CURO GROUP HOLDINGS CORP (CURO)
US23131L1070 - Common Stock
Overall CURO gets a fundamental rating of 2 out of 10. We evaluated CURO against 51 industry peers in the Consumer Finance industry. CURO may be in some trouble as it scores bad on both profitability and health. 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.
CURO had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of -23.05%, CURO is doing worse than 86.54% of the companies in the same industry.
CURO has a better Return On Invested Capital (3.42%) than 61.54% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for CURO is below the industry average of 6.52%.
| 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
CURO has a Operating Margin of 8.81%. This is comparable to the rest of the industry: CURO outperforms 48.08% of its industry peers.
CURO's Operating Margin has declined in the last couple of years.
The Profit Margin and Gross Margin are not available for CURO so they could not be analyzed.
| 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
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), CURO is destroying value.
Compared to 1 year ago, CURO has more shares outstanding
CURO has less shares outstanding than it did 5 years ago.
The debt/assets ratio for CURO is higher compared to a year ago.
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.
CURO has a Altman-Z score (0.37) which is in line with its industry peers.
| 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.
A Quick Ratio of 1.44 indicates that CURO should not have too much problems paying its short term obligations.
CURO has a Quick ratio (1.44) which is in line with its industry peers.
| 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 growth Q2Q-179.31%
Revenue 1Y (TTM)-20.04%
Revenue growth 3Y-7.42%
Revenue growth 5Y-8.44%
Revenue growth 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
The Revenue is expected to grow by 4.43% on average over the next years.
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
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings Ratio is negative for CURO. In the last year negative earnings were reported.
Besides the negative Price/Earnings Ratio, also the Forward Price/Earnings Ratio is negative for CURO. No positive earnings are expected for the next year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | N/A |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of CURO is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 20.49 |
4.3 Compensation for Growth
A more expensive valuation may be justified as CURO's earnings are expected to grow with 29.82% in the coming years.
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 |
CURO GROUP HOLDINGS CORP
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 Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap7.97M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | N/A | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -23.05% | ||
| ROE | N/A | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | 8.81% | ||
| PM (TTM) | N/A | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.45
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | N/A | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | 1.44 | ||
| Quick Ratio | 1.44 | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-483.1%
EPS 3YN/A
EPS 5Y
EPS growth Q2Q
EPS Next Y64.51%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-20.04%
Revenue growth 3Y-7.42%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y