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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 : 4/10

vs
industry
vs
history
Cash-to-Debt 0.02
NICK's Cash-to-Debt is ranked lower than
94% of the 289 Companies
in the Global Credit Services industry.

( Industry Median: 3.69 vs. NICK: 0.02 )
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: 0.05
Current: 0.02
0
0.05
Equity-to-Asset 0.33
NICK's Equity-to-Asset is ranked lower than
58% of the 269 Companies
in the Global Credit Services industry.

( Industry Median: 0.39 vs. NICK: 0.33 )
Ranked among companies with meaningful Equity-to-Asset only.
NICK' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.2  Med: 0.38 Max: 0.55
Current: 0.33
0.2
0.55
Interest Coverage 1.65
NICK's Interest Coverage is ranked lower than
70% of the 342 Companies
in the Global Credit Services industry.

( Industry Median: 5.48 vs. NICK: 1.65 )
Ranked among companies with meaningful Interest Coverage only.
NICK' s Interest Coverage Range Over the Past 10 Years
Min: 1.4  Med: 3.89 Max: 7.39
Current: 1.65
1.4
7.39
Piotroski F-Score: 6
Altman Z-Score: 1.72
Beneish M-Score: -1.41
WACC vs ROIC
4.65%
2.94%
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 % 16.38
NICK's Operating Margin % is ranked lower than
54% of the 284 Companies
in the Global Credit Services industry.

( Industry Median: 18.21 vs. NICK: 16.38 )
Ranked among companies with meaningful Operating Margin % only.
NICK' s Operating Margin % Range Over the Past 10 Years
Min: 14.22  Med: 32.88 Max: 44.9
Current: 16.38
14.22
44.9
Net Margin % 10.13
NICK's Net Margin % is ranked lower than
56% of the 284 Companies
in the Global Credit Services industry.

( Industry Median: 12.83 vs. NICK: 10.13 )
Ranked among companies with meaningful Net Margin % only.
NICK' s Net Margin % Range Over the Past 10 Years
Min: 8.88  Med: 19.82 Max: 27.6
Current: 10.13
8.88
27.6
ROE % 8.51
NICK's ROE % is ranked higher than
57% of the 286 Companies
in the Global Credit Services industry.

( Industry Median: 6.71 vs. NICK: 8.51 )
Ranked among companies with meaningful ROE % only.
NICK' s ROE % Range Over the Past 10 Years
Min: 5.77  Med: 13.79 Max: 18.09
Current: 8.51
5.77
18.09
ROA % 2.80
NICK's ROA % is ranked higher than
59% of the 297 Companies
in the Global Credit Services industry.

( Industry Median: 2.31 vs. NICK: 2.80 )
Ranked among companies with meaningful ROA % only.
NICK' s ROA % Range Over the Past 10 Years
Min: 2.43  Med: 5.93 Max: 8.89
Current: 2.8
2.43
8.89
ROC (Joel Greenblatt) % 7.69
NICK's ROC (Joel Greenblatt) % is ranked lower than
58% of the 238 Companies
in the Global Credit Services industry.

( Industry Median: 13.05 vs. NICK: 7.69 )
Ranked among companies with meaningful ROC (Joel Greenblatt) % only.
NICK' s ROC (Joel Greenblatt) % Range Over the Past 10 Years
Min: 7.69  Med: 14.61 Max: 2551.02
Current: 7.69
7.69
2551.02
3-Year Revenue Growth Rate 20.60
NICK's 3-Year Revenue Growth Rate is ranked higher than
82% of the 248 Companies
in the Global Credit Services industry.

( Industry Median: 4.60 vs. NICK: 20.60 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
NICK' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -7.2  Med: 11.6 Max: 55.9
Current: 20.6
-7.2
55.9
3-Year EBITDA Growth Rate 7.40
NICK's 3-Year EBITDA Growth Rate is ranked higher than
53% of the 217 Companies
in the Global Credit Services industry.

( Industry Median: 6.10 vs. NICK: 7.40 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
NICK' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -14.9  Med: 8.7 Max: 59
Current: 7.4
-14.9
59
3-Year EPS without NRI Growth Rate -0.80
NICK's 3-Year EPS without NRI Growth Rate is ranked lower than
54% of the 217 Companies
in the Global Credit Services industry.

