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Also traded in: Germany

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 : 7/10

vs
industry
vs
history
Cash to Debt 1.97
QCCO's Cash to Debt is ranked lower than
54% of the 1178 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.07 vs. QCCO: 1.97 )
Ranked among companies with meaningful Cash to Debt only.
QCCO' s Cash to Debt Range Over the Past 10 Years
Min: 0.24  Med: 0.61 Max: No Debt
Current: 1.97
Equity to Asset 0.75
QCCO's Equity to Asset is ranked higher than
97% of the 1648 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. QCCO: 0.75 )
Ranked among companies with meaningful Equity to Asset only.
QCCO' s Equity to Asset Range Over the Past 10 Years
Min: 0.14  Med: 0.62 Max: 0.91
Current: 0.75
0.14
0.91
Interest Coverage 3.34
QCCO's Interest Coverage is ranked higher than
70% of the 1534 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.67 vs. QCCO: 3.34 )
Ranked among companies with meaningful Interest Coverage only.
QCCO' s Interest Coverage Range Over the Past 10 Years
Min: 5.77  Med: 9.90 Max: 114.24
Current: 3.34
5.77
114.24
F-Score: 8
Z-Score: 3.34
M-Score: -2.85
WACC vs ROIC
7.29%
2.31%
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 : 6/10

vs
industry
vs
history
Operating margin (%) 2.20
QCCO's Operating margin (%) is ranked lower than
92% of the 1663 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.83 vs. QCCO: 2.20 )
Ranked among companies with meaningful Operating margin (%) only.
QCCO' s Operating margin (%) Range Over the Past 10 Years
Min: 6.85  Med: 12.24 Max: 21.02
Current: 2.2
6.85
21.02
Net-margin (%) 0.07
QCCO's Net-margin (%) is ranked lower than
93% of the 1664 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.36 vs. QCCO: 0.07 )
Ranked among companies with meaningful Net-margin (%) only.
QCCO' s Net-margin (%) Range Over the Past 10 Years
Min: -9.21  Med: 5.39 Max: 8.99
Current: 0.07
-9.21
8.99
ROE (%) 0.13
QCCO's ROE (%) is ranked lower than
92% of the 1659 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.33 vs. QCCO: 0.13 )
Ranked among companies with meaningful ROE (%) only.
QCCO' s ROE (%) Range Over the Past 10 Years
Min: -18.88  Med: 11.02 Max: 34.49
Current: 0.13
-18.88
34.49
ROA (%) 0.10
QCCO's ROA (%) is ranked lower than
91% of the 1670 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.88 vs. QCCO: 0.10 )
Ranked among companies with meaningful ROA (%) only.
QCCO' s ROA (%) Range Over the Past 10 Years
Min: -11.67  Med: 6.89 Max: 13.62
Current: 0.1
-11.67
13.62
ROC (Joel Greenblatt) (%) 3.26
QCCO's ROC (Joel Greenblatt) (%) is ranked lower than
70% of the 105 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 19.87 vs. QCCO: 3.26 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
QCCO' s ROC (Joel Greenblatt) (%) Range Over the Past 10 Years
Min: -14.72  Med: 28.78 Max: 46.37
Current: 3.26
-14.72
46.37
Revenue Growth (3Y)(%) -7.30
QCCO's Revenue Growth (3Y)(%) is ranked lower than
84% of the 1371 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.50 vs. QCCO: -7.30 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
QCCO' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -7.3  Med: 11.70 Max: 36.7
Current: -7.3
-7.3
36.7
EBITDA Growth (3Y)(%) -19.40
QCCO's EBITDA Growth (3Y)(%) is ranked lower than
91% of the 1271 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.00 vs. QCCO: -19.40 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
QCCO' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -21.4  Med: -1.35 Max: 40.3
Current: -19.4
-21.4
40.3
EPS Growth (3Y)(%) -21.50
QCCO's EPS Growth (3Y)(%) is ranked lower than
91% of the 1250 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.50 vs. QCCO: -21.50 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
QCCO' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -27.8  Med: -10.00 Max: 53.7
Current: -21.5
-27.8
53.7
» QCCO's 10-Y Financials

Financials (Next Earnings Date: Est. 2016-08-06)


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

» Details

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Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:NAS:WAYN, OTCPK:EKFC, ASX:HOM, BSP:MERC4, OTCPK:RYFL, NAS:EQFN » details
Traded in other countries:QS8.Germany,
QC Holdings Inc and its subsidiaries provide financial services like payday loans and installment loans. The Company also provides services such as overdraft protection, credit cards, credit union loans and savings accounts.

