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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 0.01
NICK's Cash to Debt is ranked lower than
92% of the 289 Companies
in the Global Credit Services industry.

( Industry Median: 0.69 vs. NICK: 0.01 )
Ranked among companies with meaningful Cash to Debt only.
NICK' s Cash to Debt Range Over the Past 10 Years
Min: 0  Med: 0.02 Max: N/A
Current: 0.01
Equity to Asset 0.31
NICK's Equity to Asset is ranked lower than
65% of the 300 Companies
in the Global Credit Services industry.

( Industry Median: 0.46 vs. NICK: 0.31 )
Ranked among companies with meaningful Equity to Asset only.
NICK' s Equity to Asset Range Over the Past 10 Years
Min: 0.2  Med: 0.39 Max: 0.55
Current: 0.31
0.2
0.55
Interest Coverage 2.63
NICK's Interest Coverage is ranked lower than
58% of the 241 Companies
in the Global Credit Services industry.

( Industry Median: 5.06 vs. NICK: 2.63 )
Ranked among companies with meaningful Interest Coverage only.
NICK' s Interest Coverage Range Over the Past 10 Years
Min: 1.4  Med: 4.63 Max: 7.39
Current: 2.63
1.4
7.39
F-Score: 5
Z-Score: 1.75
M-Score: -1.44
WACC vs ROIC
3.52%
4.56%
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 : 7/10

vs
industry
vs
history
Operating margin (%) 24.51
NICK's Operating margin (%) is ranked higher than
67% of the 308 Companies
in the Global Credit Services industry.

( Industry Median: 17.70 vs. NICK: 24.51 )
Ranked among companies with meaningful Operating margin (%) only.
NICK' s Operating margin (%) Range Over the Past 10 Years
Min: 14.22  Med: 37.04 Max: 50.08
Current: 24.51
14.22
50.08
Net-margin (%) 15.10
NICK's Net-margin (%) is ranked higher than
55% of the 309 Companies
in the Global Credit Services industry.

( Industry Median: 13.66 vs. NICK: 15.10 )
Ranked among companies with meaningful Net-margin (%) only.
NICK' s Net-margin (%) Range Over the Past 10 Years
Min: 8.88  Med: 22.25 Max: 27.6
Current: 15.1
8.88
27.6
ROE (%) 12.59
NICK's ROE (%) is ranked higher than
67% of the 302 Companies
in the Global Credit Services industry.

( Industry Median: 6.09 vs. NICK: 12.59 )
Ranked among companies with meaningful ROE (%) only.
NICK' s ROE (%) Range Over the Past 10 Years
Min: 5.77  Med: 14.88 Max: 20.11
Current: 12.59
5.77
20.11
ROA (%) 4.33
NICK's ROA (%) is ranked higher than
72% of the 319 Companies
in the Global Credit Services industry.

( Industry Median: 2.20 vs. NICK: 4.33 )
Ranked among companies with meaningful ROA (%) only.
NICK' s ROA (%) Range Over the Past 10 Years
Min: 2.43  Med: 6.64 Max: 8.89
Current: 4.33
2.43
8.89
ROC (Joel Greenblatt) (%) 10.30
NICK's ROC (Joel Greenblatt) (%) is ranked lower than
51% of the 249 Companies
in the Global Credit Services industry.

( Industry Median: 11.57 vs. NICK: 10.30 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
NICK' s ROC (Joel Greenblatt) (%) Range Over the Past 10 Years
Min: 9.21  Med: 15.70 Max: 2551.02
Current: 10.3
9.21
2551.02
Revenue Growth (3Y)(%) 2.10
NICK's Revenue Growth (3Y)(%) is ranked lower than
53% of the 223 Companies
in the Global Credit Services industry.

