$86 M

NICK Mkt cap, 14-Dec-2018
Nicholas Financial Net income (Q2, 2019)582 K
Nicholas Financial Cash, 30-Sep-20182.8 M
Nicholas Financial EV217.4 M

Nicholas Financial Income Statement

Annual

USDFY, 2014Y, 2014FY, 2016FY, 2017FY, 2018

Revenue

82.6m82.6m

Cost of goods sold

8.6k

Gross profit

82.6m

Gross profit Margin, %

100%

Sales and marketing expense

1.5m1.5m1.4m1.5m

Operating expense total

54.1m70.6m81.7m80.8m

Depreciation and amortization

317.5k458.0k492.0k469.0k

Interest expense

5.7m9.0m9.2m10.1m

Income tax expense

11.8m7.7m3.3m4.3m

Net Income

16.7m12.4m5.4m(1.1m)

Quarterly

USDQ2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017Q2, 2017Q3, 2017Q1, 2018Q2, 2018Q3, 2018Q1, 2019Q2, 2019

Revenue

20.9m20.8m

Cost of goods sold

2.5k2.1k

Gross profit

20.9m20.8m

Gross profit Margin, %

100%100%

Sales and marketing expense

363.5k350.4k402.9k459.4k392.0k364.3k384.0k386.0k345.0k369.0k391.0k353.0k351.0k367.0k737.0k

Operating expense total

13.7m14.1m14.6m14.7m16.1m17.4m18.3m18.2m19.5m19.5m20.9m20.8m19.7m16.8m18.7m

Depreciation and amortization

76.8k78.8k90.6k93.5k94.7k119.0k120.0k131.0k140.0k142.0k119.0k116.0k103.0k96.0k

Interest expense

1.4m1.4m1.4m1.5m2.2m2.3m2.3m2.2m2.2m2.3m2.5m2.4m2.6m2.5m2.4m

Income tax expense

2.9m2.8m1.8m2.7m2.3m2.0m1.7m1.8m1.2m981.0k500.0k220.0k3.7m572.0k96.0k

Net Income

4.3m3.8m4.9m4.3m13.0m3.7m3.3m2.7m2.9m2.0m1.6m813.0k344.0k(2.9m)1.4m582.0k

Nicholas Financial Balance Sheet

Annual

USDFY, 2014FY, 2015FY, 2016FY, 2017FY, 2018

Cash

2.6m3.4m1.8m2.9m2.6m

Accounts Receivable

Inventories

PP&E

869.7k872.1k1.3m1.2m843.0k

Total Assets

283.4m302.5m325.3m333.6m284.2m

Accounts Payable

8.9m7.8m5.8m5.9m5.0m

Short-term debt

Long-term debt

127.9m199.0m211.0m213.0m165.8m

Total Debt

127.9m211.0m213.0m165.8m

Total Liabilities

141.5m222.5m224.8m175.7m

Retained Earnings

110.8m127.6m140.0m145.4m144.3m

Total Equity

141.9m89.9m102.8m108.9m108.4m

Debt to Equity Ratio

2 x1.5 x

Debt to Assets Ratio

0.6 x0.6 x

Financial Leverage

2 x3.4 x3.2 x3.1 x2.6 x

Nicholas Financial Cash Flow

Annual

USDFY, 2014FY, 2015FY, 2016FY, 2017FY, 2018

Net Income

16.7m16.9m12.4m5.4m(1.1m)

Depreciation and Amortization

317.5k366.3k458.0k492.0k469.0k

Accounts Receivable

Inventories

Accounts Payable

1.5m(1.1m)(2.0m)93.0k(932.0k)

Cash From Operating Activities

21.3m25.8m24.1m27.3m23.7m

Purchases of PP&E

(464.6k)(442.8k)(913.0k)(772.0k)(130.0k)

Cash From Investing Activities

(21.9m)(26.5m)(36.7m)(28.7m)23.3m

Cash From Financing Activities

376.3k1.5m11.0m2.4m(47.2m)

Quarterly

USDQ2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017Q2, 2017Q3, 2017Q1, 2018Q2, 2018Q3, 2018Q1, 2019Q2, 2019

Net Income

10.0m13.8m4.9m9.2m13.0m3.7m6.9m9.7m2.9m4.9m6.5m813.0k1.2m(1.7m)1.4m2.0m

Depreciation and Amortization

152.2k230.9k90.6k184.1k276.2k94.7k213.7k333.7k131.0k271.0k413.0k121.0k240.0k356.0k103.0k199.0k

Accounts Receivable

33.0k100.0k

Accounts Payable

(596.7k)(728.5k)(1.3m)(1.7m)(2.6m)258.3k(408.7k)(2.2m)712.0k(391.0k)1.6m(953.0k)(555.0k)(938.0k)505.0k(695.0k)

Cash From Operating Activities

10.8m15.8m7.0m11.4m17.5m8.6m11.9m17.4m9.1m13.2m23.9m6.5m12.6m18.6m5.2m9.2m

Purchases of PP&E

(178.9k)(273.5k)(118.0k)(308.9k)(377.9k)(164.7k)(743.7k)(877.7k)(418.0k)(619.0k)(728.0k)(117.0k)(139.0k)(143.0k)(15.0k)(30.0k)

Cash From Investing Activities

(12.1m)(13.1m)(10.2m)(13.2m)(19.1m)(13.8m)(25.0m)(31.3m)(5.0m)(10.0m)(25.6m)7.3m13.2m16.2m10.5m23.0m

Dividends Paid

(2.9m)(2.9m)

Cash From Financing Activities

3.0m(1.4m)2.9m4.2m1.7m3.0m11.3m13.5m(1.4m)(1.2m)3.5m(9.0m)(24.9m)(34.5m)(13.4m)(32.0m)

Nicholas Financial Ratios

USDY, 2018

EV/CFO

23.8 x

Financial Leverage

2.3 x
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Nicholas Financial Employee Rating

2.435 votes
Culture & Values
2.0
Work/Life Balance
1.8
Senior Management
1.8
Salary & Benefits
2.1
Career Opportunities
2.1
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