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 : 5/10

vs
industry
vs
history
Cash to Debt 0.01
NICK's Cash to Debt is ranked lower than
95% of the 311 Companies
in the Global Credit Services industry.

( Industry Median: 9999.00 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
64% of the 313 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
59% of the 263 Companies
in the Global Credit Services industry.

( Industry Median: 4.20 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: -1.43
WACC vs ROIC
3.74%
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
54% of the 328 Companies
in the Global Credit Services industry.

( Industry Median: 20.23 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 lower than
51% of the 329 Companies
in the Global Credit Services industry.

( Industry Median: 15.37 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
66% of the 318 Companies
in the Global Credit Services industry.

( Industry Median: 6.80 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
68% of the 335 Companies
in the Global Credit Services industry.

( Industry Median: 2.28 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) (%) 10.32
NICK's ROC (Joel Greenblatt) (%) is ranked lower than
53% of the 257 Companies
in the Global Credit Services industry.

( Industry Median: 13.83 vs. NICK: 10.32 )
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: 10.32
9.21
2551.02
Revenue Growth (3Y)(%) 2.10
NICK's Revenue Growth (3Y)(%) is ranked lower than
51% of the 236 Companies
in the Global Credit Services industry.

( Industry Median: 2.50 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: -7.2  Med: 11.10 Max: 55.4
Current: 2.1
-7.2
55.4
EBITDA Growth (3Y)(%) -8.20
NICK's EBITDA Growth (3Y)(%) is ranked lower than
70% of the 203 Companies
in the Global Credit Services industry.

( Industry Median: 8.00 vs. NICK: -8.20 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
NICK' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -14.9  Med: 12.50 Max: 58.5
Current: -8.2
-14.9
58.5
EPS Growth (3Y)(%) -9.20
NICK's EPS Growth (3Y)(%) is ranked lower than
67% of the 206 Companies
in the Global Credit Services industry.

( Industry Median: 5.30 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 (Next Earnings Date: Est. 2016-05-07)


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

» Details

Guru Trades

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
Q4 2015

NICK Guru Trades in Q4 2015

Jim Simons 493,429 sh (+2.12%)
» 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%)

No Entry found in the selected group of Gurus. You can
  • 1. Modify your Personalized List of Gurus, or
  • 2. Click on Premium Premium Tools above to check out all the Gurus, or
  • 3. Click on Premium Plus Premium Plus above for the stocks picks of all the institutional investment advisors (>4000)
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 6.76
NICK's P/E(ttm) is ranked higher than
80% of the 257 Companies
in the Global Credit Services industry.

( Industry Median: 14.41 vs. NICK: 6.76 )
Ranked among companies with meaningful P/E(ttm) only.
NICK' s P/E(ttm) Range Over the Past 10 Years
Min: 3.56  Med: 8.90 Max: 15
Current: 6.76
3.56
15
PE(NRI) 6.76
NICK's PE(NRI) is ranked higher than
80% of the 258 Companies
in the Global Credit Services industry.

( Industry Median: 14.29 vs. NICK: 6.76 )
Ranked among companies with meaningful PE(NRI) only.
NICK' s PE(NRI) Range Over the Past 10 Years
Min: 3.54  Med: 8.90 Max: 15.04
Current: 6.76
3.54
15.04
Price/Owner Earnings (ttm) 5.66
NICK's Price/Owner Earnings (ttm) is ranked higher than
73% of the 63 Companies
in the Global Credit Services industry.

( Industry Median: 12.06 vs. NICK: 5.66 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
NICK' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 4.63  Med: 8.44 Max: 16.48
Current: 5.66
4.63
16.48
P/B 0.83
NICK's P/B is ranked higher than
63% of the 310 Companies
in the Global Credit Services industry.

( Industry Median: 1.07 vs. NICK: 0.83 )
Ranked among companies with meaningful P/B only.
NICK' s P/B Range Over the Past 10 Years
Min: 0.25  Med: 1.14 Max: 2.57
Current: 0.83
0.25
2.57
P/S 0.99
NICK's P/S is ranked higher than
83% of the 312 Companies
in the Global Credit Services industry.

( Industry Median: 3.18 vs. NICK: 0.99 )
Ranked among companies with meaningful P/S only.
NICK' s P/S Range Over the Past 10 Years
Min: 0.4  Med: 2.01 Max: 3.8
Current: 0.99
0.4
3.8
PFCF 3.81
NICK's PFCF is ranked higher than
73% of the 66 Companies
in the Global Credit Services industry.

