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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 0.94
CSH's Cash to Debt is ranked higher than
84% of the 186 Companies
in the Global Credit Services industry.

( Industry Median: 0.20 vs. CSH: 0.94 )
CSH' s 10-Year Cash to Debt Range
Min: 0.01   Max: 0.94
Current: 0.94

0.01
0.94
Equity to Asset 0.74
CSH's Equity to Asset is ranked higher than
96% of the 186 Companies
in the Global Credit Services industry.

( Industry Median: 0.27 vs. CSH: 0.74 )
CSH' s 10-Year Equity to Asset Range
Min: 0.43   Max: 0.74
Current: 0.74

0.43
0.74
Interest Coverage 1.24
CSH's Interest Coverage is ranked higher than
59% of the 145 Companies
in the Global Credit Services industry.

( Industry Median: 5.27 vs. CSH: 1.24 )
CSH' s 10-Year Interest Coverage Range
Min: 1.24   Max: 9.57
Current: 1.24

1.24
9.57
F-Score: 6
Z-Score: 3.35
M-Score: -3.93
WACC vs ROIC
7.69%
0.71%
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 (%) 3.01
CSH's Operating margin (%) is ranked higher than
57% of the 191 Companies
in the Global Credit Services industry.

( Industry Median: 20.91 vs. CSH: 3.01 )
CSH' s 10-Year Operating margin (%) Range
Min: 3.01   Max: 16.02
Current: 3.01

3.01
16.02
Net-margin (%) 9.01
CSH's Net-margin (%) is ranked higher than
66% of the 191 Companies
in the Global Credit Services industry.

( Industry Median: 16.19 vs. CSH: 9.01 )
CSH' s 10-Year Net-margin (%) Range
Min: -2.76   Max: 13.83
Current: 9.01

-2.76
13.83
ROE (%) 8.87
CSH's ROE (%) is ranked higher than
71% of the 190 Companies
in the Global Credit Services industry.

( Industry Median: 12.08 vs. CSH: 8.87 )
CSH' s 10-Year ROE (%) Range
Min: -3.41   Max: 18.62
Current: 8.87

-3.41
18.62
ROA (%) 4.81
CSH's ROA (%) is ranked higher than
88% of the 193 Companies
in the Global Credit Services industry.

( Industry Median: 2.91 vs. CSH: 4.81 )
CSH' s 10-Year ROA (%) Range
Min: -1.55   Max: 10.88
Current: 4.81

-1.55
10.88
ROC (Joel Greenblatt) (%) 3.41
CSH's ROC (Joel Greenblatt) (%) is ranked higher than
61% of the 185 Companies
in the Global Credit Services industry.

( Industry Median: 20.98 vs. CSH: 3.41 )
CSH' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 3.74   Max: 32.73
Current: 3.41

3.74
32.73
Revenue Growth (3Y)(%) -9.00
CSH's Revenue Growth (3Y)(%) is ranked higher than
59% of the 153 Companies
in the Global Credit Services industry.

( Industry Median: 5.30 vs. CSH: -9.00 )
CSH' s 10-Year Revenue Growth (3Y)(%) Range
Min: -14.3   Max: 31.3
Current: -9

-14.3
31.3
EBITDA Growth (3Y)(%) -33.80
CSH's EBITDA Growth (3Y)(%) is ranked higher than
57% of the 131 Companies
in the Global Credit Services industry.

( Industry Median: 6.60 vs. CSH: -33.80 )
CSH' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -33.8   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

Q1 2014

CSH Guru Trades in Q1 2014

Chuck Royce 607,008 sh (+1099.62%)
Jim Simons 32,911 sh (+30.60%)
Jeremy Grantham Sold Out
Joel Greenblatt Sold Out
Paul Tudor Jones 14,000 sh (-44.83%)
» More
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
» 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%)



No Guru Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 6.90
CSH's P/E(ttm) is ranked higher than
96% of the 206 Companies
in the Global Credit Services industry.

