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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 : 6/10

vs
industry
vs
history
Cash to Debt 0.18
DLLR's Cash to Debt is ranked higher than
73% of the 124 Companies
in the Global Credit Services industry.

( Industry Median: 0.12 vs. DLLR: 0.18 )
DLLR' s 10-Year Cash to Debt Range
Min: 0.18   Max: No Debt
Current: 0.18

Equity to Asset 0.27
DLLR's Equity to Asset is ranked higher than
69% of the 121 Companies
in the Global Credit Services industry.

( Industry Median: 0.25 vs. DLLR: 0.27 )
DLLR' s 10-Year Equity to Asset Range
Min: -0.16   Max: 0.34
Current: 0.27

-0.16
0.34
Interest Coverage 2.34
DLLR's Interest Coverage is ranked higher than
66% of the 108 Companies
in the Global Credit Services industry.

( Industry Median: 3.32 vs. DLLR: 2.34 )
DLLR' s 10-Year Interest Coverage Range
Min: 0.58   Max: 9999.99
Current: 2.34

0.58
9999.99
F-Score: 3
Z-Score: 0.92
M-Score: -2.90
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 (%) 29.76
DLLR's Operating margin (%) is ranked higher than
77% of the 127 Companies
in the Global Credit Services industry.

( Industry Median: 25.26 vs. DLLR: 29.76 )
DLLR' s 10-Year Operating margin (%) Range
Min: 6.73   Max: 38.96
Current: 29.76

6.73
38.96
Net-margin (%) -0.06
DLLR's Net-margin (%) is ranked lower than
54% of the 129 Companies
in the Global Credit Services industry.

( Industry Median: 16.25 vs. DLLR: -0.06 )
DLLR' s 10-Year Net-margin (%) Range
Min: -11.39   Max: 8.94
Current: -0.06

-11.39
8.94
ROE (%) -0.16
DLLR's ROE (%) is ranked lower than
55% of the 130 Companies
in the Global Credit Services industry.

( Industry Median: 11.24 vs. DLLR: -0.16 )
DLLR' s 10-Year ROE (%) Range
Min: -22.06   Max: 26.47
Current: -0.16

-22.06
26.47
ROA (%) -0.04
DLLR's ROA (%) is ranked lower than
54% of the 131 Companies
in the Global Credit Services industry.

( Industry Median: 2.80 vs. DLLR: -0.04 )
DLLR' s 10-Year ROA (%) Range
Min: -8.78   Max: 5.43
Current: -0.04

-8.78
5.43
ROC (Joel Greenblatt) (%) 78.28
DLLR's ROC (Joel Greenblatt) (%) is ranked higher than
79% of the 125 Companies
in the Global Credit Services industry.

( Industry Median: 26.04 vs. DLLR: 78.28 )
DLLR' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 55.12   Max: 324.51
Current: 78.28

55.12
324.51
Revenue Growth (%) 14.90
DLLR's Revenue Growth (%) is ranked higher than
83% of the 113 Companies
in the Global Credit Services industry.

( Industry Median: 5.80 vs. DLLR: 14.90 )
DLLR' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 17
Current: 14.9

0
17
EBITDA Growth (%) 21.10
DLLR's EBITDA Growth (%) is ranked higher than
87% of the 97 Companies
in the Global Credit Services industry.

( Industry Median: 10.10 vs. DLLR: 21.10 )
DLLR' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: 44.8
Current: 21.1

0
44.8
EPS Growth (%) -47.70
DLLR's EPS Growth (%) is ranked lower than
55% of the 93 Companies
in the Global Credit Services industry.