( Industry Median: 4.50 vs. NICK: 2.10 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
NICK' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -7.1  Med: 10.90 Max: 55.1
Current: 2.1
-7.1
55.1
EBITDA Growth (3Y)(%) -8.10
NICK's EBITDA Growth (3Y)(%) is ranked lower than
64% of the 196 Companies
in the Global Credit Services industry.

( Industry Median: 9.60 vs. NICK: -8.10 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
NICK' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -15  Med: 12.50 Max: 58.1
Current: -8.1
-15
58.1
EPS Growth (3Y)(%) -9.20
NICK's EPS Growth (3Y)(%) is ranked lower than
66% of the 201 Companies
in the Global Credit Services industry.

( Industry Median: 8.30 vs. NICK: -9.20 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
NICK' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -23.4  Med: 18.30 Max: 75.4
Current: -9.2
-23.4
75.4
» NICK's 10-Y Financials

Financials


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

» Details

Guru Trades

Q4 2014

NICK Guru Trades in Q4 2014

Tom Gayner 45,000 sh (+350.00%)
Jim Simons 403,329 sh (+5.96%)
» More
Q1 2015

NICK Guru Trades in Q1 2015

Jim Simons 467,824 sh (+15.99%)
Tom Gayner Sold Out
» More
Q2 2015

NICK Guru Trades in Q2 2015

Jim Simons 505,229 sh (+8.00%)
» More
Q3 2015

NICK Guru Trades in Q3 2015

Jim Simons 483,206 sh (-4.36%)
» More
» Details

Insider Trades

Latest Guru Trades with NICK

(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) 6.87
NICK's P/E(ttm) is ranked higher than
82% of the 336 Companies
in the Global Credit Services industry.

( Industry Median: 13.80 vs. NICK: 6.87 )
Ranked among companies with meaningful P/E(ttm) only.
NICK' s P/E(ttm) Range Over the Past 10 Years
Min: 3.56  Med: 8.99 Max: 15.42
Current: 6.87
3.56
15.42
PE(NRI) 6.87
NICK's PE(NRI) is ranked higher than
79% of the 254 Companies
in the Global Credit Services industry.

( Industry Median: 13.90 vs. NICK: 6.87 )
Ranked among companies with meaningful PE(NRI) only.
NICK' s PE(NRI) Range Over the Past 10 Years
Min: 3.54  Med: 9.01 Max: 15.57
Current: 6.87
3.54
15.57
P/B 0.80
NICK's P/B is ranked higher than
62% of the 408 Companies
in the Global Credit Services industry.

( Industry Median: 1.09 vs. NICK: 0.80 )
Ranked among companies with meaningful P/B only.
NICK' s P/B Range Over the Past 10 Years
Min: 0.25  Med: 1.15 Max: 2.59
Current: 0.8
0.25
2.59
P/S 1.17
NICK's P/S is ranked higher than
77% of the 409 Companies
in the Global Credit Services industry.

( Industry Median: 2.56 vs. NICK: 1.17 )
Ranked among companies with meaningful P/S only.
NICK' s P/S Range Over the Past 10 Years
Min: 0.4  Med: 2.08 Max: 3.81
Current: 1.17
0.4
3.81
PFCF 3.99
NICK's PFCF is ranked higher than
76% of the 129 Companies
in the Global Credit Services industry.

( Industry Median: 11.12 vs. NICK: 3.99 )
Ranked among companies with meaningful PFCF only.
NICK' s PFCF Range Over the Past 10 Years
Min: 1  Med: 6.39 Max: 11.82
Current: 3.99
1
11.82
POCF 3.82
NICK's POCF is ranked higher than
79% of the 163 Companies
in the Global Credit Services industry.

( Industry Median: 8.51 vs. NICK: 3.82 )
Ranked among companies with meaningful POCF only.
NICK' s POCF Range Over the Past 10 Years
Min: 0.98  Med: 6.28 Max: 11.35
Current: 3.82
0.98
11.35
EV-to-EBIT 9.33
NICK's EV-to-EBIT is ranked higher than
73% of the 340 Companies
in the Global Credit Services industry.

