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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 : 8/10

vs
industry
vs
history
Cash to Debt 1.72
QCCO's Cash to Debt is ranked higher than
75% of the 1259 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.42 vs. QCCO: 1.72 )
QCCO' s 10-Year Cash to Debt Range
Min: 0.24   Max: No Debt
Current: 1.72

Equity to Asset 0.72
QCCO's Equity to Asset is ranked higher than
99% of the 1649 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.09 vs. QCCO: 0.72 )
QCCO' s 10-Year Equity to Asset Range
Min: 0.14   Max: 0.91
Current: 0.72

0.14
0.91
Interest Coverage 9.43
QCCO's Interest Coverage is ranked higher than
97% of the 1447 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.20 vs. QCCO: 9.43 )
QCCO' s 10-Year Interest Coverage Range
Min: 6.69   Max: 9999.99
Current: 9.43

6.69
9999.99
F-Score: 4
Z-Score: 3.22
M-Score: -2.31
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 : 5/10

vs
industry
vs
history
Operating margin (%) 8.67
QCCO's Operating margin (%) is ranked higher than
52% of the 1594 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 29.40 vs. QCCO: 8.67 )
QCCO' s 10-Year Operating margin (%) Range
Min: 8.67   Max: 34.87
Current: 8.67

8.67
34.87
Net-margin (%) -9.21
QCCO's Net-margin (%) is ranked lower than
52% of the 1613 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.45 vs. QCCO: -9.21 )
QCCO' s 10-Year Net-margin (%) Range
Min: -9.21   Max: 15.63
Current: -9.21

-9.21
15.63
ROE (%) -21.23
QCCO's ROE (%) is ranked lower than
54% of the 1615 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.13 vs. QCCO: -21.23 )
QCCO' s 10-Year ROE (%) Range
Min: -21.23   Max: 149.19
Current: -21.23

-21.23
149.19
ROA (%) -12.94
QCCO's ROA (%) is ranked lower than
55% of the 1616 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.75 vs. QCCO: -12.94 )
QCCO' s 10-Year ROA (%) Range
Min: -12.94   Max: 21.44
Current: -12.94

-12.94
21.44
ROC (Joel Greenblatt) (%) 20.84
QCCO's ROC (Joel Greenblatt) (%) is ranked higher than
56% of the 1569 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 73.85 vs. QCCO: 20.84 )
QCCO' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 20.43   Max: 42.2
Current: 20.84

20.43
42.2
Revenue Growth (%) -4.60
QCCO's Revenue Growth (%) is ranked higher than
61% of the 1443 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.00 vs. QCCO: -4.60 )
QCCO' s 10-Year Revenue Growth (%) Range
Min: -9.8   Max: 34.3
Current: -4.6

-9.8
34.3
» QCCO's 10-Y Financials

Financials


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

» Details

Guru Trades

Q2 2013

QCCO Guru Trades in Q2 2013

Jim Simons 60,200 sh (-3.68%)
» More
Q3 2013

QCCO Guru Trades in Q3 2013

Jim Simons 64,200 sh (+6.64%)
» More
Q4 2013

QCCO Guru Trades in Q4 2013

Jim Simons 66,100 sh (+2.96%)
» More
Q1 2014

QCCO Guru Trades in Q1 2014

Jim Simons 60,701 sh (-8.17%)
» More
» Details

Insider Trades

Latest Guru Trades with QCCO



No Insider Trades Found!
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Top Ranked Articles about QC Holdings Inc

Guru Action on Payday Loan Stocks
Guru investors have always seen the potential in serving a broad band of under-banked consumers with creative financial services and unsecured short-term loans. Here’s a close-up on two payday loan makers, both down around 30% over 12 months. DFC Global Corp. (DLLR) provides alternative financial services, and makes unsecured consumer loans over its Internet platforms, with recent quarterly revenue of more than $59.8 million for that segment of its business. QC Holdings Inc. (QCCO), the payday loan company with the highest earnings yield in the consumer finance industry, according to SmarTrend, is on a 52-week low. Read more...

Ratios

vs
industry
vs
history
P/B 0.60
QCCO's P/B is ranked higher than
92% of the 1833 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.15 vs. QCCO: 0.60 )
QCCO' s 10-Year P/B Range
Min: 0.39   Max: 5.18
Current: 0.6

0.39
5.18
P/S 0.29
QCCO's P/S is ranked higher than
99% of the 1833 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.10 vs. QCCO: 0.29 )
QCCO' s 10-Year P/S Range
Min: 0.18   Max: 2.66
Current: 0.29

0.18
2.66
PFCF 12.90
QCCO's PFCF is ranked higher than
72% of the 1833 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 26.04 vs. QCCO: 12.90 )
QCCO' s 10-Year PFCF Range
Min: 2.02   Max: 99999999.99
Current: 12.9

2.02
99999999.99
EV-to-EBIT 2.74
QCCO's EV-to-EBIT is ranked higher than
99% of the 1833 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 18.36 vs. QCCO: 2.74 )
QCCO' s 10-Year EV-to-EBIT Range
Min: 2.1   Max: 23.9
Current: 2.74

2.1
23.9
Shiller P/E 5.40
QCCO's Shiller P/E is ranked higher than
99% of the 1833 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 98.15 vs. QCCO: 5.40 )
QCCO' s 10-Year Shiller P/E Range
Min: 2.68   Max: 9.8
Current: 5.4

