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Also traded in: Germany

GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 7/10

vs
industry
vs
history
Cash to Debt 0.31
CSH's Cash to Debt is ranked lower than
55% of the 289 Companies
in the Global Credit Services industry.

( Industry Median: 0.69 vs. CSH: 0.31 )
Ranked among companies with meaningful Cash to Debt only.
CSH' s Cash to Debt Range Over the Past 10 Years
Min: 0.01  Med: 0.08 Max: 1.26
Current: 0.31
0.01
1.26
Equity to Asset 0.72
CSH's Equity to Asset is ranked higher than
70% of the 300 Companies
in the Global Credit Services industry.

( Industry Median: 0.46 vs. CSH: 0.72 )
Ranked among companies with meaningful Equity to Asset only.
CSH' s Equity to Asset Range Over the Past 10 Years
Min: 0.42  Med: 0.54 Max: 0.75
Current: 0.72
0.42
0.75
Interest Coverage 3.89
CSH's Interest Coverage is ranked lower than
55% of the 241 Companies
in the Global Credit Services industry.

( Industry Median: 5.06 vs. CSH: 3.89 )
Ranked among companies with meaningful Interest Coverage only.
CSH' s Interest Coverage Range Over the Past 10 Years
Min: 1.24  Med: 8.39 Max: 9.57
Current: 3.89
1.24
9.57
F-Score: 7
Z-Score: 3.62
M-Score: -2.65
WACC vs ROIC
7.86%
3.21%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 5/10

vs
industry
vs
history
Operating margin (%) 5.47
CSH's Operating margin (%) is ranked lower than
69% of the 308 Companies
in the Global Credit Services industry.

( Industry Median: 17.70 vs. CSH: 5.47 )
Ranked among companies with meaningful Operating margin (%) only.
CSH' s Operating margin (%) Range Over the Past 10 Years
Min: 3.01  Med: 14.40 Max: 16.02
Current: 5.47
3.01
16.02
Net-margin (%) 2.68
CSH's Net-margin (%) is ranked lower than
70% of the 309 Companies
in the Global Credit Services industry.

( Industry Median: 13.66 vs. CSH: 2.68 )
Ranked among companies with meaningful Net-margin (%) only.
CSH' s Net-margin (%) Range Over the Past 10 Years
Min: 7.56  Med: 8.70 Max: 13.83
Current: 2.68
7.56
13.83
ROE (%) 2.59
CSH's ROE (%) is ranked lower than
62% of the 302 Companies
in the Global Credit Services industry.

( Industry Median: 6.09 vs. CSH: 2.59 )
Ranked among companies with meaningful ROE (%) only.
CSH' s ROE (%) Range Over the Past 10 Years
Min: 8.9  Med: 15.05 Max: 16.93
Current: 2.59
8.9
16.93
ROA (%) 1.91
CSH's ROA (%) is ranked higher than
52% of the 319 Companies
in the Global Credit Services industry.

( Industry Median: 2.20 vs. CSH: 1.91 )
Ranked among companies with meaningful ROA (%) only.
CSH' s ROA (%) Range Over the Past 10 Years
Min: 4.9  Med: 7.84 Max: 9.44
Current: 1.91
4.9
9.44
ROC (Joel Greenblatt) (%) 8.82
CSH's ROC (Joel Greenblatt) (%) is ranked lower than
57% of the 249 Companies
in the Global Credit Services industry.

( Industry Median: 11.57 vs. CSH: 8.82 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
CSH' s ROC (Joel Greenblatt) (%) Range Over the Past 10 Years
Min: 2.06  Med: 31.10 Max: 34.34
Current: 8.82
2.06
34.34
Revenue Growth (3Y)(%) -9.00
CSH's Revenue Growth (3Y)(%) is ranked lower than
73% of the 223 Companies
in the Global Credit Services industry.

( Industry Median: 4.50 vs. CSH: -9.00 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
CSH' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -14.3  Med: 6.90 Max: 31.3
Current: -9
-14.3
31.3
EBITDA Growth (3Y)(%) -33.80
CSH's EBITDA Growth (3Y)(%) is ranked lower than
85% of the 196 Companies
in the Global Credit Services industry.

