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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 : 4/10

vs
industry
vs
history
Cash-to-Debt 0.09
CONN's Cash-to-Debt is ranked lower than
88% of the 964 Companies
in the Global Specialty Retail industry.

( Industry Median: 0.83 vs. CONN: 0.09 )
Ranked among companies with meaningful Cash-to-Debt only.
CONN' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.01  Med: 0.09 Max: No Debt
Current: 0.09
Equity-to-Asset 0.26
CONN's Equity-to-Asset is ranked lower than
81% of the 951 Companies
in the Global Specialty Retail industry.

( Industry Median: 0.49 vs. CONN: 0.26 )
Ranked among companies with meaningful Equity-to-Asset only.
CONN' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.25  Med: 0.51 Max: 0.8
Current: 0.26
0.25
0.8
Interest Coverage 0.74
CONN's Interest Coverage is ranked lower than
96% of the 812 Companies
in the Global Specialty Retail industry.

( Industry Median: 26.68 vs. CONN: 0.74 )
Ranked among companies with meaningful Interest Coverage only.
CONN' s Interest Coverage Range Over the Past 10 Years
Min: 0.65  Med: 2.68 Max: N/A
Current: 0.74
Piotroski F-Score: 4
Altman Z-Score: 2.01
Beneish M-Score: -2.46
WACC vs ROIC
8.30%
1.49%
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 % 4.58
CONN's Operating Margin % is ranked higher than
58% of the 964 Companies
in the Global Specialty Retail industry.

( Industry Median: 3.48 vs. CONN: 4.58 )
Ranked among companies with meaningful Operating Margin % only.
CONN' s Operating Margin % Range Over the Past 10 Years
Min: 3.44  Med: 7.15 Max: 13.56
Current: 4.58
3.44
13.56
Net Margin % -1.18
CONN's Net Margin % is ranked lower than
78% of the 966 Companies
in the Global Specialty Retail industry.

( Industry Median: 2.23 vs. CONN: -1.18 )
Ranked among companies with meaningful Net Margin % only.
CONN' s Net Margin % Range Over the Past 10 Years
Min: -1.6  Med: 2.93 Max: 7.83
Current: -1.18
-1.6
7.83
ROE % -3.54
CONN's ROE % is ranked lower than
80% of the 945 Companies
in the Global Specialty Retail industry.

( Industry Median: 6.33 vs. CONN: -3.54 )
Ranked among companies with meaningful ROE % only.
CONN' s ROE % Range Over the Past 10 Years
Min: -4.84  Med: 7.3 Max: 17.57
Current: -3.54
-4.84
17.57
ROA % -0.92
CONN's ROA % is ranked lower than
77% of the 972 Companies
in the Global Specialty Retail industry.

( Industry Median: 2.80 vs. CONN: -0.92 )
Ranked among companies with meaningful ROA % only.
CONN' s ROA % Range Over the Past 10 Years
Min: -1.29  Med: 2.83 Max: 10.27
Current: -0.92
-1.29
10.27
ROC (Joel Greenblatt) % 6.56
CONN's ROC (Joel Greenblatt) % is ranked lower than
64% of the 967 Companies
in the Global Specialty Retail industry.

( Industry Median: 12.82 vs. CONN: 6.56 )
Ranked among companies with meaningful ROC (Joel Greenblatt) % only.
CONN' s ROC (Joel Greenblatt) % Range Over the Past 10 Years
Min: 4.55  Med: 13.24 Max: 28.37
Current: 6.56
4.55
28.37
3-Year Revenue Growth Rate 17.00
CONN's 3-Year Revenue Growth Rate is ranked higher than
90% of the 808 Companies
in the Global Specialty Retail industry.

( Industry Median: 1.50 vs. CONN: 17.00 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
CONN' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -13.4  Med: 6.3 Max: 21
Current: 17
-13.4
21
3-Year EBITDA Growth Rate -14.00
CONN's 3-Year EBITDA Growth Rate is ranked lower than
79% of the 697 Companies
in the Global Specialty Retail industry.

( Industry Median: 1.80 vs. CONN: -14.00 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
CONN' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -37.2  Med: 4.5 Max: 56
Current: -14
-37.2
56
GuruFocus has detected 7 Warning Signs with Conn's Inc $CONN.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» CONN's 30-Y Financials

Financials (Next Earnings Date: 2017-09-06 Est.)


Revenue & Net Income
Cash & Debt
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

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Business Description

Industry: Retail - Apparel & Specialty » Specialty Retail    NAICS: 443142    SIC: 5731
Compare:NAS:FINL, NAS:WINA, NAS:LE, NYSE:NETS, NAS:FTD, NYSE:MED, NYSE:BKS, NAS:FLWS, NYSE:BNED, NYSE:HZO, NYSE:PIR, NAS:HIBB, NYSE:XOXO, NYSE:SYX, NAS:OSTK, NYSE:JMEI, NAS:BGFV, NAS:ZUMZ, NYSE:CVNA, NYSE:TCS » details
Traded in other countries:CN4.Germany,
Headquarter Location:USA
Conn's Inc is a specialty retailer that offers branded durable consumer goods and related services in addition to a proprietary credit solution for its core credit constrained consumers.

