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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
95% of the 317 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 0.32
NICK's Equity to Asset is ranked lower than
64% of the 315 Companies
in the Global Credit Services industry.

( Industry Median: 0.47 vs. NICK: 0.32 )
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: 0.32
0.2
0.55
Interest Coverage 2.23
NICK's Interest Coverage is ranked lower than
59% of the 263 Companies
in the Global Credit Services industry.

( Industry Median: 3.39 vs. NICK: 2.23 )
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: 2.23
1.4
7.39
F-Score: 5
Z-Score: 1.75
M-Score: -1.43
WACC vs ROIC
3.72%
4.10%
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 : 8/10

vs
industry
vs
history
Operating margin (%) 22.16
NICK's Operating margin (%) is ranked higher than
52% of the 332 Companies
in the Global Credit Services industry.

( Industry Median: 20.46 vs. NICK: 22.16 )
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: 53.05
Current: 22.16
14.22
53.05
Net-margin (%) 13.65
NICK's Net-margin (%) is ranked lower than
52% of the 332 Companies
in the Global Credit Services industry.

( Industry Median: 15.01 vs. NICK: 13.65 )
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: 32.61
Current: 13.65
8.88
32.61
ROE (%) 12.80
NICK's ROE (%) is ranked higher than
69% of the 320 Companies
in the Global Credit Services industry.

( Industry Median: 6.58 vs. NICK: 12.80 )
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: 12.8
5.77
20.11
ROA (%) 3.90
NICK's ROA (%) is ranked higher than
65% of the 338 Companies
in the Global Credit Services industry.

( Industry Median: 2.27 vs. NICK: 3.90 )
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: 3.9
2.43
8.89
ROC (Joel Greenblatt) (%) 9.72
NICK's ROC (Joel Greenblatt) (%) is ranked lower than
52% of the 260 Companies
in the Global Credit Services industry.

( Industry Median: 11.80 vs. NICK: 9.72 )
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: 9.72
9.21
2551.02
Revenue Growth (3Y)(%) 7.90
NICK's Revenue Growth (3Y)(%) is ranked higher than
57% of the 239 Companies
in the Global Credit Services industry.

( Industry Median: 2.30 vs. NICK: 7.90 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
NICK' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -12.2  Med: 9.95 Max: 61.6
Current: 7.9
-12.2
61.6
EBITDA Growth (3Y)(%) -8.20
NICK's EBITDA Growth (3Y)(%) is ranked lower than
68% of the 203 Companies
in the Global Credit Services industry.

( Industry Median: 7.60 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: 14.65 Max: 69.3
Current: -8.2
-14.9
69.3
EPS Growth (3Y)(%) -9.20
NICK's EPS Growth (3Y)(%) is ranked lower than
68% of the 199 Companies
in the Global Credit Services industry.

( Industry Median: 4.80 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: 19.65 Max: 91.3
Current: -9.2
-23.4
91.3
» NICK's 10-Y Financials

Financials (Next Earnings Date: Est. 2016-08-04)


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

» Details

Guru Trades

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
Q1 2016

NICK Guru Trades in Q1 2016

Jim Simons 501,369 sh (+1.61%)
» 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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Business Description

Industry: Credit Services » Credit Services
Compare:LSE:HAT, TSXV:INP, OSL:AXA, NAS:ASFI, MUS:UFCI, NSE:SATIN » details
Nicholas Financial Inc, through its subsidiaries, 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.

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.

Ratios

vs
industry
vs
history
P/E(ttm) 6.74
NICK's P/E(ttm) is ranked higher than
81% of the 269 Companies
in the Global Credit Services industry.

( Industry Median: 14.73 vs. NICK: 6.74 )
Ranked among companies with meaningful P/E(ttm) only.
NICK' s P/E(ttm) Range Over the Past 10 Years
Min: 3.56  Med: 8.89 Max: 15
Current: 6.74
3.56
15
PE(NRI) 6.74
NICK's PE(NRI) is ranked higher than
81% of the 262 Companies
in the Global Credit Services industry.

( Industry Median: 14.02 vs. NICK: 6.74 )
Ranked among companies with meaningful PE(NRI) only.
NICK' s PE(NRI) Range Over the Past 10 Years
Min: 3.54  Med: 8.89 Max: 15.04
Current: 6.74
3.54
15.04
Price/Owner Earnings (ttm) 5.72
NICK's Price/Owner Earnings (ttm) is ranked higher than
74% of the 69 Companies
in the Global Credit Services industry.

( Industry Median: 10.00 vs. NICK: 5.72 )
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: 8.37 Max: 16.48
Current: 5.72
4.63
16.48
P/B 0.80
NICK's P/B is ranked higher than
62% of the 322 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: 1.13 Max: 2.57
Current: 0.8
0.25
2.57
P/S 1.01
NICK's P/S is ranked higher than
84% of the 324 Companies
in the Global Credit Services industry.

