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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 No Debt
NICK's Cash to Debt is ranked lower than
72% of the 68 Companies
in the Global Credit Services industry.

( Industry Median: 0.14 vs. NICK: No Debt )
NICK' s 10-Year Cash to Debt Range
Min: 0   Max: No Debt
Current: No Debt

Interest Coverage No Debt
NICK's Interest Coverage is ranked lower than
60% of the 68 Companies
in the Global Credit Services industry.

( Industry Median: 10000.00 vs. NICK: No Debt )
NICK' s 10-Year Interest Coverage Range
Min: 1   Max: No Debt
Current: No Debt

F-Score: 3
Z-Score: 2.8
M-Score: -2.36
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 (%) 49.00
NICK's Operating margin (%) is ranked higher than
76% of the 68 Companies
in the Global Credit Services industry.

( Industry Median: 28.70 vs. NICK: 49.00 )
NICK' s 10-Year Operating margin (%) Range
Min: 14.2   Max: 53
Current: 49

14.2
53
Net-margin (%) 30.2
NICK's Net-margin (%) is ranked higher than
71% of the 68 Companies
in the Global Credit Services industry.

( Industry Median: 18.90 vs. NICK: 30.2 )
NICK' s 10-Year Net-margin (%) Range
Min: 8.9   Max: 32.6
Current: 30.2

8.9
32.6
Revenue Growth (%) 4.5
NICK's Revenue Growth (%) is ranked higher than
72% of the 68 Companies
in the Global Credit Services industry.

( Industry Median: 1.90 vs. NICK: 4.5 )
NICK' s 10-Year Revenue Growth (%) Range
Min: -9.2   Max: 22.4
Current: 4.5

-9.2
22.4
EBITDA Growth (%) 16.6
NICK's EBITDA Growth (%) is ranked higher than
97% of the 68 Companies
in the Global Credit Services industry.

( Industry Median: 6.70 vs. NICK: 16.6 )
NICK' s 10-Year EBITDA Growth (%) Range
Min: -22.3   Max: 44.8
Current: 16.6

-22.3
44.8
EPS Growth (%) 16.9
NICK's EPS Growth (%) is ranked higher than
96% of the 68 Companies
in the Global Credit Services industry.

( Industry Median: 6.00 vs. NICK: 16.9 )
NICK' s 10-Year EPS Growth (%) Range
Min: -18.3   Max: 45.8
Current: 16.9

-18.3
45.8
» NICK's 10-Y Financials

Financials


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

» Details

Guru Trades

Q2 2012

NICK Guru Trades in Q2 2012

Tom Gayner 153,500 sh (unchged)
Jim Simons 192,629 sh (-3.07%)
» More
Q3 2012

NICK Guru Trades in Q3 2012

Jim Simons 196,329 sh (+1.92%)
Tom Gayner 153,500 sh (unchged)
» More
Q4 2012

NICK Guru Trades in Q4 2012

Chuck Royce 3,500 sh (New)
Tom Gayner 183,500 sh (+19.54%)
Jim Simons 202,229 sh (+3.01%)
» More
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
» 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 $ 13.682%0
Tom Gayner 2011-12-31 Add 83.83%0.05%$9.34 - $12.91 $ 13.6822%153500
Tom Gayner 2011-09-30 New Buy0.05%$9.59 - $12.54 $ 13.6822%83500
Glenn Greenberg 2010-12-31 Sold Out 0.03%$9.17 - $10.469 $ 13.6837%0
Glenn Greenberg 2010-06-30 New Buy0.03%$7.51 - $9.05 $ 13.6862%29177
Premium More recent guru trades are included for Premium Members only!!

Top Ranked Articles about Nicholas Financial, Inc.

The Top 10 Undervalued Predictable Companies Trading at 52-Week Lows Jim Simons,Chuck Royce - The Top 10 Undervalued Predictable Companies Trading At 52-Week Lows
There are several companies, with a ranking of either four or five stars in GuruFocus’ Business Predictability that are trading at or close to their 52-week lows. Using the GuruFocus Undervalued Predictable Company Screener, the following stocks showed up as the results that meet the mentioned criteria, as they trade right at their lowest, or no more than about $2 from their lowest in one year. [b] Read more...

Ratios

vs
industry
vs
history
P/E(ttm) 8.40
NICK's P/E(ttm) is ranked higher than
84% of the 68 Companies
in the Global Credit Services industry.

