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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 0.92
QCCO's Cash to Debt is ranked higher than
70% of the 1688 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.58 vs. QCCO: 0.92 )
QCCO' s 10-Year Cash to Debt Range
Min: 0.25   Max: No Debt
Current: 0.92

Equity to Asset 0.69
QCCO's Equity to Asset is ranked higher than
98% of the 2260 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.09 vs. QCCO: 0.69 )
QCCO' s 10-Year Equity to Asset Range
Min: 0.14   Max: 0.9
Current: 0.69

0.14
0.9
Interest Coverage 8.74
QCCO's Interest Coverage is ranked higher than
94% of the 2143 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.23 vs. QCCO: 8.74 )
QCCO' s 10-Year Interest Coverage Range
Min: 6.69   Max: 9999.99
Current: 8.74

6.69
9999.99
F-Score: 7
Z-Score: 3.68
M-Score: -2.70
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 (%) 7.77
QCCO's Operating margin (%) is ranked higher than
51% of the 2333 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.19 vs. QCCO: 7.77 )
QCCO' s 10-Year Operating margin (%) Range
Min: 7.82   Max: 34.87
Current: 7.77

7.82
34.87
Net-margin (%) 3.52
QCCO's Net-margin (%) is ranked lower than
51% of the 2333 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.29 vs. QCCO: 3.52 )
QCCO' s 10-Year Net-margin (%) Range
Min: -8.96   Max: 15.63
Current: 3.52

-8.96
15.63
ROE (%) 7.75
QCCO's ROE (%) is ranked higher than
70% of the 2336 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.96 vs. QCCO: 7.75 )
QCCO' s 10-Year ROE (%) Range
Min: -18.88   Max: 107.12
Current: 7.75

-18.88
107.12
ROA (%) 5.32
QCCO's ROA (%) is ranked higher than
98% of the 2341 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.80 vs. QCCO: 5.32 )
QCCO' s 10-Year ROA (%) Range
Min: -11.67   Max: 24.01
Current: 5.32

-11.67
24.01
ROC (Joel Greenblatt) (%) 20.65
QCCO's ROC (Joel Greenblatt) (%) is ranked higher than
55% of the 2305 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 88.52 vs. QCCO: 20.65 )
QCCO' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 19.51   Max: 67.82
Current: 20.65

19.51
67.82
Revenue Growth (3Y)(%) -5.40
QCCO's Revenue Growth (3Y)(%) is ranked higher than
58% of the 1994 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.10 vs. QCCO: -5.40 )
QCCO' s 10-Year Revenue Growth (3Y)(%) Range
Min: -9.8   Max: 34.3
Current: -5.4

-9.8
34.3
EBITDA Growth (3Y)(%) -21.10
QCCO's EBITDA Growth (3Y)(%) is ranked higher than
52% of the 1809 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.50 vs. QCCO: -21.10 )
QCCO' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -21.1   Max: 29.5
Current: -21.1

-21.1
29.5
EPS Growth (3Y)(%) -24.40
QCCO's EPS Growth (3Y)(%) is ranked higher than
52% of the 1825 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.90 vs. QCCO: -24.40 )
QCCO' s 10-Year EPS Growth (3Y)(%) Range
Min: -24.4   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

Q1 2014

QCCO Guru Trades in Q1 2014

Jim Simons 60,701 sh (-8.17%)
» More
Q2 2014

QCCO Guru Trades in Q2 2014

Jim Simons 62,700 sh (+3.29%)
» More
Q3 2014

QCCO Guru Trades in Q3 2014

Jim Simons 68,600 sh (+9.41%)
» More
Q4 2014

QCCO Guru Trades in Q4 2014

Jim Simons 71,200 sh (+3.79%)
» 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
P/E(ttm) 7.20
QCCO's P/E(ttm) is ranked higher than
96% of the 3110 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 18.60 vs. QCCO: 7.20 )
QCCO' s 10-Year P/E(ttm) Range
Min: 3.37   Max: 114.5
Current: 7.2

3.37
114.5
Forward P/E 5.31
QCCO's Forward P/E is ranked higher than
97% of the 3110 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. QCCO: 5.31 )
N/A
PE(NRI) 7.50
QCCO's PE(NRI) is ranked higher than
95% of the 3110 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 18.30 vs. QCCO: 7.50 )
QCCO' s 10-Year PE(NRI) Range
Min: 3.45   Max: 98.47
Current: 7.5

3.45
98.47
P/B 0.50
QCCO's P/B is ranked higher than
95% of the 3110 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.40 vs. QCCO: 0.50 )
QCCO' s 10-Year P/B Range
Min: 0.39   Max: 5.18
Current: 0.5

0.39
5.18
P/S 0.30
QCCO's P/S is ranked higher than
100% of the 3110 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.75 vs. QCCO: 0.30 )
QCCO' s 10-Year P/S Range
Min: 0.18   Max: 2.66
Current: 0.3

0.18
2.66
PFCF 3.50
QCCO's PFCF is ranked higher than
92% of the 3110 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. QCCO: 3.50 )
QCCO' s 10-Year PFCF Range
Min: 2.02   Max: 99999999.99
Current: 3.5

