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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
94% of the 256 Companies
in the Global Credit Services industry.

( Industry Median: 6.06 vs. NICK: 0.01 )
Ranked among companies with meaningful Cash to Debt only.
NICK' s 10-Year Cash to Debt Range
Min: 0  Med: 0.02 Max: N/A
Current: 0.01
Equity to Asset 0.30
NICK's Equity to Asset is ranked lower than
56% of the 183 Companies
in the Global Credit Services industry.

( Industry Median: 0.37 vs. NICK: 0.30 )
Ranked among companies with meaningful Equity to Asset only.
NICK' s 10-Year Equity to Asset Range
Min: 0.2  Med: 0.39 Max: 0.55
Current: 0.3
0.2
0.55
Interest Coverage 4.37
NICK's Interest Coverage is ranked lower than
62% of the 181 Companies
in the Global Credit Services industry.

( Industry Median: 16.15 vs. NICK: 4.37 )
Ranked among companies with meaningful Interest Coverage only.
NICK' s 10-Year Interest Coverage Range
Min: 1.4  Med: 2.74 Max: 7.39
Current: 4.37
1.4
7.39
F-Score: 5
Z-Score: 1.81
M-Score: -1.46
WACC vs ROIC
3.55%
5.50%
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 (%) 28.94
NICK's Operating margin (%) is ranked higher than
62% of the 269 Companies
in the Global Credit Services industry.

( Industry Median: 20.53 vs. NICK: 28.94 )
Ranked among companies with meaningful Operating margin (%) only.
NICK' s 10-Year Operating margin (%) Range
Min: 14.22  Med: 44.90 Max: 52.22
Current: 28.94
14.22
52.22
Net-margin (%) 17.85
NICK's Net-margin (%) is ranked higher than
52% of the 271 Companies
in the Global Credit Services industry.

( Industry Median: 17.41 vs. NICK: 17.85 )
Ranked among companies with meaningful Net-margin (%) only.
NICK' s 10-Year Net-margin (%) Range
Min: 8.88  Med: 19.37 Max: 27.6
Current: 17.85
8.88
27.6
ROE (%) 12.24
NICK's ROE (%) is ranked higher than
62% of the 267 Companies
in the Global Credit Services industry.

( Industry Median: 8.63 vs. NICK: 12.24 )
Ranked among companies with meaningful ROE (%) only.
NICK' s 10-Year ROE (%) Range
Min: 5.77  Med: 17.74 Max: 26.7
Current: 12.24
5.77
26.7
ROA (%) 5.21
NICK's ROA (%) is ranked higher than
68% of the 280 Companies
in the Global Credit Services industry.

( Industry Median: 2.98 vs. NICK: 5.21 )
Ranked among companies with meaningful ROA (%) only.
NICK' s 10-Year ROA (%) Range
Min: 2.43  Med: 5.41 Max: 8.89
Current: 5.21
2.43
8.89
ROC (Joel Greenblatt) (%) 11.43
NICK's ROC (Joel Greenblatt) (%) is ranked lower than
53% of the 217 Companies
in the Global Credit Services industry.

( Industry Median: 14.71 vs. NICK: 11.43 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
NICK' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 9.21  Med: 321.97 Max: 2551.02
Current: 11.43
9.21
2551.02
Revenue Growth (3Y)(%) 2.10
NICK's Revenue Growth (3Y)(%) is ranked lower than
58% of the 201 Companies
in the Global Credit Services industry.

( Industry Median: 5.50 vs. NICK: 2.10 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
NICK' s 10-Year Revenue Growth (3Y)(%) Range
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
56% of the 171 Companies
in the Global Credit Services industry.

( Industry Median: -3.30 vs. NICK: -8.10 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
NICK' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -15  Med: 12.50 Max: 58.1
Current: -8.1
-15
58.1
EPS Growth (3Y)(%) -9.30
NICK's EPS Growth (3Y)(%) is ranked lower than
65% of the 175 Companies
in the Global Credit Services industry.

( Industry Median: 4.60 vs. NICK: -9.30 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
NICK' s 10-Year EPS Growth (3Y)(%) Range
Min: -23.6  Med: 18.40 Max: 75
Current: -9.3
-23.6
75
» NICK's 10-Y Financials

Financials


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

» Details

Guru Trades

Q3 2014

NICK Guru Trades in Q3 2014

Tom Gayner 10,000 sh (New)
Jim Simons 380,629 sh (+17.20%)
» More
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
» 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) 8.48
NICK's P/E(ttm) is ranked higher than
76% of the 214 Companies
in the Global Credit Services industry.

