NICHOLAS FINANCIAL I...
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NICHOLAS FINANCIAL INC logo
no logo available
General Information
Investor relations pageIR page no data available
Founding year no data available
Headquarter , , no data available
Employees (as per )no data available
Sector Credit Services, Financial ServicesCredit Services, Financial Servicesno data available
Ticker NICKno data available
Financial year endsFY ends End of Marchno data available
Stock Information (historical prices adjusted for splits and dividends)
Adj. Closing prices (in USD) -Common sharesNov. 16Jan. 17März 17Mai 17Juli 17Sep. 1789101112
datesClosing price (adj.)
13.10.20178.75
11.10.20178.83
04.10.20178.81
27.09.20178.57
20.09.20178.69
13.09.20178.66
06.09.20178.63
30.08.20178.71
23.08.20178.70
16.08.20178.71
09.08.20178.71
02.08.20178.89
26.07.20178.56
19.07.20178.91
12.07.20179.19
05.07.20179.29
27.06.20178.65
20.06.20178.24
13.06.20178.16
06.06.20178.89
30.05.20178.58
23.05.20179.05
16.05.20179.65
09.05.20179.84
02.05.20179.96
25.04.201710.17
18.04.20179.95
11.04.20179.88
04.04.201710.77
28.03.201710.50
21.03.201710.16
14.03.201710.55
07.03.201710.34
28.02.201711.10
21.02.201711.25
14.02.201710.91
07.02.201711.26
31.01.201711.00
24.01.201711.20
17.01.201711.11
10.01.201711.78
03.01.201711.75
27.12.201611.28
19.12.201611.17
12.12.201610.40
05.12.201610.12
28.11.201610.13
21.11.201610.20
14.11.20169.57
07.11.20168.89
31.10.20169.62
24.10.20169.86
17.10.201610.04
no share price data source found
Share price data requested
Key Figures
Last Closing Price
as per Oct 13, 2017, in USD
 8.75n/a
Market Capitalisation
in million USD
 68n/a
Enterprise Value
in million USD
 63n/a
Common Shares Outstanding
as per Jun 30, 2016
 7,753,000n/a
Preferred Shares Outstanding
as per Jun 30, 2016
 n/a
Average Basic Shares Outstanding
TTM
 7,636,000n/a
Average Diluted Shares Outstanding
TTM
 7,689,250n/a
Index Membership
n/a
Business Summary
Nicholas Financial Inc is a specialized consumer finance company engaged in acquiring and servicing automobile finance installment contracts for purchases of new and used automobiles and light trucks.
no data available
Key Financials & Ratios (all figures TTM as per Jun 30, 2016, million USD, full statements further below)
Profit & Loss
Revenues 92n/a
Gross Profit 92n/a
Operating Income 57n/a
EBITDA 58n/a
Net Profit 12n/a
Balance Sheet
Cash and Cash Equivalents 5n/a
Receivables 0n/a
Total Current Assets 321n/a
PP&E 2n/a
Total Assets 329n/a
Accounts Payable 7n/a
Current Debt 0n/a
Total Current Liabilities 223n/a
Long-Term Debt 0n/a
Total Liabilities 223n/a
Total Equity 106n/a
Cash Flow
Depreciation & Amortisation 0n/a
Change in Working Capital -2n/a
Operating Cash Flow 25n/a
Net Change in PP&E and Intangibles -1n/a
Investing Cash Flow -28n/a
Dividends Paid 0n/a
Financing Cash Flow 7n/a
Total Change in Cash 3n/a
Free Cash Flow 47n/a
Profitability Ratios
Gross Margin 100.0%n/a
Operating Margin 62.5%n/a
Net Profit Margin 12.7%n/a
Return on Equity 11.0%n/a
Return on Assets 3.5%n/a
Per Share Figures
Basic EPS 1.52n/a
Diluted EPS 1.51n/a
Sales per Share 12.00n/a
Book Value per Share 13.86n/a
FCF per Share 6.20n/a
Dividends per Share 0.00n/a
Price Multiples
Price to Earnings Ratio 5.75n/a
Price to Sales Ratio 0.73n/a
Price to Book Value 0.63n/a
Price to Free Cash Flow 1.41n/a
Valuation Metrics
EV/EBITDA 1.10n/a
EV/Sales 0.69n/a
Book to Market Value 1.56n/a
Other Ratios
Current Ratio 143.8%n/a
Liabilities to Equity Ratio 210.7%n/a
Debt to Assets Ratio 0.0%n/a
Profit & Loss StatementP&L data quality: 100% (?)
