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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 0.01
NICK's Cash-to-Debt is ranked lower than
95% of the 414 Companies
in the Global Credit Services industry.

( Industry Median: 1.44 vs. NICK: 0.01 )
Ranked among companies with meaningful Cash-to-Debt only.
NICK' s Cash-to-Debt Range Over the Past 10 Years
Min: 0  Med: 0.01 Max: 0.03
Current: 0.01
0
0.03
Equity-to-Asset 0.33
NICK's Equity-to-Asset is ranked lower than
56% of the 317 Companies
in the Global Credit Services industry.

( Industry Median: 0.39 vs. NICK: 0.33 )
Ranked among companies with meaningful Equity-to-Asset only.
NICK' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.16  Med: 0.32 Max: 0.53
Current: 0.33
0.16
0.53
Interest Coverage 0.95
NICK's Interest Coverage is ranked lower than
81% of the 377 Companies
in the Global Credit Services industry.

( Industry Median: 11.93 vs. NICK: 0.95 )
Ranked among companies with meaningful Interest Coverage only.
NICK' s Interest Coverage Range Over the Past 10 Years
Min: 0.95  Med: 3.89 Max: 7.39
Current: 0.95
0.95
7.39
Piotroski F-Score: 5
Altman Z-Score: 1.61
Beneish M-Score: -1.35
WACC vs ROIC
3.86%
1.72%
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 % 9.66
NICK's Operating Margin % is ranked lower than
64% of the 407 Companies
in the Global Credit Services industry.

( Industry Median: 17.78 vs. NICK: 9.66 )
Ranked among companies with meaningful Operating Margin % only.
NICK' s Operating Margin % Range Over the Past 10 Years
Min: 9.66  Med: 31.17 Max: 44.9
Current: 9.66
9.66
44.9
Net Margin % 5.98
NICK's Net Margin % is ranked lower than
67% of the 406 Companies
in the Global Credit Services industry.

( Industry Median: 12.96 vs. NICK: 5.98 )
Ranked among companies with meaningful Net Margin % only.
NICK' s Net Margin % Range Over the Past 10 Years
Min: 5.98  Med: 19.37 Max: 27.6
Current: 5.98
5.98
27.6
ROE % 4.98
NICK's ROE % is ranked lower than
63% of the 405 Companies
in the Global Credit Services industry.

( Industry Median: 8.10 vs. NICK: 4.98 )
Ranked among companies with meaningful ROE % only.
NICK' s ROE % Range Over the Past 10 Years
Min: 4.98  Med: 12.86 Max: 17.74
Current: 4.98
4.98
17.74
ROA % 1.63
NICK's ROA % is ranked lower than
60% of the 418 Companies
in the Global Credit Services industry.

( Industry Median: 2.58 vs. NICK: 1.63 )
Ranked among companies with meaningful ROA % only.
NICK' s ROA % Range Over the Past 10 Years
Min: 1.63  Med: 5.54 Max: 8.89
Current: 1.63
1.63
8.89
ROC (Joel Greenblatt) % 5.76
NICK's ROC (Joel Greenblatt) % is ranked lower than
67% of the 326 Companies
in the Global Credit Services industry.

( Industry Median: 15.44 vs. NICK: 5.76 )
Ranked among companies with meaningful ROC (Joel Greenblatt) % only.
NICK' s ROC (Joel Greenblatt) % Range Over the Past 10 Years
Min: 5.76  Med: 12.77 Max: 43.97
Current: 5.76
5.76
43.97
3-Year Revenue Growth Rate 20.40
NICK's 3-Year Revenue Growth Rate is ranked higher than
76% of the 290 Companies
in the Global Credit Services industry.

( Industry Median: 6.50 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
68% of the 251 Companies
in the Global Credit Services industry.

( Industry Median: 5.50 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 244 Companies
in the Global Credit Services industry.

( Industry Median: 5.20 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 9 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: 2017-07-28 Est.)


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

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Business Description

Industry: Credit Services » Credit Services    NAICS: 522291    SIC: 7129
Compare:OTCPK:MOGOF, NAS:ASFI, NAS:CCCR, OTCPK:ACCFF, NAS:MFIN, NAS:LOAN, NAS:ATLC, OTCPK:LTMP, NAS:SNFCA, NAS:CPSS, NAS:FPAY, NAS:LMFA, OTCPK:IEGH, NAS:CLDC, OTCPK:NXCN, OTCPK:FASGF, OTCPK:JGWE, OTCPK:HTZZF, OTCPK:CCGN, NYSE:RM » 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 Canadian holding company incorporated under the laws of British Columbia in 1986. The Company, through its subsidiaries, operates as a specialized consumer finance company in the United States. It is engaged in acquiring and servicing contracts for purchases of new and used automobiles and light trucks, as well as makes direct loans and sells consumer-finance related products. The Company is also involved in the development, marketing, and support of industry-specific computer application software for small businesses. The Company's financing operations are subject to regulation, supervision and licensing under various federal, state and local statutes and ordinances.

