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3 (1y: -26%)
Market Cap 52.78 M P/E(ttm) 23.30
Enterprise Value 66.81 M P/B 0.63
QCCO- NAS (USA)
QC Holdings, Inc.
  • Currently 1/5
Business Predictability Rank: 1-Star (On Watch)
Back Testing Results:
Average gain of all 1-Star stocks: 1.1% per year.
% of Stocks that are in still loss if held for 10yrs: 45%.
Read more:
What is Predictability Rank?
Performances of real portfolio
Top Ranked Predictable Companies
$3.00
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GuruFocus Financial Strength Rank measures how strong a companyย’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 0.502
QCCO's Cash to Debt is ranked lower than
57% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.85 vs. QCCO: 0.502 )
QCCO' s 10-Year Cash to Debt Range
Min: 0.25   Max: No Debt
Current: 0.5
Equity to Asset 0.427
QCCO's Equity to Asset is ranked higher than
97% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.09 vs. QCCO: 0.427 )
QCCO' s 10-Year Equity to Asset Range
Min: 0.06   Max: 0.84
Current: 0.43
0.06
0.84
Interest Coverage 5.8
QCCO's Interest Coverage is ranked lower than
95% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10000.00 vs. QCCO: 5.8 )
QCCO' s 10-Year Interest Coverage Range
Min: 6   Max: No Debt
Current: 5.8
F-Score: 6
Z-Score: 3.04
M-Score: -2.63
GuruFocus Profitability Rank ranks how profitable a company is and how likely the companyย’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.
ย•ย•3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rankย•

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 (%) 11.40
QCCO's Operating margin (%) is ranked lower than
70% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 25.80 vs. QCCO: 11.40 )
QCCO' s 10-Year Operating margin (%) Range
Min: 6.9   Max: 34.9
Current: 11.4
6.9
34.9
Net-margin (%) 3
QCCO's Net-margin (%) is ranked lower than
82% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 18.10 vs. QCCO: 3 )
QCCO' s 10-Year Net-margin (%) Range
Min: 3   Max: 14.8
Current: 3
3
14.8
ROE (%) 6.5
QCCO's ROE (%) is ranked higher than
57% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.80 vs. QCCO: 6.5 )
QCCO' s 10-Year ROE (%) Range
Min: 4.9   Max: 149.2
Current: 6.5
4.9
149.2
ROA (%) 4.1
QCCO's ROA (%) is ranked higher than
97% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.80 vs. QCCO: 4.1 )
QCCO' s 10-Year ROA (%) Range
Min: 4.1   Max: 21.4
Current: 4.1
4.1
21.4
ROC (Joel Greenblatt) (%) 29.90
QCCO's ROC (Joel Greenblatt) (%) is ranked lower than
57% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 45.20 vs. QCCO: 29.90 )
QCCO' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 14.1   Max: 67.7
Current: 29.9
14.1
67.7
Revenue Growth (%) -4.4
QCCO's Revenue Growth (%) is ranked lower than
53% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.70 vs. QCCO: -4.4 )
QCCO' s 10-Year Revenue Growth (%) Range
Min: -4.4   Max: 26.4
Current: -4.4
-4.4
26.4
EBITDA Growth (%) -13.5
QCCO's EBITDA Growth (%) is ranked higher than
59% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.10 vs. QCCO: -13.5 )
QCCO' s 10-Year EBITDA Growth (%) Range
Min: -13.5   Max: 87.4
Current: -13.5
-13.5
87.4
EPS Growth (%) -27.7
QCCO's EPS Growth (%) is ranked higher than
58% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.40 vs. QCCO: -27.7 )
QCCO' s 10-Year EPS Growth (%) Range
Min: -27.7   Max: 32.7
Current: -27.7
-27.7
32.7
ยป QCCO's 10-Y Financials

Financials


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

» Details

Guru Trades
Q2 2012

QCCO Guru Trades in Q2 2012

Jim Simons 68,300 sh (+1.79%)
» More
Q3 2012

QCCO Guru Trades in Q3 2012

Jim Simons 69,300 sh (+1.46%)
» More
Q4 2012

QCCO Guru Trades in Q4 2012

Jim Simons 67,200 sh (-3.03%)
» More
Q1 2013

QCCO Guru Trades in Q1 2013

Jim Simons 62,500 sh (-6.99%)
» More
» Details

Insider Trades

Latest Guru Trades with QCCO



No Insider Trades Found!

