First Cash Financial Services, Inc. (FCFS) : Company Profile and SWOT Analysis by WMIntelligence

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									First Cash Financial Services, Inc.

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First Cash Financial Services, Inc.                                        Financial Snapshot

                                                                           Operating Performance
Fast Facts
Headquarters Address
                                    690 East Lamar Boulevard, Arlington,   The company reported revenue of US$596 million
                                    76011,United States of America         during the fiscal year 2012 (2012). The company's
                                                                           revenue grew at a CAGR of 16.90% during 2008–
Telephone                            + 1 817 4603947
                                                                           2012, with an annual growth of 14.97% over 2011. In
                                                                           2012, the company recorded an operating margin of
Fax                                  + 1 817 4617019                       20.57%, as against 20.77% in 2011.

Website                             www.firstcash.com
                                                                           Revenue and Margins
Ticker Symbol, Stock Exchange       FCFS, NASDAQ

Number of Employees                 5,300

Fiscal Year End                     December

Revenue (in US$ million)            596




SWOT Analysis

Strengths                           Weaknesses                             Return on Equity

Strong financial performance        Overdependence on select region        The company recorded a return on equity (ROE) of
                                                                           22.80% for 2012, as compared to its peers, Federal
                                                                           National Mortgage Association (Ticker: FNMA),
Strong presence in pawn business                                           EZCORP, Inc. (Ticker: EZPW) and Cash America
                                                                           International, Inc. (Ticker: CSH), which recorded
Opportunities                       Threats                                ROEs of 239.79%, 17.21% and 10.83% respectively.
                                                                           The company reported an operating margin of
Growing pawnshop business in Mexico                                        20.57% in 2012.
                                    Foreign exchange risk
market

Strategic expansions                High competition                       Return on Equity




                                                                           Liquidity Position

                                                                           The company reported a current ratio of 7.75 in 2012,
                                                                           as compared to its peers, Federal National Mortgage
                                                                           Association, EZCORP, Inc. and Cash America
                                                                           International, Inc., which recorded current ratios of
                                                                           0.00, 4.46 and 4.79 respectively. As of December
                                                                           2012, the company recorded cash and short-term
                                                                           investments of worth US$50 million, against US$3
                                                                           million current debt. The company reported a debt to
                                                                           equity ratio of 0.32 in 2012 as compared to its peers,
                                                                           Federal National Mortgage Association, EZCORP,
                                                                           Inc. and Cash America International, Inc., which
                                                                           recorded debt to equity ratios of 444.04, 0.27 and
                                                                           0.58 respectively.




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First Cash Financial Services, Inc. - SWOT Profile                                                                 Page 1
First Cash Financial Services, Inc.

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TABLE OF CONTENTS

1     Business Analysis ................................................................................................................................... 5
    1.1       Company Overview ......................................................................................................................................... 5
    1.2       Business Description ....................................................................................................................................... 6
    1.3       Major Products and Services ........................................................................................................................... 7
2     Analysis of Key Performance Indicators ............................................................................................... 8
    2.1       Five Year Snapshot: Overview of Financial and Operational Performance Indicators ....................................... 8
    2.2       Key Financial Performance Indicators ............................................................................................................ 11
      2.2.1       Revenue and Operating Profit...........................................................
								
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