( Industry Median: 16.80 vs. CSH: 6.90 )
CSH' s 10-Year P/E(ttm) Range
Min: 2.08   Max: 11.13
Current: 6.9

2.08
11.13
Forward P/E 4.09
CSH's Forward P/E is ranked higher than
98% of the 206 Companies
in the Global Credit Services industry.

( Industry Median: 15.41 vs. CSH: 4.09 )
N/A
PE(NRI) 8.90
CSH's PE(NRI) is ranked higher than
97% of the 206 Companies
in the Global Credit Services industry.

( Industry Median: 16.50 vs. CSH: 8.90 )
CSH' s 10-Year PE(NRI) Range
Min: 2.08   Max: 11.43
Current: 8.9

2.08
11.43
P/B 0.60
CSH's P/B is ranked higher than
95% of the 206 Companies
in the Global Credit Services industry.

( Industry Median: 2.04 vs. CSH: 0.60 )
CSH' s 10-Year P/B Range
Min: 0.27   Max: 1.45
Current: 0.6

0.27
1.45
P/S 0.62
CSH's P/S is ranked higher than
93% of the 206 Companies
in the Global Credit Services industry.

( Industry Median: 2.80 vs. CSH: 0.62 )
CSH' s 10-Year P/S Range
Min: 0.16   Max: 0.96
Current: 0.62

0.16
0.96
PFCF 1.60
CSH's PFCF is ranked higher than
98% of the 206 Companies
in the Global Credit Services industry.

( Industry Median: 0.00 vs. CSH: 1.60 )
CSH' s 10-Year PFCF Range
Min: 0.83   Max: 7.71
Current: 1.6

0.83
7.71
POCF 1.44
CSH's POCF is ranked higher than
98% of the 206 Companies
in the Global Credit Services industry.

( Industry Median: 30.76 vs. CSH: 1.44 )
CSH' s 10-Year POCF Range
Min: 0.66   Max: 4.96
Current: 1.44

0.66
4.96
EV-to-EBIT 22.45
CSH's EV-to-EBIT is ranked higher than
69% of the 206 Companies
in the Global Credit Services industry.

( Industry Median: 22.83 vs. CSH: 22.45 )
CSH' s 10-Year EV-to-EBIT Range
Min: 3.7   Max: 23.2
Current: 22.45

3.7
23.2
Shiller P/E 6.10
CSH's Shiller P/E is ranked higher than
96% of the 206 Companies
in the Global Credit Services industry.

( Industry Median: 35.28 vs. CSH: 6.10 )
CSH' s 10-Year Shiller P/E Range
Min: 2.53   Max: 28.91
Current: 6.1

2.53
28.91
Current Ratio 6.52
CSH's Current Ratio is ranked higher than
91% of the 133 Companies
in the Global Credit Services industry.

( Industry Median: 2.05 vs. CSH: 6.52 )
CSH' s 10-Year Current Ratio Range
Min: 2.43   Max: 11.36
Current: 6.52

2.43
11.36
Quick Ratio 4.73
CSH's Quick Ratio is ranked higher than
88% of the 133 Companies
in the Global Credit Services industry.

( Industry Median: 2.04 vs. CSH: 4.73 )
CSH' s 10-Year Quick Ratio Range
Min: 2.08   Max: 7.83
Current: 4.73

2.08
7.83
Days Inventory 148.68
CSH's Days Inventory is ranked higher than
93% of the 206 Companies
in the Global Credit Services industry.

( Industry Median: 0.00 vs. CSH: 148.68 )
CSH' s 10-Year Days Inventory Range
Min: 3.61   Max: 154.69
Current: 148.68

3.61
154.69
Days Sales Outstanding 119.88
CSH's Days Sales Outstanding is ranked higher than
70% of the 206 Companies
in the Global Credit Services industry.