( Industry Median: 17.15 vs. NICK: 9.33 )
Ranked among companies with meaningful EV-to-EBIT only.
NICK' s EV-to-EBIT Range Over the Past 10 Years
Min: 6.1  Med: 8.90 Max: 13.9
Current: 9.33
6.1
13.9
EV-to-EBITDA 9.21
NICK's EV-to-EBITDA is ranked higher than
68% of the 347 Companies
in the Global Credit Services industry.

( Industry Median: 15.59 vs. NICK: 9.21 )
Ranked among companies with meaningful EV-to-EBITDA only.
NICK' s EV-to-EBITDA Range Over the Past 10 Years
Min: 6.1  Med: 8.80 Max: 13.6
Current: 9.21
6.1
13.6
PEG 1.73
NICK's PEG is ranked lower than
76% of the 79 Companies
in the Global Credit Services industry.

( Industry Median: 0.58 vs. NICK: 1.73 )
Ranked among companies with meaningful PEG only.
NICK' s PEG Range Over the Past 10 Years
Min: 0.31  Med: 0.79 Max: 16.39
Current: 1.73
0.31
16.39
Shiller P/E 8.00
NICK's Shiller P/E is ranked higher than
75% of the 51 Companies
in the Global Credit Services industry.

( Industry Median: 13.74 vs. NICK: 8.00 )
Ranked among companies with meaningful Shiller P/E only.
NICK' s Shiller P/E Range Over the Past 10 Years
Min: 2.58  Med: 11.68 Max: 23.04
Current: 8
2.58
23.04
Current Ratio 1.42
NICK's Current Ratio is ranked lower than
72% of the 237 Companies
in the Global Credit Services industry.

( Industry Median: 2.76 vs. NICK: 1.42 )
Ranked among companies with meaningful Current Ratio only.
NICK' s Current Ratio Range Over the Past 10 Years
Min: 1.41  Med: 1.87 Max: 2.13
Current: 1.42
1.41
2.13
Quick Ratio 1.42
NICK's Quick Ratio is ranked lower than
70% of the 237 Companies
in the Global Credit Services industry.

( Industry Median: 2.46 vs. NICK: 1.42 )
Ranked among companies with meaningful Quick Ratio only.
NICK' s Quick Ratio Range Over the Past 10 Years
Min: 1.41  Med: 1.87 Max: 2.13
Current: 1.42
1.41
2.13
Days Sales Outstanding 1.00
NICK's Days Sales Outstanding is ranked higher than
91% of the 155 Companies
in the Global Credit Services industry.

( Industry Median: 31.48 vs. NICK: 1.00 )
Ranked among companies with meaningful Days Sales Outstanding only.
NICK' s Days Sales Outstanding Range Over the Past 10 Years
Min: 0.03  Med: 1152.81 Max: 1338.29
Current: 1
0.03
1338.29

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.11
NICK's Dividend Yield is ranked lower than
78% of the 268 Companies
in the Global Credit Services industry.

( Industry Median: 8.00 vs. NICK: 1.11 )
Ranked among companies with meaningful Dividend Yield only.
NICK' s Dividend Yield Range Over the Past 10 Years
Min: 0.24  Med: 2.14 Max: 3.7
Current: 1.11
0.24
3.7
Dividend Growth (3y) -100.00
NICK's Dividend Growth (3y) is ranked lower than
92% of the 85 Companies
in the Global Credit Services industry.

( Industry Median: 9.00 vs. NICK: -100.00 )
Ranked among companies with meaningful Dividend Growth (3y) only.
NICK' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: 0.00 Max: -100
Current: -100
Yield on cost (5-Year) 1.11
NICK's Yield on cost (5-Year) is ranked lower than
84% of the 269 Companies
in the Global Credit Services industry.