( Industry Median: 9.60 vs. CSH: -33.80 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
CSH' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -33.8  Med: 10.40 Max: 50.9
Current: -33.8
-33.8
50.9
» CSH's 10-Y Financials

Financials


Revenue & Net Income
Cash & Debt
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q4 2014

CSH Guru Trades in Q4 2014

Jim Simons 235,900 sh (+387.40%)
Paul Tudor Jones 21,600 sh (+251.39%)
David Dreman 1,451 sh (unchged)
Chuck Royce 275,800 sh (-52.72%)
» More
Q1 2015

CSH Guru Trades in Q1 2015

Jim Simons 438,363 sh (+85.83%)
David Dreman Sold Out
Paul Tudor Jones Sold Out
Chuck Royce Sold Out
» More
Q2 2015

CSH Guru Trades in Q2 2015

Paul Tudor Jones 8,691 sh (New)
Joel Greenblatt 24,510 sh (New)
Jim Simons 404,000 sh (-7.84%)
» More
Q3 2015

CSH Guru Trades in Q3 2015

Jeremy Grantham 50,300 sh (New)
Paul Tudor Jones 15,168 sh (+74.53%)
Joel Greenblatt 20,994 sh (-14.35%)
Jim Simons 156,300 sh (-61.31%)
» More
» Details

Insider Trades

Latest Guru Trades with CSH

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Ratios

vs
industry
vs
history
P/E(ttm) 22.80
CSH's P/E(ttm) is ranked lower than
65% of the 336 Companies
in the Global Credit Services industry.

( Industry Median: 13.80 vs. CSH: 22.80 )
Ranked among companies with meaningful P/E(ttm) only.
CSH' s P/E(ttm) Range Over the Past 10 Years
Min: 2.08  Med: 5.54 Max: 26.98
Current: 22.8
2.08
26.98
Forward P/E 4.74
CSH's Forward P/E is ranked higher than
88% of the 141 Companies
in the Global Credit Services industry.

( Industry Median: 9.62 vs. CSH: 4.74 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 36.90
CSH's PE(NRI) is ranked lower than
78% of the 254 Companies
in the Global Credit Services industry.

( Industry Median: 13.90 vs. CSH: 36.90 )
Ranked among companies with meaningful PE(NRI) only.
CSH' s PE(NRI) Range Over the Past 10 Years
Min: 2.08  Med: 5.82 Max: 95.83
Current: 36.9
2.08
95.83
P/B 0.75
CSH's P/B is ranked higher than
73% of the 408 Companies
in the Global Credit Services industry.

( Industry Median: 1.09 vs. CSH: 0.75 )
Ranked among companies with meaningful P/B only.
CSH' s P/B Range Over the Past 10 Years
Min: 0.27  Med: 0.68 Max: 1.45
Current: 0.75
0.27
1.45
P/S 0.80
CSH's P/S is ranked higher than
87% of the 409 Companies
in the Global Credit Services industry.

( Industry Median: 2.56 vs. CSH: 0.80 )
Ranked among companies with meaningful P/S only.
CSH' s P/S Range Over the Past 10 Years
Min: 0.16  Med: 0.50 Max: 1.41
Current: 0.8
0.16
1.41
PFCF 5.30
CSH's PFCF is ranked higher than
74% of the 129 Companies
in the Global Credit Services industry.

( Industry Median: 11.12 vs. CSH: 5.30 )
Ranked among companies with meaningful PFCF only.
CSH' s PFCF Range Over the Past 10 Years
Min: 0.83  Med: 2.11 Max: 7.02
Current: 5.3
0.83
7.02
POCF 4.79
CSH's POCF is ranked higher than
75% of the 163 Companies
in the Global Credit Services industry.

( Industry Median: 8.51 vs. CSH: 4.79 )
Ranked among companies with meaningful POCF only.
CSH' s POCF Range Over the Past 10 Years
Min: 0.66  Med: 1.74 Max: 5.66
Current: 4.79
0.66
5.66
EV-to-EBIT 17.04
CSH's EV-to-EBIT is ranked higher than
54% of the 340 Companies
in the Global Credit Services industry.

( Industry Median: 17.15 vs. CSH: 17.04 )
Ranked among companies with meaningful EV-to-EBIT only.
CSH' s EV-to-EBIT Range Over the Past 10 Years
Min: -21.2  Med: 5.30 Max: 61.5
Current: 17.04
-21.2
61.5
EV-to-EBITDA 7.96
CSH's EV-to-EBITDA is ranked higher than
79% of the 347 Companies
in the Global Credit Services industry.

( Industry Median: 15.59 vs. CSH: 7.96 )
Ranked among companies with meaningful EV-to-EBITDA only.
CSH' s EV-to-EBITDA Range Over the Past 10 Years
Min: -37.8  Med: 4.30 Max: 60.2
Current: 7.96
-37.8
60.2
Shiller P/E 8.89
CSH's Shiller P/E is ranked higher than
71% of the 51 Companies
in the Global Credit Services industry.

