CONN Fundamental Analysis - CONN'S INC

Fundamental Rating

We assign a fundamental rating of 2 out of 10 to CONN. CONN was compared to 120 industry peers in the Specialty Retail industry. CONN has a bad profitability rating. Also its financial health evaluation is rather negative. CONN is quite expensive at the moment. It does show a decent growth rate.

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1. Profitability

1.1 Basic Checks

In the past year CONN has reported negative net income.

CONN had a negative operating cash flow in the past year.

The reported net income has been mixed in the past 5 years: CONN reported negative net income in multiple years.

Of the past 5 years CONN 4 years had a positive operating cash flow.

1.2 Ratios

CONN has a worse Return On Assets (-3.15%) than 60.00% of its industry peers.

CONN's Return On Equity of -15.46% is on the low side compared to the rest of the industry. CONN is outperformed by 60.00% of its industry peers.

		Industry Rank	Sector Rank
ROA	-3.15%
ROE	-15.46%
ROIC	N/A

ROA(3y)-0.14%

ROA(5y)0.39%

ROE(3y)-3.22%

ROE(5y)-0.26%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

Looking at the Gross Margin, with a value of 49.12%, CONN is in the better half of the industry, outperforming 76.80% of the companies in the same industry.

In the last couple of years the Gross Margin of CONN has declined.

The Profit Margin and Operating Margin are not available for CONN so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	N/A
GM	49.12%

OM growth 3YN/A

OM growth 5YN/A

PM growth 3YN/A

PM growth 5YN/A

GM growth 3Y-1.74%

GM growth 5Y-2.13%

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

CONN does not have a ROIC to compare to the WACC, probably because it is not profitable.

Compared to 1 year ago, CONN has more shares outstanding

The number of shares outstanding for CONN has been reduced compared to 5 years ago.

CONN has a worse debt/assets ratio than last year.

2.2 Solvency

Based on the Altman-Z score of 0.99, we must say that CONN is in the distress zone and has some risk of bankruptcy.

Looking at the Altman-Z score, with a value of 0.99, CONN is doing worse than 76.80% of the companies in the same industry.

A Debt/Equity ratio of 1.69 is on the high side and indicates that CONN has dependencies on debt financing.

The Debt to Equity ratio of CONN (1.69) is worse than 64.80% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	1.69
Debt/FCF	N/A
Altman-Z	0.99

ROIC/WACCN/A

WACC5.85%

2.3 Liquidity

CONN has a Current Ratio of 2.58. This indicates that CONN is financially healthy and has no problem in meeting its short term obligations.

CONN has a better Current ratio (2.58) than 87.20% of its industry peers.

CONN has a Quick Ratio of 1.87. This is a normal value and indicates that CONN is financially healthy and should not expect problems in meeting its short term obligations.

CONN's Quick ratio of 1.87 is amongst the best of the industry. CONN outperforms 88.00% of its industry peers.

		Industry Rank	Sector Rank
Current Ratio	2.58
Quick Ratio	1.87

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

CONN shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -175.11%.

CONN shows a decrease in Revenue. In the last year, the revenue decreased by -7.81%.

Measured over the past years, CONN shows a decrease in Revenue. The Revenue has been decreasing by -4.40% on average per year.

EPS 1Y (TTM)-175.11%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%19.35%

Revenue 1Y (TTM)-7.81%

Revenue growth 3Y-3.7%

Revenue growth 5Y-4.4%

Sales Q2Q%9.31%

3.2 Future

The Earnings Per Share is expected to grow by 42.52% on average over the next years. This is a very strong growth

Based on estimates for the next years, CONN will show a very strong growth in Revenue. The Revenue will grow by 24.38% on average per year.

EPS Next Y81.05%

EPS Next 2Y42.52%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year47.5%

Revenue Next 2Y24.38%

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

CONN reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.

Also next year CONN is expected to report negative earnings again, which makes the also the Forward Price/Earnings Ratio negative.

		Industry Rank	Sector Rank
PE	N/A
Fwd PE	N/A

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

4.3 Compensation for Growth

A more expensive valuation may be justified as CONN's earnings are expected to grow with 42.52% in the coming years.

PEG (NY)N/A

PEG (5Y)N/A

EPS Next 2Y42.52%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

No dividends for CONN!.

