CURO GROUP HOLDINGS CORP (CURO) Stock Fundamental Analysis
USA - NYSE:CURO - US23131L1070 - Common Stock
0.1929 USD
-0.01 (-6.4%)
We assign a fundamental rating of 2 out of 10 to CURO. CURO was compared to 55 industry peers in the Consumer Finance industry. CURO has a bad profitability rating. Also its financial health evaluation is rather negative. CURO does not seem to be growing, but still is valued expensively.
1. Profitability
1.1 Basic Checks
CURO had negative earnings in the past year.
In the past year CURO had a positive cash flow from operations.
In multiple years CURO reported negative net income over the last 5 years.
Of the past 5 years CURO 4 years had a positive operating cash flow.
1.2 Ratios
The Return On Assets of CURO (-23.05%) is worse than 86.54% of its industry peers.
With a decent Return On Invested Capital value of 3.42%, CURO is doing good in the industry, outperforming 61.54% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for CURO is significantly below the industry average of 11.61%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -23.05% | ||
| ROE | N/A | ||
| ROIC | 3.42% |
ROA(3y)-6.4%
ROA(5y)-0.5%
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)4.51%
ROIC(5y)9.07%
1.3 Margins
The Operating Margin of CURO (8.81%) is comparable to the rest of the industry.
In the last couple of years the Operating Margin of CURO has declined.
CURO does not have Profit Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 8.81% | ||
| PM (TTM) | N/A | ||
| GM | N/A |
OM growth 3Y-14.47%
OM growth 5Y-9.91%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so CURO is destroying value.
Compared to 1 year ago, CURO has more shares outstanding
Compared to 5 years ago, CURO has less shares outstanding
Compared to 1 year ago, CURO has a worse debt to assets ratio.
2.2 Solvency
Based on the Altman-Z score of 0.37, we must say that CURO is in the distress zone and has some risk of bankruptcy.
The Altman-Z score of CURO (0.37) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | N/A | ||
| Debt/FCF | N/A | ||
| Altman-Z | 0.37 |
ROIC/WACC0.65
WACC5.29%
2.3 Liquidity
A Current Ratio of 1.44 indicates that CURO should not have too much problems paying its short term obligations.
CURO has a Current ratio of 1.44. This is comparable to the rest of the industry: CURO outperforms 55.77% of its industry peers.
CURO has a Quick Ratio of 1.44. This is a normal value and indicates that CURO is financially healthy and should not expect problems in meeting its short term obligations.
Looking at the Quick ratio, with a value of 1.44, CURO is in line with its industry, outperforming 55.77% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.44 | ||
| Quick Ratio | 1.44 |
3. Growth
3.1 Past
CURO shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -483.10%.
The Revenue for CURO has decreased by -20.04% in the past year. This is quite bad
CURO shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -8.44% yearly.
EPS 1Y (TTM)-483.1%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-179.31%
Revenue 1Y (TTM)-20.04%
Revenue growth 3Y-7.42%
Revenue growth 5Y-8.44%
Sales Q2Q%-9.92%
3.2 Future
The Earnings Per Share is expected to grow by 29.82% on average over the next years. This is a very strong growth
Based on estimates for the next years, CURO will show a small growth in Revenue. The Revenue will grow by 4.43% on average per year.
EPS Next Y64.51%
EPS Next 2Y37.76%
EPS Next 3Y29.82%
EPS Next 5YN/A
Revenue Next Year-2.88%
Revenue Next 2Y2.88%
Revenue Next 3Y4.43%
Revenue Next 5YN/A
3.3 Evolution
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings Ratio is negative for CURO. In the last year negative earnings were reported.