( Industry Median: 11.30 vs. NICK: 8.40 )
NICK' s 10-Year P/E(ttm) Range
Min: 1.76   Max: 23.35
Current: 8.4

1.76
23.35
P/S 2.36
NICK's P/S is ranked lower than
53% of the 68 Companies
in the Global Credit Services industry.

( Industry Median: 2.29 vs. NICK: 2.36 )
NICK' s 10-Year P/S Range
Min: 0.35   Max: 4.61
Current: 2.36

0.35
4.61
PFCF 10.06
NICK's PFCF is ranked higher than
54% of the 68 Companies
in the Global Credit Services industry.

( Industry Median: 6.12 vs. NICK: 10.06 )
NICK' s 10-Year PFCF Range
Min: 0.49   Max: 14.84
Current: 10.06

0.49
14.84
EV-to-EBIT 8.98
NICK's EV-to-EBIT is ranked higher than
94% of the 68 Companies
in the Global Credit Services industry.

( Industry Median: 16.25 vs. NICK: 8.98 )
NICK' s 10-Year EV-to-EBIT Range
Min: 5.6   Max: 52.5
Current: 8.98

5.6
52.5
PEG 0.2
NICK's PEG is ranked higher than
99% of the 68 Companies
in the Global Credit Services industry.

( Industry Median: 0.55 vs. NICK: 0.2 )
NICK' s 10-Year PEG Range
Min: 0.03   Max: 15.99
Current: 0.2

0.03
15.99
Shiller P/E 10.98
NICK's Shiller P/E is ranked higher than
76% of the 68 Companies
in the Global Credit Services industry.

( Industry Median: 10.04 vs. NICK: 10.98 )
NICK' s 10-Year Shiller P/E Range
Min: 2.45   Max: 20.01
Current: 10.98

2.45
20.01

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.36
NICK's Dividend Yield is ranked higher than
81% of the 68 Companies
in the Global Credit Services industry.

( Industry Median: 2.45 vs. NICK: 3.36 )
NICK' s 10-Year Dividend Yield Range
Min: 0.24   Max: 3.7
Current: 3.36

0.24
3.7
Yield on cost (5-Year) 3.40
NICK's Yield on cost (5-Year) is ranked higher than
78% of the 68 Companies
in the Global Credit Services industry.

( Industry Median: 2.90 vs. NICK: 3.40 )
NICK' s 10-Year Yield on cost (5-Year) Range
Min: 0.24   Max: 3.7
Current: 3.4

0.24
3.7
Share Buyback Rate -1
NICK's Share Buyback Rate is ranked higher than
60% of the 68 Companies
in the Global Credit Services industry.

( Industry Median: -0.50 vs. NICK: -1 )
NICK' s 10-Year Share Buyback Rate Range
Min: 9.2   Max: -20.6
Current: -1

Valuation & Return

vs
industry
vs
history
Earnings Yield (Greenblatt) 11.10
NICK's Earnings Yield (Greenblatt) is ranked higher than
94% of the 68 Companies
in the Global Credit Services industry.

( Industry Median: 8.45 vs. NICK: 11.10 )
NICK' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.9   Max: 18
Current: 11.1

1.9
18
Forward Rate of Return (Yacktman) 59.08
NICK's Forward Rate of Return (Yacktman) is ranked higher than
75% of the 68 Companies
in the Global Credit Services industry.

( Industry Median: 19.78 vs. NICK: 59.08 )
NICK' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -0.5   Max: 235.6
Current: 59.08

-0.5
235.6

Business Description

Nicholas Financial, Inc. is a Canadian holding company incorporated under the laws of British Columbia in 1986. The business activities of Nicholas Financial-Canada are conducted through its two wholly-owned subsidiaries formed pursuant to the laws of the State of Florida, Nicholas Financial, Inc. ('Nicholas Financial') and Nicholas Data Services, Inc. ('NDS'). The company is a specialized consumer finance company engaged primarily in acquiring and servicing Contracts for purchases of new and used automobiles and light trucks. To a lesser extent, Nicholas Financial also makes direct loans and sells consumer-finance related products. NDS is engaged in supporting and updating industry-specific computer application software for small businesses located primarily in the Southeast United States. Nicholas Financial's financing activities accounted for more than 99% of the Company's consolidated revenues for each of the fiscal years ended March 31, 2012, 2011 and 2010. NDS's activities accounted for less than 1% of consolidated revenues during the same periods.
Company Website
SEC Reports
Industry: Credit Services
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