( Industry Median: 1.70 vs. NICK: -0.80 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
NICK' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -23.6  Med: 16.9 Max: 77.7
Current: -0.8
-23.6
77.7
GuruFocus has detected 5 Warning Signs with Nicholas Financial Inc $NICK.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» NICK's 10-Y Financials

Financials


Revenue & Net Income
Cash & Debt
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q1 2016

NICK Guru Trades in Q1 2016

Jim Simons 501,369 sh (+1.61%)
» More
Q2 2016

NICK Guru Trades in Q2 2016

Jim Simons 506,129 sh (+0.95%)
» More
Q3 2016

NICK Guru Trades in Q3 2016

Jim Simons 515,229 sh (+1.80%)
» More
Q4 2016

NICK Guru Trades in Q4 2016

Jim Simons 541,229 sh (+5.05%)
» 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    NAICS: 522291    SIC: 7129
Compare:OTCPK:FAHLF, NAS:SNFCA, NAS:ASFI, NAS:MFIN, NAS:CPSS, NAS:LOAN, OTCPK:IEGH, NAS:ATLC, OTCPK:CHWWF, OTCPK:CCGN, OTCPK:MITJF, OTCPK:SRCF, NYSE:RM, OTCPK:EHMEF, NYSE:ONDK, NAS:NEWS, NAS:WRLD, NAS:EZPW, NYSE:AGM, NAS:FSC » 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.

Top Ranked Articles about Nicholas Financial Inc

Magnolia Capital Invests in Nicholas Financial Insider buys a total of 73,765 shares in February
Magnolia Capital, 10% owner of Nicholas Financial Inc. (NASDAQ:NICK), has purchased 73,765 shares of the company so far in February, according to filings with the SEC. Read more...
Magnolia Capital Invests in Nicholas Financial Insider bought 206,603 shares
Magnolia Capital, 10% owner of Nicholas Financial Inc. (NASDAQ:NICK), purchased 206,603 shares of the company in 12 separate transactions in January. Read more...

Ratios

vs
industry
vs
history
PE Ratio 9.74
NICK's PE Ratio is ranked higher than
72% of the 223 Companies
in the Global Credit Services industry.

( Industry Median: 14.78 vs. NICK: 9.74 )
Ranked among companies with meaningful PE Ratio only.
NICK' s PE Ratio Range Over the Past 10 Years
Min: 3.58  Med: 8.64 Max: 13.51
Current: 9.74
3.58
13.51
PE Ratio without NRI 9.74
NICK's PE Ratio without NRI is ranked higher than
73% of the 225 Companies
in the Global Credit Services industry.

( Industry Median: 15.20 vs. NICK: 9.74 )
Ranked among companies with meaningful PE Ratio without NRI only.
NICK' s PE Ratio without NRI Range Over the Past 10 Years
Min: 3.54  Med: 8.62 Max: 13.51
Current: 9.74
3.54
13.51
Price-to-Owner-Earnings 7.39
NICK's Price-to-Owner-Earnings is ranked higher than
76% of the 78 Companies
in the Global Credit Services industry.

( Industry Median: 12.81 vs. NICK: 7.39 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
NICK' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 5.03  Med: 8.56 Max: 20.29
Current: 7.39
5.03
20.29
PB Ratio 0.80
NICK's PB Ratio is ranked higher than
64% of the 274 Companies
in the Global Credit Services industry.

( Industry Median: 1.12 vs. NICK: 0.80 )
Ranked among companies with meaningful PB Ratio only.
NICK' s PB Ratio Range Over the Past 10 Years
Min: 0.25  Med: 1.08 Max: 2.31
Current: 0.8
0.25
2.31
PS Ratio 0.97
NICK's PS Ratio is ranked higher than
88% of the 273 Companies
in the Global Credit Services industry.

( Industry Median: 3.14 vs. NICK: 0.97 )
Ranked among companies with meaningful PS Ratio only.
NICK' s PS Ratio Range Over the Past 10 Years
Min: 0.4  Med: 1.88 Max: 3.34
Current: 0.97
0.4
3.34
Price-to-Free-Cash-Flow 2.94
NICK's Price-to-Free-Cash-Flow is ranked higher than
79% of the 67 Companies
in the Global Credit Services industry.

( Industry Median: 6.99 vs. NICK: 2.94 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
NICK' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 1  Med: 6.3 Max: 9.43
Current: 2.94
1
9.43
Price-to-Operating-Cash-Flow 2.86
NICK's Price-to-Operating-Cash-Flow is ranked higher than
83% of the 86 Companies
in the Global Credit Services industry.

( Industry Median: 7.95 vs. NICK: 2.86 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
NICK' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 0.98  Med: 6.17 Max: 9.15
Current: 2.86
0.98
9.15
EV-to-EBIT 12.51
NICK's EV-to-EBIT is ranked higher than
58% of the 197 Companies
in the Global Credit Services industry.

