Nicholas Financial, Inc.

How big is Nicholas Financial, Inc.?

As of Jun 18, Nicholas Financial, Inc. has a market capitalization of 60.68 million, with net sales of 10.29 million and a net profit of -7.20 million over the latest four quarters. The company reported shareholder's funds of 58.84 million and total assets of 59.86 million as of Mar 24.

Market Cap: As of Jun 18, Nicholas Financial, Inc. has a market capitalization of 60.68 million, categorizing it as a Micro Cap company.<BR><BR>Recent Quarterly Performance: For the latest four quarters, Nicholas Financial, Inc. reported net sales of 10.29 million and a net profit of -7.20 million.<BR><BR>Balance Sheet Snapshot: As of Mar 24, the company reported shareholder's funds of 58.84 million and total assets of 59.86 million.

What does Nicholas Financial, Inc. do?

Nicholas Financial, Inc. is a micro-cap consumer finance company that specializes in acquiring and servicing automobile finance installment contracts. As of December 2024, it reported net sales of $3 million and a market cap of $60.68 million.

Overview:<BR>Nicholas Financial, Inc. is a specialized consumer finance company engaged primarily in acquiring and servicing automobile finance installment contracts, operating within the finance industry and categorized as a micro-cap company.<BR><BR>Financial Snapshot:<BR>Most recent Net Sales: 3 Million (Quarterly Results - Dec 2024) <BR>Most recent Net Profit: 0 Million (Quarterly Results - Dec 2024) <BR>Market-cap: USD 60.68 Million (Micro Cap)<BR><BR>Key Metrics:<BR>P/E: NA (Loss Making) <BR>Industry P/E: NA <BR>Dividend Yield: 0.00% <BR>Debt Equity: -999,999.00 <BR>Return on Equity: -11.34% <BR>Price to Book: 1.12<BR><BR>Contact Details:<BR>Address: 2454 N McMullen Booth Rd Bldg C Ste 501B, CLEARWATER FL: 33759-1341 <BR>Tel: 1 727 7260763 <BR>Fax: 1 727 7262140 <BR>Website: https://www.nicholasfinancial.com/

Who are in the management team of Nicholas Financial, Inc.?

As of March 2022, the management team of Nicholas Financial, Inc. includes Mr. Jeffrey Royal (Independent Chairman), Mr. Douglas Marohn (President and CEO), Mr. Jeremy Zhu (Founder and Independent Director), Mr. Adam Peterson (Director), and Mr. Robin Hastings (Independent Director). They are responsible for the company's governance and strategic direction.

As of March 2022, the management team of Nicholas Financial, Inc. includes the following individuals:<BR><BR>- Mr. Jeffrey Royal, who serves as the Independent Chairman of the Board.<BR>- Mr. Douglas Marohn, who is the President, Chief Executive Officer, Corporate Secretary, and a Director.<BR>- Mr. Jeremy Zhu, the Founder and an Independent Director.<BR>- Mr. Adam Peterson, who is a Director.<BR>- Mr. Robin Hastings, an Independent Director. <BR><BR>This team plays a crucial role in the governance and strategic direction of the company.

Should I buy, sell or hold Nicholas Financial, Inc.?

Is Nicholas Financial, Inc. overvalued or undervalued?

As of July 29, 2022, Nicholas Financial, Inc. is considered overvalued and risky, with key financial ratios indicating poor performance compared to peers and significant underperformance against the S&P 500, including a year-to-date return of -15.89% versus the S&P's 12.22%.

As of 29 July 2022, the valuation grade for Nicholas Financial, Inc. has moved from expensive to risky. The company is currently overvalued based on its financial metrics. Key ratios include a Price to Book Value of 0.88, an EV to EBIT of 6.69, and a ROCE of 13.14%. In comparison, peers such as Ocwen Financial Corp. have a much more favorable EV to EBITDA of 0.2221, while loanDepot, Inc. shows a P/E ratio of -19.1641, indicating a challenging environment for Nicholas Financial.<BR><BR>The stock has underperformed against the S&P 500 across multiple time frames, with a year-to-date return of -15.89% compared to the S&P 500's 12.22%. This trend continues over longer periods, with a 5-year return of -30.50% versus the S&P's 96.61%, reinforcing the notion that Nicholas Financial, Inc. is not only overvalued but also struggling relative to broader market performance.

Is Nicholas Financial, Inc. technically bullish or bearish?

As of September 8, 2025, Nicholas Financial, Inc. is in a bearish trend with weak strength, indicated by negative MACD readings and underperformance against the S&P 500, showing a year-to-date return of -15.89% compared to the S&P's 12.22%.

As of 8 September 2025, the technical trend for Nicholas Financial, Inc. has changed from mildly bearish to bearish. The current technical stance is bearish with a weak strength. Key indicators driving this stance include bearish MACD readings on both weekly and monthly time frames, a bearish daily moving average, and a bearish Bollinger Band on the monthly chart. Additionally, the Dow Theory shows a mildly bearish trend on the weekly basis. <BR><BR>In terms of performance, Nicholas Financial has underperformed the S&P 500 across multiple periods, with a year-to-date return of -15.89% compared to the S&P 500's 12.22%, and a 5-year return of -30.50% versus the S&P 500's 96.61%.