( Industry Median: 13.74 vs. CSH: 8.89 )
Ranked among companies with meaningful Shiller P/E only.
CSH' s Shiller P/E Range Over the Past 10 Years
Min: 4.04  Med: 8.73 Max: 25.61
Current: 8.89
4.04
25.61
Current Ratio 6.92
CSH's Current Ratio is ranked higher than
65% of the 237 Companies
in the Global Credit Services industry.

( Industry Median: 2.76 vs. CSH: 6.92 )
Ranked among companies with meaningful Current Ratio only.
CSH' s Current Ratio Range Over the Past 10 Years
Min: 2.43  Med: 5.52 Max: 12.12
Current: 6.92
2.43
12.12
Quick Ratio 4.57
CSH's Quick Ratio is ranked higher than
59% of the 237 Companies
in the Global Credit Services industry.

( Industry Median: 2.46 vs. CSH: 4.57 )
Ranked among companies with meaningful Quick Ratio only.
CSH' s Quick Ratio Range Over the Past 10 Years
Min: 1.84  Med: 4.51 Max: 9.12
Current: 4.57
1.84
9.12
Days Inventory 171.73
CSH's Days Inventory is ranked lower than
79% of the 66 Companies
in the Global Credit Services industry.

( Industry Median: 32.12 vs. CSH: 171.73 )
Ranked among companies with meaningful Days Inventory only.
CSH' s Days Inventory Range Over the Past 10 Years
Min: 77.6  Med: 132.62 Max: 154.69
Current: 171.73
77.6
154.69
Days Sales Outstanding 117.99
CSH's Days Sales Outstanding is ranked lower than
75% of the 155 Companies
in the Global Credit Services industry.

( Industry Median: 31.48 vs. CSH: 117.99 )
Ranked among companies with meaningful Days Sales Outstanding only.
CSH' s Days Sales Outstanding Range Over the Past 10 Years
Min: 13.34  Med: 110.65 Max: 284.89
Current: 117.99
13.34
284.89

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.68
CSH's Dividend Yield is ranked lower than
87% of the 268 Companies
in the Global Credit Services industry.

( Industry Median: 8.00 vs. CSH: 0.68 )
Ranked among companies with meaningful Dividend Yield only.
CSH' s Dividend Yield Range Over the Past 10 Years
Min: 0.47  Med: 0.73 Max: 2.56
Current: 0.68
0.47
2.56
Dividend Payout 0.23
CSH's Dividend Payout is ranked higher than
75% of the 148 Companies
in the Global Credit Services industry.

( Industry Median: 0.28 vs. CSH: 0.23 )
Ranked among companies with meaningful Dividend Payout only.
CSH' s Dividend Payout Range Over the Past 10 Years
Min: 0.02  Med: 0.06 Max: 0.65
Current: 0.23
0.02
0.65
Forward Dividend Yield 1.08
CSH's Forward Dividend Yield is ranked lower than
90% of the 231 Companies
in the Global Credit Services industry.

( Industry Median: 3.03 vs. CSH: 1.08 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 0.71
CSH's Yield on cost (5-Year) is ranked lower than
89% of the 269 Companies
in the Global Credit Services industry.

( Industry Median: 3.74 vs. CSH: 0.71 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
CSH' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0.47  Med: 0.73 Max: 2.56
Current: 0.71
0.47
2.56
3-Year Average Share Buyback Ratio 2.80
CSH's 3-Year Average Share Buyback Ratio is ranked higher than
88% of the 145 Companies
in the Global Credit Services industry.

( Industry Median: -4.80 vs. CSH: 2.80 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
CSH' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -15.3  Med: -0.90 Max: 9.1
Current: 2.8
-15.3
9.1

Valuation & Return

vs
industry
vs
history
Price/Net Current Asset Value 2.43
CSH's Price/Net Current Asset Value is ranked higher than
51% of the 198 Companies
in the Global Credit Services industry.

( Industry Median: 2.59 vs. CSH: 2.43 )
Ranked among companies with meaningful Price/Net Current Asset Value only.
CSH' s Price/Net Current Asset Value Range Over the Past 10 Years
Min: 1.65  Med: 5.60 Max: 264.67
Current: 2.43
1.65
264.67
Price/Tangible Book 1.59
CSH's Price/Tangible Book is ranked lower than
58% of the 380 Companies
in the Global Credit Services industry.