( Industry Median: 17.30 vs. DLLR: -47.70 )
DLLR' s 10-Year EPS Growth (%) Range
Min: 0   Max: 166.3
Current: -47.7

0
166.3
» DLLR's 10-Y Financials

Financials


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

» Details

Guru Trades

Q1 2013

DLLR Guru Trades in Q1 2013

David Dreman 450,362 sh (New)
Jim Simons Sold Out
» More
Q2 2013

DLLR Guru Trades in Q2 2013

Manning & Napier Advisors, Inc 686,030 sh (New)
» More
Q3 2013

DLLR Guru Trades in Q3 2013

Jim Simons 192,201 sh (New)
Steven Cohen 26,429 sh (New)
Richard Snow 89,945 sh (New)
Joel Greenblatt 198,815 sh (New)
Manning & Napier Advisors, Inc Sold Out
» More
Q4 2013

DLLR Guru Trades in Q4 2013

Paul Tudor Jones 36,091 sh (New)
Richard Snow 788,665 sh (+776.83%)
Joel Greenblatt 264,993 sh (+33.29%)
Steven Cohen Sold Out
Jim Simons Sold Out
» More
» Details

Insider Trades

Latest Guru Trades with DLLR

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Joel Greenblatt 2013-12-31 Add 33.29%0.02%$9.35 - $13.15 $ 9.42-17%264993
Joel Greenblatt 2013-09-30 New Buy0.07%$11 - $16.35 $ 9.42-31%198815
David Dreman 2013-06-30 Sold Out 0.2%$13.04 - $15.69 $ 9.42-35%0
David Dreman 2013-03-31 New Buy0.2%$16.64 - $19.9 $ 9.42-49%450362
Joel Greenblatt 2012-06-30 Sold Out 0.12%$15.16 - $19.09 $ 9.42-44%0
Joel Greenblatt 2012-03-31 New Buy0.12%$17.41 - $19.87 $ 9.42-46%70344
Premium More recent guru trades are included for Premium Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Top Ranked Articles about DFC Global Corp

Guru Action on Payday Loan Stocks
Guru investors have always seen the potential in serving a broad band of under-banked consumers with creative financial services and unsecured short-term loans. Here’s a close-up on two payday loan makers, both down around 30% over 12 months. DFC Global Corp. (DLLR) provides alternative financial services, and makes unsecured consumer loans over its Internet platforms, with recent quarterly revenue of more than $59.8 million for that segment of its business. QC Holdings Inc. (QCCO), the payday loan company with the highest earnings yield in the consumer finance industry, according to SmarTrend, is on a 52-week low. Read more...
Drill Down on Dreman - Five Sold Out
Guru David Dreman is considered the pioneer in contrarian investment strategies and behavioral finance. His Dreman Value Management LLC is a leading investment management firm that uses a unique contrarian investment philosophy and the disciplined low P/E investment approach established by David Dreman over 30 years ago. The firm uses a disciplined, bottom-up, low P/E approach, investing in companies that demonstrate strong fundamentals and historical earnings growth. Dreman has averaged returns of 14.9% over 12 months, according to the GuruFocus Score Board of Gurus. His portfolio update lists 310 stocks, 13 of them new, with a total value of $3.5 billion and a quarter-over-quarter turnover of 0%. Read more...

Ratios

vs
industry
vs
history
P/B 0.79
DLLR's P/B is ranked higher than
85% of the 132 Companies
in the Global Credit Services industry.

( Industry Median: 1.41 vs. DLLR: 0.79 )
DLLR' s 10-Year P/B Range
Min: 0.55   Max: 6.16
Current: 0.79

0.55
6.16
P/S 0.36
DLLR's P/S is ranked higher than
95% of the 126 Companies
in the Global Credit Services industry.

( Industry Median: 2.44 vs. DLLR: 0.36 )
DLLR' s 10-Year P/S Range
Min: 0.22   Max: 1.94
Current: 0.36

0.22
1.94
PFCF 1.95
DLLR's PFCF is ranked higher than
90% of the 72 Companies
in the Global Credit Services industry.

( Industry Median: 7.20 vs. DLLR: 1.95 )
DLLR' s 10-Year PFCF Range
Min: 1.35   Max: 76.79
Current: 1.95

1.35
76.79
EV-to-EBIT 4.60
DLLR's EV-to-EBIT is ranked higher than
97% of the 118 Companies
in the Global Credit Services industry.

( Industry Median: 17.15 vs. DLLR: 4.60 )
DLLR' s 10-Year EV-to-EBIT Range
Min: 2.6   Max: 18
Current: 4.6

2.6
18
Shiller P/E 16.99
DLLR's Shiller P/E is ranked higher than
63% of the 76 Companies
in the Global Credit Services industry.