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in million USD FY '10FY '11FY '12FY '13FY '14FY '15FY '16
Revenue
56
74
81
82
83
87
91
Sales & Services Revenue
0
0
0
0
0
0
0
Financing Revenue
56
74
80
82
83
87
91
Other Revenue
0
0
0
0
0
0
0
Cost of revenue
0
0
0
0
0
0
0
Cost of Goods & Services
0
0
0
0
0
0
0
Cost of Financing Revenue
0
0
0
0
0
0
0
Cost of Other Revenue
0
0
0
0
0
0
0
Gross Profit
56
74
81
82
83
87
91
Other Operating Income
0
0
0
0
0
0
0
Operating Expenses
-23
-26
-26
-28
-30
-33
-34
Selling, General & Administrative
-23
-25
-26
-28
-30
-32
-34
Selling & Marketing
0
0
0
0
0
0
0
General & Administrative
0
0
0
0
0
0
0
Research & Development
0
0
0
0
0
0
0
Depreciation & Amortization
0
0
0
0
0
0
0
Provision For Doubtful Accounts
0
0
0
0
0
0
0
Other Operating Expense
0
0
0
0
0
0
0
Operating Income (Loss)
33
48
54
54
52
54
57
Non-Operating Income (Loss)
-5
-6
-5
-5
-6
-6
-9
Interest Expense, net
-5
-6
-5
-5
-6
-6
-9
Interest Expense
0
0
0
0
0
0
0
Interest Income
0
0
0
0
0
0
0
Other Investment Income (Loss)
0
0
0
0
0
0
0
Foreign Exchange Gain (Loss)
0
0
0
0
0
0
0
Income (Loss) from Affiliates
0
0
0
0
0
0
0
Other Non-Operating Income (Loss)
0
0
0
0
0
0
0
Pretax Income (Loss), Adjusted
28
42
49
49
46
48
48
Abnormal Gains (Losses)
-10
-15
-13
-16
-18
-22
-27
Acquired In-Process R&D
0
0
0
0
0
0
0
Merger / Acquisition Expense
0
0
0
0
0
0
0
Abnormal Derivatives
0
0
0
0
0
0
0
Disposal of Assets
0
0
0
0
0
0
0
Early extinguishment of Debt
0
0
0
0
0
0
0
Asset Write-Down
0
0
0
0
0
0
0
Impairment of Goodwill & Intangibles
0
0
0
0
0
0
0
Sale of Business
0
0
0
0
0
0
0
Legal Settlement
0
0
0
0
0
0
0
Restructuring Charges
0
0
0
0
0
0
0
Sale of and Unrealized Investments
0
0
0
0
0
0
0
Insurance Settlement
0
0
0
0
0
0
0
Other Abnormal Items
0
0
0
0
0
0
0
Pretax Income (Loss)
18
27
36
32
29
26
20
Income Tax (Expense) Benefit, net
-7
-11
-14
-13
-12
-9
-8
Current Income Tax
0
0
0
0
0
0
0
Deferred Income Tax
0
0
0
0
0
0
0
Tax Allowance/Credit
0
0
0
0
0
0
0
Income (Loss) from Affiliates, net of taxes
0
0
0
0
0
0
0
Income (Loss) from Continuing Operations
11
17
22
20
17
17
12
Net Extraordinary Gains (Losses)
0
0
0
0
0
0
0
Discontinued Operations
0
0
0
0
0
0
0
XO & Accounting Charges & Other
0
0
0
0
0
0
0
Income (Loss) Including Minority Interest
11
17
22
20
17
17
12
Minority Interest
0
0
0
0
0
0
0
Net Income
11
17
22
20
17
17
12
Preferred Dividends
0
0
0
0
0
0
0
Other Adjustments
0
0
0
0
0
0
0
Net Income Available to Common Shareholders
11
17
22
20
17
17
12
Remarks
restated on Jun 14, 2012 n/a
calculated values,
restated on Jun 14, 2013 n/a
calculated values,
restated on Jun 16, 2014 n/a
calculated values,
restated on Jun 15, 2015 n/a
calculated values,
restated on Jun 14, 2016 n/a
calculated values,
restated on Jun 14, 2016 n/a
calculated values,
restated on Jun 14, 2016 n/a
calculated values,
Balance SheetBS data quality: 100% (?)
