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Nicholas Financial Inc (NICK) Files 10-K for the Fiscal Year Ended on March 31, 2017

June 14, 2017 | About:

Nicholas Financial Inc (NASDAQ:NICK) files its latest 10-K with SEC for the fiscal year ended on March 31, 2017. Nicholas Financial Inc is a specialized consumer finance company engaged in acquiring and servicing automobile finance installment contracts for purchases of new and used automobiles and light trucks. Nicholas Financial Inc has a market cap of $63.110 million; its shares were traded at around $8.08 with a P/E ratio of 11.70 and P/S ratio of 0.69. Nicholas Financial Inc had annual average EBITDA growth of 7.50% over the past ten years. GuruFocus rated Nicholas Financial Inc the business predictability rank of 3.5-star.

For the last quarter Nicholas Financial Inc reported a revenue of $22.9 million, compared with the revenue of $23.24 million during the same period a year ago. For the latest fiscal year the company reported a revenue of $90.5 million, a decrease of 0.3% from the previous year. For the last five years Nicholas Financial Inc had an average revenue growth rate of 2.7% a year.

The reported diluted earnings per share was 69 cents for the year, a decline of 56.6% from the previous year. Over the last five years Nicholas Financial Inc had an average EPS decline of 13.3% a year. The Nicholas Financial Inc had an operating margin of 9.66%, compared with the operating margin of 22.16% a year before. The 10-year historical median operating margin of Nicholas Financial Inc is 32.88%. The profitability rank of the company is 8 (out of 10).

At the end of the fiscal year, Nicholas Financial Inc has the cash and cash equivalents of $2.86 million, compared with $1.85 million in the previous year. The company had no long term debt. The company's operating income of cannot cover its interest payment during the last fiscal year. Nicholas Financial Inc has a financial strength rank of 4 (out of 10).

At the current stock price of $8.08, Nicholas Financial Inc is traded at 62.5% discount to its historical median P/S valuation band of $21.57. The P/S ratio of the stock is 0.69, while the historical median P/S ratio is 1.83. The intrinsic value of the stock is $9.12 a share, according to GuruFocus DCF Calculator. The stock lost 22.21% during the past 12 months.

Directors and Officers Recent Trades:

  • 10% Owner Capital Fund, Lp Magnolia bought 4,800 shares of NICK stock on 05/23/2017 at the average price of $8.72. The price of the stock has decreased by 7.34% since.

For the complete 20-year historical financial data of NICK, click here.

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