( Industry Median: 18.31 vs. DLLR: 16.99 )
DLLR' s 10-Year Shiller P/E Range
Min: 11.87   Max: 344.94
Current: 16.99

11.87
344.94

Valuation & Return

vs
industry
vs
history
Price/DCF (Projected) 0.20
DLLR's Price/DCF (Projected) is ranked higher than
95% of the 58 Companies
in the Global Credit Services industry.

( Industry Median: 0.83 vs. DLLR: 0.20 )
DLLR' s 10-Year Price/DCF (Projected) Range
Min: 0.24   Max: 2.61
Current: 0.2

0.24
2.61
Price/Median PS Value 0.45
DLLR's Price/Median PS Value is ranked higher than
97% of the 118 Companies
in the Global Credit Services industry.

( Industry Median: 1.20 vs. DLLR: 0.45 )
DLLR' s 10-Year Price/Median PS Value Range
Min: 0.52   Max: 2.02
Current: 0.45

0.52
2.02
Earnings Yield (Greenblatt) 21.70
DLLR's Earnings Yield (Greenblatt) is ranked higher than
97% of the 127 Companies
in the Global Credit Services industry.

( Industry Median: 5.50 vs. DLLR: 21.70 )
DLLR' s 10-Year Earnings Yield (Greenblatt) Range
Min: 5.5   Max: 38.4
Current: 21.7

5.5
38.4
Forward Rate of Return (Yacktman) 47.72
DLLR's Forward Rate of Return (Yacktman) is ranked higher than
92% of the 103 Companies
in the Global Credit Services industry.

( Industry Median: 12.04 vs. DLLR: 47.72 )
DLLR' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 0.9   Max: 60.2
Current: 47.72

0.9
60.2

Business Description

Industry: Credit Services » Credit Services
Compare:V, MA, TCAP, COF, RDCRL » details
DFC Global Corp is a Delaware corporation formed in 1990. The Company is a non-bank provider of alternative financial services, unsecured short term consumer loans, secured pawn loans, check cashing, gold buying, money transfers & reloadable prepaid debit cards, serving unbanked & under-banked consumers. It serves its customers through over 1,500 current retail storefront locations and multiple Internet platforms in ten countries across Europe and North America: the United Kingdom, Canada, the United States, Sweden, Finland, Poland, Spain, Romania, the Czech Republic and the Republic of Ireland. At June 30, 2013, its global retail operations consisted of 1,507 retail storefront locations, of which 1,474 are company-owned, conducting business primarily under the names The Money Shop, Money Mart, InstaCheques, Suttons & Robertsons, The Check Cashing Store, Sefina, Helsingin PanttiSM, MoneyNow!, Express Credit and Super Efectivo. In addition to its retail stores, it also offered Internet-based, unsecured short-term consumer loans in the United Kingdom primarily under the trading names PaydayUK and Payday Express, in Canada under the Money Mart and paydayloan.casm names, and in Sweden, the Czech Republic, Spain and Poland primarily under the OK Money brand name. It offers longer term unsecured loans in Poland through in-home servicing under the trade name Optima, installment loans in the United Kingdom branded as Ladder Loans and a consumer line of credit in Finland offered by DFC Nordic Oyj (formerly known as Risicum). It also provides fee-based services in the United States to enlisted military personnel applying for loans to purchase new and used vehicles that are funded and serviced primarily under an agreement with a third-party lender through its branded Military Installment Loan and Education Services, or MILES, program. It operates in a sector of the non-bank financial services industry that serves the basic needs of customers needing quick and convenient access to cash and other financial services. These needs are primarily evidenced by demand for unsecured short-term loans, secured pawn loans, check cashing, gold buying, money transfers and orders, prepaid debit cards, foreign currency exchange and other services. Consumers who use these services are often underserved by banks and other financial institutions. As of June 30, 2013, it had 23 franchise and agent locations in the United Kingdom and ten franchise locations in Canada. It faces significant competition in each of the countries in which it operates, and for each of the services and products that it offers in those countries. The Company is subject to regulation by foreign, federal, state and other local governments that affects the products and services it provides.

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