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Reason:
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in million USD FY '10FY '11FY '12FY '13FY '14FY '15FY '16
Assets
Cash, Cash Equivalents & Short Term Investments
n/a
2
3
3
3
3
2
Cash & Cash Equivalents
n/a
2
3
3
3
3
2
Short Term Investments
n/a
0
0
0
0
0
0
Accounts & Notes Receivable
n/a
230
241
250
269
289
312
Accounts Receivable, Net
n/a
0
0
0
0
0
0
Notes Receivable, Net
n/a
230
241
250
269
289
312
Unbilled Revenues
n/a
0
0
0
0
0
0
Inventories
n/a
0
0
0
0
0
0
Raw Materials
n/a
0
0
0
0
0
0
Work In Process
n/a
0
0
0
0
0
0
Finished Goods
n/a
0
0
0
0
0
0
Other Inventory
n/a
0
0
0
0
0
0
Other Short Term Assets
n/a
2
3
2
4
3
4
Prepaid Expenses
n/a
1
1
1
1
1
1
Derivative & Hedging Assets
n/a
0
0
0
0
0
0
Assets Held-for-Sale
n/a
1
1
1
2
2
2
Deferred Tax Assets
n/a
0
0
0
0
0
0
Income Taxes Receivable
n/a
0
0
0
1
0
1
Discontinued Operations
n/a
0
0
0
0
0
0
Miscellaneous Short Term Assets
n/a
0
0
0
0
0
0
Total Current Assets
n/a
234
247
255
276
295
317
Property, Plant & Equipment, Net
n/a
1
1
1
1
1
1
Property, Plant & Equipment
n/a
0
0
0
0
0
0
Accumulated Depreciation
n/a
0
0
0
0
0
0
Long Term Investments & Receivables
n/a
0
0
0
0
0
0
Long Term Investments
n/a
0
0
0
0
0
0
Long Term Marketable Securities
n/a
0
0
0
0
0
0
Long Term Receivables
n/a
0
0
0
0
0
0
Other Long Term Assets
n/a
9
9
8
7
6
7
Intangible Assets
n/a
0
0
0
0
0
0
Goodwill
n/a
0
0
0
0
0
0
Other Intangible Assets
n/a
0
0
0
0
0
0
Prepaid Expense
n/a
0
0
0
0
0
0
Deferred Tax Assets
n/a
9
9
8
7
6
7
Derivative & Hedging Assets
n/a
0
0
0
0
0
0
Prepaid Pension Costs
n/a
0
0
0
0
0
0
Discontinued Operations
n/a
0
0
0
0
0
0
Investments in Affiliates
n/a
0
0
0
0
0
0
Miscellaneous Long Term Assets
n/a
0
0
0
0
0
0
Total Noncurrent Assets
n/a
10
10
9
8
7
8
Total Assets
n/a
244
257
264
283
303
325
Liabilities and owners' equity
Payables & Accruals
n/a
9 9321750
8 8214508
10 9501890
11 11263480
10 10317000
7 7338000
Accounts Payable
n/a
7 7209387
7 6612429
7 7405579
9 8924919
8 7841000
6 5839000
Accrued Taxes
n/a
0 0
0 0
0 0
0 0
0 0
0 0
Interest & Dividends Payable
n/a
0 0
0 0
0 0
0 0
0 0
0 0
Other Payables & Accruals
n/a
2 2112363
2 1602079
2 2096311
2 2338561
2 2476000
1 1499000
Short Term Debt
n/a
0 0
0 0
0 0
0 0
0 0
0 0
Short Term Borrowings
n/a
0 0
0 0
0 0
0 0
0 0
0 0
Short Term Capital Leases
n/a
0 0
0 0
0 0
0 0
0 0
0 0
Current Portion of Long Term Debt
n/a
0 0
0 0
0 0
0 0
0 0
0 0
Other Short Term Liabilities
n/a
119 119107907
113 113082475
127 127368482
