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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 : 5/10

vs
industry
vs
history
Cash to Debt 0.11
LEAF's Cash to Debt is ranked higher than
56% of the 331 Companies
in the Global Credit Services industry.

( Industry Median: 0.35 vs. LEAF: 0.11 )
LEAF' s 10-Year Cash to Debt Range
Min: 0.03   Max: 0.12
Current: 0.11

0.03
0.12
Equity to Asset 0.18
LEAF's Equity to Asset is ranked higher than
55% of the 307 Companies
in the Global Credit Services industry.

( Industry Median: 0.29 vs. LEAF: 0.18 )
LEAF' s 10-Year Equity to Asset Range
Min: 0.04   Max: 0.18
Current: 0.18

0.04
0.18
Interest Coverage 1.23
LEAF's Interest Coverage is ranked lower than
53% of the 220 Companies
in the Global Credit Services industry.

( Industry Median: 8.03 vs. LEAF: 1.23 )
LEAF' s 10-Year Interest Coverage Range
Min: 0.08   Max: 1.23
Current: 1.23

0.08
1.23
F-Score: 5
Z-Score: 1.25
WACC vs ROIC
4.91%
5.42%
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 : 4/10

vs
industry
vs
history
Operating margin (%) 43.48
LEAF's Operating margin (%) is ranked higher than
87% of the 343 Companies
in the Global Credit Services industry.

( Industry Median: 21.20 vs. LEAF: 43.48 )
LEAF' s 10-Year Operating margin (%) Range
Min: -105.54   Max: 43.48
Current: 43.48

-105.54
43.48
Net-margin (%) 24.26
LEAF's Net-margin (%) is ranked higher than
77% of the 345 Companies
in the Global Credit Services industry.

( Industry Median: 16.01 vs. LEAF: 24.26 )
LEAF' s 10-Year Net-margin (%) Range
Min: -55.35   Max: 76.18
Current: 24.26

-55.35
76.18
ROE (%) 28.21
LEAF's ROE (%) is ranked higher than
93% of the 335 Companies
in the Global Credit Services industry.

( Industry Median: 10.42 vs. LEAF: 28.21 )
LEAF' s 10-Year ROE (%) Range
Min: -21.16   Max: 66.88
Current: 28.21

-21.16
66.88
ROA (%) 3.80
LEAF's ROA (%) is ranked higher than
77% of the 351 Companies
in the Global Credit Services industry.

( Industry Median: 2.98 vs. LEAF: 3.80 )
LEAF' s 10-Year ROA (%) Range
Min: -1.44   Max: 3.81
Current: 3.8

-1.44
3.81
Revenue Growth (3Y)(%) 33.70
LEAF's Revenue Growth (3Y)(%) is ranked higher than
89% of the 271 Companies
in the Global Credit Services industry.

( Industry Median: 6.50 vs. LEAF: 33.70 )
LEAF' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0   Max: 33.7
Current: 33.7

0
33.7
» LEAF's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q1 2014

LEAF Guru Trades in Q1 2014

Louis Moore Bacon 156,749 sh (New)
Caxton Associates 166,203 sh (+43.03%)
Chris Davis Sold Out
» More
Q2 2014

LEAF Guru Trades in Q2 2014

Louis Moore Bacon Sold Out
Caxton Associates 141,203 sh (-15.04%)
» More
Q3 2014

LEAF Guru Trades in Q3 2014

Caxton Associates 141,203 sh (unchged)
» More
Q4 2014

LEAF Guru Trades in Q4 2014

Caxton Associates 158,503 sh (+12.25%)
» More
» Details

Insider Trades

Latest Guru Trades with LEAF

(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) 12.20
LEAF's P/E(ttm) is ranked higher than
82% of the 411 Companies
in the Global Credit Services industry.

( Industry Median: 24.10 vs. LEAF: 12.20 )
LEAF' s 10-Year P/E(ttm) Range
Min: 6.45   Max: 87.65
Current: 12.2

6.45
87.65
PE(NRI) 11.60
LEAF's PE(NRI) is ranked higher than
85% of the 411 Companies
in the Global Credit Services industry.

( Industry Median: 23.90 vs. LEAF: 11.60 )
LEAF' s 10-Year PE(NRI) Range
Min: 6.45   Max: 87.38
Current: 11.6

6.45
87.38
P/B 2.90
LEAF's P/B is ranked higher than
55% of the 411 Companies
in the Global Credit Services industry.

( Industry Median: 2.30 vs. LEAF: 2.90 )
LEAF' s 10-Year P/B Range
Min: 1.62   Max: 3.02
Current: 2.9

1.62
3.02
P/S 2.93
LEAF's P/S is ranked higher than
61% of the 411 Companies
in the Global Credit Services industry.

( Industry Median: 3.92 vs. LEAF: 2.93 )
LEAF' s 10-Year P/S Range
Min: 1.53   Max: 2.95
Current: 2.93

1.53
2.95
POCF 14.67
LEAF's POCF is ranked higher than
82% of the 411 Companies
in the Global Credit Services industry.

( Industry Median: 0.00 vs. LEAF: 14.67 )
LEAF' s 10-Year POCF Range
Min: 2.99   Max: 15.35
Current: 14.67

2.99
15.35
EV-to-EBIT 14.64
LEAF's EV-to-EBIT is ranked higher than
85% of the 411 Companies
in the Global Credit Services industry.

( Industry Median: 34.44 vs. LEAF: 14.64 )
LEAF' s 10-Year EV-to-EBIT Range
Min: 10.2   Max: 204.1
Current: 14.64

10.2
204.1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 3.00
LEAF's Price/Tangible Book is ranked higher than
58% of the 411 Companies
in the Global Credit Services industry.

( Industry Median: 2.60 vs. LEAF: 3.00 )
LEAF' s 10-Year Price/Tangible Book Range
Min: 1.74   Max: 1.88
Current: 3

1.74
1.88
Price/Median PS Value 1.60
LEAF's Price/Median PS Value is ranked higher than
61% of the 411 Companies
in the Global Credit Services industry.

( Industry Median: 1.30 vs. LEAF: 1.60 )
LEAF' s 10-Year Price/Median PS Value Range
Min: 1.03   Max: 1.1
Current: 1.6

1.03
1.1
Price/Graham Number 1.20
LEAF's Price/Graham Number is ranked higher than
77% of the 411 Companies
in the Global Credit Services industry.

( Industry Median: 2.50 vs. LEAF: 1.20 )
LEAF' s 10-Year Price/Graham Number Range
Min: 0.79   Max: 1.61
Current: 1.2

0.79
1.61
Earnings Yield (Greenblatt) 6.80
LEAF's Earnings Yield (Greenblatt) is ranked higher than
78% of the 336 Companies
in the Global Credit Services industry.

( Industry Median: 4.30 vs. LEAF: 6.80 )
LEAF' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.5   Max: 9.8
Current: 6.8

0.5
9.8

Business Description

Industry: Credit Services » Credit Services
Compare: » details
Springleaf Holdings Inc is a consumer finance company providing loan products to customers through its nationwide branch network and through iLoan, its internet lending division. The Company operates in four business segments: Consumer, Insurance, Portfolio Acquisitions and Real Estate. It offers personal loans through branch office and over the internet through iLoan division to customers who generally need timely access to cash. Its personal loans are non-revolving with a fixed-rate and a fixed, original term of two to four years. It offers secured and unsecured loans and related insurance products to individuals. In connection with Company's personal loan business it offers customers credit insurance including life insurance, accident and health insurance and involuntary unemployment insurance; and non-credit insurance.
» More Articles for LEAF

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