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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 0.02
NICK's Cash-to-Debt is ranked lower than
88% of the 421 Companies
in the Global Credit Services industry.

( Industry Median: 2.52 vs. NICK: 0.02 )
Ranked among companies with meaningful Cash-to-Debt only.
NICK' s Cash-to-Debt Range Over the Past 10 Years
Min: 0  Med: 0.02 Max: 0.05
Current: 0.02
0
0.05
Equity-to-Asset 0.36
NICK's Equity-to-Asset is ranked lower than
61% of the 405 Companies
in the Global Credit Services industry.

( Industry Median: 0.45 vs. NICK: 0.36 )
Ranked among companies with meaningful Equity-to-Asset only.
NICK' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.16  Med: 0.36 Max: 0.55
Current: 0.36
0.16
0.55
Debt-to-Equity 1.70
NICK's Debt-to-Equity is ranked lower than
59% of the 221 Companies
in the Global Credit Services industry.

( Industry Median: 1.30 vs. NICK: 1.70 )
Ranked among companies with meaningful Debt-to-Equity only.
NICK' s Debt-to-Equity Range Over the Past 10 Years
Min: 0.22  Med: 1.57 Max: 4.72
Current: 1.7
0.22
4.72
Debt-to-EBITDA 14.63
NICK's Debt-to-EBITDA is ranked lower than
73% of the 276 Companies
in the Global Credit Services industry.

( Industry Median: 6.81 vs. NICK: 14.63 )
Ranked among companies with meaningful Debt-to-EBITDA only.
NICK' s Debt-to-EBITDA Range Over the Past 10 Years
Min: 2.71  Med: 5.39 Max: 14.63
Current: 14.63
2.71
14.63
Interest Coverage 0.29
NICK's Interest Coverage is ranked lower than
87% of the 380 Companies
in the Global Credit Services industry.

( Industry Median: 9.45 vs. NICK: 0.29 )
Ranked among companies with meaningful Interest Coverage only.
NICK' s Interest Coverage Range Over the Past 10 Years
Min: 0.29  Med: 3.89 Max: 7.39
Current: 0.29
0.29
7.39
Piotroski F-Score: 5
Altman Z-Score: 1.69
Beneish M-Score: -1.40
WACC vs ROIC
3.75%
0.54%
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 : 7/10

vs
industry
vs
history
Operating Margin % 3.11
NICK's Operating Margin % is ranked lower than
71% of the 414 Companies
in the Global Credit Services industry.

( Industry Median: 18.01 vs. NICK: 3.11 )
Ranked among companies with meaningful Operating Margin % only.
NICK' s Operating Margin % Range Over the Past 10 Years
Min: 3.11  Med: 31.17 Max: 44.9
Current: 3.11
3.11
44.9
Net Margin % 1.91
NICK's Net Margin % is ranked lower than
69% of the 415 Companies
in the Global Credit Services industry.

( Industry Median: 12.72 vs. NICK: 1.91 )
Ranked among companies with meaningful Net Margin % only.
NICK' s Net Margin % Range Over the Past 10 Years
Min: 1.91  Med: 19.37 Max: 27.6
Current: 1.91
1.91
27.6
ROE % 1.52
NICK's ROE % is ranked lower than
66% of the 412 Companies
in the Global Credit Services industry.

( Industry Median: 7.38 vs. NICK: 1.52 )
Ranked among companies with meaningful ROE % only.
NICK' s ROE % Range Over the Past 10 Years
Min: 1.52  Med: 12.86 Max: 17.74
Current: 1.52
1.52
17.74
ROA % 0.52
NICK's ROA % is ranked lower than
63% of the 427 Companies
in the Global Credit Services industry.

( Industry Median: 2.26 vs. NICK: 0.52 )
Ranked among companies with meaningful ROA % only.
NICK' s ROA % Range Over the Past 10 Years
Min: 0.52  Med: 5.54 Max: 8.89
Current: 0.52
0.52
8.89
ROC (Joel Greenblatt) % 4.04
NICK's ROC (Joel Greenblatt) % is ranked lower than
64% of the 336 Companies
in the Global Credit Services industry.