( Industry Median: 1.24 vs. CSH: 1.59 )
Ranked among companies with meaningful Price/Tangible Book only.
CSH' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.5  Med: 1.57 Max: 7.9
Current: 1.59
0.5
7.9
Price/Projected FCF 0.18
CSH's Price/Projected FCF is ranked higher than
88% of the 133 Companies
in the Global Credit Services industry.

( Industry Median: 0.85 vs. CSH: 0.18 )
Ranked among companies with meaningful Price/Projected FCF only.
CSH' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.09  Med: 0.28 Max: 1.83
Current: 0.18
0.09
1.83
Price/Median PS Value 1.59
CSH's Price/Median PS Value is ranked higher than
54% of the 355 Companies
in the Global Credit Services industry.

( Industry Median: 0.95 vs. CSH: 1.59 )
Ranked among companies with meaningful Price/Median PS Value only.
CSH' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.29  Med: 0.88 Max: 2.23
Current: 1.59
0.29
2.23
Price/Graham Number 1.58
CSH's Price/Graham Number is ranked lower than
68% of the 311 Companies
in the Global Credit Services industry.

( Industry Median: 0.92 vs. CSH: 1.58 )
Ranked among companies with meaningful Price/Graham Number only.
CSH' s Price/Graham Number Range Over the Past 10 Years
Min: 0.4  Med: 0.75 Max: 2.28
Current: 1.58
0.4
2.28
Earnings Yield (Greenblatt) (%) 5.90
CSH's Earnings Yield (Greenblatt) (%) is ranked higher than
65% of the 296 Companies
in the Global Credit Services industry.

( Industry Median: 3.50 vs. CSH: 5.90 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
CSH' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 1.6  Med: 18.60 Max: 27.2
Current: 5.9
1.6
27.2
Forward Rate of Return (Yacktman) (%) 27.17
CSH's Forward Rate of Return (Yacktman) (%) is ranked higher than
84% of the 80 Companies
in the Global Credit Services industry.

( Industry Median: 6.83 vs. CSH: 27.17 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
CSH' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: 10.9  Med: 52.30 Max: 110.5
Current: 27.17
10.9
110.5

More Statistics

Revenue(Mil) $1029
EPS $ 1.03
Beta0.84
Short Percentage of Float5.79%
52-Week Range $20.23 - 35.32
Shares Outstanding(Mil)25.41

Latest Earnings Webcast

» More Conference Calls

Business Description

Industry: Credit Services » Credit Services
Compare:V, MA, TCAP, DFS, COF » details
Traded in other countries:CIG.Germany,
Cash America International Inc was incorporated in 1984. The Company and its subsidiaries provide specialty financial services to individuals through retail services locations and e-commerce activities. It has two reportable segments: retail services and e-commerce. The retail services segment includes all of the operations of the Company's Retail Services Division, which is composed of both domestic and foreign storefront locations that offer some or all of the following services: pawn lending, consumer loans, check cashing and other ancillary services such as money orders, wire transfers and pre-paid debit cards. (Its ancillary services are provided through third-party vendors.) The e-commerce segment includes the operations of the Company's E-Commerce Division, which is composed of the Company's domestic and foreign online lending channels and the Company's MLOC channel. It offers short-term cash advances exclusively over the internet under the name CashNetUSA in the United States, under the name QuickQuid in the United Kingdom and under the name DollarsDirect in Australia and Canada. The Company operates its locations under the trade names Cash America Pawn, Cash America Payday Advance, Cashland, Mr. Payroll, SuperPawn, CashNetUSA QuickQuid, DollarsDirect and Prenda Facil. The Company's marks Cash America, Cashland, SuperPawn, CashNetUSA and Mr. Payroll are registered with the United States Patent and Trademark Office. The mark Prenda Facil is registered with the Mexican Industrial Property Institute. The principal competitors for its e-commerce segment in the United States include Miami Nation Enterprises, Integrity Advance, Think Finance and certain offshore lenders. In the United Kingdom, the Company believes that its principal online competitors include PaydayUK, PaydayExpress, Wonga and Lending Stream. In Australia, the Company believes its main online competitors are Nimble, Cash Converters and First Stop Money. In Canada, the industry has been dominated by storefront lenders and as a result, the Company's principal competitors are not online lenders but storefront lenders, such as Money Mart, The Cash Store and Cash Money. The Company's operations are subject to regulation, supervision and licensing under various federal, state and local statutes, ordinances and regulations.
» More Articles for CSH

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