0.65%
0.00%
-2.21%
-8.30%
37.25%
-47.94%
-28.19%
AI Spotlight on NICK
Company Description
Nicholas Financial, Inc.operates as a consumer finance company in the United States.The company engages in acquiring and servicing automobile finance installment contracts for the purchase of new and used automobiles and light trucks.
It also originates direct consumer loans and sells consumer-finance related products.As of March 31, 2022, the company operated 47 branch offices located in Alabama, Florida, Georgia, Idaho, Illinois, Indiana, Kentucky, Michigan, Missouri, Nevada, North Carolina, Nevada, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, Utah, and Wisconsin.Nicholas Financial, Inc.
was founded in 1985 and is headquartered in Clearwater, Florida.
Market Data
| Last Price | 6.19 |
| Change Percentage | -0.16% |
| Open | 6.07 |
| Previous Close | 6.2 |
| Market Cap ( Millions) | 45 |
| Volume | 4554 |
| Year High | 7.55 |
| Year Low | 4.37 |
| M A 50 | 6.09 |
| M A 200 | 6.56 |
Financial Ratios
| FCF Yield | -0.30% |
| Dividend Yield | 0.00% |
| ROE | -42.42% |
| Debt / Equity | 0.23% |
| Net Debt / EBIDTA | 0.00% |
| Price To Book | 0.79 |
| Price Earnings Ratio | -1.63 |
| Price To FCF | -334.72 |
| Price To sales | 2.89 |
| EV / EBITDA | 0 |
News
- Jun -11 - NICK HALL LEADS ‘AMAZING GRACE' WITH HUGE CROWD IN TIMES SQUARE, PROPELLING ANTHEM OF GRACE CAMPAIGN FURTHER DURING JESUS WEEK EVENT
- Oct -10 - Shareholders in AlzChem Group (ETR:ACT) are in the red if they invested five years ago
- Sep -22 - Olive Garden parent Darden stands by outlook after mixed quarterly results
- Jun -11 - Nicholas Financial's Boise, Idaho Grand Opening
- Jun -02 - Nicholas Financial Reports 4th Quarter and Fiscal Year 2021 Results
- Mar -08 - Nicholas Financial's Salt Lake City Grand Opening
- Feb -03 - Nicholas Financial Reports 3rd Quarter Fiscal Year 2021 Results
- Jan -25 - Nicholas Financial's Milwaukee Grand Opening
- Dec -11 - Nicholas Financial's Columbia Grand Opening
- Nov -27 - Is Nicholas Financial (NICK) A Good Stock To Buy?
- Nov -13 - Nicholas Financial's Las Vegas Grand Opening
- Oct -30 - Nicholas Financial Reports 2nd Quarter Fiscal Year 2021 Results
- Aug -05 - What Type Of Returns Would Nicholas Financial's(NASDAQ:NICK) Shareholders Have Earned If They Purchased Their SharesFive Years Ago?
- Aug -05 - Nicholas Financial, Inc. Announces New Company Logo and 35th Anniversary
- Jul -30 - Nicholas Financial Reports 1st Quarter Fiscal Year 2021 Results
- Jul -11 - HVS 2Q20: Interview With Blue Tower’s Andrew Oskoui
- Jul -09 - Nicholas Financial, Inc. Announces Irina Nashtatik as Chief Financial Officer (CFO)
- Jun -04 - Nicholas Financial Reports 4th Quarter and Fiscal Year 2020 Results
- May -29 - Here is What Hedge Funds Think About Nicholas Financial, Inc. (NICK)
- Apr -14 - These companies have laid off or furloughed employees in Tampa Bay because of coronavirus
Business Breakdown
Expected Mid-Term Growth
Segment n°1 -> Consumer Finance
Expected Growth : 10.0 %
What the company do ?
Consumer Finance from Nicholas Financial, Inc. provides financing solutions for individuals to purchase vehicles, offering flexible payment plans and competitive interest rates.
Why we expect these perspectives ?
Nicholas Financial, Inc.'s 10.0% growth in Consumer Finance is driven by increasing demand for personal loans, expansion into new markets, and strategic partnerships. Additionally, the company's focus on digital lending platforms and cost-effective operations have improved efficiency and reduced costs, contributing to the segment's growth.
Nicholas Financial, Inc. Products
| Product Range | What is it ? |
|---|---|
| Consumer Loans | Nicholas Financial, Inc. offers consumer loans to individuals for various personal and financial needs. |
| Dealer Financing | The company provides financing options to dealerships for purchasing vehicles, allowing them to manage their inventory and cash flow. |
| Retail Financing | Nicholas Financial, Inc. offers financing options to retailers, enabling them to provide financing options to their customers. |
| Portfolio Acquisitions | The company acquires and manages portfolios of loans and leases from other financial institutions and companies. |
Nicholas Financial, Inc.'s Porter Forces
Threat Of Substitutes
The threat of substitutes for Nicholas Financial, Inc. is medium due to the presence of alternative financial institutions and online lending platforms that offer similar services.
Bargaining Power Of Customers
The bargaining power of customers is low due to the specialized nature of Nicholas Financial, Inc.'s services, which limits the ability of customers to negotiate prices.
Bargaining Power Of Suppliers
The bargaining power of suppliers is medium due to the presence of multiple suppliers of financial services and technology, which gives Nicholas Financial, Inc. some negotiating power.
Threat Of New Entrants
The threat of new entrants is high due to the relatively low barriers to entry in the financial services industry, which makes it easier for new companies to enter the market.
Intensity Of Rivalry
The intensity of rivalry is high due to the presence of multiple competitors in the financial services industry, which leads to intense competition for market share.
Capital Structure
| Value | |
|---|---|
| Debt Weight | 26.73% |
| Debt Cost | 8.37% |
| Equity Weight | 73.27% |
| Equity Cost | 8.37% |
| WACC | 8.37% |
| Leverage | 36.48% |
Nicholas Financial, Inc. : Quality Control
Nicholas Financial, Inc. passed 3 out of 9 key points:
Historical Valuation
Price/Earnings Ratio
Margin Valuation
Peers Valuation
Competitors
| Company | Rational |
|---|---|
| PMTS | CPI Card Group Inc., together with its subsidiaries, engages in the design, production, data personalization, packaging, and fulfillment of financial payment cards. It operates through Debit and Credit, and Prepaid … |
| LC | LendingClub Corporation, operates as a bank holding company for LendingClub Bank, National Association that provides range of financial products and services through a technology-driven platform in the United States. The … |
| NRDS | NerdWallet, Inc. operates a digital platform that provides consumer-driven advice about personal finance by connecting individuals and small and mid-sized businesses with financial products providers. The company's platform offers guidance … |
| MCVT | Mill City Ventures III, Ltd. is a principal investment firm specializing investments in debt and equity securities of public and private companies to fund their operations whether its start-up, acquisition, … |
| ATLC | Atlanticus Holdings Corporation provides credit and related financial services and products to customers the United States. It operates in two segments, Credit as a Service, and Auto Finance. The Credit … |
Peers Metrics
DCF BETA
Expected Cash-Flows
Scoring Insights
Peers Group Analysis
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Atlanticus
A-Score
1-Year Total Return ->
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LendingClub
A-Score
1-Year Total Return ->
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CPI Card Group
A-Score
1-Year Total Return ->
4
Nicholas Financial
A-Score
1-Year Total Return ->
5
NerdWallet
A-Score
1-Year Total Return ->
6