( Industry Median: 12.91 vs. NICK: 4.04 )
Ranked among companies with meaningful ROC (Joel Greenblatt) % only.
NICK' s ROC (Joel Greenblatt) % Range Over the Past 10 Years
Min: 4.04  Med: 12.77 Max: 43.97
Current: 4.04
4.04
43.97
3-Year Revenue Growth Rate 20.40
NICK's 3-Year Revenue Growth Rate is ranked higher than
73% of the 349 Companies
in the Global Credit Services industry.

( Industry Median: 7.00 vs. NICK: 20.40 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
NICK' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -7.2  Med: 11.6 Max: 55.9
Current: 20.4
-7.2
55.9
3-Year EBITDA Growth Rate -5.20
NICK's 3-Year EBITDA Growth Rate is ranked lower than
70% of the 306 Companies
in the Global Credit Services industry.

( Industry Median: 6.30 vs. NICK: -5.20 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
NICK' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -14.9  Med: 8.7 Max: 59
Current: -5.2
-14.9
59
3-Year EPS without NRI Growth Rate -20.20
NICK's 3-Year EPS without NRI Growth Rate is ranked lower than
80% of the 297 Companies
in the Global Credit Services industry.

( Industry Median: 7.40 vs. NICK: -20.20 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
NICK' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -23.6  Med: 16.9 Max: 77.7
Current: -20.2
-23.6
77.7
GuruFocus has detected 7 Warning Signs with Nicholas Financial Inc NICK.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» NICK's 30-Y Financials

Financials (Next Earnings Date: 2018-02-02)


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

» Details

Guru Trades

Q4 2016

NICK Guru Trades in Q4 2016

Jim Simons 541,229 sh (+5.05%)
» More
Q1 2017

NICK Guru Trades in Q1 2017

Jim Simons 544,829 sh (+0.67%)
» More
Q2 2017

NICK Guru Trades in Q2 2017

Jim Simons 530,329 sh (-2.66%)
» More
Q3 2017

NICK Guru Trades in Q3 2017

Jim Simons 522,929 sh (-1.40%)
» More
» Details

Insider Trades

Latest Guru Trades with NICK

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

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Business Description

Industry: Credit Services » Credit Services    NAICS: 522291    SIC: 7129
Compare:ISX:BBLD, BOM:508954, BOM:508969, BKK:LIT, BOM:532320, TSE:7183, TSX:ACD, NAS:CCCR, ASX:AXL, TSX:MOGO, HKSE:00668, XKLS:5228, HKSE:01152, HKSE:08215, LSE:PCF, HKSE:00730, BKK:IFS, MUS:MFCI, HKSE:01669, LSE:OPM » details
Headquarter Location:USA
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 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.

Top Ranked Articles about Nicholas Financial Inc

Nicholas Financial Announces Retirement of CEO, effective September 30, 2017
Magnolia Capital Invests in Nicholas Financial Insider buys a total of 73,765 shares in February
Magnolia Capital, 10% owner of Nicholas Financial Inc. (NASDAQ:NICK), has purchased 73,765 shares of the company so far in February, according to filings with the SEC. Read more...
Magnolia Capital Invests in Nicholas Financial Insider bought 206,603 shares
Magnolia Capital, 10% owner of Nicholas Financial Inc. (NASDAQ:NICK), purchased 206,603 shares of the company in 12 separate transactions in January. Read more...

Ratios

vs
industry
vs
history
PE Ratio 39.39
NICK's PE Ratio is ranked lower than
57% of the 331 Companies
in the Global Credit Services industry.

( Industry Median: 16.79 vs. NICK: 39.39 )
Ranked among companies with meaningful PE Ratio only.
NICK' s PE Ratio Range Over the Past 10 Years
Min: 3.58  Med: 8.63 Max: 42.38
Current: 39.39
3.58
42.38
PE Ratio without NRI 39.39
NICK's PE Ratio without NRI is ranked lower than
57% of the 329 Companies
in the Global Credit Services industry.

( Industry Median: 16.79 vs. NICK: 39.39 )
Ranked among companies with meaningful PE Ratio without NRI only.
NICK' s PE Ratio without NRI Range Over the Past 10 Years
Min: 3.54  Med: 8.61 Max: 42.38
Current: 39.39
3.54
42.38
PB Ratio 0.59
NICK's PB Ratio is ranked higher than
75% of the 405 Companies
in the Global Credit Services industry.