( Industry Median: 8.30 vs. NICK: 3.81 )
Ranked among companies with meaningful PFCF only.
NICK' s PFCF Range Over the Past 10 Years
Min: 1  Med: 6.78 Max: 11.72
Current: 3.81
1
11.72
POCF 3.64
NICK's POCF is ranked higher than
74% of the 90 Companies
in the Global Credit Services industry.

( Industry Median: 8.67 vs. NICK: 3.64 )
Ranked among companies with meaningful POCF only.
NICK' s POCF Range Over the Past 10 Years
Min: 0.98  Med: 6.68 Max: 11.25
Current: 3.64
0.98
11.25
EV-to-EBIT 9.67
NICK's EV-to-EBIT is ranked higher than
67% of the 254 Companies
in the Global Credit Services industry.

( Industry Median: 16.43 vs. NICK: 9.67 )
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: 9.67
6.1
13.9
EV-to-EBITDA 9.54
NICK's EV-to-EBITDA is ranked higher than
65% of the 260 Companies
in the Global Credit Services industry.

( Industry Median: 15.61 vs. NICK: 9.54 )
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: 9.54
6.1
13.6
PEG 1.70
NICK's PEG is ranked lower than
76% of the 84 Companies
in the Global Credit Services industry.

( Industry Median: 0.68 vs. NICK: 1.70 )
Ranked among companies with meaningful PEG only.
NICK' s PEG Range Over the Past 10 Years
Min: 0.31  Med: 0.76 Max: 21.23
Current: 1.7
0.31
21.23
Shiller P/E 8.12
NICK's Shiller P/E is ranked higher than
81% of the 36 Companies
in the Global Credit Services industry.

( Industry Median: 13.56 vs. NICK: 8.12 )
Ranked among companies with meaningful Shiller P/E only.
NICK' s Shiller P/E Range Over the Past 10 Years
Min: 2.58  Med: 11.65 Max: 23.04
Current: 8.12
2.58
23.04
Current Ratio 1.43
NICK's Current Ratio is ranked lower than
66% of the 151 Companies
in the Global Credit Services industry.

( Industry Median: 2.45 vs. NICK: 1.43 )
Ranked among companies with meaningful Current Ratio only.
NICK' s Current Ratio Range Over the Past 10 Years
Min: 1.41  Med: 1.86 Max: 2.13
Current: 1.43
1.41
2.13
Quick Ratio 1.43
NICK's Quick Ratio is ranked lower than
66% of the 151 Companies
in the Global Credit Services industry.

( Industry Median: 2.27 vs. NICK: 1.43 )
Ranked among companies with meaningful Quick Ratio only.
NICK' s Quick Ratio Range Over the Past 10 Years
Min: 1.41  Med: 1.86 Max: 2.13
Current: 1.43
1.41
2.13
Days Sales Outstanding 1.00
NICK's Days Sales Outstanding is ranked higher than
91% of the 158 Companies
in the Global Credit Services industry.

( Industry Median: 21.48 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

Valuation & Return

vs
industry
vs
history
Price/Net Current Asset Value 0.90
NICK's Price/Net Current Asset Value is ranked higher than
80% of the 84 Companies
in the Global Credit Services industry.

( Industry Median: 2.48 vs. NICK: 0.90 )
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: 1.20 Max: 1.57
Current: 0.9
0.35
1.57
Price/Tangible Book 0.82
NICK's Price/Tangible Book is ranked higher than
64% of the 307 Companies
in the Global Credit Services industry.

( Industry Median: 1.15 vs. NICK: 0.82 )
Ranked among companies with meaningful Price/Tangible Book only.
NICK' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.29  Med: 1.16 Max: 2.53
Current: 0.82
0.29
2.53
Price/Projected FCF 0.20
NICK's Price/Projected FCF is ranked higher than
94% of the 67 Companies
in the Global Credit Services industry.

( Industry Median: 0.85 vs. NICK: 0.20 )
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: 1.05
Current: 0.2
0.12
1.05
Price/Median PS Value 0.50
NICK's Price/Median PS Value is ranked higher than
83% of the 283 Companies
in the Global Credit Services industry.

( Industry Median: 0.94 vs. NICK: 0.50 )
Ranked among companies with meaningful Price/Median PS Value only.
NICK' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.23  Med: 0.79 Max: 1.82
Current: 0.5
0.23
1.82
Price/Graham Number 0.50
NICK's Price/Graham Number is ranked higher than
79% of the 171 Companies
in the Global Credit Services industry.

