Switch to:

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 0.03
NICK's Cash to Debt is ranked lower than
52% of the 124 Companies
in the Global Credit Services industry.

( Industry Median: 0.12 vs. NICK: 0.03 )
NICK' s 10-Year Cash to Debt Range
Min: 0   Max: No Debt
Current: 0.03

Equity to Asset 0.50
NICK's Equity to Asset is ranked higher than
83% of the 121 Companies
in the Global Credit Services industry.

( Industry Median: 0.25 vs. NICK: 0.50 )
NICK' s 10-Year Equity to Asset Range
Min: 0.2   Max: 0.55
Current: 0.5

0.2
0.55
Interest Coverage 6.34
NICK's Interest Coverage is ranked higher than
82% of the 108 Companies
in the Global Credit Services industry.

( Industry Median: 3.32 vs. NICK: 6.34 )
NICK' s 10-Year Interest Coverage Range
Min: 1.4   Max: 7.39
Current: 6.34

1.4
7.39
F-Score: 5
Z-Score: 2.57
M-Score: -1.26
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 : 9/10

vs
industry
vs
history
Operating margin (%) 39.56
NICK's Operating margin (%) is ranked higher than
80% of the 127 Companies
in the Global Credit Services industry.

( Industry Median: 25.26 vs. NICK: 39.56 )
NICK' s 10-Year Operating margin (%) Range
Min: 14.22   Max: 52.22
Current: 39.56

14.22
52.22
Net-margin (%) 24.29
NICK's Net-margin (%) is ranked higher than
78% of the 129 Companies
in the Global Credit Services industry.

( Industry Median: 16.25 vs. NICK: 24.29 )
NICK' s 10-Year Net-margin (%) Range
Min: 8.88   Max: 27.6
Current: 24.29

8.88
27.6
ROE (%) 15.71
NICK's ROE (%) is ranked higher than
78% of the 130 Companies
in the Global Credit Services industry.

( Industry Median: 11.24 vs. NICK: 15.71 )
NICK' s 10-Year ROE (%) Range
Min: 5.55   Max: 23.64
Current: 15.71

5.55
23.64
ROA (%) 7.56
NICK's ROA (%) is ranked higher than
90% of the 131 Companies
in the Global Credit Services industry.

( Industry Median: 2.80 vs. NICK: 7.56 )
NICK' s 10-Year ROA (%) Range
Min: 2.39   Max: 8.66
Current: 7.56

2.39
8.66
ROC (Joel Greenblatt) (%) 13.36
NICK's ROC (Joel Greenblatt) (%) is ranked higher than
62% of the 125 Companies
in the Global Credit Services industry.

( Industry Median: 26.04 vs. NICK: 13.36 )
NICK' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 4.14   Max: 2406.87
Current: 13.36

4.14
2406.87
Revenue Growth (%) 11.60
NICK's Revenue Growth (%) is ranked higher than
78% of the 113 Companies
in the Global Credit Services industry.

( Industry Median: 5.80 vs. NICK: 11.60 )
NICK' s 10-Year Revenue Growth (%) Range
Min: -7.1   Max: 55.1
Current: 11.6

-7.1
55.1
EBITDA Growth (%) 16.10
NICK's EBITDA Growth (%) is ranked higher than
80% of the 97 Companies
in the Global Credit Services industry.

( Industry Median: 10.10 vs. NICK: 16.10 )
NICK' s 10-Year EBITDA Growth (%) Range
Min: -15   Max: 58.1
Current: 16.1

-15
58.1
EPS Growth (%) 20.60
NICK's EPS Growth (%) is ranked higher than
81% of the 93 Companies
in the Global Credit Services industry.