2.02
99999999.99
POCF 2.82
QCCO's POCF is ranked higher than
93% of the 3110 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 79.62 vs. QCCO: 2.82 )
QCCO' s 10-Year POCF Range
Min: 1.7   Max: 30.64
Current: 2.82

1.7
30.64
EV-to-EBIT 3.29
QCCO's EV-to-EBIT is ranked higher than
98% of the 3110 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 20.51 vs. QCCO: 3.29 )
QCCO' s 10-Year EV-to-EBIT Range
Min: 2.1   Max: 23.9
Current: 3.29

2.1
23.9
Shiller P/E 5.50
QCCO's Shiller P/E is ranked higher than
99% of the 3110 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. QCCO: 5.50 )
QCCO' s 10-Year Shiller P/E Range
Min: 2.68   Max: 9.8
Current: 5.5

2.68
9.8
Current Ratio 3.49
QCCO's Current Ratio is ranked higher than
79% of the 102 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.66 vs. QCCO: 3.49 )
QCCO' s 10-Year Current Ratio Range
Min: 1.85   Max: 9.77
Current: 3.49

1.85
9.77
Quick Ratio 3.49
QCCO's Quick Ratio is ranked higher than
79% of the 102 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.56 vs. QCCO: 3.49 )
QCCO' s 10-Year Quick Ratio Range
Min: 1.79   Max: 9.77
Current: 3.49

1.79
9.77
Days Sales Outstanding 133.85
QCCO's Days Sales Outstanding is ranked higher than
80% of the 3110 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. QCCO: 133.85 )
QCCO' s 10-Year Days Sales Outstanding Range
Min: 120.87   Max: 152.49
Current: 133.85

120.87
152.49

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.20
QCCO's Dividend Yield is ranked lower than
51% of the 2176 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.43 vs. QCCO: 2.20 )
QCCO' s 10-Year Dividend Yield Range
Min: 0.66   Max: 10.99
Current: 2.2

0.66
10.99
Dividend growth (3y) -100.00
QCCO's Dividend growth (3y) is ranked higher than
55% of the 1316 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.60 vs. QCCO: -100.00 )
QCCO' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 0
Current: -100

Yield on cost (5-Year) 2.20
QCCO's Yield on cost (5-Year) is ranked lower than
56% of the 2185 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.75 vs. QCCO: 2.20 )
QCCO' s 10-Year Yield on cost (5-Year) Range
Min: 0.66   Max: 10.99
Current: 2.2

0.66
10.99
Share Buyback Rate -0.80
QCCO's Share Buyback Rate is ranked higher than
76% of the 1668 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.50 vs. QCCO: -0.80 )
QCCO' s 10-Year Share Buyback Rate Range
Min: 5.7   Max: -7.9
Current: -0.8

Valuation & Return

vs
industry
vs
history
Price/Net Current Asset Value 0.81
QCCO's Price/Net Current Asset Value is ranked higher than
100% of the 3110 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. QCCO: 0.81 )
QCCO' s 10-Year Price/Net Current Asset Value Range
Min: 0.61   Max: 70.31
Current: 0.81

0.61
70.31
Price/Tangible Book 0.55
QCCO's Price/Tangible Book is ranked higher than
96% of the 3110 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.61 vs. QCCO: 0.55 )
QCCO' s 10-Year Price/Tangible Book Range
Min: 0.47   Max: 5.89
Current: 0.55

0.47
5.89
Price/DCF (Projected) 0.19
QCCO's Price/DCF (Projected) is ranked higher than
97% of the 3110 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. QCCO: 0.19 )
QCCO' s 10-Year Price/DCF (Projected) Range
Min: 0.14   Max: 0.55
Current: 0.19

0.14
0.55
Price/Median PS Value 0.60
QCCO's Price/Median PS Value is ranked higher than
98% of the 3110 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.30 vs. QCCO: 0.60 )
QCCO' s 10-Year Price/Median PS Value Range
Min: 0.45   Max: 6.1
Current: 0.6

0.45
6.1
Price/Graham Number 0.42
QCCO's Price/Graham Number is ranked higher than
96% of the 3110 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.20 vs. QCCO: 0.42 )
QCCO' s 10-Year Price/Graham Number Range
Min: 0.32   Max: 2.26
Current: 0.42

0.32
2.26
Earnings Yield (Greenblatt) 30.10
QCCO's Earnings Yield (Greenblatt) is ranked higher than
97% of the 2321 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.40 vs. QCCO: 30.10 )
QCCO' s 10-Year Earnings Yield (Greenblatt) Range
Min: 4.2   Max: 47.6
Current: 30.1

4.2
47.6
Forward Rate of Return (Yacktman) 29.07
QCCO's Forward Rate of Return (Yacktman) is ranked higher than
84% of the 1295 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.15 vs. QCCO: 29.07 )
QCCO' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 4.9   Max: 58.4
Current: 29.07

4.9
58.4

Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:OCN, HOME, PBCT, HCBK, ISBC » details
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 
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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