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Nicholas Financial, Inc. NICK NASDAQ

NASDAQ Global Select • Financial Services • Financial - Credit Services • US • USD

SharesGrow Score
40/100
1/5 Pass
SharesGrow Intrinsic Value
N/A
Negative cash flow

Nicholas Financial, Inc. (NICK) is a Financial - Credit Services company in the Financial Services sector, currently trading at $6.19. It has a SharesGrow Score of 38/100, indicating a weak investment profile with 1 out of 7 criteria passed.

Financials: revenue is $9M, -37.2%/yr average growth. Net income is $5M (loss), growing at -374.6%/yr. Net profit margin is -55% (negative). Gross margin is 93.2% (+38.4 pp trend).

Balance sheet: total debt is $4M against $53M equity (Debt-to-Equity (D/E) ratio 0.07, conservative). Current ratio is 9.45 (strong liquidity). Debt-to-assets is 4.9%. Total assets: $78M.

SharesGrow 7-Criteria breakdown: Value ?/100 (Fail), Growth 15/100 (Fail), Past 25/100 (Fail), Health 100/100 (Pass), Moat 50/100 (Partial), Future ?/100 (Fail), Income 10/100 (Fail).

NICK SharesGrow Score Overview

40/100
SharesGrow Score
Mixed signals — some strengths
View full scorecard →
VALUE 0/100
Valuation — P/E, PEG, Forward PEG
GROWTH 15/100
Financials — average growth
PAST 25/100
strong — trend
HEALTH 100/100
Balance sheet — Debt-to-Equity (D/E) ratio, Current ratio is
MOAT 50/100
Gross margin is + market cap
FUTURE 0/100
Analyst outlook — as buy
INCOME 10/100
Net profit margin is
Scores derived from financial statements, analyst ratings, and balance sheet data.

Score Breakdown — NICK

—
VALUE N/A
N/A
No analyst coverage available for this stock.
✗
GROWTH Fail
15/100
NICK: -37.2%/yr revenue is, -374.6%/yr Net income is average growth. weak. Score: >20%/yr = 100, >10% = 80, >5% = 65, >0% = 45, < 0 = 15.
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✗
PAST Fail
25/100
NICK: 1 / 4 years profitable. weak. Score = 1 / 4 × 100. ≥ 80 = Pass.
View details →
✓
HEALTH Pass
100/100
Balance sheet NICK: Debt-to-Equity (D/E) ratio 0.07 (conservative), Current ratio is 9.45 (strong liquidity). Debt-to-Equity < 0.5, Current Ratio > 1.5, Interest Coverage > 8x = ideal. ≥ 70 = Pass.
View details →
~
MOAT Partial
50/100
NICK: Gross margin is 93.2% (+38.4 pp trend), N/A market cap. Moat (0-100): margin (35%) + trend (15%) + market cap (30%) + revenue is (20%). Score 50/100. ≥ 70 = Pass.
View details →
—
FUTURE N/A
N/A
No analyst coverage available for this stock.
✗
INCOME Fail
10/100
NICK: Net profit margin is -55%. negative. Score: ≥30% = 100, ≥20% = 85, ≥15% = 70, ≥10% = 55, ≥5% = 45, ≥0% = 30, < 0 = 10.
View details →

Stock Chart & Stats

Market Data
52-Week Range4.37-7.55
Volume4.55K
Avg Volume (30D)9.98K
Market Cap$45.19M
Beta (1Y)0.95
Share Statistics
EPS (TTM)-0.77
Shares Outstanding$6.65M
IPO Date1997-12-29
Employees7
CEOMichael Rost
Financial Highlights & Ratios
Revenue (TTM)$9.37M
Gross Profit$8.73M
EBITDA$-3.21M
Net Income$-5.15M
Operating Income$-6.96M
Total Cash$24.52M
Total Debt$3.8M
Net Debt$-20.72M
Total Assets$77.67M
Price / Earnings (P/E)-8
Price / Sales (P/S)4.82
Analyst Forecast
Company Info
CountryUS
ExchangeNASDAQ Global Select
CurrencyUSD
ISINCA65373J2092

Price Chart

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NICK
Nicholas Financial, Inc. ↗  ·  NASDAQ Global Select
Financial Services • Financial - Credit Services
4.37 52WK RANGE 7.55

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