash and its competitors’ net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|First Cash Competitors||-122.80%||-80.48%||-0.65%|
This is a summary of current ratings and recommmendations for First Cash and its competitors, as provided by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|First Cash Competitors||170||690||1079||54||2.51|
First Cash currently has a consensus target price of $64.00, indicating a potential downside of 3.90%. As a group, “Consumer Lending” companies have a potential upside of 24.81%. Given First Cash’s competitors higher possible upside, analysts plainly believe First Cash has less favorable growth aspects than its competitors.
Earnings and Valuation
This table compares First Cash and its competitors top-line revenue, earnings per share and valuation.
|Gross Revenue||Net Income||Price/Earnings Ratio|
|First Cash||$1.09 billion||$60.12 million||28.46|
|First Cash Competitors||$2.77 billion||$388.84 million||77.49|
First Cash’s competitors have higher revenue and earnings than First Cash. First Cash is trading at a lower price-to-earnings ratio than its competitors, indicating that it is currently more affordable than other companies in its industry.
Insider & Institutional Ownership
95.8% of First Cash shares are held by institutional investors. Comparatively, 78.7% of shares of all “Consumer Lending” companies are held by institutional investors. 2.8% of First Cash shares are held by company insiders. Comparatively, 14.1% of shares of all “Consumer Lending” companies are held by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company will outperform the market over the long term.
First Cash pays an annual dividend of $0.80 per share and has a dividend yield of 1.2%. First Cash pays out 34.2% of its earnings in the form of a dividend. As a group, “Consumer Lending” companies pay a dividend yield of 1.8% and pay out 29.6% of their earnings in the form of a dividend. First Cash lags its competitors as a dividend stock, given its lower dividend yield and higher payout ratio.
First Cash competitors beat First Cash on 9 of the 15 factors compared.
About First Cash
FirstCash, Inc., formerly First Cash Financial Services, Inc., is an operator of retail-based pawn stores in the United States and Latin America. The Company’s primary business is the operation of full-service pawn stores, which make small pawn loans secured by personal property, such as consumer electronics, jewelry, power tools, household appliances, sporting goods and musical instruments. The Company’s operates through two segments: the U.S. operations segment and the Latin America operations segment. The U.S. operations segment consists of all pawn and consumer loan operations in the United States and the Latin America operations segment consists of all pawn and consumer loan operations in Latin America, which includes operations in Mexico, Guatemala and El Salvador. In addition, some of the Company’s pawn stores offer small unsecured consumer loans or credit services products. The Company also operates consumer finance stores in Texas and Mexico.
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