( Industry Median: 17.30 vs. NICK: 20.60 )
NICK' s 10-Year EPS Growth (%) Range
Min: -23.6   Max: 75
Current: 20.6

-23.6
75
» NICK's 10-Y Financials

Financials


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

» Details

Guru Trades

Q1 2013

NICK Guru Trades in Q1 2013

Jim Simons 214,129 sh (+5.88%)
Chuck Royce 3,700 sh (+5.71%)
Tom Gayner Sold Out
» More
Q2 2013

NICK Guru Trades in Q2 2013

Jim Simons 243,529 sh (+13.73%)
Chuck Royce 3,700 sh (unchged)
» More
Q3 2013

NICK Guru Trades in Q3 2013

Jim Simons 255,829 sh (+5.05%)
Chuck Royce 3,700 sh (unchged)
» More
Q4 2013

NICK Guru Trades in Q4 2013

Jim Simons 284,329 sh (+11.14%)
Chuck Royce 3,700 sh (unchged)
» More
» Details

Insider Trades

Latest Guru Trades with NICK

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Tom Gayner 2013-03-31 Sold Out 0.1%$12.4 - $14.84 $ 15.7818%0
Tom Gayner 2011-12-31 Add 83.83%0.05%$9.34 - $12.91 $ 15.7841%153500
Tom Gayner 2011-09-30 New Buy0.05%$9.59 - $12.54 $ 15.7841%83500
Premium More recent guru trades are included for Premium Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 10.50
NICK's P/E(ttm) is ranked higher than
75% of the 118 Companies
in the Global Credit Services industry.

( Industry Median: 12.40 vs. NICK: 10.50 )
NICK' s 10-Year P/E(ttm) Range
Min: 3.56   Max: 15.41
Current: 10.5

3.56
15.41
P/B 1.39
NICK's P/B is ranked higher than
68% of the 132 Companies
in the Global Credit Services industry.

( Industry Median: 1.41 vs. NICK: 1.39 )
NICK' s 10-Year P/B Range
Min: 0.25   Max: 2.59
Current: 1.39

0.25
2.59
P/S 2.35
NICK's P/S is ranked higher than
65% of the 126 Companies
in the Global Credit Services industry.

( Industry Median: 2.44 vs. NICK: 2.35 )
NICK' s 10-Year P/S Range
Min: 0.4   Max: 3.81
Current: 2.35

0.4
3.81
PFCF 7.97
NICK's PFCF is ranked higher than
64% of the 72 Companies
in the Global Credit Services industry.

( Industry Median: 7.20 vs. NICK: 7.97 )
NICK' s 10-Year PFCF Range
Min: 1   Max: 11.81
Current: 7.97

1
11.81
EV-to-EBIT 10.20
NICK's EV-to-EBIT is ranked higher than
86% of the 118 Companies
in the Global Credit Services industry.

( Industry Median: 17.15 vs. NICK: 10.20 )
NICK' s 10-Year EV-to-EBIT Range
Min: 7   Max: 21.4
Current: 10.2

7
21.4
PEG 0.37
NICK's PEG is ranked higher than
92% of the 80 Companies
in the Global Credit Services industry.

( Industry Median: 1.09 vs. NICK: 0.37 )
NICK' s 10-Year PEG Range
Min: 0.26   Max: 15.15
Current: 0.37

0.26
15.15
Shiller P/E 12.06
NICK's Shiller P/E is ranked higher than
80% of the 76 Companies
in the Global Credit Services industry.

( Industry Median: 18.31 vs. NICK: 12.06 )
NICK' s 10-Year Shiller P/E Range
Min: 2.33   Max: 19.4
Current: 12.06

2.33
19.4

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.30
NICK's Dividend Yield is ranked higher than
51% of the 96 Companies
in the Global Credit Services industry.

( Industry Median: 2.20 vs. NICK: 2.30 )
NICK' s 10-Year Dividend Yield Range
Min: 0.5   Max: 3.7
Current: 2.3

0.5
3.7
Yield on cost (5-Year) 2.30
NICK's Yield on cost (5-Year) is ranked lower than
66% of the 98 Companies
in the Global Credit Services industry.

( Industry Median: 2.94 vs. NICK: 2.30 )
NICK' s 10-Year Yield on cost (5-Year) Range
Min: 0.5   Max: 3.7
Current: 2.3

0.5
3.7
Share Buyback Rate -1.50
NICK's Share Buyback Rate is ranked higher than
71% of the 98 Companies
in the Global Credit Services industry.