( Industry Median: 1.21 vs. NICK: 0.59 )
Ranked among companies with meaningful PB Ratio only.
NICK' s PB Ratio Range Over the Past 10 Years
Min: 0.25  Med: 1.04 Max: 1.76
Current: 0.59
0.25
1.76
PS Ratio 0.72
NICK's PS Ratio is ranked higher than
91% of the 401 Companies
in the Global Credit Services industry.

( Industry Median: 3.46 vs. NICK: 0.72 )
Ranked among companies with meaningful PS Ratio only.
NICK' s PS Ratio Range Over the Past 10 Years
Min: 0.4  Med: 1.76 Max: 3.34
Current: 0.72
0.4
3.34
Price-to-Free-Cash-Flow 2.33
NICK's Price-to-Free-Cash-Flow is ranked higher than
83% of the 92 Companies
in the Global Credit Services industry.

( Industry Median: 9.76 vs. NICK: 2.33 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
NICK' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 1  Med: 5.53 Max: 9.36
Current: 2.33
1
9.36
Price-to-Operating-Cash-Flow 2.31
NICK's Price-to-Operating-Cash-Flow is ranked higher than
82% of the 117 Companies
in the Global Credit Services industry.

( Industry Median: 8.50 vs. NICK: 2.31 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
NICK' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 0.98  Med: 5.43 Max: 9.16
Current: 2.31
0.98
9.16
EV-to-EBIT 20.15
NICK's EV-to-EBIT is ranked higher than
50% of the 345 Companies
in the Global Credit Services industry.

( Industry Median: 17.60 vs. NICK: 20.15 )
Ranked among companies with meaningful EV-to-EBIT only.
NICK' s EV-to-EBIT Range Over the Past 10 Years
Min: 6.1  Med: 8.9 Max: 20.5
Current: 20.15
6.1
20.5
EV-to-EBITDA 19.42
NICK's EV-to-EBITDA is ranked lower than
53% of the 350 Companies
in the Global Credit Services industry.

( Industry Median: 15.57 vs. NICK: 19.42 )
Ranked among companies with meaningful EV-to-EBITDA only.
NICK' s EV-to-EBITDA Range Over the Past 10 Years
Min: 6.1  Med: 8.8 Max: 19.7
Current: 19.42
6.1
19.7
EV-to-Revenue 2.81
NICK's EV-to-Revenue is ranked higher than
72% of the 408 Companies
in the Global Credit Services industry.

( Industry Median: 5.42 vs. NICK: 2.81 )
Ranked among companies with meaningful EV-to-Revenue only.
NICK' s EV-to-Revenue Range Over the Past 10 Years
Min: 2.3  Med: 3.5 Max: 5.6
Current: 2.81
2.3
5.6
Shiller PE Ratio 6.50
NICK's Shiller PE Ratio is ranked higher than
93% of the 56 Companies
in the Global Credit Services industry.

( Industry Median: 15.56 vs. NICK: 6.50 )
Ranked among companies with meaningful Shiller PE Ratio only.
NICK' s Shiller PE Ratio Range Over the Past 10 Years
Min: 2.58  Med: 10.62 Max: 18.5
Current: 6.5
2.58
18.5
Current Ratio 1.53
NICK's Current Ratio is ranked lower than
66% of the 200 Companies
in the Global Credit Services industry.

( Industry Median: 2.21 vs. NICK: 1.53 )
Ranked among companies with meaningful Current Ratio only.
NICK' s Current Ratio Range Over the Past 10 Years
Min: 1.41  Med: 1.79 Max: 2.13
Current: 1.53
1.41
2.13
Quick Ratio 1.53
NICK's Quick Ratio is ranked lower than
64% of the 200 Companies
in the Global Credit Services industry.

( Industry Median: 2.18 vs. NICK: 1.53 )
Ranked among companies with meaningful Quick Ratio only.
NICK' s Quick Ratio Range Over the Past 10 Years
Min: 1.41  Med: 1.79 Max: 2.13
Current: 1.53
1.41
2.13
Days Sales Outstanding 1.00
NICK's Days Sales Outstanding is ranked higher than
96% of the 201 Companies
in the Global Credit Services industry.

( Industry Median: 19.78 vs. NICK: 1.00 )
Ranked among companies with meaningful Days Sales Outstanding only.
NICK' s Days Sales Outstanding Range Over the Past 10 Years
Min: 0.03  Med: 1236.34 Max: 1338.29
Current: 1
0.03
1338.29

Buy Back

vs
industry
vs
history
3-Year Dividend Growth Rate -100.00
NICK's 3-Year Dividend Growth Rate is ranked lower than
86% of the 112 Companies
in the Global Credit Services industry.

