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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 0.02
NICK's Cash to Debt is ranked lower than
59% of the 347 Companies
in the Global Credit Services industry.

( Industry Median: 0.70 vs. NICK: 0.02 )
NICK' s 10-Year Cash to Debt Range
Min: 0   Max: 0.05
Current: 0.02

0
0.05
Equity to Asset 0.53
NICK's Equity to Asset is ranked higher than
82% of the 278 Companies
in the Global Credit Services industry.

( Industry Median: 0.32 vs. NICK: 0.53 )
NICK' s 10-Year Equity to Asset Range
Min: 0.2   Max: 0.55
Current: 0.53

0.2
0.55
Interest Coverage 5.02
NICK's Interest Coverage is ranked higher than
58% of the 235 Companies
in the Global Credit Services industry.

( Industry Median: 9.60 vs. NICK: 5.02 )
NICK' s 10-Year Interest Coverage Range
Min: 1.4   Max: 7.39
Current: 5.02

1.4
7.39
F-Score: 5
Z-Score: 2.53
M-Score: -1.23
WACC vs ROIC
4.32%
6.06%
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 (%) 30.07
NICK's Operating margin (%) is ranked higher than
64% of the 238 Companies
in the Global Credit Services industry.

( Industry Median: 20.61 vs. NICK: 30.07 )
NICK' s 10-Year Operating margin (%) Range
Min: 14.22   Max: 52.22
Current: 30.07

14.22
52.22
Net-margin (%) 19.42
NICK's Net-margin (%) is ranked higher than
57% of the 239 Companies
in the Global Credit Services industry.

( Industry Median: 16.20 vs. NICK: 19.42 )
NICK' s 10-Year Net-margin (%) Range
Min: 8.88   Max: 27.6
Current: 19.42

8.88
27.6
ROE (%) 12.29
NICK's ROE (%) is ranked higher than
61% of the 234 Companies
in the Global Credit Services industry.

( Industry Median: 8.54 vs. NICK: 12.29 )
NICK' s 10-Year ROE (%) Range
Min: 5.77   Max: 26.7
Current: 12.29

5.77
26.7
ROA (%) 5.74
NICK's ROA (%) is ranked higher than
75% of the 246 Companies
in the Global Credit Services industry.

( Industry Median: 2.80 vs. NICK: 5.74 )
NICK' s 10-Year ROA (%) Range
Min: 2.43   Max: 8.89
Current: 5.74

2.43
8.89
ROC (Joel Greenblatt) (%) 9.50
NICK's ROC (Joel Greenblatt) (%) is ranked lower than
58% of the 238 Companies
in the Global Credit Services industry.

( Industry Median: 13.77 vs. NICK: 9.50 )
NICK' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 5.38   Max: 2377.42
Current: 9.5

5.38
2377.42
Revenue Growth (3Y)(%) 8.30
NICK's Revenue Growth (3Y)(%) is ranked higher than
58% of the 181 Companies
in the Global Credit Services industry.

( Industry Median: 3.80 vs. NICK: 8.30 )
NICK' s 10-Year Revenue Growth (3Y)(%) Range
Min: -7.1   Max: 55.1
Current: 8.3

-7.1
55.1
EBITDA Growth (3Y)(%) 0.10
NICK's EBITDA Growth (3Y)(%) is ranked higher than
55% of the 145 Companies
in the Global Credit Services industry.

( Industry Median: -5.10 vs. NICK: 0.10 )
NICK' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -15   Max: 58.1
Current: 0.1

-15
58.1
EPS Growth (3Y)(%) -1.20
NICK's EPS Growth (3Y)(%) is ranked higher than
65% of the 240 Companies
in the Global Credit Services industry.

( Industry Median: 8.50 vs. NICK: -1.20 )
NICK' s 10-Year EPS Growth (3Y)(%) Range
Min: -23.6   Max: 75
Current: -1.2

-23.6
75
» NICK's 10-Y Financials

Financials


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

» Details

Guru Trades

Q2 2014

NICK Guru Trades in Q2 2014

Jim Simons 324,760 sh (+10.45%)
» More
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
» 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) 10.30
NICK's P/E(ttm) is ranked higher than
87% of the 440 Companies
in the Global Credit Services industry.

( Industry Median: 25.80 vs. NICK: 10.30 )
NICK' s 10-Year P/E(ttm) Range
Min: 3.56   Max: 15.41
Current: 10.3

3.56
15.41
PE(NRI) 10.50
NICK's PE(NRI) is ranked higher than
88% of the 440 Companies
in the Global Credit Services industry.

( Industry Median: 26.00 vs. NICK: 10.50 )
NICK' s 10-Year PE(NRI) Range
Min: 3.54   Max: 15.56
Current: 10.5

3.54
15.56
P/B 1.70
NICK's P/B is ranked higher than
66% of the 440 Companies
in the Global Credit Services industry.

( Industry Median: 2.00 vs. NICK: 1.70 )
NICK' s 10-Year P/B Range
Min: 0.25   Max: 2.59
Current: 1.7

0.25
2.59
P/S 1.90
NICK's P/S is ranked higher than
78% of the 440 Companies
in the Global Credit Services industry.

( Industry Median: 4.12 vs. NICK: 1.90 )
NICK' s 10-Year P/S Range
Min: 0.4   Max: 3.81
Current: 1.9

0.4
3.81
PFCF 7.20
NICK's PFCF is ranked higher than
92% of the 440 Companies
in the Global Credit Services industry.

( Industry Median: 0.00 vs. NICK: 7.20 )
NICK' s 10-Year PFCF Range
Min: 1   Max: 11.81
Current: 7.2

1
11.81
POCF 7.29
NICK's POCF is ranked higher than
88% of the 440 Companies
in the Global Credit Services industry.

