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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 : 4/10

vs
industry
vs
history
Cash-to-Debt 0.17
NYSE:CURO's Cash-to-Debt is ranked higher than
100% of the 421 Companies
in the Global Credit Services industry.

( Industry Median: 2.52 vs. NYSE:CURO: 0.17 )
Ranked among companies with meaningful Cash-to-Debt only.
NYSE:CURO' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.17  Med: 0.19 Max: 0.31
Current: 0.17
0.17
0.31
Equity-to-Asset 0.09
NYSE:CURO's Equity-to-Asset is ranked higher than
100% of the 405 Companies
in the Global Credit Services industry.

( Industry Median: 0.45 vs. NYSE:CURO: 0.09 )
Ranked among companies with meaningful Equity-to-Asset only.
NYSE:CURO' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.05  Med: 0.08 Max: 0.09
Current: 0.09
0.05
0.09
Debt-to-Equity 8.56
NYSE:CURO's Debt-to-Equity is ranked higher than
100% of the 221 Companies
in the Global Credit Services industry.

( Industry Median: 1.30 vs. NYSE:CURO: 8.56 )
Ranked among companies with meaningful Debt-to-Equity only.
NYSE:CURO' s Debt-to-Equity Range Over the Past 10 Years
Min: -29.51  Med: 9.22 Max: 15.35
Current: 8.56
-29.51
15.35
Debt-to-EBITDA 5.70
NYSE:CURO's Debt-to-EBITDA is ranked higher than
100% of the 276 Companies
in the Global Credit Services industry.

( Industry Median: 6.81 vs. NYSE:CURO: 5.70 )
Ranked among companies with meaningful Debt-to-EBITDA only.
NYSE:CURO' s Debt-to-EBITDA Range Over the Past 10 Years
Min: 4.94  Med: 7.67 Max: 10.4
Current: 5.7
4.94
10.4
Interest Coverage 1.29
NYSE:CURO's Interest Coverage is ranked higher than
100% of the 380 Companies
in the Global Credit Services industry.

( Industry Median: 9.45 vs. NYSE:CURO: 1.29 )
Ranked among companies with meaningful Interest Coverage only.
NYSE:CURO' s Interest Coverage Range Over the Past 10 Years
Min: 0.55  Med: 1.12 Max: 1.68
Current: 1.29
0.55
1.68
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 : 3/10

vs
industry
vs
history
Operating Margin % 10.65
NYSE:CURO's Operating Margin % is ranked higher than
100% of the 414 Companies
in the Global Credit Services industry.

( Industry Median: 18.01 vs. NYSE:CURO: 10.65 )
Ranked among companies with meaningful Operating Margin % only.
NYSE:CURO' s Operating Margin % Range Over the Past 10 Years
Min: 4.8  Med: 9.41 Max: 14.01
Current: 10.65
4.8
14.01
Net Margin % 6.12
NYSE:CURO's Net Margin % is ranked higher than
100% of the 415 Companies
in the Global Credit Services industry.

( Industry Median: 12.72 vs. NYSE:CURO: 6.12 )
Ranked among companies with meaningful Net Margin % only.
NYSE:CURO' s Net Margin % Range Over the Past 10 Years
Min: 2.38  Med: 5.44 Max: 8.49
Current: 6.12
2.38
8.49
ROE % 157.98
NYSE:CURO's ROE % is ranked higher than
100% of the 412 Companies
in the Global Credit Services industry.

( Industry Median: 7.38 vs. NYSE:CURO: 157.98 )
Ranked among companies with meaningful ROE % only.
NYSE:CURO' s ROE % Range Over the Past 10 Years
Min: 157.98  Med: 609.55 Max: 609.55
Current: 157.98
157.98
609.55
ROA % 11.29
NYSE:CURO's ROA % is ranked higher than
100% of the 427 Companies
in the Global Credit Services industry.

( Industry Median: 2.26 vs. NYSE:CURO: 11.29 )
Ranked among companies with meaningful ROA % only.
NYSE:CURO' s ROA % Range Over the Past 10 Years
Min: 2.67  Med: 5.86 Max: 11.29
Current: 11.29
2.67
11.29
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» NYSE:CURO's 30-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

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Business Description

Industry: Credit Services » Credit Services    NAICS: 522291    SIC: 6159
Compare:MIL:MOL, HKSE:00508, HKSE:08469, NAS:EZPW, TSX:AD, BOM:524000, LSE:IPF, NAS:OCSL, NAS:MGI, NAS:WRLD, TSE:8511, OSL:AXA, NSE:UJJIVAN, NAS:HX, BOM:540749, ISX:ADMF, TSE:8519, NYSE:ENVA, ISX:BFIN, TSE:7172 » details
Headquarter Location:
CURO Group Holdings Corp is a consumer finance company. It offers a broad range of consumer finance products including unsecured installment loans, secured installment loans, open-end loans and single-pay loans.