( Industry Median: 0.88 vs. NICK: 0.50 )
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: 1.31
Current: 0.5
0.26
1.31
Earnings Yield (Greenblatt) (%) 10.32
NICK's Earnings Yield (Greenblatt) (%) is ranked higher than
73% of the 318 Companies
in the Global Credit Services industry.

( Industry Median: 4.20 vs. NICK: 10.32 )
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: 10.32
7.2
16.3
Forward Rate of Return (Yacktman) (%) 18.35
NICK's Forward Rate of Return (Yacktman) (%) is ranked higher than
70% of the 82 Companies
in the Global Credit Services industry.

( Industry Median: 3.83 vs. NICK: 18.35 )
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: 12.3  Med: 22.30 Max: 76.4
Current: 18.35
12.3
76.4

More Statistics

Revenue(Mil) $89
EPS $ 1.57
Beta0.64
Short Percentage of Float0.22%
52-Week Range $9.92 - 14.08
Shares Outstanding(Mil)7.75

Business Description

Industry: Credit Services » Credit Services
Compare:MUS:UFCI, WAR:MAG, ASX:MNY, NAS:CPSS, BOM:537800, COL:COCR.N0000 » 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

Articles On GuruFocus.com
Blue Tower Asset Management 2Q Letter Aug 20 2015 
3 Stocks With No Analyst Coverage – Blue Tower 2Q 2015 Letter Jul 14 2015 
Tom Gayner's Stocks trading at Low P/E Apr 09 2015 
The Top 10 Undervalued Predictable Companies Trading at 52-Week Lows Dec 05 2012 
Top 5 Undervalued Predictable Companies with the Highest Yields Nov 28 2012 
The Best Yielding Stock Buys of Thomas Gayner (Markel Asset Management) Mar 08 2012 
Value Idea Contest Results Announcement Apr 12 2012 
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 

More From Other Websites
NICHOLAS FINANCIAL INC Financials Feb 12 2016
NICHOLAS FINANCIAL INC Files SEC form 10-Q, Quarterly Report Feb 09 2016
Nicholas Financial, Inc. Earnings Analysis: Q3, 2016 By the Numbers Feb 02 2016
NICHOLAS FINANCIAL INC Files SEC form 8-K/A, Results of Operations and Financial Condition,... Feb 01 2016
Nicholas Financial posts 3Q profit Jan 28 2016
Nicholas Financial posts 3Q profit Jan 28 2016
Nicholas Financial Reports 3rd Quarter Results Jan 28 2016
NICHOLAS FINANCIAL INC Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Jan 28 2016
Where Investors Are Going - Comprehensive Research on Nicholas Financial, Ryerson Holding,... Dec 18 2015
Technical Data Reveals Conditions of Growth - Research on Bravo Brio Restaurant Group, Ryerson... Nov 30 2015
Here is What Hedge Funds Think About SCYNEXIS Inc (SCYX) Nov 27 2015
Is Intevac, Inc. (IVAC) A Good Stock To Buy? Nov 24 2015
NICHOLAS FINANCIAL INC Files SEC form 10-Q, Quarterly Report Nov 09 2015
Nicholas Financial posts 2Q profit Oct 29 2015
Nicholas Financial posts 2Q profit Oct 29 2015
NICHOLAS FINANCIAL INC Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Oct 29 2015
Nicholas Financial, Inc. Earnings Q1, 2015 Sep 11 2015
NICHOLAS FINANCIAL INC Files SEC form 8-K, Submission of Matters to a Vote of Security Holders Aug 28 2015
NICHOLAS FINANCIAL INC Files SEC form 10-Q, Quarterly Report Aug 10 2015
Nicholas Financial posts 1Q profit Aug 04 2015
Nicholas Financial posts 1Q profit Aug 04 2015
NICHOLAS FINANCIAL INC Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Aug 04 2015
NICHOLAS FINANCIAL INC Files SEC form 10-K, Annual Report Jun 15 2015
Nicholas Financial posts 4Q profit May 07 2015
Nicholas Financial posts 4Q profit May 07 2015
NICHOLAS FINANCIAL INC Files SEC form 8-K, Results of Operations and Financial Condition, Financial... May 07 2015

Personalized Checklist

Checklist has been moved to "Checklist" tab.

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)
FEEDBACK