( Industry Median: 4.90 vs. NICK: -100.00 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
NICK' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 0  Med: 0 Max: -100
Current: -100
5-Year Yield-on-Cost % 1.09
NICK's 5-Year Yield-on-Cost % is ranked lower than
77% of the 389 Companies
in the Global Credit Services industry.

( Industry Median: 3.39 vs. NICK: 1.09 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
NICK' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.24  Med: 2.28 Max: 3.7
Current: 1.09
0.24
3.7
3-Year Average Share Buyback Ratio 13.90
NICK's 3-Year Average Share Buyback Ratio is ranked higher than
99% of the 218 Companies
in the Global Credit Services industry.

( Industry Median: -2.50 vs. NICK: 13.90 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
NICK' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -9.7  Med: -1.6 Max: 13.9
Current: 13.9
-9.7
13.9

Valuation & Return

vs
industry
vs
history
Price-to-Net-Current-Asset-Value 0.65
NICK's Price-to-Net-Current-Asset-Value is ranked higher than
89% of the 108 Companies
in the Global Credit Services industry.

( Industry Median: 2.44 vs. NICK: 0.65 )
Ranked among companies with meaningful Price-to-Net-Current-Asset-Value only.
NICK' s Price-to-Net-Current-Asset-Value Range Over the Past 10 Years
Min: 0.35  Med: 1.14 Max: 1.57
Current: 0.65
0.35
1.57
Price-to-Tangible-Book 0.59
NICK's Price-to-Tangible-Book is ranked higher than
76% of the 398 Companies
in the Global Credit Services industry.

( Industry Median: 1.28 vs. NICK: 0.59 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
NICK' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.29  Med: 1.13 Max: 2.53
Current: 0.59
0.29
2.53
Price-to-Intrinsic-Value-Projected-FCF 0.19
NICK's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
97% of the 90 Companies
in the Global Credit Services industry.

( Industry Median: 1.16 vs. NICK: 0.19 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
NICK' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.12  Med: 0.42 Max: 0.91
Current: 0.19
0.12
0.91
Price-to-Median-PS-Value 0.41
NICK's Price-to-Median-PS-Value is ranked higher than
86% of the 376 Companies
in the Global Credit Services industry.

( Industry Median: 1.01 vs. NICK: 0.41 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
NICK' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.26  Med: 0.84 Max: 2.09
Current: 0.41
0.26
2.09
Price-to-Graham-Number 1.02
NICK's Price-to-Graham-Number is ranked higher than
65% of the 202 Companies
in the Global Credit Services industry.

( Industry Median: 0.95 vs. NICK: 1.02 )
Ranked among companies with meaningful Price-to-Graham-Number only.
NICK' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.26  Med: 0.62 Max: 1.31
Current: 1.02
0.26
1.31
Earnings Yield (Greenblatt) % 4.97
NICK's Earnings Yield (Greenblatt) % is ranked higher than
60% of the 430 Companies
in the Global Credit Services industry.

( Industry Median: 4.19 vs. NICK: 4.97 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
NICK' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 4.9  Med: 11.2 Max: 16.3
Current: 4.97
4.9
16.3
Forward Rate of Return (Yacktman) % 24.54
NICK's Forward Rate of Return (Yacktman) % is ranked higher than
78% of the 152 Companies
in the Global Credit Services industry.

( Industry Median: 9.02 vs. NICK: 24.54 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
NICK' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: 12.5  Med: 23.4 Max: 76.4
Current: 24.54
12.5
76.4

More Statistics

Revenue (TTM) (Mil) $88.44
EPS (TTM) $ 0.21
Beta0.80
Short Percentage of Float1.06%
52-Week Range $7.65 - 12.50
Shares Outstanding (Mil)7.88

Piotroski F-Score Details

Piotroski F-Score: 55
Positive ROAY
Positive CFROAY
Higher ROA yoyN
CFROA > ROAY
Lower Leverage yoyY
Higher Current Ratio yoyY
Less Shares Outstanding yoyN
Higher Gross Margin yoyN
Higher Asset Turnover yoyN

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