( Industry Median: -1.50 vs. NICK: -1.50 )
NICK' s 10-Year Share Buyback Rate Range
Min: 15.5   Max: -25.8
Current: -1.5

Valuation & Return

vs
industry
vs
history
Price/Net Current Asset Value 3.06
NICK's Price/Net Current Asset Value is ranked higher than
70% of the 27 Companies
in the Global Credit Services industry.

( Industry Median: 6.60 vs. NICK: 3.06 )
NICK' s 10-Year Price/Net Current Asset Value Range
Min: 0.89   Max: 3.39
Current: 3.06

0.89
3.39
Price/Tangible Book 1.38
NICK's Price/Tangible Book is ranked higher than
71% of the 123 Companies
in the Global Credit Services industry.

( Industry Median: 1.64 vs. NICK: 1.38 )
NICK' s 10-Year Price/Tangible Book Range
Min: 0.29   Max: 2.52
Current: 1.38

0.29
2.52
Price/DCF (Projected) 0.54
NICK's Price/DCF (Projected) is ranked higher than
72% of the 58 Companies
in the Global Credit Services industry.

( Industry Median: 0.83 vs. NICK: 0.54 )
NICK' s 10-Year Price/DCF (Projected) Range
Min: 0.12   Max: 0.9
Current: 0.54

0.12
0.9
Price/Median PS Value 1.16
NICK's Price/Median PS Value is ranked higher than
70% of the 118 Companies
in the Global Credit Services industry.

( Industry Median: 1.20 vs. NICK: 1.16 )
NICK' s 10-Year Price/Median PS Value Range
Min: 0.23   Max: 1.81
Current: 1.16

0.23
1.81
Price/Peter Lynch Fair Value 0.44
NICK's Price/Peter Lynch Fair Value is ranked higher than
88% of the 42 Companies
in the Global Credit Services industry.

( Industry Median: 0.89 vs. NICK: 0.44 )
NICK' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.19   Max: 1.67
Current: 0.44

0.19
1.67
Price/Graham Number 0.80
NICK's Price/Graham Number is ranked higher than
69% of the 112 Companies
in the Global Credit Services industry.

( Industry Median: 0.85 vs. NICK: 0.80 )
NICK' s 10-Year Price/Graham Number Range
Min: 0.26   Max: 1.28
Current: 0.8

0.26
1.28
Earnings Yield (Greenblatt) 9.80
NICK's Earnings Yield (Greenblatt) is ranked higher than
88% of the 127 Companies
in the Global Credit Services industry.

( Industry Median: 5.50 vs. NICK: 9.80 )
NICK' s 10-Year Earnings Yield (Greenblatt) Range
Min: 4.7   Max: 14.3
Current: 9.8

4.7
14.3
Forward Rate of Return (Yacktman) 33.24
NICK's Forward Rate of Return (Yacktman) is ranked higher than
84% of the 103 Companies
in the Global Credit Services industry.

( Industry Median: 12.04 vs. NICK: 33.24 )
NICK' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 11   Max: 66.3
Current: 33.24

11
66.3

Business Description

Industry: Credit Services » Credit Services
Compare:V, MA, TCAP, COF, RDCRL » details
Nicholas Financial, Inc. is a Canadian holding company incorporated under the laws of British Columbia in 1986. The Company, through its subsidiaries, operates as a specialized consumer finance company in the United States. It engages in acquiring and servicing contracts for purchases of new and used automobiles and light trucks, as well as makes direct loans and sells consumer-finance related products. The Company is also involved in the development, marketing, and support of industry-specific computer application software for small businesses.

Personalized Checklist








Within your circle of competence?
Macro economic environment favorable?
High quality business?
Enough margin of safety with stocks?
Gurus are buying?
Insiders are buying?
Management capable and shareholder friendly?
Catalyst for stock price to appreciate?
Your level of confidence with the research?

Add Notes, Comments or Ask Questions

User Comments

No comment yet

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)
Free 7-day Trial
FEEDBACK
Hide