Stock NICK NICHOLAS FINANCIAL, INC.
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Financials Nicholas Financial, Inc.

Equities

NICK

US65373A1097

Consumer Lending

Market Closed - Nasdaq
Other stock markets
 04:30:00 2024-04-26 pm EDT 		5-day change 1st Jan Change
6.75 USD +1.05% Intraday chart for Nicholas Financial, Inc. +1.81% -2.17%
Feb. 13 Nicholas Financial, Inc. Reports Earnings Results for the Third Quarter and Nine Months Ended December 31, 2023 CI
2023 Tranche Update on Nicholas Financial, Inc.'s Equity Buyback Plan announced on May 29, 2019. CI

Valuation

Fiscal Period: Maart 2018 2019 2020 2021 2022 2023
Capitalization 1 71.52 71.19 46.17 81.39 77.9 44.87
Enterprise Value (EV) 1 234.6 178.2 156.3 152.1 135.6 73.53
P/E ratio -64.6 x -19.4 x 13.1 x 9.7 x 26 x -1.32 x
Yield - - - - - -
Capitalization / Revenue 1.97 x 2.01 x 1.26 x 1.9 x 2.03 x -177 x
EV / Revenue 6.46 x 5.04 x 4.26 x 3.56 x 3.53 x -291 x
EV / EBITDA - - - - - -
EV / FCF - - - - - -
FCF Yield - - - - - -
Price to Book 0.66 x 0.68 x 0.42 x 0.71 x 0.66 x 0.56 x
Nbr of stocks (in thousands) 7,885 7,910 7,906 7,700 7,600 7,300
Reference price 2 9.070 9.000 5.840 10.57 10.25 6.147
Announcement Date 6/27/18 6/28/19 6/22/20 6/22/21 6/24/22 6/27/23
1USD in Million2USD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: Maart 2018 2019 2020 2021 2022 2023
Net sales 1 36.31 35.36 36.68 42.79 38.45 -0.253
EBITDA - - - - - -
EBIT - - - - - -
Operating Margin - - - - - -
Earnings before Tax (EBT) 1 3.163 -4.588 2.247 10.95 4.046 -32.7
Net income 1 -1.098 -3.648 3.466 8.351 2.998 -34.12
Net margin -3.02% -10.32% 9.45% 19.52% 7.8% 13,485.77%
EPS 2 -0.1404 -0.4641 0.4459 1.089 0.3940 -4.655
Free Cash Flow - - - - - -
FCF margin - - - - - -
FCF Conversion (EBITDA) - - - - - -
FCF Conversion (Net income) - - - - - -
Dividend per Share - - - - - -
Announcement Date 6/27/18 6/28/19 6/22/20 6/22/21 6/24/22 6/27/23
1USD in Million2USD
Estimates

Balance Sheet Analysis

Fiscal Period: March 2018 2019 2020 2021 2022 2023
Net Debt 1 163 107 110 70.7 57.7 28.7
Net Cash position 1 - - - - - -
Leverage (Debt/EBITDA) - - - - - -
Free Cash Flow - - - - - -
ROE (net income / shareholders' equity) -1.01% -3.42% 3.26% 7.5% 2.59% -34.8%
ROA (Net income/ Total Assets) -0.36% -1.37% 1.41% 3.7% 1.51% -23.2%
Assets 1 308.9 266.6 245.6 225.6 198 147
Book Value Per Share 2 13.70 13.30 13.80 14.90 15.40 10.90
Cash Flow per Share 2 0.3300 4.500 2.150 2.860 0.6300 0.0600
Capex 1 0.13 0.23 0.13 0.62 1.31 0.06
Capex / Sales 0.36% 0.64% 0.35% 1.44% 3.41% -23.32%
Announcement Date 6/27/18 6/28/19 6/22/20 6/22/21 6/24/22 6/27/23
1USD in Million2USD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

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