130 130228544
202 202324000
215 215122000
Deferred Revenue
n/a
1 1107907
1 1082475
1 1363630
2 2328544
3 3143000
4 3917000
Derivatives & Hedging
n/a
0 0
0 0
0 0
0 0
0 0
0 0
Deferred Tax Liabilities
n/a
0 0
0 0
0 0
0 0
0 0
0 0
Discontinued Operations
n/a
0 0
0 0
0 0
0 0
0 0
0 0
Miscellaneous Short Term Liabilities
n/a
118 118000000
112 112000000
126 126004852
128 127900000
199 199181000
211 211205000
Total Current Liabilities
n/a
128 128429657
121 121296983
137 136870372
141 141492024
213 212641000
222 222460000
Long Term Debt
n/a
0 0
0 0
0 0
0 0
0 0
0 0
Long Term Borrowings
n/a
0 0
0 0
0 0
0 0
0 0
0 0
Long Term Capital Leases
n/a
0 0
0 0
0 0
0 0
0 0
0 0
Other Long Term Liabilities
n/a
0 0
0 0
0 0
0 0
0 0
0 0
Accrued Liabilities
n/a
0 0
0 0
0 0
0 0
0 0
0 0
Pension Liabilities
n/a
0 0
0 0
0 0
0 0
0 0
0 0
Pensions
n/a
0 0
0 0
0 0
0 0
0 0
0 0
Other Post-Retirement Benefits
n/a
0 0
0 0
0 0
0 0
0 0
0 0
Deferred Compensation
n/a
0 0
0 0
0 0
0 0
0 0
0 0
Deferred Revenue
n/a
0 0
0 0
0 0
0 0
0 0
0 0
Deferred Tax Liabilities
n/a
0 0
0 0
0 0
0 0
0 0
0 0
Derivatives & Hedging
n/a
0 0
0 0
0 0
0 0
0 0
0 0
Discontinued Operations
n/a
0 0
0 0
0 0
0 0
0 0
0 0
Miscellaneous Long Term Liabilities
n/a
0 0
0 0
0 0
0 0
0 0
0 0
Total Noncurrent Liabilities
n/a
0 0
0 0
0 0
0 0
0 0
0 0
Total Liabilities
n/a
128 128429657
121 121296983
137 136870372
141 141492024
213 212641000
222 222460000
Preferred Equity
n/a
0 0
0 0
0 0
0 0
0 0
0 0
Share Capital & Additional Paid-In Capital
n/a
26 26337731
28 28426043
30 30031548
31 31151781
33 32655000
33 33287000
Common Stock
n/a
0 0
0 0
0 0
0 0
0 0
0 0
Additional Paid in Capital
n/a
0 0
0 0
0 0
0 0
0 0
0 0
Other Share Capital
n/a
0 0
0 0
0 0
0 0
0 0
0 0
Treasury Stock
n/a
0 0
0 0
0 0
0 0
-70 -70409000
-70 -70459000
Retained Earnings
n/a
89 88875737
107 106837118
97 96933548
111 110785774
128 127642000
140 140021000
Other Equity
n/a
0 0
0 0
0 0
0 0
0 0
0 0
Equity Before Minority Interest
n/a
115 115213468
135 135263161
127 126965096
142 141937555
90 89888000
103 102849000
Minority Interest
n/a
0 0
0 0
0 0
0 0
0 0
0 0
Total Equity
n/a
115 115213468
135 135263161
127 126965096
142 141937555
90 89888000
103 102849000
Total Liabilities & Equity
n/a
244 243643125
257 256560144
264 263835468
283 283429579
303 302529000
325 325309000
Remarks restated on n/a restated on Jun 14, 2012 n/a restated on Jun 14, 2013 n/a restated on Jun 16, 2014 n/a restated on Jun 15, 2015 n/a restated on Jun 14, 2016 n/a restated on Aug 9, 2016 n/a
Cash Flow StatementCF data quality: 96% (?)