QC Holdings Inc is a Kansas corporation incorporated in 1998. The Company and its subsidiaries provide various financial services including payday loans and installment loans. The Company has three reportable segments; Branch Lending, Centralized Lending and E-Lending. The Branch Lending segment includes its retail branches that offer payday loans, installment loans, credit, services, check cashing services, title loans, open-end credit, debit cards, money transfers and money orders. The Centralized Lending segment includes long-term installment loans, signature loans and auto equity loans that are centrally underwritten. The E-Lending segment includes the Internet lending operations in the United States and Canada. Its customers typically include middle-income, middle-educated individuals who are a part of a young family. The Company is subject to regulation by federal, state, local and foreign governments.

Ratios

vs
industry
vs
history
P/B 0.28
QCCO's P/B is ranked higher than
95% of the 1655 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.04 vs. QCCO: 0.28 )
Ranked among companies with meaningful P/B only.
QCCO' s P/B Range Over the Past 10 Years
Min: 0.1  Med: 0.96 Max: 5.12
Current: 0.28
0.1
5.12
P/S 0.14
QCCO's P/S is ranked higher than
99% of the 1647 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.94 vs. QCCO: 0.14 )
Ranked among companies with meaningful P/S only.
QCCO' s P/S Range Over the Past 10 Years
Min: 0.05  Med: 0.39 Max: 2.51
Current: 0.14
0.05
2.51
PFCF 2.31
QCCO's PFCF is ranked higher than
83% of the 892 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.24 vs. QCCO: 2.31 )
Ranked among companies with meaningful PFCF only.
QCCO' s PFCF Range Over the Past 10 Years
Min: 0.85  Med: 4.95 Max: 7560
Current: 2.31
0.85
7560
POCF 1.99
QCCO's POCF is ranked higher than
83% of the 992 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.94 vs. QCCO: 1.99 )
Ranked among companies with meaningful POCF only.
QCCO' s POCF Range Over the Past 10 Years
Min: 0.73  Med: 4.51 Max: 34.26
Current: 1.99
0.73
34.26
EV-to-EBIT 7.31
QCCO's EV-to-EBIT is ranked higher than
79% of the 1513 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.20 vs. QCCO: 7.31 )
Ranked among companies with meaningful EV-to-EBIT only.
QCCO' s EV-to-EBIT Range Over the Past 10 Years
Min: -6  Med: 4.30 Max: 23.9
Current: 7.31
-6
23.9
EV-to-EBITDA 3.09
QCCO's EV-to-EBITDA is ranked higher than
94% of the 1514 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.89 vs. QCCO: 3.09 )
Ranked among companies with meaningful EV-to-EBITDA only.
QCCO' s EV-to-EBITDA Range Over the Past 10 Years
Min: -9.9  Med: 3.40 Max: 16.4
Current: 3.09
-9.9
16.4
Shiller P/E 2.34
QCCO's Shiller P/E is ranked higher than
98% of the 503 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 17.33 vs. QCCO: 2.34 )
Ranked among companies with meaningful Shiller P/E only.
QCCO' s Shiller P/E Range Over the Past 10 Years
Min: 0.85  Med: 3.69 Max: 5.17
Current: 2.34
0.85
5.17
Current Ratio 4.00
QCCO's Current Ratio is ranked higher than
63% of the 70 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.34 vs. QCCO: 4.00 )
Ranked among companies with meaningful Current Ratio only.
QCCO' s Current Ratio Range Over the Past 10 Years
Min: 1.78  Med: 2.62 Max: 10.79
Current: 4
1.78
10.79
Quick Ratio 4.00
QCCO's Quick Ratio is ranked higher than
63% of the 70 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.85 vs. QCCO: 4.00 )
Ranked among companies with meaningful Quick Ratio only.
QCCO' s Quick Ratio Range Over the Past 10 Years
Min: 1.73  Med: 2.62 Max: 10.79
Current: 4
1.73
10.79
Days Sales Outstanding 129.67
QCCO's Days Sales Outstanding is ranked lower than
79% of the 57 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 32.78 vs. QCCO: 129.67 )
Ranked among companies with meaningful Days Sales Outstanding only.
QCCO' s Days Sales Outstanding Range Over the Past 10 Years
Min: 118.13  Med: 125.42 Max: 139.87
Current: 129.67
118.13
139.87
Days Payable 2.48
QCCO's Days Payable is ranked lower than
96% of the 25 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 114.28 vs. QCCO: 2.48 )
Ranked among companies with meaningful Days Payable only.
QCCO' s Days Payable Range Over the Past 10 Years
Min: 0.42  Med: 2.05 Max: 5.92
Current: 2.48
0.42
5.92