( Industry Median: 3.31 vs. NICK: 1.01 )
Ranked among companies with meaningful P/S only.
NICK' s P/S Range Over the Past 10 Years
Min: 0.4  Med: 2.00 Max: 4.17
Current: 1.01
0.4
4.17
PFCF 3.82
NICK's PFCF is ranked higher than
73% of the 82 Companies
in the Global Credit Services industry.

( Industry Median: 8.44 vs. NICK: 3.82 )
Ranked among companies with meaningful PFCF only.
NICK' s PFCF Range Over the Past 10 Years
Min: 1  Med: 6.77 Max: 13.17
Current: 3.82
1
13.17
POCF 3.65
NICK's POCF is ranked higher than
71% of the 105 Companies
in the Global Credit Services industry.

( Industry Median: 6.89 vs. NICK: 3.65 )
Ranked among companies with meaningful POCF only.
NICK' s POCF Range Over the Past 10 Years
Min: 0.98  Med: 6.66 Max: 12.56
Current: 3.65
0.98
12.56
EV-to-EBIT 9.68
NICK's EV-to-EBIT is ranked higher than
66% of the 264 Companies
in the Global Credit Services industry.

( Industry Median: 14.95 vs. NICK: 9.68 )
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: 9.68
6.1
13.9
EV-to-EBITDA 9.55
NICK's EV-to-EBITDA is ranked higher than
63% of the 269 Companies
in the Global Credit Services industry.

( Industry Median: 14.43 vs. NICK: 9.55 )
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: 9.55
6.1
13.6
PEG 1.70
NICK's PEG is ranked lower than
76% of the 83 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: 0.78 Max: 21.23
Current: 1.7
0.31
21.23
Shiller P/E 8.23
NICK's Shiller P/E is ranked higher than
74% of the 38 Companies
in the Global Credit Services industry.

( Industry Median: 12.65 vs. NICK: 8.23 )
Ranked among companies with meaningful Shiller P/E only.
NICK' s Shiller P/E Range Over the Past 10 Years
Min: 2.58  Med: 11.63 Max: 23.04
Current: 8.23
2.58
23.04
Current Ratio 1.43
NICK's Current Ratio is ranked lower than
66% of the 150 Companies
in the Global Credit Services industry.

( Industry Median: 2.31 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
65% of the 150 Companies
in the Global Credit Services industry.

( Industry Median: 2.18 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: 20.00 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: 1205.05 Max: 1338.29
Current: 1
0.03
1338.29

Valuation & Return

vs
industry
vs
history
Price/Net Current Asset Value 0.91
NICK's Price/Net Current Asset Value is ranked higher than
80% of the 113 Companies
in the Global Credit Services industry.

( Industry Median: 2.78 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: 1.20 Max: 1.57
Current: 0.91
0.35
1.57
Price/Tangible Book 0.81
NICK's Price/Tangible Book is ranked higher than
63% of the 319 Companies
in the Global Credit Services industry.

( Industry Median: 1.18 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: 1.16 Max: 2.53
Current: 0.81
0.29
2.53
Price/Projected FCF 0.20
NICK's Price/Projected FCF is ranked higher than
93% of the 75 Companies
in the Global Credit Services industry.

( Industry Median: 0.84 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: 1.61
Current: 0.2
0.12
1.61
Price/DCF (Earnings Based) 0.44
NICK's Price/DCF (Earnings Based) is ranked higher than
67% of the 12 Companies
in the Global Credit Services industry.

( Industry Median: 0.61 vs. NICK: 0.44 )
Ranked among companies with meaningful Price/DCF (Earnings Based) only.
N/A
Price/Median PS Value 0.51
NICK's Price/Median PS Value is ranked higher than
83% of the 304 Companies
in the Global Credit Services industry.

( Industry Median: 0.95 vs. NICK: 0.51 )
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: 2.02
Current: 0.51
0.23
2.02
Price/Graham Number 0.49
NICK's Price/Graham Number is ranked higher than
82% of the 184 Companies
in the Global Credit Services industry.

( Industry Median: 1.01 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: 1.31
Current: 0.49
0.26
1.31
Earnings Yield (Greenblatt) (%) 10.28
NICK's Earnings Yield (Greenblatt) (%) is ranked higher than
72% of the 334 Companies
in the Global Credit Services industry.

( Industry Median: 4.40 vs. NICK: 10.28 )
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: 10.28
7.2
16.3
Forward Rate of Return (Yacktman) (%) 18.35
NICK's Forward Rate of Return (Yacktman) (%) is ranked higher than
71% of the 85 Companies
in the Global Credit Services industry.

( Industry Median: 3.93 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: 11  Med: 21.60 Max: 76.2
Current: 18.35
11
76.2

More Statistics

Revenue (TTM) (Mil) $90.71
EPS (TTM) $ 1.59
Beta0.64
Short Percentage of Float0.21%
52-Week Range $9.92 - 14.08
Shares Outstanding (Mil)7.75
» 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 

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