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 12.68
NICK's PE Ratio is ranked higher than
61% of the 335 Companies
in the Global Credit Services industry.

( Industry Median: 15.81 vs. NICK: 12.68 )
Ranked among companies with meaningful PE Ratio only.
NICK' s PE Ratio Range Over the Past 10 Years
Min: 3.58  Med: 8.64 Max: 15.78
Current: 12.68
3.58
15.78
PE Ratio without NRI 12.68
NICK's PE Ratio without NRI is ranked higher than
62% of the 336 Companies
in the Global Credit Services industry.

( Industry Median: 16.05 vs. NICK: 12.68 )
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: 8.62 Max: 15.78
Current: 12.68
3.54
15.78
Price-to-Owner-Earnings 18.10
NICK's Price-to-Owner-Earnings is ranked lower than
57% of the 97 Companies
in the Global Credit Services industry.

( Industry Median: 14.00 vs. NICK: 18.10 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
NICK' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 5.03  Med: 8.63 Max: 22.5
Current: 18.1
5.03
22.5
PB Ratio 0.63
NICK's PB Ratio is ranked higher than
82% of the 313 Companies
in the Global Credit Services industry.

( Industry Median: 1.35 vs. NICK: 0.63 )
Ranked among companies with meaningful PB Ratio only.
NICK' s PB Ratio Range Over the Past 10 Years
Min: 0.25  Med: 1.07 Max: 2.31
Current: 0.63
0.25
2.31
PS Ratio 0.75
NICK's PS Ratio is ranked higher than
91% of the 393 Companies
in the Global Credit Services industry.

( Industry Median: 3.85 vs. NICK: 0.75 )
Ranked among companies with meaningful PS Ratio only.
NICK' s PS Ratio Range Over the Past 10 Years
Min: 0.4  Med: 1.82 Max: 3.34
Current: 0.75
0.4
3.34
Price-to-Free-Cash-Flow 2.53
NICK's Price-to-Free-Cash-Flow is ranked higher than
83% of the 82 Companies
in the Global Credit Services industry.

( Industry Median: 7.81 vs. NICK: 2.53 )
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: 5.83 Max: 9.36
Current: 2.53
1
9.36
Price-to-Operating-Cash-Flow 2.46
NICK's Price-to-Operating-Cash-Flow is ranked higher than
83% of the 103 Companies
in the Global Credit Services industry.

( Industry Median: 8.91 vs. NICK: 2.46 )
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: 5.72 Max: 9.16
Current: 2.46
0.98
9.16
EV-to-EBIT 15.49
NICK's EV-to-EBIT is ranked higher than
57% of the 345 Companies
in the Global Credit Services industry.

( Industry Median: 19.63 vs. NICK: 15.49 )
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: 16.4
Current: 15.49
6.1
16.4
EV-to-EBITDA 15.08
NICK's EV-to-EBITDA is ranked higher than
54% of the 349 Companies
in the Global Credit Services industry.

( Industry Median: 16.08 vs. NICK: 15.08 )
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: 15.9
Current: 15.08
6.1
15.9
Shiller PE Ratio 6.71
NICK's Shiller PE Ratio is ranked higher than
89% of the 54 Companies
in the Global Credit Services industry.

( Industry Median: 15.31 vs. NICK: 6.71 )
Ranked among companies with meaningful Shiller PE Ratio only.
NICK' s Shiller PE Ratio Range Over the Past 10 Years
Min: 2.58  Med: 10.9 Max: 22.63
Current: 6.71
2.58
22.63
Current Ratio 1.47
NICK's Current Ratio is ranked lower than
71% of the 317 Companies
in the Global Credit Services industry.

( Industry Median: 3.23 vs. NICK: 1.47 )
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: 2.05
Current: 1.47
1.41
2.05
Quick Ratio 1.47
NICK's Quick Ratio is ranked lower than
68% of the 316 Companies
in the Global Credit Services industry.

( Industry Median: 2.91 vs. NICK: 1.47 )
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: 2.05
Current: 1.47
1.41
2.05
Days Sales Outstanding 1.00
NICK's Days Sales Outstanding is ranked higher than
92% of the 167 Companies
in the Global Credit Services industry.

( Industry Median: 13.39 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
85% of the 110 Companies
in the Global Credit Services industry.

( Industry Median: 5.30 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
78% of the 379 Companies
in the Global Credit Services industry.

( Industry Median: 3.28 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 14.00
NICK's 3-Year Average Share Buyback Ratio is ranked higher than
99% of the 206 Companies
in the Global Credit Services industry.

