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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 higher than
51% of the 1088 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.69 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 1578 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
69% of the 1429 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.82 vs. QCCO: 3.34 )
Ranked among companies with meaningful Interest Coverage only.
QCCO' s Interest Coverage Range Over the Past 10 Years
Min: 6.69  Med: 9.75 Max: 9999.99
Current: 3.34
6.69
9999.99
F-Score: 8
Z-Score: 3.12
M-Score: -2.85
WACC vs ROIC
6.41%
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
93% of the 1590 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.86 vs. QCCO: 2.20 )
Ranked among companies with meaningful Operating margin (%) only.
QCCO' s Operating margin (%) Range Over the Past 10 Years
Min: 7.82  Med: 12.78 Max: 18.02
Current: 2.2
7.82
18.02
Net-margin (%) 0.07
QCCO's Net-margin (%) is ranked lower than
94% of the 1593 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.37 vs. QCCO: 0.07 )
Ranked among companies with meaningful Net-margin (%) only.
QCCO' s Net-margin (%) Range Over the Past 10 Years
Min: -8.96  Med: 5.56 Max: 9.58
Current: 0.07
-8.96
9.58
ROE (%) 0.13
QCCO's ROE (%) is ranked lower than
92% of the 1589 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.01 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 1598 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.86 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
68% of the 103 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 16.69 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: -15.21  Med: 29.88 Max: 41.61
Current: 3.26
-15.21
41.61
Revenue Growth (3Y)(%) -5.40
QCCO's Revenue Growth (3Y)(%) is ranked lower than
75% of the 1284 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.10 vs. QCCO: -5.40 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
QCCO' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -9.8  Med: 12.20 Max: 34.3
Current: -5.4
-9.8
34.3
EBITDA Growth (3Y)(%) -21.10
QCCO's EBITDA Growth (3Y)(%) is ranked lower than
85% of the 1167 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.40 vs. QCCO: -21.10 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
QCCO' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -21.1  Med: -0.25 Max: 29.5
Current: -21.1
-21.1
29.5
EPS Growth (3Y)(%) -24.40
QCCO's EPS Growth (3Y)(%) is ranked lower than
84% of the 1165 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.60 vs. QCCO: -24.40 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
QCCO' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -24.4  Med: -2.30 Max: 44.8
Current: -24.4
-24.4
44.8
» QCCO's 10-Y Financials

Financials


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

» Details

Guru Trades

Q4 2014

QCCO Guru Trades in Q4 2014

Jim Simons 71,200 sh (+3.79%)
» More
Q1 2015

QCCO Guru Trades in Q1 2015

Jim Simons 75,500 sh (+6.04%)
» More
Q2 2015

QCCO Guru Trades in Q2 2015

Jim Simons 80,500 sh (+6.62%)
» More
Q3 2015

QCCO Guru Trades in Q3 2015

Jim Simons 82,500 sh (+2.48%)
» More
» Details

Insider Trades

Latest Guru Trades with QCCO

(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
Forward P/E 5.31
QCCO's Forward P/E is ranked higher than
91% of the 1307 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.35 vs. QCCO: 5.31 )
Ranked among companies with meaningful Forward P/E only.
N/A
P/B 0.15
QCCO's P/B is ranked higher than
99% of the 2196 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.00 vs. QCCO: 0.15 )
Ranked among companies with meaningful P/B only.
QCCO' s P/B Range Over the Past 10 Years
Min: 0.15  Med: 1.00 Max: 5.12
Current: 0.15
0.15
5.12
P/S 0.08
QCCO's P/S is ranked higher than
100% of the 2510 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.58 vs. QCCO: 0.08 )
Ranked among companies with meaningful P/S only.
QCCO' s P/S Range Over the Past 10 Years
Min: 0.07  Med: 0.40 Max: 2.66
Current: 0.08
0.07
2.66
PFCF 1.31
QCCO's PFCF is ranked higher than
90% of the 1337 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.28 vs. QCCO: 1.31 )
Ranked among companies with meaningful PFCF only.
QCCO' s PFCF Range Over the Past 10 Years
Min: 1.23  Med: 5.25 Max: 99999999.99
Current: 1.31
1.23
99999999.99
POCF 1.13
QCCO's POCF is ranked higher than
91% of the 1504 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.29 vs. QCCO: 1.13 )
Ranked among companies with meaningful POCF only.
QCCO' s POCF Range Over the Past 10 Years
Min: 1.05  Med: 4.65 Max: 30.64
Current: 1.13
1.05
30.64
EV-to-EBIT 2.53
QCCO's EV-to-EBIT is ranked higher than
97% of the 2085 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.39 vs. QCCO: 2.53 )
Ranked among companies with meaningful EV-to-EBIT only.
QCCO' s EV-to-EBIT Range Over the Past 10 Years
Min: -6  Med: 4.40 Max: 23.9
Current: 2.53
-6
23.9
EV-to-EBITDA 1.07
QCCO's EV-to-EBITDA is ranked higher than
99% of the 2093 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.12 vs. QCCO: 1.07 )
Ranked among companies with meaningful EV-to-EBITDA only.
QCCO' s EV-to-EBITDA Range Over the Past 10 Years
Min: -9.9  Med: 3.50 Max: 16.4
Current: 1.07
-9.9
16.4
Shiller P/E 1.33
QCCO's Shiller P/E is ranked higher than
98% of the 678 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 15.43 vs. QCCO: 1.33 )
Ranked among companies with meaningful Shiller P/E only.
QCCO' s Shiller P/E Range Over the Past 10 Years
Min: 1.26  Med: 3.85 Max: 5.17
Current: 1.33
1.26
5.17
Current Ratio 4.00
QCCO's Current Ratio is ranked higher than
68% of the 98 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.72 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
68% of the 98 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.71 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
72% of the 54 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 24.52 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: 120.87  Med: 133.50 Max: 148.25
Current: 129.67
120.87
148.25
Days Payable 2.48
QCCO's Days Payable is ranked lower than
91% of the 22 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 118.62 vs. QCCO: 2.48 )
Ranked among companies with meaningful Days Payable only.
QCCO' s Days Payable Range Over the Past 10 Years
Min: 0.45  Med: 2.05 Max: 7.7
Current: 2.48
0.45
7.7