		Industry Rank	Sector Rank
Dividend Yield	N/A

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CONN'S INC

NASDAQ:CONN (8/5/2024, 8:00:00 PM)

After market: 0.072 -0.03 (-26.15%)

0.0975

-0.08 (-46.4%)

Chartmill FA Rating

GICS SectorConsumer Discretionary

GICS IndustryGroupConsumer Discretionary Distribution & Retail

GICS IndustrySpecialty Retail

Earnings (Last)06-12 2024-06-12/amc

Earnings (Next)08-28 2024-08-28/amc

Inst Owners1.19%

Inst Owner Change15.15%

Ins Owners45.07%

Ins Owner Change4.16%

Market Cap2.43M

Analysts85.71

Price Target5.61 (5653.85%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	N/A

Yearly DividendN/A

Dividend Growth(5Y)N/A

DPN/A

Div Incr Years0

Div Non Decr Years0

Ex-DateN/A

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)-7.19%

Min EPS beat(2)-36.31%

Max EPS beat(2)21.94%

EPS beat(4)2

Avg EPS beat(4)-3.92%

Min EPS beat(4)-36.31%

Max EPS beat(4)21.94%

EPS beat(8)3

Avg EPS beat(8)-9.27%

EPS beat(12)5

Avg EPS beat(12)30.84%

EPS beat(16)9

Avg EPS beat(16)86.41%

Revenue beat(2)0

Avg Revenue beat(2)-11.81%

Min Revenue beat(2)-15.03%

Max Revenue beat(2)-8.59%

Revenue beat(4)0

Avg Revenue beat(4)-8.15%

Min Revenue beat(4)-15.03%

Max Revenue beat(4)-2.36%

Revenue beat(8)0

Avg Revenue beat(8)-6.2%

Revenue beat(12)3

Avg Revenue beat(12)-2.05%

Revenue beat(16)5

Avg Revenue beat(16)-1.52%

PT rev (1m)0%

PT rev (3m)0%

EPS NQ rev (1m)0%

EPS NQ rev (3m)0%

EPS NY rev (1m)0%

EPS NY rev (3m)-59.72%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)0%

Revenue NY rev (1m)0%

Revenue NY rev (3m)-0.97%

Valuation

		Industry Rank	Sector Rank
PE	N/A
Fwd PE	N/A
P/S	0
P/FCF	N/A
P/OCF	N/A
P/B	0
P/tB	0
EV/EBITDA	N/A

EPS(TTM)-6.19

EYN/A

EPS(NY)-1.17

Fwd EYN/A

FCF(TTM)-4.11

FCFYN/A

OCF(TTM)-2.06

OCFYN/A

SpS49.73

BVpS19.99

TBVpS19.99

PEG (NY)N/A

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	-3.15%
ROE	-15.46%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	N/A
GM	49.12%
FCFM	N/A

ROA(3y)-0.14%

ROA(5y)0.39%

ROE(3y)-3.22%

ROE(5y)-0.26%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3YN/A

PM growth 5YN/A

GM growth 3Y-1.74%

GM growth 5Y-2.13%

F-Score4

Asset Turnover0.51

Health

		Industry Rank	Sector Rank
Debt/Equity	1.69
Debt/FCF	N/A
Debt/EBITDA	N/A
Cap/Depr	101.27%
Cap/Sales	4.12%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	N/A
Current Ratio	2.58
Quick Ratio	1.87
Altman-Z	0.99

F-Score4

WACC5.85%

ROIC/WACCN/A

Cap/Depr(3y)119.21%

Cap/Depr(5y)129.98%

Cap/Sales(3y)4.13%

Cap/Sales(5y)4.03%

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)-175.11%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%19.35%

EPS Next Y81.05%

EPS Next 2Y42.52%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)-7.81%

Revenue growth 3Y-3.7%

Revenue growth 5Y-4.4%

Sales Q2Q%9.31%

Revenue Next Year47.5%

Revenue Next 2Y24.38%

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1Y-608.87%

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next Year195.57%

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y-711.81%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-184.82%

OCF growth 3YN/A

OCF growth 5YN/A

CONN'S INC (CONN) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

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2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

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3. Growth

3.1 Past

3.2 Future

3.3 Evolution

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4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

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5. Dividend

5.1 Amount

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