Conn's Inc was founded in 1890. The Company operates as a specialty retailer of branded durable consumer goods and related services in addition to a proprietary credit solution for its core credit constrained consumers. Its complementary product offerings include home appliances, furniture and mattresses, consumer electronics and home office products. Its credit offering provides financing solutions to credit constrained consumers who typically have limited banking options and have credit scores between 550 and 650. The Company has two reportable segments: retail and credit. As of January 31, 2015, the Company operated 90 retail stores located in 11 states: Arizona, Colorado, Louisiana, Mississippi, Nevada, New Mexico, North Carolina, Oklahoma, South Carolina, Tennessee and Texas. Its product categories include: Furniture and mattress for brands as Franklin, Jackson Furniture, Catnapper, Home Stretch, Elements, Steve Silver, Bello, Z-line, Serta, Sealy, and Tempur-Pedic; Home appliance, including refrigerators, freezers, washers, dryers, dishwashers and ranges for brands such as Samsung, LG, Electrolux, General Electric, Frigidaire, Friedrich, Weber, and Dyson; Consumer electronics, including LCD, LED, 3-D, and Ultra HD televisions, Blu-ray players, home theatre and video game products, digital cameras and portable audio equipment for brands such as Samsung, LG, Sharp, Sony, Toshiba, Beats, Bose, Haier, Monster, Canon, and Nikon; and Home office, including computers, tablets, printers and accessories for brands such as HP, Samsung, Dell, Toshiba, and ASUS. The Company has developed a proprietary underwriting model that provides standardized credit decisions, including down payment, limit amounts and credit terms, based on customer risk and income level. It uses its proprietary auto-approval algorithm and in-depth evaluations of creditworthiness performed by qualified in-house credit underwriters to complete all credit decisions. It also provides access to monthly payment options to a wider range of consumers through its relationship with AcceptanceNow and Synchrony Bank. The Company competes against a diverse group of retailers, including national mass merchants such as Sears, Wal-Mart, Target, Sam's Club and Costco, specialized national retailers such as Best Buy, Rooms To Go and Mattress Firm, home improvement stores such as Lowe's and Home Depot, and locally-owned regional or independent retail specialty stores that sell furniture and mattresses, home appliances, and consumer electronics similar, and often identical, to those items that it sells. It also competes with retailers that market products through store catalogues and the internet.

Ratios

vs
industry
vs
history
PB Ratio 1.03
CONN's PB Ratio is ranked higher than
70% of the 927 Companies
in the Global Specialty Retail industry.

( Industry Median: 1.65 vs. CONN: 1.03 )
Ranked among companies with meaningful PB Ratio only.
CONN' s PB Ratio Range Over the Past 10 Years
Min: 0.25  Med: 1.21 Max: 5
Current: 1.03
0.25
5
PS Ratio 0.33
CONN's PS Ratio is ranked higher than
72% of the 937 Companies
in the Global Specialty Retail industry.

( Industry Median: 0.70 vs. CONN: 0.33 )
Ranked among companies with meaningful PS Ratio only.
CONN' s PS Ratio Range Over the Past 10 Years
Min: 0.11  Med: 0.48 Max: 2.61
Current: 0.33
0.11
2.61
Price-to-Free-Cash-Flow 3.41
CONN's Price-to-Free-Cash-Flow is ranked higher than
96% of the 393 Companies
in the Global Specialty Retail industry.

( Industry Median: 15.76 vs. CONN: 3.41 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
CONN' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 1.3  Med: 4.37 Max: 163.29
Current: 3.41
1.3
163.29
Price-to-Operating-Cash-Flow 2.81
CONN's Price-to-Operating-Cash-Flow is ranked higher than
94% of the 488 Companies
in the Global Specialty Retail industry.

( Industry Median: 10.44 vs. CONN: 2.81 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
CONN' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 1.2  Med: 5.61 Max: 1269.5
Current: 2.81
1.2
1269.5
EV-to-EBIT 22.70
CONN's EV-to-EBIT is ranked lower than
71% of the 750 Companies
in the Global Specialty Retail industry.

( Industry Median: 14.75 vs. CONN: 22.70 )
Ranked among companies with meaningful EV-to-EBIT only.
CONN' s EV-to-EBIT Range Over the Past 10 Years
Min: 1  Med: 15.9 Max: 130
Current: 22.7
1
130
EV-to-EBITDA 15.97
CONN's EV-to-EBITDA is ranked lower than
66% of the 793 Companies
in the Global Specialty Retail industry.

