Nicholas Financial

Nicholas Financial, Inc. provides direct consumer loans and purchases installment sales contracts from automobile dealers for used cars and light trucks. Nicholas Financial operates a network of sixty-seven branch offices in Florida, Alabama, Georgia, Illinois, Indiana, Ohio, Kansas, Kentucky, North Carolina, South Carolina, Maryland, Michigan, Missouri, Virginia, Tennessee and Texas. Its software subsidiary, Nicholas Data Services, Inc., designs, develops, supports and sells accounting software to small businesses throughout North America and is the computer automation provider for Nicholas Financial.
Type
Public
HQ
Clearwater, US
Founded
1985
Size (employees)
333 (est)
Nicholas Financial was founded in 1985 and is headquartered in Clearwater, US

Nicholas Financial Office Locations

Nicholas Financial has an office in Clearwater
Clearwater, US (HQ)
2454 N Mc Mullen Booth Rd

Nicholas Financial Data and Metrics

Nicholas Financial Financial Metrics

Nicholas Financial's revenue was reported to be $82.6 m in 2014
USD

Net income (FY, 2017)

5.4 m

Market capitalization (21-Jul-2017)

68.6 m

Cash (31-Mar-2017)

2.9 m

EV

278.7 m
Nicholas Financial's current market capitalization is $68.6 m.
USDY, 2014FY, 2017

Revenue

82.6 m

Sales and marketing expense

1.4 m

Operating expense total

81.7 m

Interest expense

9.2 m

Income tax expense

3.3 m

Net Income

5.4 m
USDQ1, 2014Q2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016

Sales and marketing expense

392 k364.3 k384 k386 k345 k369 k

Operating expense total

392 k364.3 k384 k386 k345 k369 k

Interest expense

2.2 m2.3 m2.3 m2.2 m2.2 m2.3 m

Income tax expense

2.3 m2 m1.7 m1.8 m1.2 m981 k

Net Income

4.9 m9.2 m13 m3.7 m6.9 m9.7 m2.9 m4.9 m6.5 m
USDFY, 2014FY, 2015FY, 2016FY, 2017

Cash

2.6 m3.4 m1.8 m2.9 m

PP&E

869.7 k872.1 k1.3 m1.2 m

Total Assets

283.4 m302.5 m325.3 m333.6 m

Accounts Payable

8.9 m7.8 m5.8 m5.9 m

Total Debt

213 m

Total Liabilities

224.8 m

Retained Earnings

110.8 m127.6 m140 m145.4 m

Total Equity

141.9 m89.9 m102.8 m108.9 m

Debt to Equity Ratio

2 x

Debt to Assets Ratio

0.6 x

Financial Leverage

2 x3.4 x3.2 x3.1 x
USDQ1, 2014Q2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016

Cash

2.3 m5 m2.6 m1.2 m1.7 m3 m4.5 m3.8 m3.7 m

PP&E

897.1 k931.3 k906.3 k940.7 k1.4 m1.4 m1.6 m1.6 m1.6 m

Total Assets

291.3 m295.8 m296.5 m312.3 m321.3 m324.5 m328.9 m328.8 m337.8 m

Accounts Payable

7.6 m7.2 m6.4 m8.1 m7.4 m5.6 m6.6 m5.4 m7.4 m

Retained Earnings

115.7 m120 m123.8 m131.3 m134.6 m137.3 m142.9 m144.9 m146.5 m

Total Equity

147.1 m151.6 m155.6 m93.7 m97.1 m100 m105.9 m108 m109.8 m

Financial Leverage

2 x2 x1.9 x3.3 x3.3 x3.2 x3.1 x3 x3.1 x
USDFY, 2014FY, 2015FY, 2016FY, 2017

Net Income

16.7 m16.9 m12.4 m5.4 m

Depreciation and Amortization

317.5 k366.3 k458 k492 k

Accounts Payable

1.5 m(1.1 m)(2 m)93 k

Cash From Operating Activities

21.3 m25.8 m24.1 m27.3 m

Purchases of PP&E

(464.6 k)(442.8 k)(913 k)(772 k)

Cash From Investing Activities

(21.9 m)(26.5 m)(36.7 m)(28.7 m)

Cash From Financing Activities

376.3 k1.5 m11 m2.4 m
USDQ1, 2014Q2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016

Net Income

4.9 m9.2 m13 m3.7 m6.9 m9.7 m2.9 m4.9 m6.5 m

Depreciation and Amortization

90.6 k184.1 k276.2 k94.7 k213.7 k333.7 k131 k271 k413 k

Accounts Payable

(1.3 m)(1.7 m)(2.6 m)258.3 k(408.7 k)(2.2 m)712 k(391 k)1.6 m

Cash From Operating Activities

7 m11.4 m17.5 m8.6 m11.9 m17.4 m9.1 m13.2 m23.9 m

Purchases of PP&E

(118 k)(308.9 k)(377.9 k)(164.7 k)(743.7 k)(877.7 k)(418 k)(619 k)(728 k)

Cash From Investing Activities

(10.2 m)(13.2 m)(19.1 m)(13.8 m)(25 m)(31.3 m)(5 m)(10 m)(25.6 m)

Cash From Financing Activities

2.9 m4.2 m1.7 m3 m11.3 m13.5 m(1.4 m)(1.2 m)3.5 m
Y, 2017

EV/CFO

10.2 x

Debt/Equity

2 x

Debt/Assets

0.6 x

Financial Leverage

3.1 x

Nicholas Financial Market Value History

Nicholas Financial Company Life and Culture

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