( Industry Median: 0.00 vs. NICK: 7.29 )
NICK' s 10-Year POCF Range
Min: 0.99   Max: 11.35
Current: 7.29

0.99
11.35
EV-to-EBIT 11.61
NICK's EV-to-EBIT is ranked higher than
91% of the 440 Companies
in the Global Credit Services industry.

( Industry Median: 34.13 vs. NICK: 11.61 )
NICK' s 10-Year EV-to-EBIT Range
Min: 7   Max: 21.4
Current: 11.61

7
21.4
PEG 0.56
NICK's PEG is ranked higher than
95% of the 440 Companies
in the Global Credit Services industry.

( Industry Median: 0.00 vs. NICK: 0.56 )
NICK' s 10-Year PEG Range
Min: 0.28   Max: 15.15
Current: 0.56

0.28
15.15
Shiller P/E 9.10
NICK's Shiller P/E is ranked higher than
95% of the 440 Companies
in the Global Credit Services industry.

( Industry Median: 0.00 vs. NICK: 9.10 )
NICK' s 10-Year Shiller P/E Range
Min: 2.33   Max: 19.4
Current: 9.1

2.33
19.4
Current Ratio 2.09
NICK's Current Ratio is ranked higher than
71% of the 201 Companies
in the Global Credit Services industry.

( Industry Median: 1.86 vs. NICK: 2.09 )
NICK' s 10-Year Current Ratio Range
Min: 1.72   Max: 2.13
Current: 2.09

1.72
2.13
Quick Ratio 2.09
NICK's Quick Ratio is ranked higher than
73% of the 201 Companies
in the Global Credit Services industry.

( Industry Median: 1.81 vs. NICK: 2.09 )
NICK' s 10-Year Quick Ratio Range
Min: 1.72   Max: 2.13
Current: 2.09

1.72
2.13
Days Sales Outstanding 1.00
NICK's Days Sales Outstanding is ranked higher than
93% of the 440 Companies
in the Global Credit Services industry.

( Industry Median: 344.00 vs. NICK: 1.00 )
NICK' s 10-Year Days Sales Outstanding Range
Min: 0.03   Max: 1391.82
Current: 1

0.03
1391.82

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.90
NICK's Dividend Yield is ranked lower than
75% of the 233 Companies
in the Global Credit Services industry.

( Industry Median: 2.02 vs. NICK: 0.90 )
NICK' s 10-Year Dividend Yield Range
Min: 0.24   Max: 3.7
Current: 0.9

0.24
3.7
Yield on cost (5-Year) 0.90
NICK's Yield on cost (5-Year) is ranked lower than
81% of the 236 Companies
in the Global Credit Services industry.

( Industry Median: 2.77 vs. NICK: 0.90 )
NICK' s 10-Year Yield on cost (5-Year) Range
Min: 0.24   Max: 3.7
Current: 0.9

0.24
3.7
Share Buyback Rate -1.20
NICK's Share Buyback Rate is ranked higher than
75% of the 204 Companies
in the Global Credit Services industry.

( Industry Median: -1.70 vs. NICK: -1.20 )
NICK' s 10-Year Share Buyback Rate Range
Min: 15.5   Max: -25.8
Current: -1.2

Valuation & Return

vs
industry
vs
history
Price/Net Current Asset Value 2.20
NICK's Price/Net Current Asset Value is ranked higher than
99% of the 440 Companies
in the Global Credit Services industry.

( Industry Median: 0.00 vs. NICK: 2.20 )
NICK' s 10-Year Price/Net Current Asset Value Range
Min: 0.35   Max: 1.57
Current: 2.2

0.35
1.57
Price/Tangible Book 1.70
NICK's Price/Tangible Book is ranked higher than
66% of the 440 Companies
in the Global Credit Services industry.

( Industry Median: 2.60 vs. NICK: 1.70 )
NICK' s 10-Year Price/Tangible Book Range
Min: 0.29   Max: 2.52
Current: 1.7

0.29
2.52
Price/DCF (Projected) 0.50
NICK's Price/DCF (Projected) is ranked higher than
93% of the 440 Companies
in the Global Credit Services industry.

( Industry Median: 0.00 vs. NICK: 0.50 )
NICK' s 10-Year Price/DCF (Projected) Range
Min: 0.12   Max: 0.94
Current: 0.5

0.12
0.94
Price/Median PS Value 0.90
NICK's Price/Median PS Value is ranked higher than
80% of the 440 Companies
in the Global Credit Services industry.

( Industry Median: 1.30 vs. NICK: 0.90 )
NICK' s 10-Year Price/Median PS Value Range
Min: 0.21   Max: 1.69
Current: 0.9

0.21
1.69
Price/Graham Number 0.70
NICK's Price/Graham Number is ranked higher than
89% of the 440 Companies
in the Global Credit Services industry.

( Industry Median: 5.00 vs. NICK: 0.70 )
NICK' s 10-Year Price/Graham Number Range
Min: 0.26   Max: 1.28
Current: 0.7

0.26
1.28
Earnings Yield (Greenblatt) 8.80
NICK's Earnings Yield (Greenblatt) is ranked higher than
82% of the 233 Companies
in the Global Credit Services industry.

( Industry Median: 4.10 vs. NICK: 8.80 )
NICK' s 10-Year Earnings Yield (Greenblatt) Range
Min: 4.7   Max: 14.3
Current: 8.8

4.7
14.3
Forward Rate of Return (Yacktman) 16.79
NICK's Forward Rate of Return (Yacktman) is ranked higher than
86% of the 156 Companies
in the Global Credit Services industry.

( Industry Median: 8.75 vs. NICK: 16.79 )
NICK' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 12.3   Max: 75.7
Current: 16.79

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 engages 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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