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in million USD FY '10FY '11FY '12FY '13FY '14FY '15FY '16
Net Income/Starting Line
11
17
22
20
17
17
12
Net Income
0
0
0
0
0
0
0
Net Income From Discontinued Operations
0
0
0
0
0
0
0
Other Adjustments
0
0
0
0
0
0
0
Depreciation & Amortization
0
0
0
0
0
0
0
Non-Cash Items
11
4
1
3
4
7
13
Stock-Based Compensation
0
0
0
0
0
0
0
Deferred Income Taxes
0
0
0
0
0
0
0
Other Non-Cash Adjustments
0
0
0
0
0
0
0
Change in Working Capital
0
0
-1
2
1
1
-1
(Increase) Decrease in Accounts Receivable
0
0
0
0
0
0
0
(Increase) Decrease in Inventories
0
0
0
0
0
0
0
Increase (Decrease) in Accounts Payable
0
0
0
0
0
0
0
Increase (Decrease) in Other
0
0
0
0
0
0
0
Net Cash From Discontinued Operations (operating)
0
0
0
0
0
0
0
Cash from Operating Activities
21
21
22
26
21
26
24
Change in Fixed Assets & Intangibles
0
0
0
0
0
0
-1
Disposition of Fixed Assets & Intangibles
0
0
0
0
0
0
0
Disposition of Fixed Assets
0
0
0
0
0
0
0
Disposition of Intangible Assets
0
0
0
0
0
0
0
Acquisition of Fixed Assets & Intangibles
0
0
0
0
0
0
0
Purchase of Fixed Assets
0
0
0
0
0
0
0
Acquisition of Intangible Assets
0
0
0
0
0
0
0
Other Change in Fixed Assets & Intangibles
0
0
0
0
0
0
0
Net Change in Long Term Investment
0
0
0
0
0
0
0
Decrease in Long Term Investment
0
0
0
0
0
0
0
Increase in Long Term Investment
0
0
0
0
0
0
0
Net Cash From Acquisitions & Divestitures
0
0
0
0
0
0
0
Net Cash from Divestitures
0
0
0
0
0
0
0
Cash for Acqusition of Subsidiaries
0
0
0
0
0
0
0
Cash for Joint Ventures
0
0
0
0
0
0
0
Net Cash from Other Acquisitions
0
0
0
0
0
0
0
Other Investing Activities
-27
-32
-13
-10
-21
-26
-36
Net Cash From Discontinued Operations (investing)
0
0
0
0
0
0
0
Cash from Investing Activities
-27
-33
-13
-11
-22
-27
-37
Dividends Paid
0
0
-4
-30
-3
0
0
Cash From (Repayment of) Debt
5
11
-6
14
2
71
12
Cash From (Repayment of) Short Term Debt, net
0
0
0
0
0
0
0
Cash From (Repayment of) Long Term Debt, net
0
0
0
0
0
0
0
Repayments of Long Term Debt
0
0
0
0
0
0
0
Cash From Long Term Debt
0
0
0
0
0
0
0
Cash From (Repurchase of) Equity
0
0
1
1
0
-70
0
Increase in Capital Stock
0
0
1
1
0
0
0
Decrease in Capital Stock
0
0
0
0
0
-70
0
Other Financing Activities
0
1
0
1
0
0
-1
Net Cash From Discontinued Operations (financing)
0
0
0
0
0
0
0
Cash from Financing Activities
6
12
-8
-15
0
1
11
Net Cash Before Disc. Operations and FX
0
0
1
0
0
1
-2
Change in Cash from Disc. Operations and Other
0
0
0
0
0
0
0
Net Cash Before FX
0
0
1
0
0
1
-2
Effect of Foreign Exchange Rates
0
0
0
0
0
0
0
Net Changes in Cash
0
0
1
0
0
1
-2
Remarks
restated on Jun 14, 2012 n/a
calculated values,
restated on Jun 14, 2013 n/a
calculated values,
restated on Jun 16, 2014 n/a
calculated values,
restated on Jun 15, 2015 n/a
calculated values,
restated on Jun 14, 2016 n/a
calculated values,
restated on Jun 14, 2016 n/a
calculated values,
restated on Jun 14, 2016 n/a
calculated values,
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