NICHOLAS FINANCIAL INC (NICK)
CA65373J2092 - Common Stock
Overall NICK gets a fundamental rating of 3 out of 10. We evaluated NICK against 51 industry peers in the Consumer Finance industry. While NICK has a great health rating, there are worries on its profitability. NICK does not seem to be growing, but still is valued expensively.
1. Profitability
1.1 Basic Checks
NICK had negative earnings in the past year.
In the past year NICK has reported a negative cash flow from operations.
In multiple years NICK reported negative net income over the last 5 years.
NICK had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
NICK has a worse Return On Assets (-60.65%) than 96.08% of its industry peers.
NICK has a worse Return On Equity (-61.62%) than 86.27% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -60.65% | ||
| ROE | -61.62% | ||
| ROIC | N/A |
ROA(3y)-8.46%
ROA(5y)-5.08%
ROE(3y)-10.98%
ROE(5y)-6.64%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
NICK does not have Profit Margin and Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
NICK does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for NICK has been reduced compared to 1 year ago.
NICK has less shares outstanding than it did 5 years ago.
NICK has a better debt/assets ratio than last year.
2.2 Solvency
NICK has an Altman-Z score of 31.99. This indicates that NICK is financially healthy and has little risk of bankruptcy at the moment.
NICK has a Altman-Z score of 31.99. This is amongst the best in the industry. NICK outperforms 100.00% of its industry peers.
NICK has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 31.99 |
ROIC/WACCN/A
WACC8.14%
2.3 Liquidity
NICK has a Current Ratio of 9.72. This indicates that NICK is financially healthy and has no problem in meeting its short term obligations.
Looking at the Current ratio, with a value of 9.72, NICK belongs to the top of the industry, outperforming 94.12% of the companies in the same industry.
A Quick Ratio of 9.72 indicates that NICK has no problem at all paying its short term obligations.
NICK has a better Quick ratio (9.72) than 94.12% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 9.72 | ||
| Quick Ratio | 9.72 |
3. Growth
3.1 Past
NICK shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -101.59%.
Looking at the last year, NICK shows a very negative growth in Revenue. The Revenue has decreased by -43.60% in the last year.
Measured over the past years, NICK shows a very negative growth in Revenue. The Revenue has been decreasing by -11.98% on average per year.
EPS 1Y (TTM)-101.59%
EPS 3YN/A
EPS 5YN/A
EPS growth Q2Q13.49%
Revenue 1Y (TTM)-43.6%
Revenue growth 3Y-10.62%
Revenue growth 5Y-11.98%
Revenue growth Q2Q-55.77%
3.2 Future
No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
4. Valuation
4.1 Price/Earnings Ratio
NICK reported negative earnings for the last year, which makes the 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
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
No dividends for NICK!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
NICHOLAS FINANCIAL INC
NASDAQ:NICK (5/6/2024, 7:17:25 PM)
6.63
-0.43 (-6.09%)
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 Cap48.33M
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 | -60.65% | ||
| ROE | -61.62% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| 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 | 0 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | 9.72 | ||
| Quick Ratio | 9.72 | ||
| 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)-101.59%
EPS 3YN/A
EPS 5Y
EPS growth Q2Q
EPS Next YN/A
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-43.6%
Revenue growth 3Y-10.62%
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