( Industry Median: 14.70 vs. NICK: 8.48 )
Ranked among companies with meaningful P/E(ttm) only.
NICK' s 10-Year P/E(ttm) Range
Min: 3.56  Med: 9.15 Max: 15.41
Current: 8.48
3.56
15.41
PE(NRI) 8.50
NICK's PE(NRI) is ranked higher than
76% of the 215 Companies
in the Global Credit Services industry.

( Industry Median: 14.90 vs. NICK: 8.50 )
Ranked among companies with meaningful PE(NRI) only.
NICK' s 10-Year PE(NRI) Range
Min: 3.54  Med: 9.16 Max: 15.56
Current: 8.5
3.54
15.56
P/B 1.03
NICK's P/B is ranked higher than
51% of the 220 Companies
in the Global Credit Services industry.

( Industry Median: 1.04 vs. NICK: 1.03 )
Ranked among companies with meaningful P/B only.
NICK' s 10-Year P/B Range
Min: 0.25  Med: 1.18 Max: 2.59
Current: 1.03
0.25
2.59
P/S 1.56
NICK's P/S is ranked higher than
74% of the 262 Companies
in the Global Credit Services industry.

( Industry Median: 3.31 vs. NICK: 1.56 )
Ranked among companies with meaningful P/S only.
NICK' s 10-Year P/S Range
Min: 0.4  Med: 2.16 Max: 3.81
Current: 1.56
0.4
3.81
PFCF 4.69
NICK's PFCF is ranked higher than
72% of the 69 Companies
in the Global Credit Services industry.

( Industry Median: 8.29 vs. NICK: 4.69 )
Ranked among companies with meaningful PFCF only.
NICK' s 10-Year PFCF Range
Min: 1  Med: 7.04 Max: 11.81
Current: 4.69
1
11.81
POCF 4.63
NICK's POCF is ranked higher than
70% of the 87 Companies
in the Global Credit Services industry.

( Industry Median: 7.73 vs. NICK: 4.63 )
Ranked among companies with meaningful POCF only.
NICK' s 10-Year POCF Range
Min: 0.99  Med: 6.88 Max: 11.35
Current: 4.63
0.99
11.35
EV-to-EBIT 9.24
NICK's EV-to-EBIT is ranked higher than
74% of the 210 Companies
in the Global Credit Services industry.

( Industry Median: 19.08 vs. NICK: 9.24 )
Ranked among companies with meaningful EV-to-EBIT only.
NICK' s 10-Year EV-to-EBIT Range
Min: 7  Med: 11.20 Max: 21.4
Current: 9.24
7
21.4
PEG 2.13
NICK's PEG is ranked lower than
81% of the 62 Companies
in the Global Credit Services industry.

( Industry Median: 0.73 vs. NICK: 2.13 )
Ranked among companies with meaningful PEG only.
NICK' s 10-Year PEG Range
Min: 0.28  Med: 0.77 Max: 30.89
Current: 2.13
0.28
30.89
Shiller P/E 8.03
NICK's Shiller P/E is ranked higher than
73% of the 92 Companies
in the Global Credit Services industry.

( Industry Median: 12.94 vs. NICK: 8.03 )
Ranked among companies with meaningful Shiller P/E only.
NICK' s 10-Year Shiller P/E Range
Min: 2.33  Med: 10.96 Max: 19.4
Current: 8.03
2.33
19.4
Current Ratio 1.42
NICK's Current Ratio is ranked lower than
63% of the 134 Companies
in the Global Credit Services industry.

( Industry Median: 2.09 vs. NICK: 1.42 )
Ranked among companies with meaningful Current Ratio only.
NICK' s 10-Year Current Ratio Range
Min: 1.41  Med: 1.88 Max: 2.13
Current: 1.42
1.41
2.13
Quick Ratio 1.42
NICK's Quick Ratio is ranked lower than
61% of the 134 Companies
in the Global Credit Services industry.

( Industry Median: 1.83 vs. NICK: 1.42 )
Ranked among companies with meaningful Quick Ratio only.
NICK' s 10-Year Quick Ratio Range
Min: 1.41  Med: 1.88 Max: 2.13
Current: 1.42
1.41
2.13
Days Sales Outstanding 1.00
NICK's Days Sales Outstanding is ranked higher than
93% of the 184 Companies
in the Global Credit Services industry.