Valuation & Return

vs
industry
vs
history
Price/Net Current Asset Value 0.40
QCCO's Price/Net Current Asset Value is ranked higher than
86% of the 44 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.57 vs. QCCO: 0.40 )
Ranked among companies with meaningful Price/Net Current Asset Value only.
QCCO' s Price/Net Current Asset Value Range Over the Past 10 Years
Min: 0.6  Med: 3.36 Max: 113.13
Current: 0.4
0.6
113.13
Price/Tangible Book 0.28
QCCO's Price/Tangible Book is ranked higher than
95% of the 1645 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.11 vs. QCCO: 0.28 )
Ranked among companies with meaningful Price/Tangible Book only.
QCCO' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.41  Med: 1.71 Max: 5.85
Current: 0.28
0.41
5.85
Price/Projected FCF 0.10
QCCO's Price/Projected FCF is ranked higher than
97% of the 892 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.66 vs. QCCO: 0.10 )
Ranked among companies with meaningful Price/Projected FCF only.
QCCO' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.14  Med: 0.27 Max: 1.35
Current: 0.1
0.14
1.35
Price/Median PS Value 0.35
QCCO's Price/Median PS Value is ranked higher than
98% of the 1568 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.01 vs. QCCO: 0.35 )
Ranked among companies with meaningful Price/Median PS Value only.
QCCO' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.48  Med: 1.04 Max: 6.32
Current: 0.35
0.48
6.32
Earnings Yield (Greenblatt) (%) 13.70
QCCO's Earnings Yield (Greenblatt) (%) is ranked higher than
81% of the 1660 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.00 vs. QCCO: 13.70 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
QCCO' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 4.2  Med: 22.10 Max: 273.8
Current: 13.7
4.2
273.8
Forward Rate of Return (Yacktman) (%) 70.63
QCCO's Forward Rate of Return (Yacktman) (%) is ranked higher than
95% of the 857 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.58 vs. QCCO: 70.63 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
QCCO' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: 6.2  Med: 29.20 Max: 58.4
Current: 70.63
6.2
58.4

More Statistics

Revenue (TTM) (Mil) $140.2
EPS (TTM) $ -0.01
Beta1.04
Short Percentage of Float0.35%
52-Week Range $0.30 - 2.43
Shares Outstanding (Mil)17.33
» More Articles for QCCO

Headlines

Articles On GuruFocus.com
Guru Action on Payday Loan Stocks Nov 04 2013 
15 Most Impressive Dividend Growth Stocks Jan 27 2012 
QC Holdings Inc. Reports Operating Results (10-K) Mar 15 2011 
QC Holdings Inc. Reports Operating Results (10-Q) Nov 08 2010 
QC Holdings Inc. Reports Operating Results (10-Q) Aug 05 2010 
QC Holdings Inc. (QCCO) Chairman of the Board & CEO, 10% Owner Don Allen Early sells 24,647 Shares Sep 23 2009 
QC Holdings Inc. (QCCO) Chairman of the Board & CEO, 10% Owner Don Allen Early sells 39,515 Shares Sep 18 2009 

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