( Industry Median: 51.38 vs. CSH: 119.88 )
CSH' s 10-Year Days Sales Outstanding Range
Min: 13.34   Max: 284.89
Current: 119.88

13.34
284.89

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.67
CSH's Dividend Yield is ranked lower than
85% of the 123 Companies
in the Global Credit Services industry.

( Industry Median: 2.07 vs. CSH: 0.67 )
CSH' s 10-Year Dividend Yield Range
Min: 0.47   Max: 2.56
Current: 0.67

0.47
2.56
Dividend Payout 0.04
CSH's Dividend Payout is ranked higher than
100% of the 206 Companies
in the Global Credit Services industry.

( Industry Median: 1.24 vs. CSH: 0.04 )
CSH' s 10-Year Dividend Payout Range
Min: 0.03   Max: 0.33
Current: 0.04

0.03
0.33
Yield on cost (5-Year) 0.70
CSH's Yield on cost (5-Year) is ranked lower than
94% of the 126 Companies
in the Global Credit Services industry.

( Industry Median: 3.19 vs. CSH: 0.70 )
CSH' s 10-Year Yield on cost (5-Year) Range
Min: 0.47   Max: 2.56
Current: 0.7

0.47
2.56
Share Buyback Rate 2.80
CSH's Share Buyback Rate is ranked higher than
87% of the 128 Companies
in the Global Credit Services industry.

( Industry Median: -0.60 vs. CSH: 2.80 )
CSH' s 10-Year Share Buyback Rate Range
Min: 9.1   Max: -15.3
Current: 2.8

Valuation & Return

vs
industry
vs
history
Price/Net Current Asset Value 3.90
CSH's Price/Net Current Asset Value is ranked higher than
97% of the 206 Companies
in the Global Credit Services industry.

( Industry Median: 0.00 vs. CSH: 3.90 )
CSH' s 10-Year Price/Net Current Asset Value Range
Min: 1.68   Max: 244.23
Current: 3.9

1.68
244.23
Price/Tangible Book 1.10
CSH's Price/Tangible Book is ranked higher than
84% of the 206 Companies
in the Global Credit Services industry.

( Industry Median: 2.60 vs. CSH: 1.10 )
CSH' s 10-Year Price/Tangible Book Range
Min: 0.51   Max: 7.9
Current: 1.1

0.51
7.9
Price/DCF (Projected) 0.10
CSH's Price/DCF (Projected) is ranked higher than
97% of the 206 Companies
in the Global Credit Services industry.

( Industry Median: 3.00 vs. CSH: 0.10 )
CSH' s 10-Year Price/DCF (Projected) Range
Min: 0.11   Max: 1.83
Current: 0.1

0.11
1.83
Price/Median PS Value 1.20
CSH's Price/Median PS Value is ranked higher than
95% of the 206 Companies
in the Global Credit Services industry.

( Industry Median: 1.28 vs. CSH: 1.20 )
CSH' s 10-Year Price/Median PS Value Range
Min: 0.29   Max: 1.87
Current: 1.2

0.29
1.87
Price/Graham Number 0.60
CSH's Price/Graham Number is ranked higher than
94% of the 206 Companies
in the Global Credit Services industry.

( Industry Median: 1.40 vs. CSH: 0.60 )
CSH' s 10-Year Price/Graham Number Range
Min: 0.4   Max: 1.29
Current: 0.6

0.4
1.29
Earnings Yield (Greenblatt) 4.50
CSH's Earnings Yield (Greenblatt) is ranked higher than
62% of the 192 Companies
in the Global Credit Services industry.

( Industry Median: 4.60 vs. CSH: 4.50 )
CSH' s 10-Year Earnings Yield (Greenblatt) Range
Min: 4.3   Max: 27.3
Current: 4.5

4.3
27.3
Forward Rate of Return (Yacktman) 41.33
CSH's Forward Rate of Return (Yacktman) is ranked higher than
93% of the 119 Companies
in the Global Credit Services industry.

( Industry Median: 16.06 vs. CSH: 41.33 )
CSH' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 9.3   Max: 112.2
Current: 41.33

9.3
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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