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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 : 8/10

vs
industry
vs
history
Cash to Debt 0.09
CSH's Cash to Debt is ranked higher than
63% of the 124 Companies
in the Global Credit Services industry.

( Industry Median: 0.12 vs. CSH: 0.09 )
CSH' s 10-Year Cash to Debt Range
Min: 0.01   Max: 0.12
Current: 0.09

0.01
0.12
Equity to Asset 0.52
CSH's Equity to Asset is ranked higher than
85% of the 121 Companies
in the Global Credit Services industry.

( Industry Median: 0.25 vs. CSH: 0.52 )
CSH' s 10-Year Equity to Asset Range
Min: 0.44   Max: 0.63
Current: 0.52

0.44
0.63
Interest Coverage 5.83
CSH's Interest Coverage is ranked higher than
81% of the 110 Companies
in the Global Credit Services industry.

( Industry Median: 3.32 vs. CSH: 5.83 )
CSH' s 10-Year Interest Coverage Range
Min: 2.27   Max: 9.57
Current: 5.83

2.27
9.57
F-Score: 7
Z-Score: 3.01
M-Score: -3.35
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 : 8/10

vs
industry
vs
history
Operating margin (%) 11.78
CSH's Operating margin (%) is ranked higher than
54% of the 129 Companies
in the Global Credit Services industry.

( Industry Median: 25.26 vs. CSH: 11.78 )
CSH' s 10-Year Operating margin (%) Range
Min: 7.95   Max: 16.02
Current: 11.78

7.95
16.02
Net-margin (%) 7.93
CSH's Net-margin (%) is ranked higher than
53% of the 131 Companies
in the Global Credit Services industry.

( Industry Median: 16.25 vs. CSH: 7.93 )
CSH' s 10-Year Net-margin (%) Range
Min: -2.76   Max: 12.11
Current: 7.93

-2.76
12.11
ROE (%) 13.17
CSH's ROE (%) is ranked higher than
75% of the 132 Companies
in the Global Credit Services industry.

( Industry Median: 11.35 vs. CSH: 13.17 )
CSH' s 10-Year ROE (%) Range
Min: -3.98   Max: 17.02
Current: 13.17

-3.98
17.02
ROA (%) 6.85
CSH's ROA (%) is ranked higher than
88% of the 133 Companies
in the Global Credit Services industry.

( Industry Median: 2.80 vs. CSH: 6.85 )
CSH' s 10-Year ROA (%) Range
Min: -2.22   Max: 10.24
Current: 6.85

-2.22
10.24
ROC (Joel Greenblatt) (%) 19.67
CSH's ROC (Joel Greenblatt) (%) is ranked higher than
63% of the 127 Companies
in the Global Credit Services industry.

( Industry Median: 33.24 vs. CSH: 19.67 )
CSH' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 10.91   Max: 30.63
Current: 19.67

10.91
30.63
Revenue Growth (%) 12.70
CSH's Revenue Growth (%) is ranked higher than
80% of the 113 Companies
in the Global Credit Services industry.

( Industry Median: 5.80 vs. CSH: 12.70 )
CSH' s 10-Year Revenue Growth (%) Range
Min: -14.3   Max: 31.3
Current: 12.7

-14.3
31.3
EBITDA Growth (%) 5.10
CSH's EBITDA Growth (%) is ranked higher than
65% of the 97 Companies
in the Global Credit Services industry.

( Industry Median: 10.10 vs. CSH: 5.10 )
CSH' s 10-Year EBITDA Growth (%) Range
Min: -17.1   Max: 50.9
Current: 5.1

-17.1
50.9
EPS Growth (%) 8.30
CSH's EPS Growth (%) is ranked higher than
61% of the 94 Companies
in the Global Credit Services industry.

( Industry Median: 17.30 vs. CSH: 8.30 )
CSH' s 10-Year EPS Growth (%) Range
Min: -34.8   Max: 47.4
Current: 8.3

-34.8
47.4
» CSH's 10-Y Financials

Financials


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

» Details

Guru Trades

Q1 2013

CSH Guru Trades in Q1 2013

Jeremy Grantham 4,132 sh (New)
Chuck Royce 37,900 sh (+94.36%)
Jim Simons 480,600 sh (-1.7%)
Joel Greenblatt 30,419 sh (-30.14%)
» More
Q2 2013

CSH Guru Trades in Q2 2013

Joel Greenblatt 49,104 sh (+61.43%)
Jeremy Grantham 6,532 sh (+58.08%)
Chuck Royce 41,900 sh (+10.55%)
Jim Simons 320,400 sh (-33.33%)
» More
Q3 2013