( Industry Median: 16.68 vs. NICK: 12.51 )
Ranked among companies with meaningful EV-to-EBIT only.
NICK' s EV-to-EBIT Range Over the Past 10 Years
Min: 6.1  Med: 8.9 Max: 13.9
Current: 12.51
6.1
13.9
EV-to-EBITDA 12.23
NICK's EV-to-EBITDA is ranked higher than
55% of the 200 Companies
in the Global Credit Services industry.

( Industry Median: 13.97 vs. NICK: 12.23 )
Ranked among companies with meaningful EV-to-EBITDA only.
NICK' s EV-to-EBITDA Range Over the Past 10 Years
Min: 6.1  Med: 8.8 Max: 13.6
Current: 12.23
6.1
13.6
PEG Ratio 4.71
NICK's PEG Ratio is ranked lower than
88% of the 96 Companies
in the Global Credit Services industry.

( Industry Median: 0.70 vs. NICK: 4.71 )
Ranked among companies with meaningful PEG Ratio only.
NICK' s PEG Ratio Range Over the Past 10 Years
Min: 0.31  Med: 0.76 Max: 242.67
Current: 4.71
0.31
242.67
Shiller PE Ratio 8.52
NICK's Shiller PE Ratio is ranked higher than
85% of the 41 Companies
in the Global Credit Services industry.

( Industry Median: 14.81 vs. NICK: 8.52 )
Ranked among companies with meaningful Shiller PE Ratio only.
NICK' s Shiller PE Ratio Range Over the Past 10 Years
Min: 2.58  Med: 10.85 Max: 18.11
Current: 8.52
2.58
18.11
Current Ratio 1.47
NICK's Current Ratio is ranked lower than
63% of the 142 Companies
in the Global Credit Services industry.

( Industry Median: 2.17 vs. NICK: 1.47 )
Ranked among companies with meaningful Current Ratio only.
NICK' s Current Ratio Range Over the Past 10 Years
Min: 1.41  Med: 1.82 Max: 2.13
Current: 1.47
1.41
2.13
Quick Ratio 1.47
NICK's Quick Ratio is ranked lower than
62% of the 142 Companies
in the Global Credit Services industry.

( Industry Median: 2.17 vs. NICK: 1.47 )
Ranked among companies with meaningful Quick Ratio only.
NICK' s Quick Ratio Range Over the Past 10 Years
Min: 1.41  Med: 1.82 Max: 2.13
Current: 1.47
1.41
2.13
Days Sales Outstanding 1.00
NICK's Days Sales Outstanding is ranked higher than
92% of the 146 Companies
in the Global Credit Services industry.

( Industry Median: 13.24 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

Buy Back

vs
industry
vs
history
3-Year Dividend Growth Rate -100.00
NICK's 3-Year Dividend Growth Rate is ranked lower than
90% of the 92 Companies
in the Global Credit Services industry.

( Industry Median: 7.70 vs. NICK: -100.00 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
NICK' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 0  Med: 0 Max: -100
Current: -100
5-Year Yield-on-Cost % 1.09
NICK's 5-Year Yield-on-Cost % is ranked lower than
80% of the 316 Companies
in the Global Credit Services industry.

( Industry Median: 3.05 vs. NICK: 1.09 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
NICK' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.24  Med: 2.28 Max: 3.7
Current: 1.09
0.24
3.7
3-Year Average Share Buyback Ratio 13.90
NICK's 3-Year Average Share Buyback Ratio is ranked higher than
98% of the 125 Companies
in the Global Credit Services industry.

( Industry Median: -3.50 vs. NICK: 13.90 )
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: -9.7  Med: -1.6 Max: 13.9
Current: 13.9
-9.7
13.9

Valuation & Return

vs
industry
vs
history
Price-to-Net-Current-Asset-Value 0.87
NICK's Price-to-Net-Current-Asset-Value is ranked higher than
79% of the 86 Companies
in the Global Credit Services industry.

( Industry Median: 2.32 vs. NICK: 0.87 )
Ranked among companies with meaningful Price-to-Net-Current-Asset-Value only.
NICK' s Price-to-Net-Current-Asset-Value Range Over the Past 10 Years
Min: 0.35  Med: 1.15 Max: 1.57
Current: 0.87
0.35
1.57
Price-to-Tangible-Book 0.80
NICK's Price-to-Tangible-Book is ranked higher than
65% of the 265 Companies
in the Global Credit Services industry.

( Industry Median: 1.20 vs. NICK: 0.80 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
NICK' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.29  Med: 1.15 Max: 2.53
Current: 0.8
0.29
2.53
Price-to-Intrinsic-Value-Projected-FCF 0.19
NICK's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
91% of the 67 Companies
in the Global Credit Services industry.

