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Nicholas Financial, Inc.

  • Market Cap: Micro Cap
  • Industry: Finance
  • ISIN: CA65373J2092
USD
4.95
0.29 (6.22%)

Dec 04

NAS

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  • Price Points
  • Score
  • Mojo Parameters
  • Total Return
  • News and Corporate Actions
  • Key factors
  • Shareholding
  • Financials
  • CompanyCV
stock-recommendationScore
Click here to find our call on this stock
Strong Sell
Sell
Hold
Buy
Strong Buy

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Comparison
Company
Score
Quality
Valuation
Financial
Technical
Fast Acquisition Corp. II
Ocwen Financial Corp.
Nicholas Financial, Inc.
Altisource Portfolio Solutions SA
loanDepot, Inc.
CURO Group Holdings Corp.
Finance of America Cos., Inc.
USIO, Inc.
Security National Financial Corp.
Better Home & Finance Holding Co.
Drilling Tools International Corp. (US)
Why is Nicholas Financial, Inc. ?
1
With a Operating Losses, the company has a Weak Long Term Fundamental Strength
  • Poor long term growth as Net Sales has grown by an annual rate of -27.54% and Operating profit at -164.65%
2
Risky - Negative EBITDA
  • The stock is trading risky as compared to its average historical valuations
  • Over the past year, while the stock has generated a return of -16.83%, its profits have risen by 39%
3
Consistent Underperformance against the benchmark over the last 3 years
  • Along with generating -16.83% returns in the last 1 year, the stock has also underperformed S&P 500 in each of the last 3 annual periods
stock-recommendationReal-Time Research Report
Verdict Report
How much should you sell?
  1. 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.
-16.24%
-0.40
55.98%
S&P 500
13.22%
0.61
20.17%
stock-recommendationQuality
stock-summaryManagement Risk
stock-summaryGrowth
stock-summaryCapital Structure
stock-recommendation
Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors
Factor
Value
Sales Growth (5y)
-27.54%
EBIT Growth (5y)
-164.65%
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
70.12%
ROCE (avg)
11.84%
ROE (avg)
1.95%
stock-recommendationValuation
Valuation Scorecard stock-summary
stock-recommendation
Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors stock-summary
Factor
Value
P/E Ratio
NA (Loss Making)
Industry P/E
Price to Book Value
0.88
EV to EBIT
6.69
EV to EBITDA
-12.67
EV to Capital Employed
0.88
EV to Sales
5.99
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
13.14%
ROE (Latest)
-53.88%
stock-recommendationTechnicals
Technical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Bearish
Moving Averages
Bearish (Daily)
KST
Bearish
Bearish
Dow Theory
Mildly Bullish
Bearish
OBV
Mildly Bullish
Mildly Bullish
stock-recommendation Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish  Turned 
Technical Movement
Analyse All Technical Factors stock-recommendation
stock-recommendationFinancial Trend
Financial Trend Scorecard stock-summary
stock-recommendation
Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

17What is working for the Company
NET SALES(HY)

At USD 5.98 MM has Grown at 37.3%

ROCE(HY)

Highest at -6.39%

RAW MATERIAL COST(Y)

Fallen by -2.61% (YoY

INVENTORY TURNOVER RATIO(HY)

Highest at 8.2 times

DEBTORS TURNOVER RATIO(HY)

Highest at 11.37 times

PRE-TAX PROFIT(Q)

At USD -0.74 MM has Grown at 57.46%

NET PROFIT(Q)

At USD -0.79 MM has Grown at 54.03%

-4What is not working for the Company
OPERATING CASH FLOW(Y)

Lowest at USD -0.56 MM

Here's what is working for Nicholas Financial, Inc.
Net Sales
At USD 5.98 MM has Grown at 37.3%
Year on Year (YoY)
MOJO Watch
Near term sales trend is positive

Net Sales (USD MM)

Pre-Tax Profit
At USD -0.74 MM has Grown at 57.46%
over average net sales of the previous four periods of USD -1.74 MM
MOJO Watch
Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (USD MM)

Net Profit
At USD -0.79 MM has Grown at 54.03%
over average net sales of the previous four periods of USD -1.71 MM
MOJO Watch
Near term Net Profit trend is positive

Net Profit (USD MM)

Inventory Turnover Ratio
Highest at 8.2 times
in the last five Semi-Annual periods
MOJO Watch
Company has been able to sell its inventory faster

Inventory Turnover Ratio

Debtors Turnover Ratio
Highest at 11.37 times
in the last five Semi-Annual periods
MOJO Watch
Company has been able to sell its Debtors faster

Debtors Turnover Ratio

Raw Material Cost
Fallen by -2.61% (YoY)
MOJO Watch
The company's ability to pass on the cost of raw materials to customers has improved; this may lead to a rise in profit margin

Raw Material Cost as a percentage of Sales

Here's what is not working for Nicholas Financial, Inc.
Operating Cash Flow
Lowest at USD -0.56 MM and Fallen
In each year in the last three years
MOJO Watch
The company's cash revenues from business operations are falling

Operating Cash Flows (USD MM)

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