CSH Guru Trades in Q3 2013

Joel Greenblatt 67,827 sh (+38.13%)
Jeremy Grantham 8,432 sh (+29.09%)
Chuck Royce 47,900 sh (+14.32%)
Jim Simons 103,300 sh (-67.76%)
» More
Q4 2013

CSH Guru Trades in Q4 2013

Paul Tudor Jones 25,378 sh (New)
Jeremy Grantham 9,647 sh (+14.41%)
Joel Greenblatt 72,124 sh (+6.34%)
Chuck Royce 50,600 sh (+5.64%)
Jim Simons 25,200 sh (-75.61%)
» More
» Details

Insider Trades

Latest Guru Trades with CSH

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Joel Greenblatt 2013-09-30 Add 38.13%0.03%$39.93 - $48.72 $ 44.030%67827
Joel Greenblatt 2013-06-30 Add 61.43%0.04%$43.19 - $51.52 $ 44.03-6%49104
Joel Greenblatt 2013-03-31 Reduce -30.14%0.03%$39.67 - $53.25 $ 44.03-8%30419
Joel Greenblatt 2012-09-30 Add 161.7%0.07%$36.69 - $45.73 $ 44.038%46347
Joel Greenblatt 2012-06-30 New Buy0.06%$40.91 - $48.03 $ 44.030%17710
Joel Greenblatt 2011-09-30 Sold Out 0.0329%$48.98 - $61.09 $ 44.03-21%0
Mario Gabelli 2011-09-30 Sold Out 0.002%$48.98 - $61.09 $ 44.03-21%0
Joel Greenblatt 2011-06-30 New Buy0.03%$42.84 - $57.04 $ 44.03-10%4062
David Dreman 2011-03-31 Sold Out 0.1%$36.93 - $45.76 $ 44.037%0
Premium More recent guru trades are included for Premium Members only!!
» Interactive Charts

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Ratios

vs
industry
vs
history
P/E(ttm) 9.70
CSH's P/E(ttm) is ranked higher than
80% of the 118 Companies
in the Global Credit Services industry.

( Industry Median: 12.40 vs. CSH: 9.70 )
CSH' s 10-Year P/E(ttm) Range
Min: 4.58   Max: 26.39
Current: 9.7

4.58
26.39
P/B 1.20
CSH's P/B is ranked higher than
67% of the 132 Companies
in the Global Credit Services industry.

( Industry Median: 1.40 vs. CSH: 1.20 )
CSH' s 10-Year P/B Range
Min: 0.6   Max: 3.19
Current: 1.2

0.6
3.19
P/S 0.80
CSH's P/S is ranked higher than
88% of the 126 Companies
in the Global Credit Services industry.

( Industry Median: 2.50 vs. CSH: 0.80 )
CSH' s 10-Year P/S Range
Min: 0.35   Max: 2.11
Current: 0.8

0.35
2.11
PFCF 2.60
CSH's PFCF is ranked higher than
82% of the 72 Companies
in the Global Credit Services industry.

( Industry Median: 7.30 vs. CSH: 2.60 )
CSH' s 10-Year PFCF Range
Min: 1.83   Max: 18.86
Current: 2.6

1.83
18.86
EV-to-EBIT 8.80
CSH's EV-to-EBIT is ranked higher than
89% of the 119 Companies
in the Global Credit Services industry.

( Industry Median: 16.90 vs. CSH: 8.80 )
CSH' s 10-Year EV-to-EBIT Range
Min: 5   Max: 19.6
Current: 8.8

5
19.6
PEG 1.40
CSH's PEG is ranked lower than
56% of the 80 Companies
in the Global Credit Services industry.

( Industry Median: 1.09 vs. CSH: 1.40 )
CSH' s 10-Year PEG Range
Min: 0.17   Max: 9.08
Current: 1.4

0.17
9.08
Shiller P/E 11.60
CSH's Shiller P/E is ranked higher than
82% of the 76 Companies
in the Global Credit Services industry.

( Industry Median: 18.31 vs. CSH: 11.60 )
CSH' s 10-Year Shiller P/E Range
Min: 5.57   Max: 66.68
Current: 11.6

5.57
66.68

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.30
CSH's Dividend Yield is ranked lower than
92% of the 96 Companies
in the Global Credit Services industry.

( Industry Median: 2.24 vs. CSH: 0.30 )
CSH' s 10-Year Dividend Yield Range
Min: 0.21   Max: 1.16
Current: 0.3

0.21
1.16
Dividend Payout 0.03
CSH's Dividend Payout is ranked higher than
99% of the 87 Companies
in the Global Credit Services industry.