2.68
9.8
Current Ratio 3.61
QCCO's Current Ratio is ranked higher than
87% of the 67 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.20 vs. QCCO: 3.61 )
QCCO' s 10-Year Current Ratio Range
Min: 1.78   Max: 10.79
Current: 3.61

1.78
10.79
Quick Ratio 3.61
QCCO's Quick Ratio is ranked higher than
87% of the 67 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.19 vs. QCCO: 3.61 )
QCCO' s 10-Year Quick Ratio Range
Min: 1.73   Max: 10.79
Current: 3.61

1.73
10.79

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.95
QCCO's Dividend Yield is ranked lower than
58% of the 1405 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.43 vs. QCCO: 1.95 )
QCCO' s 10-Year Dividend Yield Range
Min: 0.66   Max: 10.99
Current: 1.95

0.66
10.99
Dividend growth (3y) -9.10
QCCO's Dividend growth (3y) is ranked higher than
61% of the 962 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.70 vs. QCCO: -9.10 )
QCCO' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 0
Current: -9.1

Yield on cost (5-Year) 1.50
QCCO's Yield on cost (5-Year) is ranked lower than
70% of the 1367 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.63 vs. QCCO: 1.50 )
QCCO' s 10-Year Yield on cost (5-Year) Range
Min: 0.49   Max: 8.24
Current: 1.5

0.49
8.24
Share Buyback Rate -0.10
QCCO's Share Buyback Rate is ranked higher than
85% of the 1242 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.90 vs. QCCO: -0.10 )
QCCO' s 10-Year Share Buyback Rate Range
Min: 5.7   Max: -7.9
Current: -0.1

Valuation & Return

vs
industry
vs
history
Price/Net Current Asset Value 2.00
QCCO's Price/Net Current Asset Value is ranked higher than
100% of the 1833 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. QCCO: 2.00 )
QCCO' s 10-Year Price/Net Current Asset Value Range
Min: 1.85   Max: 36.8
Current: 2

1.85
36.8
Price/Tangible Book 0.70
QCCO's Price/Tangible Book is ranked higher than
92% of the 1833 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.35 vs. QCCO: 0.70 )
QCCO' s 10-Year Price/Tangible Book Range
Min: 0.48   Max: 5.89
Current: 0.7

0.48
5.89
Price/DCF (Projected) 0.20
QCCO's Price/DCF (Projected) is ranked higher than
97% of the 1833 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.48 vs. QCCO: 0.20 )
QCCO' s 10-Year Price/DCF (Projected) Range
Min: 0.15   Max: 0.71
Current: 0.2

0.15
0.71
Price/Median PS Value 0.60
QCCO's Price/Median PS Value is ranked higher than
96% of the 1833 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.11 vs. QCCO: 0.60 )
QCCO' s 10-Year Price/Median PS Value Range
Min: 0.45   Max: 5.75
Current: 0.6

0.45
5.75
Earnings Yield (Greenblatt) 35.60
QCCO's Earnings Yield (Greenblatt) is ranked higher than
98% of the 1588 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.90 vs. QCCO: 35.60 )
QCCO' s 10-Year Earnings Yield (Greenblatt) Range
Min: 4.2   Max: 47.4
Current: 35.6

4.2
47.4
Forward Rate of Return (Yacktman) 34.40
QCCO's Forward Rate of Return (Yacktman) is ranked higher than
87% of the 1260 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.98 vs. QCCO: 34.40 )
QCCO' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 7.3   Max: 64.3
Current: 34.4

7.3
64.3

Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:OCN, HOME, PBCT, HCBK, ISBC » details
QC Holdings, Inc., a Kansas corporation was incorporated in 1998. The Company and its subsidiaries provide various financial services (mainly payday loans) and sell used vehicles and earn finance charges from the related vehicle financing contracts. It has three operating segments Financial Services, Automotive and E-Lending. The Financial Services segment includes branches that offer payday loans, installment loans, credit services, check cashing services, title loans, money transfers and money orders. Revenues from its financial services are mainly derived by providing short-term consumer loans, known as payday loans. It earn fees for various other financial services, such as installment loans, credit services, check cashing services, title loans, money transfers and money orders. The Automotive segment consists of its buy here, pay here operations. As of December 31, 2012, it operated five buy here, pay here lots, three of which are located in Missouri and the other two in Kansas. These locations sell used vehicles and earn finance charges from the related vehicle financing contracts. The E-Lending segment includes the Internet lending operations in Canada. On September 30, 2011, through a wholly-owned subsidiary, QC Canada Holdings Inc., it acquired 100% of the outstanding stock of Direct Credit, a British Columbia Company engaged in short-term, consumer Internet lending in certain Canadian provinces. The Company competes with services such as overdraft protection offered by traditional financial institutions, payday loan-type products offered by some banks and credit unions, and other financial service entities and retail businesses that offer payday loans or other similar financial services, as well as a growing Internet-based payday loan segment. The Company is subject to regulation by federal, state, local and foreign governments.
» 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 
QC Holdings, Inc. Earnings Increase 96% During Second Quarter Aug 04 2009 
QC Holdings, Inc. Earnings Increase 96% During Second Quarter Aug 04 2009 
Revenue Growth of 8% Drives Strong Fourth Quarter Results for QC Holdings, Inc. Feb 12 2009 

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