Also next year CURO 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
The rest of the industry has a similar Enterprise Value to EBITDA ratio as CURO.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 20.49 |
4.3 Compensation for Growth
CURO's earnings are expected to grow with 29.82% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y37.76%
EPS Next 3Y29.82%
5. Dividend
5.1 Amount
CURO does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
NYSE:CURO (3/11/2024, 8:13:51 PM)
0.1929
-0.01 (-6.4%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners1.24%
Inst Owner Change-8.28%
Ins Owners12.63%
Ins Owner Change0%
Market Cap7.97M
Revenue(TTM)803.80M
Net Income(TTM)-409.60M
Analysts45.71
Price Target0.71 (268.07%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Yearly Dividend0.34
Dividend Growth(5Y)N/A
DP-0.12%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-47.45%
Min EPS beat(2)-90.63%
Max EPS beat(2)-4.26%
EPS beat(4)0
Avg EPS beat(4)-172.63%
Min EPS beat(4)-528.71%
Max EPS beat(4)-4.26%
EPS beat(8)3
Avg EPS beat(8)-267.12%
EPS beat(12)7
Avg EPS beat(12)-146.97%
EPS beat(16)10
Avg EPS beat(16)-100.78%
Revenue beat(2)0
Avg Revenue beat(2)-8.86%
Min Revenue beat(2)-15.56%
Max Revenue beat(2)-2.15%
Revenue beat(4)0
Avg Revenue beat(4)-6.1%
Min Revenue beat(4)-15.56%
Max Revenue beat(4)-1.79%
Revenue beat(8)2
Avg Revenue beat(8)-3.22%
Revenue beat(12)3
Avg Revenue beat(12)2.65%
Revenue beat(16)3
Avg Revenue beat(16)0.2%
PT rev (1m)-70%
PT rev (3m)-70%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.17%
EPS NY rev (1m)-1.54%
EPS NY rev (3m)-0.21%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)-0.09%
Revenue NY rev (3m)-0.09%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | N/A | ||
| P/S | 0.01 | ||
| P/FCF | N/A | ||
| P/OCF | 0.94 | ||
| P/B | N/A | ||
| P/tB | N/A | ||
| EV/EBITDA | 20.49 |
EPS(TTM)-4.14
EYN/A
EPS(NY)-1.56
Fwd EYN/A
FCF(TTM)-0.27
FCFYN/A
OCF(TTM)0.21
OCFY106.69%
SpS19.46
BVpS-9.64
TBVpS-18.13
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -23.05% | ||
| ROE | N/A | ||
| ROCE | 4.33% | ||
| ROIC | 3.42% | ||
| ROICexc | 3.6% | ||
| ROICexgc | 4.68% | ||
| OM | 8.81% | ||
| PM (TTM) | N/A | ||
| GM | N/A | ||
| FCFM | N/A |
ROA(3y)-6.4%
ROA(5y)-0.5%
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)4.51%
ROIC(5y)9.07%
ROICexc(3y)4.68%
ROICexc(5y)10.21%
ROICexgc(3y)6.21%
ROICexgc(5y)13.46%
ROCE(3y)5.71%
ROCE(5y)11.49%
ROICexgc growth 3Y-37.62%
ROICexgc growth 5Y-28.14%
ROICexc growth 3Y-37.14%
ROICexc growth 5Y-28.39%
OM growth 3Y-14.47%
OM growth 5Y-9.91%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.45
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | N/A | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | 21.27 | ||
| Cap/Depr | 80.74% | ||
| Cap/Sales | 2.45% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 8.93% | ||
| Profit Quality | N/A | ||
| Current Ratio | 1.44 | ||
| Quick Ratio | 1.44 | ||
| Altman-Z | 0.37 |
F-Score4
WACC5.29%
ROIC/WACC0.65
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-483.1%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-179.31%
EPS Next Y64.51%
EPS Next 2Y37.76%
EPS Next 3Y29.82%
EPS Next 5YN/A
Revenue 1Y (TTM)-20.04%
Revenue growth 3Y-7.42%
Revenue growth 5Y-8.44%
Sales Q2Q%-9.92%
Revenue Next Year-2.88%
Revenue Next 2Y2.88%
Revenue Next 3Y4.43%
Revenue Next 5YN/A
EBIT growth 1Y16.64%
EBIT growth 3Y-20.81%
EBIT growth 5Y-17.51%
EBIT Next Year-13.66%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-103.16%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-97.87%
OCF growth 3YN/A
OCF growth 5YN/A
CURO GROUP HOLDINGS CORP / CURO FAQ
What is the ChartMill fundamental rating of CURO GROUP HOLDINGS CORP (CURO) stock?
ChartMill assigns a fundamental rating of 2 / 10 to CURO.
Can you provide the valuation status for CURO GROUP HOLDINGS CORP?
ChartMill assigns a valuation rating of 1 / 10 to CURO GROUP HOLDINGS CORP (CURO). This can be considered as Overvalued.
What is the profitability of CURO stock?
CURO GROUP HOLDINGS CORP (CURO) has a profitability rating of 2 / 10.
What is the expected EPS growth for CURO GROUP HOLDINGS CORP (CURO) stock?
The Earnings per Share (EPS) of CURO GROUP HOLDINGS CORP (CURO) is expected to grow by 64.51% in the next year.