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NICHOLAS FINANCIAL INC (NICK) Stock Fundamental Analysis

USA - Nasdaq - NASDAQ:NICK - US65373A1097 - Common Stock

6.19 USD
-0.01 (-0.16%)
Last: 9/27/2024, 8:09:46 PM
6.749 USD
+0.56 (+9.03%)
After Hours: 9/20/2024, 8:10:35 PM
Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to NICK. NICK was compared to 55 industry peers in the Consumer Finance industry. No worries on liquidiy or solvency for NICK as it has an excellent financial health rating, but there are worries on the profitability. NICK is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

In the past year NICK has reported negative net income.
In the past year NICK has reported a negative cash flow from operations.
The reported net income has been mixed in the past 5 years: NICK reported negative net income in multiple years.
NICK had a positive operating cash flow in 4 of the past 5 years.
NICK Yearly Net Income VS EBIT VS OCF VS FCFNICK 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 20M -20M

1.2 Ratios

With a Return On Assets value of -60.65%, NICK is not doing good in the industry: 96.15% of the companies in the same industry are doing better.
NICK has a Return On Equity of -61.62%. This is amonst the worse of the industry: NICK underperforms 86.54% of its industry peers.
Industry RankSector 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
NICK Yearly ROA, ROE, ROICNICK Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 0 10 -10 -20 -30 -40

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 RankSector 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
NICK Yearly Profit, Operating, Gross MarginsNICK 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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9

2. Health

2.1 Basic Checks

NICK does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, NICK has less shares outstanding
Compared to 1 year ago, NICK has an improved debt to assets ratio.
NICK Yearly Shares OutstandingNICK Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2M 4M 6M
NICK Yearly Total Debt VS Total AssetsNICK Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 100M 200M 300M

2.2 Solvency

An Altman-Z score of 29.97 indicates that NICK is not in any danger for bankruptcy at the moment.
NICK has a better Altman-Z score (29.97) than 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 RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Altman-Z 29.97
ROIC/WACCN/A
WACC7.31%
NICK Yearly LT Debt VS Equity VS FCFNICK Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 0 50M 100M 150M 200M

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.
The Current ratio of NICK (9.72) is better than 92.31% of its industry peers.
A Quick Ratio of 9.72 indicates that NICK has no problem at all paying its short term obligations.
With an excellent Quick ratio value of 9.72, NICK belongs to the best of the industry, outperforming 92.31% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 9.72
Quick Ratio 9.72
NICK Yearly Current Assets VS Current LiabilitesNICK Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 10M 20M 30M

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0

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%.
The Revenue for NICK has decreased by -43.60% in the past year. This is quite bad
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 Q2Q%13.49%
Revenue 1Y (TTM)-43.6%
Revenue growth 3Y-10.62%
Revenue growth 5Y-11.98%
Sales 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.
NICK Yearly Revenue VS EstimatesNICK Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 20M 40M 60M 80M

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0

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for NICK. In the last year negative earnings were reported.
Industry RankSector Rank
PE N/A
Fwd PE N/A
NICK Price Earnings VS Forward Price EarningsNICK Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0 0 0 0 0 0 0

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
NICK Per share dataNICK EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 -2 4 -4 6 8

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

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

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NICHOLAS FINANCIAL INC

NASDAQ:NICK (9/27/2024, 8:09:46 PM)

After market: 6.749 +0.56 (+9.03%)

6.19

-0.01 (-0.16%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)06-19 2024-06-19/amc
Earnings (Next)N/A N/A
Inst Owners61.43%
Inst Owner Change0%
Ins Owners52.35%
Ins Owner Change0%
Market Cap45.19M
Revenue(TTM)27.09M
Net Income(TTM)-36.39M
Analysts0
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP0%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 1.67
P/FCF N/A
P/OCF N/A
P/B 0.77
P/tB 0.77
EV/EBITDA N/A
EPS(TTM)-5
EYN/A
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)-0.04
FCFYN/A
OCF(TTM)-0.03
OCFYN/A
SpS3.71
BVpS8.09
TBVpS8.09
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA -60.65%
ROE -61.62%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM 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
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc 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 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.45
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 9.72
Quick Ratio 9.72
Altman-Z 29.97
F-Score4
WACC7.31%
ROIC/WACCN/A
Cap/Depr(3y)200.41%
Cap/Depr(5y)138.85%
Cap/Sales(3y)1.29%
Cap/Sales(5y)0.88%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-101.59%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%13.49%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-43.6%
Revenue growth 3Y-10.62%
Revenue growth 5Y-11.98%
Sales Q2Q%-55.77%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-161.11%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-104.04%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-102.68%
OCF growth 3YN/A
OCF growth 5YN/A

NICHOLAS FINANCIAL INC / NICK FAQ

Can you provide the ChartMill fundamental rating for NICHOLAS FINANCIAL INC?

ChartMill assigns a fundamental rating of 3 / 10 to NICK.


Can you provide the valuation status for NICHOLAS FINANCIAL INC?

ChartMill assigns a valuation rating of 0 / 10 to NICHOLAS FINANCIAL INC (NICK). This can be considered as Overvalued.


What is the profitability of NICK stock?

NICHOLAS FINANCIAL INC (NICK) has a profitability rating of 1 / 10.


Can you provide the financial health for NICK stock?

The financial health rating of NICHOLAS FINANCIAL INC (NICK) is 9 / 10.


Can you provide the dividend sustainability for NICK stock?

The dividend rating of NICHOLAS FINANCIAL INC (NICK) is 0 / 10 and the dividend payout ratio is 0%.