( Industry Median: 3.74 vs. NICK: 1.11 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
NICK' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0.24  Med: 2.14 Max: 3.7
Current: 1.11
0.24
3.7
3-Year Average Share Buyback Ratio -0.40
NICK's 3-Year Average Share Buyback Ratio is ranked higher than
70% of the 145 Companies
in the Global Credit Services industry.

( Industry Median: -4.80 vs. NICK: -0.40 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
NICK' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -25.8  Med: -1.50 Max: 15.5
Current: -0.4
-25.8
15.5

Valuation & Return

vs
industry
vs
history
Price/Net Current Asset Value 0.91
NICK's Price/Net Current Asset Value is ranked higher than
78% of the 198 Companies
in the Global Credit Services industry.

( Industry Median: 2.59 vs. NICK: 0.91 )
Ranked among companies with meaningful Price/Net Current Asset Value only.
NICK' s Price/Net Current Asset Value Range Over the Past 10 Years
Min: 0.35  Med: 1.21 Max: 1.57
Current: 0.91
0.35
1.57
Price/Tangible Book 0.81
NICK's Price/Tangible Book is ranked higher than
66% of the 380 Companies
in the Global Credit Services industry.

( Industry Median: 1.24 vs. NICK: 0.81 )
Ranked among companies with meaningful Price/Tangible Book only.
NICK' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.29  Med: 1.17 Max: 2.53
Current: 0.81
0.29
2.53
Price/Projected FCF 0.25
NICK's Price/Projected FCF is ranked higher than
81% of the 133 Companies
in the Global Credit Services industry.

( Industry Median: 0.85 vs. NICK: 0.25 )
Ranked among companies with meaningful Price/Projected FCF only.
NICK' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.12  Med: 0.46 Max: 0.99
Current: 0.25
0.12
0.99
Price/Median PS Value 0.53
NICK's Price/Median PS Value is ranked higher than
80% of the 355 Companies
in the Global Credit Services industry.

( Industry Median: 0.95 vs. NICK: 0.53 )
Ranked among companies with meaningful Price/Median PS Value only.
NICK' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.22  Med: 0.78 Max: 1.77
Current: 0.53
0.22
1.77
Price/Graham Number 0.49
NICK's Price/Graham Number is ranked higher than
77% of the 311 Companies
in the Global Credit Services industry.

( Industry Median: 0.92 vs. NICK: 0.49 )
Ranked among companies with meaningful Price/Graham Number only.
NICK' s Price/Graham Number Range Over the Past 10 Years
Min: 0.26  Med: 0.62 Max: 1.3
Current: 0.49
0.26
1.3
Earnings Yield (Greenblatt) (%) 10.72
NICK's Earnings Yield (Greenblatt) (%) is ranked higher than
79% of the 296 Companies
in the Global Credit Services industry.

( Industry Median: 3.50 vs. NICK: 10.72 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
NICK' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 7.2  Med: 11.20 Max: 16.3
Current: 10.72
7.2
16.3
Forward Rate of Return (Yacktman) (%) 20.40
NICK's Forward Rate of Return (Yacktman) (%) is ranked higher than
67% of the 80 Companies
in the Global Credit Services industry.

( Industry Median: 6.83 vs. NICK: 20.40 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
NICK' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: 12.5  Med: 22.10 Max: 76.3
Current: 20.4
12.5
76.3

More Statistics

Revenue(Mil) $89
EPS $ 1.57
Beta0.65
Short Percentage of Float0.27%
52-Week Range $9.92 - 15.47
Shares Outstanding(Mil)7.72

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 is engaged 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. The Company's financing operations are subject to regulation, supervision and licensing under various federal, state and local statutes and ordinances.
» More Articles for NICK

Headlines

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Nicholas Financial: Quality on Sale Oct 19 2011 
Nicholas Financial Inc. Reports Operating Results (10-Q) Feb 11 2011 
Nicholas Financial Inc. Reports Operating Results (10-Q) Nov 12 2010 

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