( Industry Median: 0.31 vs. CSH: 0.03 )
CSH' s 10-Year Dividend Payout Range
Min: 0.03   Max: 0.33
Current: 0.03

0.03
0.33
Yield on cost (5-Year) 0.30
CSH's Yield on cost (5-Year) is ranked lower than
93% of the 98 Companies
in the Global Credit Services industry.

( Industry Median: 2.94 vs. CSH: 0.30 )
CSH' s 10-Year Yield on cost (5-Year) Range
Min: 0.21   Max: 1.16
Current: 0.3

0.21
1.16
Share Buyback Rate 1.00
CSH's Share Buyback Rate is ranked higher than
88% of the 98 Companies
in the Global Credit Services industry.

( Industry Median: -1.50 vs. CSH: 1.00 )
CSH' s 10-Year Share Buyback Rate Range
Min: 9.1   Max: -15.3
Current: 1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 3.80
CSH's Price/Tangible Book is ranked lower than
67% of the 127 Companies
in the Global Credit Services industry.

( Industry Median: 1.70 vs. CSH: 3.80 )
CSH' s 10-Year Price/Tangible Book Range
Min: 1.13   Max: 17.42
Current: 3.8

1.13
17.42
Price/DCF (Projected) 0.20
CSH's Price/DCF (Projected) is ranked higher than
95% of the 60 Companies
in the Global Credit Services industry.

( Industry Median: 0.70 vs. CSH: 0.20 )
CSH' s 10-Year Price/DCF (Projected) Range
Min: 0.2   Max: 4.03
Current: 0.2

0.2
4.03
Price/Median PS Value 0.70
CSH's Price/Median PS Value is ranked higher than
87% of the 119 Companies
in the Global Credit Services industry.

( Industry Median: 1.20 vs. CSH: 0.70 )
CSH' s 10-Year Price/Median PS Value Range
Min: 0.3   Max: 1.93
Current: 0.7

0.3
1.93
Price/Peter Lynch Fair Value 1.00
CSH's Price/Peter Lynch Fair Value is ranked lower than
51% of the 39 Companies
in the Global Credit Services industry.

( Industry Median: 0.70 vs. CSH: 1.00 )
CSH' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.41   Max: 10.05
Current: 1

0.41
10.05
Price/Graham Number 1.20
CSH's Price/Graham Number is ranked lower than
53% of the 116 Companies
in the Global Credit Services industry.

( Industry Median: 0.90 vs. CSH: 1.20 )
CSH' s 10-Year Price/Graham Number Range
Min: 0.89   Max: 2.84
Current: 1.2

0.89
2.84
Earnings Yield (Greenblatt) 11.30
CSH's Earnings Yield (Greenblatt) is ranked higher than
89% of the 127 Companies
in the Global Credit Services industry.

( Industry Median: 5.50 vs. CSH: 11.30 )
CSH' s 10-Year Earnings Yield (Greenblatt) Range
Min: 5.1   Max: 20
Current: 11.3

5.1
20
Forward Rate of Return (Yacktman) 29.57
CSH's Forward Rate of Return (Yacktman) is ranked higher than
82% of the 102 Companies
in the Global Credit Services industry.

( Industry Median: 12.04 vs. CSH: 29.57 )
CSH' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -2.1   Max: 60.2
Current: 29.57

-2.1
60.2

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 beginning in 2009, under the name 'DollarsDirect' in Australia and Canada. On July 23, 2008 acquisition of substantially all the assets of Primary Business Services, Inc., Primary Finance, Inc., Primary Processing, Inc. and Primary Members Insurance Services, Inc., the Company provides loan processing services for, and participates in receivables associated with, a bank issued line of credit made available by the bank on certain stored-value debit cards the bank issues. 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 main competitive factors are location, customer service, and convenience. In addition, the Company competes with financial institutions, such as banks and consumer finance companies, which generally lend on an unsecured as well as a secured basis. 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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User Comments

TannorP@twitter
ReplyTannorP@twitter - 4 months ago
Looks severely discounted based on margin contraction, Revenue growth off-setting. Non-recourse loans backed by personal possessions with low delinquencies. Management bought back a million shares in last 9 months, have 1.5 million more authorized.

Large portion of cash-flow from operations made up of releasing loan loss reserves. Management notes "primarily due to the growth and the composition of the consumer loan portfolio in the Company’s domestic and foreign e-commerce operations."

Worth Digging Deeper.
Tmcgee
ReplyTmcgee - 6 months ago
Excellent FCF generator

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