( Industry Median: -1.20 vs. NICK: 14.00 )
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: 14
Current: 14
-9.7
14

Valuation & Return

vs
industry
vs
history
Price-to-Net-Current-Asset-Value 0.69
NICK's Price-to-Net-Current-Asset-Value is ranked higher than
83% of the 188 Companies
in the Global Credit Services industry.

( Industry Median: 2.30 vs. NICK: 0.69 )
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: 1.26 Max: 1.52
Current: 0.69
0.35
1.52
Price-to-Tangible-Book 0.63
NICK's Price-to-Tangible-Book is ranked higher than
83% of the 306 Companies
in the Global Credit Services industry.

( Industry Median: 1.49 vs. NICK: 0.63 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
NICK' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.32  Med: 1.17 Max: 2.53
Current: 0.63
0.32
2.53
Price-to-Intrinsic-Value-Projected-FCF 0.16
NICK's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
98% of the 88 Companies
in the Global Credit Services industry.

( Industry Median: 1.02 vs. NICK: 0.16 )
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: 0.47 Max: 0.92
Current: 0.16
0.12
0.92
Price-to-Median-PS-Value 0.41
NICK's Price-to-Median-PS-Value is ranked higher than
89% of the 374 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: 0.28  Med: 0.78 Max: 2.03
Current: 0.41
0.28
2.03
Price-to-Graham-Number 0.59
NICK's Price-to-Graham-Number is ranked higher than
80% of the 291 Companies
in the Global Credit Services industry.

( Industry Median: 1.07 vs. NICK: 0.59 )
Ranked among companies with meaningful Price-to-Graham-Number only.
NICK' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.29  Med: 0.65 Max: 1.3
Current: 0.59
0.29
1.3
Earnings Yield (Greenblatt) % 6.46
NICK's Earnings Yield (Greenblatt) % is ranked higher than
65% of the 419 Companies
in the Global Credit Services industry.

( Industry Median: 3.76 vs. NICK: 6.46 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
NICK' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 6.1  Med: 11.2 Max: 16.3
Current: 6.46
6.1
16.3
Forward Rate of Return (Yacktman) % 27.73
NICK's Forward Rate of Return (Yacktman) % is ranked higher than
78% of the 134 Companies
in the Global Credit Services industry.

( Industry Median: 10.33 vs. NICK: 27.73 )
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 Max: 76.1
Current: 27.73
12.5
76.1

More Statistics

Revenue (TTM) (Mil) $90.47
EPS (TTM) $ 0.69
Beta0.92
Short Percentage of Float1.12%
52-Week Range $7.65 - 12.50
Shares Outstanding (Mil)7.80
» More Articles for NICK

Headlines

Articles On GuruFocus.com
Nicholas Financial Announces Retirement of CEO, effective September 30, 2017 Jun 12 2017 
Undervalued Stocks With Growing Book Values Mar 21 2017 
7 Undervalued Stocks With Growing EPS Feb 23 2017 
Magnolia Capital Invests in Nicholas Financial Feb 23 2017 
Nicholas Financial Insider Invests in Company Jan 30 2017 
6 Bargain Stocks With Strong Returns Sep 07 2016 
Notes on Credit Acceptance Corp Jul 25 2016 
Wide Margins of Safety for These Stocks May 31 2016 
Growing EPS With Wide Margins of Safety May 26 2016 
Blue Tower Asset Management 2Q Letter Aug 20 2015 

More From Other Websites
ETFs with exposure to Nicholas Financial, Inc. : June 20, 2017 Jun 20 2017
Nicholas Financial, Inc. :NICK-US: Earnings Analysis: Q4, 2017 By the Numbers : June 19, 2017 Jun 19 2017
Why there will be a change in leadership at a $91M Clearwater financial firm Jun 12 2017
Nicholas Financial Announces Retirement of CEO, effective September 30, 2017 Jun 12 2017
Nicholas Financial reports 4Q loss May 17 2017
Nicholas Financial Reports 4th Quarter Results May 17 2017
ETFs with exposure to Nicholas Financial, Inc. : April 13, 2017 Apr 13 2017
Clearwater finance firm draws hedge fund interest Mar 21 2017
Nicholas Financial, Inc. :NICK-US: Earnings Analysis: Q3, 2017 By the Numbers : March 14, 2017 Mar 14 2017
7 Undervalued Stocks With Growing EPS Feb 23 2017
Magnolia Capital Invests in Nicholas Financial Feb 23 2017
Nicholas Financial posts 3Q profit Feb 02 2017
ETF’s with exposure to Nicholas Financial, Inc. : November 4, 2016 Nov 04 2016
Nicholas Financial, Inc. :NICK-US: Earnings Analysis: Q2, 2017 By the Numbers : November 3, 2016 Nov 03 2016
Subprime Auto Delinquency Rates on the Rise (NICK, CPSS) Oct 06 2016
ETF’s with exposure to Nicholas Financial, Inc. : October 3, 2016 Oct 03 2016

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