CURO GROUP HOLDINGS CORP (CURO) Fundamental Analysis & Valuation

NYSE:CURO • US23131L1070

Current stock price

0.1929 USD
-0.01 (-6.4%)
Last:

This CURO fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. CURO Profitability Analysis

1.1 Basic Checks

  • In the past year CURO has reported negative net income.
  • In the past year CURO had a positive cash flow from operations.
  • The reported net income has been mixed in the past 5 years: CURO reported negative net income in multiple years.
  • CURO had a positive operating cash flow in 4 of the past 5 years.
CURO Yearly Net Income VS EBIT VS OCF VS FCFCURO Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 0 200M -200M 400M 600M

1.2 Ratios

  • CURO has a Return On Assets of -23.05%. This is amonst the worse of the industry: CURO underperforms 86.54% of its industry peers.
  • The Return On Invested Capital of CURO (3.42%) is better than 61.54% of its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital for CURO is significantly below the industry average of 12.42%.
Industry RankSector 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%
CURO Yearly ROA, ROE, ROICCURO Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 0 200 400 600

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 RankSector 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
CURO Yearly Profit, Operating, Gross MarginsCURO Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 0 20 -20 40 60

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2

2. CURO Health Analysis

2.1 Basic Checks

  • CURO has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
  • Compared to 1 year ago, CURO has more shares outstanding
  • CURO has a worse debt/assets ratio than last year.
CURO Yearly Shares OutstandingCURO Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 10M 20M 30M 40M
CURO Yearly Total Debt VS Total AssetsCURO Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 500M 1B 1.5B 2B 2.5B

2.2 Solvency

  • CURO has an Altman-Z score of 0.37. This is a bad value and indicates that CURO is not financially healthy and even has some risk of bankruptcy.
  • Looking at the Altman-Z score, with a value of 0.37, CURO is in line with its industry, outperforming 42.31% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity N/A
Debt/FCF N/A
Altman-Z 0.37
ROIC/WACC0.65
WACC5.29%
CURO Yearly LT Debt VS Equity VS FCFCURO Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 0 1B 2B

2.3 Liquidity

  • CURO has a Current 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.
  • 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 RankSector Rank
Current Ratio 1.44
Quick Ratio 1.44
CURO Yearly Current Assets VS Current LiabilitesCURO Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 100M 200M 300M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. CURO Growth Analysis

3.1 Past

  • The earnings per share for CURO have decreased strongly by -483.10% in the last year.
  • CURO shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -20.04%.
  • Measured over the past years, CURO shows a decrease in Revenue. The Revenue has been decreasing by -8.44% on average per year.
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

  • CURO is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 29.82% yearly.
  • 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

  • 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.
CURO Yearly Revenue VS EstimatesCURO Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 200M 400M 600M 800M 1B
CURO Yearly EPS VS EstimatesCURO Yearly EPS VS EstimatesYearly EPS VS Estimates 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0 2 -2 -4

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1

4. CURO Valuation Analysis

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 RankSector Rank
PE N/A
Fwd PE N/A
CURO Price Earnings VS Forward Price EarningsCURO Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 5 10 15 20 25

4.2 Price Multiples

  • CURO's Enterprise Value to EBITDA ratio is in line with the industry average.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 20.49
CURO Per share dataCURO EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 10 -10

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%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. CURO Dividend Analysis

5.1 Amount

  • CURO does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

More info and screens

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CURO Fundamentals: All Metrics, Ratios and Statistics

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)02-05
Earnings (Next)05-08
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 RankSector 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 RankSector 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 RankSector 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 RankSector 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 Fundamental Analysis FAQ

What is the ChartMill fundamental rating of CURO GROUP HOLDINGS CORP (CURO) stock?

ChartMill assigns a fundamental rating of 2 / 10 to CURO.


What is the valuation status for CURO stock?

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 financial health of CURO GROUP HOLDINGS CORP (CURO) stock?

The financial health rating of CURO GROUP HOLDINGS CORP (CURO) is 2 / 10.


Is the dividend of CURO GROUP HOLDINGS CORP sustainable?

The dividend rating of CURO GROUP HOLDINGS CORP (CURO) is 0 / 10 and the dividend payout ratio is -0.12%.