( Industry Median: 11.83 vs. CONN: 15.97 )
Ranked among companies with meaningful EV-to-EBITDA only.
CONN' s EV-to-EBITDA Range Over the Past 10 Years
Min: 0.9  Med: 12.4 Max: 36.4
Current: 15.97
0.9
36.4
Shiller PE Ratio 18.33
CONN's Shiller PE Ratio is ranked lower than
51% of the 257 Companies
in the Global Specialty Retail industry.

( Industry Median: 18.64 vs. CONN: 18.33 )
Ranked among companies with meaningful Shiller PE Ratio only.
CONN' s Shiller PE Ratio Range Over the Past 10 Years
Min: 6.44  Med: 24.21 Max: 63.62
Current: 18.33
6.44
63.62
Current Ratio 6.75
CONN's Current Ratio is ranked higher than
94% of the 949 Companies
in the Global Specialty Retail industry.

( Industry Median: 1.62 vs. CONN: 6.75 )
Ranked among companies with meaningful Current Ratio only.
CONN' s Current Ratio Range Over the Past 10 Years
Min: 2.14  Med: 3.97 Max: 7.96
Current: 6.75
2.14
7.96
Quick Ratio 5.77
CONN's Quick Ratio is ranked higher than
96% of the 949 Companies
in the Global Specialty Retail industry.

( Industry Median: 0.89 vs. CONN: 5.77 )
Ranked among companies with meaningful Quick Ratio only.
CONN' s Quick Ratio Range Over the Past 10 Years
Min: 1.4  Med: 2.98 Max: 6.58
Current: 5.77
1.4
6.58
Days Inventory 84.36
CONN's Days Inventory is ranked higher than
52% of the 909 Companies
in the Global Specialty Retail industry.

( Industry Median: 90.14 vs. CONN: 84.36 )
Ranked among companies with meaningful Days Inventory only.
CONN' s Days Inventory Range Over the Past 10 Years
Min: 51.44  Med: 56.74 Max: 84.36
Current: 84.36
51.44
84.36
Days Sales Outstanding 166.50
CONN's Days Sales Outstanding is ranked lower than
96% of the 767 Companies
in the Global Specialty Retail industry.

( Industry Median: 14.79 vs. CONN: 166.50 )
Ranked among companies with meaningful Days Sales Outstanding only.
CONN' s Days Sales Outstanding Range Over the Past 10 Years
Min: 2.27  Med: 158.78 Max: 189.91
Current: 166.5
2.27
189.91
Days Payable 48.44
CONN's Days Payable is ranked lower than
53% of the 717 Companies
in the Global Specialty Retail industry.

( Industry Median: 51.01 vs. CONN: 48.44 )
Ranked among companies with meaningful Days Payable only.
CONN' s Days Payable Range Over the Past 10 Years
Min: 19.89  Med: 39.06 Max: 52.57
Current: 48.44
19.89
52.57

Buy Back

vs
industry
vs
history
3-Year Average Share Buyback Ratio 5.00
CONN's 3-Year Average Share Buyback Ratio is ranked higher than
92% of the 516 Companies
in the Global Specialty Retail industry.

( Industry Median: -0.50 vs. CONN: 5.00 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
CONN' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -12.9  Med: -4.3 Max: 5
Current: 5
-12.9
5

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.01
CONN's Price-to-Tangible-Book is ranked higher than
73% of the 856 Companies
in the Global Specialty Retail industry.

( Industry Median: 1.94 vs. CONN: 1.01 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
CONN' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.29  Med: 1.52 Max: 4.36
Current: 1.01
0.29
4.36
Price-to-Median-PS-Value 0.69
CONN's Price-to-Median-PS-Value is ranked higher than
78% of the 837 Companies
in the Global Specialty Retail industry.

( Industry Median: 1.05 vs. CONN: 0.69 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
CONN' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.26  Med: 1.35 Max: 4.91
Current: 0.69
0.26
4.91
Earnings Yield (Greenblatt) % 4.38
CONN's Earnings Yield (Greenblatt) % is ranked lower than
55% of the 976 Companies
in the Global Specialty Retail industry.

( Industry Median: 5.07 vs. CONN: 4.38 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
CONN' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 0.8  Med: 6.3 Max: 97
Current: 4.38
0.8
97
Forward Rate of Return (Yacktman) % -10.63
CONN's Forward Rate of Return (Yacktman) % is ranked lower than
77% of the 561 Companies
in the Global Specialty Retail industry.

( Industry Median: 3.92 vs. CONN: -10.63 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
CONN' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: -30.2  Med: 4.05 Max: 32
Current: -10.63
-30.2
32

More Statistics

Revenue (TTM) (Mil) $1,563.56
EPS (TTM) $ -0.59
Beta1.99
Short Percentage of Float36.29%
52-Week Range $6.54 - 19.95
Shares Outstanding (Mil)31.01

Analyst Estimate

Jan18 Jan19
Revenue (Mil $) 1,490 1,475
EPS ($) -0.04 0.05
EPS without NRI ($) -0.04 0.05
EPS Growth Rate
(Future 3Y To 5Y Estimate)
23.00%
Dividends per Share ($)
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