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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 1.20
CSH's Cash to Debt is ranked lower than
58% of the 245 Companies
in the Global Credit Services industry.

( Industry Median: 209.25 vs. CSH: 1.20 )
Ranked among companies with meaningful Cash to Debt only.
CSH' s 10-Year Cash to Debt Range
Min: 0.01  Med: 0.07 Max: 1.26
Current: 1.2
0.01
1.26
Equity to Asset 0.75
CSH's Equity to Asset is ranked higher than
85% of the 168 Companies
in the Global Credit Services industry.

( Industry Median: 0.36 vs. CSH: 0.75 )
Ranked among companies with meaningful Equity to Asset only.
CSH' s 10-Year Equity to Asset Range
Min: 0.42  Med: 0.54 Max: 0.75
Current: 0.75
0.42
0.75
Interest Coverage 1.24
CSH's Interest Coverage is ranked lower than
86% of the 167 Companies
in the Global Credit Services industry.

( Industry Median: 32.80 vs. CSH: 1.24 )
Ranked among companies with meaningful Interest Coverage only.
CSH' s 10-Year Interest Coverage Range
Min: 1.24  Med: 4.25 Max: 9.57
Current: 1.24
1.24
9.57
F-Score: 6
Z-Score: 3.14
M-Score: -3.77
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 (%) -4.01
CSH's Operating margin (%) is ranked lower than
85% of the 257 Companies
in the Global Credit Services industry.

( Industry Median: 20.61 vs. CSH: -4.01 )
Ranked among companies with meaningful Operating margin (%) only.
CSH' s 10-Year Operating margin (%) Range
Min: 3.01  Med: 12.49 Max: 16.02
Current: -4.01
3.01
16.02
Net-margin (%) 6.96
CSH's Net-margin (%) is ranked lower than
69% of the 259 Companies
in the Global Credit Services industry.

( Industry Median: 15.86 vs. CSH: 6.96 )
Ranked among companies with meaningful Net-margin (%) only.
CSH' s 10-Year Net-margin (%) Range
Min: -2.76  Med: 7.65 Max: 13.83
Current: 6.96
-2.76
13.83
ROE (%) 5.44
CSH's ROE (%) is ranked lower than
59% of the 255 Companies
in the Global Credit Services industry.

( Industry Median: 8.14 vs. CSH: 5.44 )
Ranked among companies with meaningful ROE (%) only.
CSH' s 10-Year ROE (%) Range
Min: -3.41  Med: 12.71 Max: 18.62
Current: 5.44
-3.41
18.62
ROA (%) 3.16
CSH's ROA (%) is ranked higher than
54% of the 268 Companies
in the Global Credit Services industry.

( Industry Median: 2.70 vs. CSH: 3.16 )
Ranked among companies with meaningful ROA (%) only.
CSH' s 10-Year ROA (%) Range
Min: -1.55  Med: 6.59 Max: 10.88
Current: 3.16
-1.55
10.88
ROC (Joel Greenblatt) (%) -5.51
CSH's ROC (Joel Greenblatt) (%) is ranked lower than
84% of the 260 Companies
in the Global Credit Services industry.

( Industry Median: 16.18 vs. CSH: -5.51 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
CSH' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 2.06  Med: 21.18 Max: 34.34
Current: -5.51
2.06
34.34
Revenue Growth (3Y)(%) -9.00
CSH's Revenue Growth (3Y)(%) is ranked lower than
76% of the 196 Companies
in the Global Credit Services industry.

( Industry Median: 4.00 vs. CSH: -9.00 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
CSH' s 10-Year Revenue Growth (3Y)(%) Range
Min: -14.3  Med: 12.70 Max: 31.3
Current: -9
-14.3
31.3
EBITDA Growth (3Y)(%) -33.80
CSH's EBITDA Growth (3Y)(%) is ranked lower than
80% of the 163 Companies
in the Global Credit Services industry.

( Industry Median: -4.00 vs. CSH: -33.80 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
CSH' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -33.8  Med: 11.80 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

Q2 2014

CSH Guru Trades in Q2 2014

Paul Tudor Jones 14,200 sh (+1.43%)
Chuck Royce 572,200 sh (-5.73%)
Jim Simons 8,100 sh (-75.39%)
» More
Q3 2014

CSH Guru Trades in Q3 2014

David Dreman 1,451 sh (New)
Jim Simons 48,400 sh (+497.53%)
Chuck Royce 583,300 sh (+1.94%)
Paul Tudor Jones 6,147 sh (-56.71%)
» More
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
» 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) 12.62
CSH's P/E(ttm) is ranked higher than
55% of the 202 Companies
in the Global Credit Services industry.