Ratios

vs
industry		 vs
history
P/E(ttm) 23.30
QCCO's P/E(ttm) is ranked higher than
93% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.43 vs. QCCO: 23.30 )
QCCO' s 10-Year P/E(ttm) Range
Min: 3.45   Max: 113.62
Current: 23.3
3.45
113.62
P/B 0.63
QCCO's P/B is ranked higher than
70% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.90 vs. QCCO: 0.63 )
QCCO' s 10-Year P/B Range
Min: 0.62   Max: 5.2
Current: 0.63
0.62
5.2
P/S 0.29
QCCO's P/S is ranked higher than
97% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.20 vs. QCCO: 0.29 )
QCCO' s 10-Year P/S Range
Min: 0.27   Max: 2.5
Current: 0.29
0.27
2.5
PFCF 10.71
QCCO's PFCF is ranked higher than
58% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.70 vs. QCCO: 10.71 )
QCCO' s 10-Year PFCF Range
Min: 2.25   Max: 2.72378E+17
Current: 10.71
2.25
2.72378E+17
EV-to-EBIT 3.99
QCCO's EV-to-EBIT is ranked higher than
97% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 16.90 vs. QCCO: 3.99 )
QCCO' s 10-Year EV-to-EBIT Range
Min: 2.3   Max: 79.3
Current: 3.99
2.3
79.3
Shiller P/E 3.95
QCCO's Shiller P/E is ranked higher than
92% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.60 vs. QCCO: 3.95 )
QCCO' s 10-Year Shiller P/E Range
Min: 3.79   Max: 7.39
Current: 3.95
3.79
7.39

Dividend & Buy Back

vs
industry		 vs
history
Dividend Yield 6.67
QCCO's Dividend Yield is ranked higher than
97% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.20 vs. QCCO: 6.67 )
QCCO' s 10-Year Dividend Yield Range
Min: 0.66   Max: 6.85
Current: 6.67
0.66
6.85
Dividend Payout 0.6
QCCO's Dividend Payout is ranked higher than
58% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.42 vs. QCCO: 0.6 )
QCCO' s 10-Year Dividend Payout Range
Min: 0.18   Max: 0.64
Current: 0.6
0.18
0.64
Yield on cost (5-Year) 6.60
QCCO's Yield on cost (5-Year) is ranked higher than
78% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.92 vs. QCCO: 6.60 )
QCCO' s 10-Year Yield on cost (5-Year) Range
Min: 0.66   Max: 6.85
Current: 6.6
0.66
6.85
Share Buyback Rate 0.5
QCCO's Share Buyback Rate is ranked higher than
93% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.75 vs. QCCO: 0.5 )
QCCO' s 10-Year Share Buyback Rate Range
Min: 4.3   Max: -5.8
Current: 0.5

Valuation & Return

vs
industry		 vs
history
Price/Net Current Asset Value 1.2
QCCO's Price/Net Current Asset Value is ranked higher than
94% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.70 vs. QCCO: 1.2 )
QCCO' s 10-Year Price/Net Current Asset Value Range
Min: 1.3   Max: 8.4
Current: 1.2
1.3
8.4
Price/Tangible Book 0.9
QCCO's Price/Tangible Book is ranked higher than
68% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.00 vs. QCCO: 0.9 )
QCCO' s 10-Year Price/Tangible Book Range
Min: 1   Max: 6.1
Current: 0.9
1
6.1
Price/DCF (Projected) 0.2
QCCO's Price/DCF (Projected) is ranked higher than
55% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.50 vs. QCCO: 0.2 )
QCCO' s 10-Year Price/DCF (Projected) Range
Min: 0.2   Max: 0.5
Current: 0.2
0.2
0.5
Price/Median PS Value 0.6
QCCO's Price/Median PS Value is ranked lower than
52% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.80 vs. QCCO: 0.6 )
QCCO' s 10-Year Price/Median PS Value Range
Min: 0.6   Max: 5.1
Current: 0.6
0.6
5.1
Price/Peter Lynch Fair Value 0.8
QCCO's Price/Peter Lynch Fair Value is ranked lower than
65% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.00 vs. QCCO: 0.8 )
QCCO' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.2   Max: 0.9
Current: 0.8
0.2
0.9
Price/Graham Number 0.6
QCCO's Price/Graham Number is ranked higher than
56% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.80 vs. QCCO: 0.6 )
QCCO' s 10-Year Price/Graham Number Range
Min: 0.5   Max: 2.4
Current: 0.6
0.5
2.4
Earnings Yield (Greenblatt) 25.10
QCCO's Earnings Yield (Greenblatt) is ranked higher than
98% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.80 vs. QCCO: 25.10 )
QCCO' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.3   Max: 43
Current: 25.1
1.3
43
Forward Rate of Return (Yacktman) 14.96
QCCO's Forward Rate of Return (Yacktman) is ranked higher than
88% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 15.01 vs. QCCO: 14.96 )
QCCO' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 13.5   Max: 53.7
Current: 14.96
13.5
53.7

Business Description

QC Holdings, Inc. was incorporated in the state of Kansas 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, 2011, 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.
Company Website
SEC Reports
Industry: Savings & Cooperative Banks
Compare:OCN, HOME, PBCT, HCBK, ISBC
ยป More Articles for QCCO

Headlines

Articles On GuruFocus.com
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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