( Industry Median: 24.86 vs. NICK: 1.00 )
Ranked among companies with meaningful Days Sales Outstanding only.
NICK' s 10-Year Days Sales Outstanding Range
Min: 0.03  Med: 1.31 Max: 1391.82
Current: 1
0.03
1391.82

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.95
NICK's Dividend Yield is ranked lower than
79% of the 243 Companies
in the Global Credit Services industry.

( Industry Median: 2.42 vs. NICK: 0.95 )
Ranked among companies with meaningful Dividend Yield only.
NICK' s 10-Year Dividend Yield Range
Min: 0.24  Med: 1.55 Max: 3.7
Current: 0.95
0.24
3.7
Dividend growth (3y) -100.00
NICK's Dividend growth (3y) is ranked lower than
92% of the 75 Companies
in the Global Credit Services industry.

( Industry Median: 10.10 vs. NICK: -100.00 )
Ranked among companies with meaningful Dividend growth (3y) only.
NICK' s 10-Year Dividend growth (3y) Range
Min: 0  Med: 0.00 Max: -100
Current: -100
Yield on cost (5-Year) 0.95
NICK's Yield on cost (5-Year) is ranked lower than
83% of the 245 Companies
in the Global Credit Services industry.

( Industry Median: 3.48 vs. NICK: 0.95 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
NICK' s 10-Year Yield on cost (5-Year) Range
Min: 0.24  Med: 1.55 Max: 3.7
Current: 0.95
0.24
3.7
Share Buyback Rate -0.40
NICK's Share Buyback Rate is ranked higher than
68% of the 135 Companies
in the Global Credit Services industry.

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

Valuation & Return

vs
industry
vs
history
Price/Net Current Asset Value 1.10
NICK's Price/Net Current Asset Value is ranked higher than
68% of the 66 Companies
in the Global Credit Services industry.

( Industry Median: 2.50 vs. NICK: 1.10 )
Ranked among companies with meaningful Price/Net Current Asset Value only.
NICK' s 10-Year Price/Net Current Asset Value Range
Min: 0.35  Med: 1.23 Max: 1.57
Current: 1.1
0.35
1.57
Price/Tangible Book 1.02
NICK's Price/Tangible Book is ranked higher than
53% of the 214 Companies
in the Global Credit Services industry.

( Industry Median: 1.11 vs. NICK: 1.02 )
Ranked among companies with meaningful Price/Tangible Book only.
NICK' s 10-Year Price/Tangible Book Range
Min: 0.29  Med: 1.17 Max: 2.53
Current: 1.02
0.29
2.53
Price/Projected FCF 0.33
NICK's Price/Projected FCF is ranked higher than
78% of the 76 Companies
in the Global Credit Services industry.

( Industry Median: 0.76 vs. NICK: 0.33 )
Ranked among companies with meaningful Price/Projected FCF only.
NICK' s 10-Year Price/Projected FCF Range
Min: 0.12  Med: 0.50 Max: 0.99
Current: 0.33
0.12
0.99
Price/Median PS Value 0.69
NICK's Price/Median PS Value is ranked higher than
75% of the 232 Companies
in the Global Credit Services industry.

( Industry Median: 1.00 vs. NICK: 0.69 )
Ranked among companies with meaningful Price/Median PS Value only.
NICK' s 10-Year Price/Median PS Value Range
Min: 0.21  Med: 0.75 Max: 1.7
Current: 0.69
0.21
1.7
Price/Graham Number 0.52
NICK's Price/Graham Number is ranked higher than
76% of the 137 Companies
in the Global Credit Services industry.

( Industry Median: 0.83 vs. NICK: 0.52 )
Ranked among companies with meaningful Price/Graham Number only.
NICK' s 10-Year Price/Graham Number Range
Min: 0.26  Med: 0.61 Max: 1.28
Current: 0.52
0.26
1.28
Earnings Yield (Greenblatt) (%) 10.79
NICK's Earnings Yield (Greenblatt) (%) is ranked higher than
80% of the 263 Companies
in the Global Credit Services industry.

( Industry Median: 4.00 vs. NICK: 10.79 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
NICK' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 4.7  Med: 8.90 Max: 14.3
Current: 10.79
4.7
14.3
Forward Rate of Return (Yacktman) (%) 14.75
NICK's Forward Rate of Return (Yacktman) (%) is ranked higher than
65% of the 80 Companies
in the Global Credit Services industry.

( Industry Median: -0.10 vs. NICK: 14.75 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
NICK' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: 12.3  Med: 22.60 Max: 75.7
Current: 14.75
12.3
75.7

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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