( Industry Median: 0.83 vs. NICK: 0.19 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
NICK' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.12  Med: 0.43 Max: 0.96
Current: 0.19
0.12
0.96
Price-to-Intrinsic-Value-DCF (Earnings Based) 0.74
NICK's Price-to-Intrinsic-Value-DCF (Earnings Based) is ranked higher than
59% of the 17 Companies
in the Global Credit Services industry.

( Industry Median: 0.80 vs. NICK: 0.74 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-DCF (Earnings Based) only.
N/A
Price-to-Median-PS-Value 0.51
NICK's Price-to-Median-PS-Value is ranked higher than
85% of the 246 Companies
in the Global Credit Services industry.

( Industry Median: 1.03 vs. NICK: 0.51 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
NICK' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.25  Med: 0.82 Max: 1.95
Current: 0.51
0.25
1.95
Price-to-Graham-Number 0.59
NICK's Price-to-Graham-Number is ranked higher than
76% of the 144 Companies
in the Global Credit Services industry.

( Industry Median: 0.93 vs. NICK: 0.59 )
Ranked among companies with meaningful Price-to-Graham-Number only.
NICK' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.26  Med: 0.61 Max: 1.31
Current: 0.59
0.26
1.31
Earnings Yield (Greenblatt) % 8.03
NICK's Earnings Yield (Greenblatt) % is ranked higher than
68% of the 260 Companies
in the Global Credit Services industry.

( Industry Median: 4.20 vs. NICK: 8.03 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
NICK' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 7.2  Med: 11.2 Max: 16.3
Current: 8.03
7.2
16.3
Forward Rate of Return (Yacktman) % 21.75
NICK's Forward Rate of Return (Yacktman) % is ranked higher than
70% of the 116 Companies
in the Global Credit Services industry.

( Industry Median: 7.91 vs. NICK: 21.75 )
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: 12.6  Med: 22.6 Max: 76.4
Current: 21.75
12.6
76.4

More Statistics

Revenue (TTM) (Mil) $90.84
EPS (TTM) $ 1.16
Beta0.88
Short Percentage of Float0.39%
52-Week Range $8.56 - 12.50
Shares Outstanding (Mil)7.78
» More Articles for NICK

Headlines

Articles On GuruFocus.com
7 Undervalued Stocks With Growing EPS Feb 23 2017 
Magnolia Capital Invests in Nicholas Financial Feb 23 2017 
Nicholas Financial Insider Invests in Company Jan 30 2017 
6 Bargain Stocks With Strong Returns Sep 07 2016 
Notes on Credit Acceptance Corp Jul 25 2016 
Wide Margins of Safety for These Stocks May 31 2016 
Growing EPS With Wide Margins of Safety May 26 2016 
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 

More From Other Websites
7 Undervalued Stocks With Growing EPS Feb 23 2017
Magnolia Capital Invests in Nicholas Financial Feb 23 2017
NICHOLAS FINANCIAL INC Financials Feb 15 2017
NICHOLAS FINANCIAL INC Files SEC form 10-Q, Quarterly Report Feb 09 2017
Nicholas Financial posts 3Q profit Feb 02 2017
Nicholas Financial posts 3Q profit Feb 02 2017
Nicholas Financial Reports 3rd Quarter Results Feb 02 2017
NICHOLAS FINANCIAL INC Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Feb 02 2017
Magnolia Capital Invests in Nicholas Financial Jan 30 2017
NICHOLAS FINANCIAL INC Files SEC form 8-K, Entry into a Material Definitive Agreement, Financial... Jan 11 2017
NICHOLAS FINANCIAL INC Files SEC form 10-Q, Quarterly Report Nov 09 2016
ETF’s with exposure to Nicholas Financial, Inc. : November 4, 2016 Nov 04 2016
Nicholas Financial, Inc. :NICK-US: Earnings Analysis: Q2, 2017 By the Numbers : November 3, 2016 Nov 03 2016
Nicholas Financial Reports 2nd Quarter Results Nov 02 2016
NICHOLAS FINANCIAL INC Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Nov 02 2016
ETF’s with exposure to Nicholas Financial, Inc. : October 3, 2016 Oct 03 2016
NICHOLAS FINANCIAL INC Files SEC form 8-K, Submission of Matters to a Vote of Security Holders Sep 13 2016
ETF’s with exposure to Nicholas Financial, Inc. : September 8, 2016 Sep 08 2016
Nicholas Financial, Inc. :NICK-US: Earnings Analysis: Q1, 2017 By the Numbers : August 11, 2016 Aug 11 2016
NICHOLAS FINANCIAL INC Files SEC form 10-Q, Quarterly Report Aug 09 2016

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