( Industry Median: 15.40 vs. CSH: 12.62 )
Ranked among companies with meaningful P/E(ttm) only.
CSH' s 10-Year P/E(ttm) Range
Min: 2.08  Med: 5.53 Max: 13.65
Current: 12.62
2.08
13.65
Forward P/E 4.74
CSH's Forward P/E is ranked higher than
95% of the 65 Companies
in the Global Credit Services industry.

( Industry Median: 11.07 vs. CSH: 4.74 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 12.60
CSH's PE(NRI) is ranked higher than
57% of the 203 Companies
in the Global Credit Services industry.

( Industry Median: 15.90 vs. CSH: 12.60 )
Ranked among companies with meaningful PE(NRI) only.
CSH' s 10-Year PE(NRI) Range
Min: 2.08  Med: 5.92 Max: 13.67
Current: 12.6
2.08
13.67
P/B 0.66
CSH's P/B is ranked higher than
73% of the 246 Companies
in the Global Credit Services industry.

( Industry Median: 1.18 vs. CSH: 0.66 )
Ranked among companies with meaningful P/B only.
CSH' s 10-Year P/B Range
Min: 0.27  Med: 0.69 Max: 1.45
Current: 0.66
0.27
1.45
P/S 0.87
CSH's P/S is ranked higher than
86% of the 254 Companies
in the Global Credit Services industry.

( Industry Median: 3.35 vs. CSH: 0.87 )
Ranked among companies with meaningful P/S only.
CSH' s 10-Year P/S Range
Min: 0.16  Med: 0.50 Max: 0.96
Current: 0.87
0.16
0.96
PFCF 2.06
CSH's PFCF is ranked higher than
86% of the 64 Companies
in the Global Credit Services industry.

( Industry Median: 9.12 vs. CSH: 2.06 )
Ranked among companies with meaningful PFCF only.
CSH' s 10-Year PFCF Range
Min: 0.83  Med: 2.10 Max: 7.71
Current: 2.06
0.83
7.71
POCF 1.90
CSH's POCF is ranked higher than
89% of the 89 Companies
in the Global Credit Services industry.

( Industry Median: 8.21 vs. CSH: 1.90 )
Ranked among companies with meaningful POCF only.
CSH' s 10-Year POCF Range
Min: 0.66  Med: 1.73 Max: 4.96
Current: 1.9
0.66
4.96
Shiller P/E 6.86
CSH's Shiller P/E is ranked higher than
84% of the 87 Companies
in the Global Credit Services industry.

( Industry Median: 13.64 vs. CSH: 6.86 )
Ranked among companies with meaningful Shiller P/E only.
CSH' s 10-Year Shiller P/E Range
Min: 2.52  Med: 6.78 Max: 23.35
Current: 6.86
2.52
23.35
Current Ratio 7.05
CSH's Current Ratio is ranked higher than
82% of the 125 Companies
in the Global Credit Services industry.

( Industry Median: 2.17 vs. CSH: 7.05 )
Ranked among companies with meaningful Current Ratio only.
CSH' s 10-Year Current Ratio Range
Min: 2.43  Med: 5.52 Max: 12.61
Current: 7.05
2.43
12.61
Quick Ratio 5.20
CSH's Quick Ratio is ranked higher than
75% of the 125 Companies
in the Global Credit Services industry.

( Industry Median: 2.02 vs. CSH: 5.20 )
Ranked among companies with meaningful Quick Ratio only.
CSH' s 10-Year Quick Ratio Range
Min: 1.84  Med: 4.51 Max: 9.12
Current: 5.2
1.84
9.12
Days Inventory 171.78
CSH's Days Inventory is ranked lower than
80% of the 51 Companies
in the Global Credit Services industry.

( Industry Median: 28.60 vs. CSH: 171.78 )
Ranked among companies with meaningful Days Inventory only.
CSH' s 10-Year Days Inventory Range
Min: 3.61  Med: 78.82 Max: 154.69
Current: 171.78
3.61
154.69
Days Sales Outstanding 120.67
CSH's Days Sales Outstanding is ranked lower than
77% of the 176 Companies
in the Global Credit Services industry.

( Industry Median: 26.32 vs. CSH: 120.67 )
Ranked among companies with meaningful Days Sales Outstanding only.
CSH' s 10-Year Days Sales Outstanding Range
Min: 13.34  Med: 30.40 Max: 284.89
Current: 120.67
13.34
284.89

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.65
CSH's Dividend Yield is ranked lower than
84% of the 234 Companies
in the Global Credit Services industry.

