ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Nicholas Financial, Inc. ?
1
Weak Long Term Fundamental Strength with an average Return on Equity (ROE) of 1.95%
- Poor long term growth as Net Sales has grown by an annual rate of -26.92% and Operating profit at -164.68%
2
Risky -
- The stock is trading risky as compared to its average historical valuations
- Over the past year, while the stock has generated a return of -26.56%, its profits have risen by 84.3%
3
Underperformed the market in the last 1 year
- Even though the market (S&P 500) has generated returns of 13.68% in the last 1 year, the stock has hugely underperformed and has generate negative returns of -26.56% returns
Real-Time Research ReportHow much should you sell?
- All quantity irrespective of whether you are making profits or losses
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Finance)
When to re-enter? - We will constantly monitor the company and review our call based on new data
Is Nicholas Financial, Inc. for you?
High Risk, Low Return
Absolute
Risk Adjusted
Volatility
Nicholas Financial, Inc.
-29.69%
-0.30
84.96%
S&P 500
13.68%
0.71
19.28%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
-26.92%
EBIT Growth (5y)
-164.68%
EBIT to Interest (avg)
-2.83
Debt to EBITDA (avg)
Negative Net Debt
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0.78%
Dividend Payout Ratio
0
Pledged Shares
0
Institutional Holding
68.25%
ROCE (avg)
11.84%
ROE (avg)
1.95%
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
NA (Loss Making)
Industry P/E
Price to Book Value
1.04
EV to EBIT
-8.94
EV to EBITDA
-36.02
EV to Capital Employed
1.06
EV to Sales
2.97
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
-11.86%
ROE (Latest)
-5.46%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Bearish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Bearish
Moving Averages
Mildly Bearish (Daily)
KST
Mildly Bullish
Bearish
Dow Theory
No Trend
No Trend
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend14What is working for the Company
NET PROFIT(HY)
Higher at USD -1.59 MM
ROCE(HY)
Highest at -5.49%
DEBTORS TURNOVER RATIO(HY)
Highest at 11.71 times
NET SALES(Q)
Highest at USD 3.16 MM
-4What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at USD -0.57 MM
RAW MATERIAL COST(Y)
Grown by 20.31% (YoY
Here's what is working for Nicholas Financial, Inc.
Net Profit
Higher at USD -1.59 MM
than preceding 12 month period ended Sep 2025MOJO Watch
In the half year the company has already crossed Net Profit of the previous twelve months
Net Profit (USD MM)
Net Profit
At USD -1.59 MM has Grown at 76.79%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
Net Sales
Highest at USD 3.16 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Debtors Turnover Ratio
Highest at 11.71 times
in the last five Semi-Annual periodsMOJO Watch
Company has been able to sell its Debtors faster
Debtors Turnover Ratio
Here's what is not working for Nicholas Financial, Inc.
Operating Cash Flow
Lowest at USD -0.57 MM and Fallen
In each year in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (USD MM)
Raw Material Cost
Grown by 20.31% (YoY)
MOJO Watch
The company's ability to pass on the cost of raw materials to customers has deteriorated; this may lead to a fall in profit margin
Raw Material Cost as a percentage of Sales
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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