CURO Group Holdings Corp is a consumer finance company. It offers a broad range of consumer finance products including unsecured installment loans, secured installment loans, open-end loans and single-pay loans. The company also provides ancillary financial products including check cashing, proprietary reloadable prepaid debit cards, credit protection insurance in the Canadian market, gold buying, retail installment sales and money transfer services. The firm serves a wide range of underbanked consumers in the United States, Canada and the United Kingdom. The majority of its revenue is derived from the United States.

Ratios

vs
industry
vs
history
PE Ratio 12.49
CURO's PE Ratio is ranked higher than
100% of the 331 Companies
in the Global Credit Services industry.

( Industry Median: 16.79 vs. CURO: 12.49 )
Ranked among companies with meaningful PE Ratio only.
CURO' s PE Ratio Range Over the Past 10 Years
Min: 0  Med: 0 Max: 13.12
Current: 12.49
0
13.12
PE Ratio without NRI 12.49
CURO's PE Ratio without NRI is ranked higher than
100% of the 329 Companies
in the Global Credit Services industry.

( Industry Median: 16.79 vs. CURO: 12.49 )
Ranked among companies with meaningful PE Ratio without NRI only.
CURO' s PE Ratio without NRI Range Over the Past 10 Years
Min: 0  Med: 0 Max: 13.12
Current: 12.49
0
13.12
PB Ratio 10.98
CURO's PB Ratio is ranked higher than
100% of the 405 Companies
in the Global Credit Services industry.

( Industry Median: 1.21 vs. CURO: 10.98 )
Ranked among companies with meaningful PB Ratio only.
CURO' s PB Ratio Range Over the Past 10 Years
Min: 0  Med: 0 Max: 11.03
Current: 10.98
0
11.03
EV-to-EBIT 13.30
CURO's EV-to-EBIT is ranked higher than
100% of the 345 Companies
in the Global Credit Services industry.

( Industry Median: 17.60 vs. CURO: 13.30 )
Ranked among companies with meaningful EV-to-EBIT only.
CURO' s EV-to-EBIT Range Over the Past 10 Years
Min: 0  Med: 0 Max: 13.35
Current: 13.3
0
13.35
EV-to-EBITDA 12.03
CURO's EV-to-EBITDA is ranked higher than
100% of the 350 Companies
in the Global Credit Services industry.

( Industry Median: 15.57 vs. CURO: 12.03 )
Ranked among companies with meaningful EV-to-EBITDA only.
CURO' s EV-to-EBITDA Range Over the Past 10 Years
Min: 0  Med: 0 Max: 12.07
Current: 12.03
0
12.07
EV-to-Revenue 1.42
CURO's EV-to-Revenue is ranked higher than
100% of the 408 Companies
in the Global Credit Services industry.

( Industry Median: 5.42 vs. CURO: 1.42 )
Ranked among companies with meaningful EV-to-Revenue only.
CURO' s EV-to-Revenue Range Over the Past 10 Years
Min: 0  Med: 0 Max: 0
Current: 1.42

Buy Back

vs
industry
vs
history

Valuation & Return

vs
industry
vs
history
Earnings Yield (Greenblatt) % 7.52
CURO's Earnings Yield (Greenblatt) % is ranked higher than
100% of the 430 Companies
in the Global Credit Services industry.

( Industry Median: 4.19 vs. CURO: 7.52 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
CURO' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 0  Med: 0 Max: 19.19
Current: 7.52
0
19.19

More Statistics

Revenue (TTM) (Mil) $841.41
EPS (TTM) $ 1.30
Short Percentage of Float0.08%
52-Week Range $13.50 - 16.43
Shares Outstanding (Mil)44.56

Piotroski F-Score Details

Piotroski F-Score: ----
Positive ROAN
Positive CFROAN
Higher ROA yoyN
CFROA > ROAN
Lower Leverage yoyN
Higher Current Ratio yoyN
Less Shares Outstanding yoyN
Higher Gross Margin yoyN
Higher Asset Turnover yoyN

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