( Industry Median: 2.40 vs. CSH: 0.65 )
Ranked among companies with meaningful Dividend Yield only.
CSH' s 10-Year Dividend Yield Range
Min: 0.47  Med: 0.74 Max: 2.56
Current: 0.65
0.47
2.56
Dividend Payout 0.04
CSH's Dividend Payout is ranked higher than
99% of the 131 Companies
in the Global Credit Services industry.

( Industry Median: 0.29 vs. CSH: 0.04 )
Ranked among companies with meaningful Dividend Payout only.
CSH' s 10-Year Dividend Payout Range
Min: 0.02  Med: 0.06 Max: 0.65
Current: 0.04
0.02
0.65
Yield on cost (5-Year) 0.65
CSH's Yield on cost (5-Year) is ranked lower than
89% of the 235 Companies
in the Global Credit Services industry.

( Industry Median: 3.19 vs. CSH: 0.65 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
CSH' s 10-Year Yield on cost (5-Year) Range
Min: 0.47  Med: 0.74 Max: 2.56
Current: 0.65
0.47
2.56
Share Buyback Rate 2.80
CSH's Share Buyback Rate is ranked higher than
77% of the 122 Companies
in the Global Credit Services industry.

( Industry Median: -3.50 vs. CSH: 2.80 )
Ranked among companies with meaningful Share Buyback Rate only.
CSH' s 10-Year Share Buyback Rate Range
Min: 9.1  Med: -0.90 Max: -15.3
Current: 2.8

Valuation & Return

vs
industry
vs
history
Price/Net Current Asset Value 1.94
CSH's Price/Net Current Asset Value is ranked higher than
60% of the 63 Companies
in the Global Credit Services industry.

( Industry Median: 3.09 vs. CSH: 1.94 )
Ranked among companies with meaningful Price/Net Current Asset Value only.
CSH' s 10-Year Price/Net Current Asset Value Range
Min: 1.65  Med: 5.60 Max: 264.65
Current: 1.94
1.65
264.65
Price/Tangible Book 1.26
CSH's Price/Tangible Book is ranked lower than
51% of the 240 Companies
in the Global Credit Services industry.

( Industry Median: 1.24 vs. CSH: 1.26 )
Ranked among companies with meaningful Price/Tangible Book only.
CSH' s 10-Year Price/Tangible Book Range
Min: 0.51  Med: 1.59 Max: 7.9
Current: 1.26
0.51
7.9
Price/Projected FCF 0.17
CSH's Price/Projected FCF is ranked higher than
92% of the 75 Companies
in the Global Credit Services industry.

( Industry Median: 0.89 vs. CSH: 0.17 )
Ranked among companies with meaningful Price/Projected FCF only.
CSH' s 10-Year Price/Projected FCF Range
Min: 0.09  Med: 0.31 Max: 1.83
Current: 0.17
0.09
1.83
Price/Median PS Value 1.74
CSH's Price/Median PS Value is ranked lower than
80% of the 229 Companies
in the Global Credit Services industry.

( Industry Median: 1.00 vs. CSH: 1.74 )
Ranked among companies with meaningful Price/Median PS Value only.
CSH' s 10-Year Price/Median PS Value Range
Min: 0.29  Med: 0.86 Max: 1.87
Current: 1.74
0.29
1.87
Price/Graham Number 0.82
CSH's Price/Graham Number is ranked higher than
59% of the 124 Companies
in the Global Credit Services industry.

( Industry Median: 0.90 vs. CSH: 0.82 )
Ranked among companies with meaningful Price/Graham Number only.
CSH' s 10-Year Price/Graham Number Range
Min: 0.4  Med: 0.73 Max: 1.29
Current: 0.82
0.4
1.29
Earnings Yield (Greenblatt) (%) -7.09
CSH's Earnings Yield (Greenblatt) (%) is ranked lower than
92% of the 249 Companies
in the Global Credit Services industry.

( Industry Median: 3.80 vs. CSH: -7.09 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
CSH' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 0.8  Med: 18.65 Max: 27.3
Current: -7.09
0.8
27.3
Forward Rate of Return (Yacktman) (%) 15.11
CSH's Forward Rate of Return (Yacktman) (%) is ranked higher than
68% of the 74 Companies
in the Global Credit Services industry.

( Industry Median: 0.61 vs. CSH: 15.11 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
CSH' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: 10.9  Med: 52.50 Max: 112.2
Current: 15.11
10.9
112.2

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.
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