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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 : 3/10

vs
industry
vs
history
Cash-to-Debt 0.18
CURO's Cash-to-Debt is ranked lower than
68% of the 449 Companies
in the Global Credit Services industry.

( Industry Median: 8.43 vs. CURO: 0.18 )
Ranked among companies with meaningful Cash-to-Debt only.
CURO' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.17  Med: 0.21 Max: 0.31
Current: 0.18
0.17
0.31
Equity-to-Asset 0.06
CURO's Equity-to-Asset is ranked lower than
96% of the 413 Companies
in the Global Credit Services industry.

( Industry Median: 0.43 vs. CURO: 0.06 )
Ranked among companies with meaningful Equity-to-Asset only.
CURO' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.01  Med: 0.06 Max: 0.09
Current: 0.06
0.01
0.09
Debt-to-Equity 11.90
CURO's Debt-to-Equity is ranked lower than
96% of the 220 Companies
in the Global Credit Services industry.

( Industry Median: 1.40 vs. CURO: 11.90 )
Ranked among companies with meaningful Debt-to-Equity only.
CURO' s Debt-to-Equity Range Over the Past 10 Years
Min: -29.51  Med: 11.9 Max: 99.3
Current: 11.9
-29.51
99.3
Debt-to-EBITDA 0.66
CURO's Debt-to-EBITDA is ranked lower than
55% of the 283 Companies
in the Global Credit Services industry.

( Industry Median: 6.70 vs. CURO: 0.66 )
Ranked among companies with meaningful Debt-to-EBITDA only.
CURO' s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0  Med: 0 Max: 0.66
Current: 0.66
0
0.66
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 : 2/10

vs
industry
vs
history
Net Margin % 5.84
CURO's Net Margin % is ranked lower than
66% of the 438 Companies
in the Global Credit Services industry.

( Industry Median: 13.22 vs. CURO: 5.84 )
Ranked among companies with meaningful Net Margin % only.
CURO' s Net Margin % Range Over the Past 10 Years
Min: 2.38  Med: 5.58 Max: 8.56
Current: 5.84
2.38
8.56
ROE % 123.44
CURO's ROE % is ranked higher than
99% of the 436 Companies
in the Global Credit Services industry.

( Industry Median: 6.88 vs. CURO: 123.44 )
Ranked among companies with meaningful ROE % only.
CURO' s ROE % Range Over the Past 10 Years
Min: 123.44  Med: 407.2 Max: 609.55
Current: 123.44
123.44
609.55
ROA % 6.99
CURO's ROA % is ranked higher than
77% of the 453 Companies
in the Global Credit Services industry.

( Industry Median: 2.32 vs. CURO: 6.99 )
Ranked among companies with meaningful ROA % only.
CURO' s ROA % Range Over the Past 10 Years
Min: 2.67  Med: 5.99 Max: 9.05
Current: 6.99
2.67
9.05
GuruFocus has detected 1 Warning Sign with CURO Group Holdings Corp CURO.
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» CURO's 30-Y Financials

Financials


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

» Details

Guru Trades

CURO Guru Trades in

CURO Guru Trades in

Q1 2018

CURO Guru Trades in Q1 2018

Chuck Royce 502 sh (New)
» More
Q2 2018

CURO Guru Trades in Q2 2018

Leon Cooperman 50,000 sh (New)
Chuck Royce 1,159 sh (+130.88%)
» More
» Details

Insider Trades

Latest Guru Trades with CURO

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Leon Cooperman 2018-06-30 New Buy0.04%$17 - $26.11 $ 24.1110%50,000
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
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Business Description

Industry: Credit Services » Credit Services    NAICS: 522291    SIC: 6159
Compare:HKSE:00508, HKSE:08469, TSE:8584, BOM:539844, XKLS:5139, NYSE:ENVA, LSE:IPF, XTER:FRU, ASX:CCP, NAS:EZPW, OSTO:COLL, BKK:THANI, ISX:BFIN, NYSE:AGM, ISX:ADMF, NSE:UJJIVAN, SGX:S41, NAS:WRLD, BOM:532938, NAS:OCSL » details
Traded in other countries:CGE.Germany,
Headquarter Location:USA
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 18.11
CURO's PE Ratio is ranked higher than
67% of the 343 Companies
in the Global Credit Services industry.

( Industry Median: 16.14 vs. CURO: 18.11 )
Ranked among companies with meaningful PE Ratio only.
CURO' s PE Ratio Range Over the Past 10 Years
Min: 16.85  Med: 21.35 Max: 34.18
Current: 18.11
16.85
34.18
Forward PE Ratio 6.63
CURO's Forward PE Ratio is ranked higher than
84% of the 64 Companies
in the Global Credit Services industry.

( Industry Median: 12.50 vs. CURO: 6.63 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 18.11
CURO's PE Ratio without NRI is ranked higher than
67% of the 339 Companies
in the Global Credit Services industry.

( Industry Median: 16.11 vs. CURO: 18.11 )
Ranked among companies with meaningful PE Ratio without NRI only.
CURO' s PE Ratio without NRI Range Over the Past 10 Years
Min: 16.85  Med: 21.35 Max: 34.18
Current: 18.11
16.85
34.18
PB Ratio 20.87
CURO's PB Ratio is ranked lower than
100% of the 418 Companies
in the Global Credit Services industry.

( Industry Median: 1.19 vs. CURO: 20.87 )
Ranked among companies with meaningful PB Ratio only.
CURO' s PB Ratio Range Over the Past 10 Years
Min: 18.04  Med: 24.54 Max: 108.94
Current: 20.87
18.04
108.94
PS Ratio 1.14
CURO's PS Ratio is ranked higher than
82% of the 414 Companies
in the Global Credit Services industry.

( Industry Median: 3.46 vs. CURO: 1.14 )
Ranked among companies with meaningful PS Ratio only.
CURO' s PS Ratio Range Over the Past 10 Years
Min: 0.71  Med: 1.11 Max: 1.5
Current: 1.14
0.71
1.5
EV-to-Revenue 1.68
CURO's EV-to-Revenue is ranked higher than
87% of the 425 Companies
in the Global Credit Services industry.

( Industry Median: 5.35 vs. CURO: 1.68 )
Ranked among companies with meaningful EV-to-Revenue only.
CURO' s EV-to-Revenue Range Over the Past 10 Years
Min: 1.3  Med: 1.7 Max: 2.1
Current: 1.68
1.3
2.1

Buy Back

vs
industry
vs
history

Valuation & Return

vs
industry
vs
history
Price-to-Median-PS-Value 1.05
CURO's Price-to-Median-PS-Value is ranked lower than
99.99% of the 366 Companies
in the Global Credit Services industry.

( Industry Median: 1.00 vs. CURO: 1.05 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
CURO' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.65  Med: 0.77 Max: 1.1
Current: 1.05
0.65
1.1

More Statistics

Revenue (TTM) (Mil) $949.20
EPS (TTM) $ 1.33
52-Week Range $13.50 - 32.20
Shares Outstanding (Mil)45.77

Analyst Estimate

Dec18 Dec19
Revenue (Mil $) 1,084 1,247
EBIT (Mil $)
EBITDA (Mil $)
EPS ($) 2.45 3.60
EPS without NRI ($) 2.45 3.60
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($)

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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