Price (90d)
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Signal Score (90d)
90Quote
Valuation & Ratios
Returns & Efficiency
Revenue & Net Income (Annual)
| Fiscal Year | Revenue | Net Income | EPS |
|---|---|---|---|
| 2025 | $3.66B | $330.38M | $7.35 |
| 2024 | $3.39B | $258.81M | $5.76 |
| 2023 | $3.15B | $219.30M | $4.82 |
| 2022 | $2.73B | $253.50M | $5.37 |
| 2021 | $1.70B | $124.91M | $3.05 |
Social Signal Score
Earnings
Thu, Oct 22(in 2 months)
Consensus estimate $2.76 per share
Typical surprise +7.8% (median, so one quarter with a near-zero estimate can't distort it)
- Thu, Jul 23$2.50 vs $2.39beat
- Thu, Apr 23$2.69 vs $2.33beat
- Thu, Feb 5$2.64 vs $2.54beat
- Thu, Oct 30$2.26 vs $1.94beat
- Thu, Jul 24$1.79 vs $1.66beat
- Thu, Apr 24$2.07 vs $1.74beat
Estimates and results for FCFS via Financial Modeling Prep. Beating consensus says the company cleared the bar analysts set, not that the business grew.
Valuation
Project earnings forward and see what return today's price implies.
Seeded from FCFS's reported EPS growth of 24.6% a year over 4 years.
- EPS in 5 years
- $22.07
- Implied price
- $485.45
- Return from $214.75
- 17.7% a year
To earn 15.0% a year on these assumptions you'd need to buy at $241.35 — today's price is already 11.0% below that.
How sensitive is that answer?
Annual return across nearby assumptions. If the result is only attractive in one corner, that is the finding.
| growth \ P/E | 16 | 19 | 22 | 25 | 28 |
|---|---|---|---|---|---|
| 14.6% | 1.6% | 5.1% | 8.3% | 11.1% | 13.6% |
| 19.6% | 6.0% | 9.7% | 13.0% | 15.9% | 18.6% |
| 24.6% | 10.5% | 14.3% | 17.7% | 20.8% | 23.5% |
| 29.6% | 14.9% | 18.9% | 22.4% | 25.6% | 28.5% |
| 34.6% | 19.3% | 23.5% | 27.2% | 30.5% | 33.4% |
This is arithmetic on assumptions you chose, not a forecast or a recommendation. It ignores dividends, buybacks, share issuance and debt, and it assumes a company still earning money in 5 years. Change any input and the answer changes a lot — that sensitivity is the honest result, not a flaw in the model.
Mentions (1)
- Newsseekingalpha.com·1d ago·Negative
…ly raised guidance, with Q2 revenue up 29% and EBITDA up 39%, while maintaining strong margins across key geographies. Despite ongoing struggles in the AFF business, FCFS is expanding its UK presence with the Ramsdens acquisition at under 8x EBITDA, targeting scale and efficiency.
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