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 8.36
QCCO's Dividend Yield is ranked higher than
94% of the 2412 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.03 vs. QCCO: 8.36 )
Ranked among companies with meaningful Dividend Yield only.
QCCO' s Dividend Yield Range Over the Past 10 Years
Min: 0.66  Med: 4.77 Max: 10.99
Current: 8.36
0.66
10.99
Dividend Growth (3y) -100.00
QCCO's Dividend Growth (3y) is ranked lower than
88% of the 730 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.00 vs. QCCO: -100.00 )
Ranked among companies with meaningful Dividend Growth (3y) only.
QCCO' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: 0.00 Max: 0
Current: -100
Yield on cost (5-Year) 8.36
QCCO's Yield on cost (5-Year) is ranked higher than
85% of the 2446 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.42 vs. QCCO: 8.36 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
QCCO' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0.66  Med: 4.77 Max: 10.99
Current: 8.36
0.66
10.99
3-Year Average Share Buyback Ratio -0.80
QCCO's 3-Year Average Share Buyback Ratio is ranked higher than
60% of the 1061 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.70 vs. QCCO: -0.80 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
QCCO' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -7.9  Med: 0.70 Max: 5.7
Current: -0.8
-7.9
5.7

Valuation & Return

vs
industry
vs
history
Price/Net Current Asset Value 0.23
QCCO's Price/Net Current Asset Value is ranked higher than
97% of the 68 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.73 vs. QCCO: 0.23 )
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: 0.23
0.6
113.13
Price/Tangible Book 0.16
QCCO's Price/Tangible Book is ranked higher than
98% of the 2185 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.09 vs. QCCO: 0.16 )
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: 5.86
Current: 0.16
0.41
5.86
Price/Projected FCF 0.06
QCCO's Price/Projected FCF is ranked higher than
99% of the 1351 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.64 vs. QCCO: 0.06 )
Ranked among companies with meaningful Price/Projected FCF only.
QCCO' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.14  Med: 0.26 Max: 1.09
Current: 0.06
0.14
1.09
Price/Median PS Value 0.19
QCCO's Price/Median PS Value is ranked higher than
99% of the 2093 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.95 vs. QCCO: 0.19 )
Ranked among companies with meaningful Price/Median PS Value only.
QCCO' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.47  Med: 1.01 Max: 6.47
Current: 0.19
0.47
6.47
Price/Graham Number 0.21
QCCO's Price/Graham Number is ranked higher than
97% of the 2050 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.98 vs. QCCO: 0.21 )
Ranked among companies with meaningful Price/Graham Number only.
QCCO' s Price/Graham Number Range Over the Past 10 Years
Min: 0.32  Med: 0.67 Max: 3.27
Current: 0.21
0.32
3.27
Earnings Yield (Greenblatt) (%) 39.58
QCCO's Earnings Yield (Greenblatt) (%) is ranked higher than
97% of the 1519 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.20 vs. QCCO: 39.58 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
QCCO' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 4.2  Med: 21.20 Max: 45.9
Current: 39.58
4.2
45.9
Forward Rate of Return (Yacktman) (%) 146.92
QCCO's Forward Rate of Return (Yacktman) (%) is ranked higher than
97% of the 869 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.65 vs. QCCO: 146.92 )
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: 29.10 Max: 58.4
Current: 146.92
6.2
58.4

More Statistics

Revenue(Mil) $140
EPS $ -0.01
Beta0.94
Short Percentage of Float0.03%
52-Week Range $0.54 - 2.68
Shares Outstanding(Mil)17.33

Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:OCN, HOME, PBCT, HCBK, ISBC » details
Traded in other countries:QS8.Germany,
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.
» 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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