Nicholas Financial, Inc. Financial Ratios — NICK Stock

Profitability (USD)

	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
As of date	03/31/2010	03/31/2011	03/31/2012	03/31/2013	03/31/2014	03/31/2015	03/31/2016	03/31/2017	03/31/2018	03/31/2019	03/31/2020	03/31/2021	03/31/2022	03/31/2023	03/31/2024

Return on Common Equity (%)	15.55	17.91	17.74	15.21	12.42	11.15	7.42	3.07	-0.61	-2.06	1.96	4.56	1.58	-19.64	-14.24
Return on Assets (%)	5.28	7.33	8.89	7.66	6.1	5.75	3.94	1.64	-0.36	-1.37	1.41	3.7	1.51	-23.22	-24.45
Return on Capital (%)	8.05	9.8	9.25	7.98	6.4	5.36	3.33	1.39	-0.3	- -	- -	2.85	1.12	- -	- -
Return on Invested Capital (%)	6.83	9.09	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	99.97	99.98	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	42.24	47.69	0.38	0.37	0.41	0.45	0.56	0.6	0.64	0.61	4.3	3.67	4.03	0.97	-2.94
Operating Margin (%)	41.62	47.3	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	-955.94	65.55	-462.74	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	33.72	39.77	47.8	42.47	36.73	32.44	24.62	10.73	4.29	-7.42	4.19	21.87	9.11	-80.94	728.33
Profit Margin (%)	20.76	24.44	29.38	26.07	21.51	20.95	15.16	6.64	-1.49	-5.9	6.47	16.69	6.75	-84.44	728.33
Net Income to Common Margin (%)	20.76	24.44	29.38	26.07	21.51	20.95	15.16	6.64	-1.49	-5.9	6.47	16.69	6.75	-84.44	728.33
Effective Tax Rate (%)	38.45	38.55	38.53	38.62	41.43	35.41	38.43	38.11	134.71	- -	- -	23.71	25.9	- -	- -
Dvd Payout Ratio (%)	- -	- -	16.17	149.66	17.07	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Sustainable Growth Rate (%)	15.55	17.91	14.87	-7.55	10.3	11.15	7.42	3.07	-0.61	-2.06	1.96	4.56	1.58	-19.64	-14.24

Credit (USD)

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	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
As of date	03/31/2010	03/31/2011	03/31/2012	03/31/2013	03/31/2014	03/31/2015	03/31/2016	03/31/2017	03/31/2018	03/31/2019	03/31/2020	03/31/2021	03/31/2022	03/31/2023	03/31/2024

Total Debt	107	118	112	126	128	199	211	213	166	143	127	93	62	29	- -
ST Debt	107	118	112	126	128	199	211	213	166	143	124	86	55	29	- -
LT Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	3	7	8	- -	- -
Total Debt/EBITDA	4.85	3.61	389.11	440.98	402.2	543.72	460.7	432.93	353.37	375.31	55.06	50.5	34.92	74.65	- -
Net Debt/EBITDA	4.78	3.54	379.37	431.15	393.91	534.46	456.66	427.12	347.77	281.64	46.62	36.68	29.78	73.03	-225.98
Total Debt/EBIT	4.92	3.64	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	4.85	3.57	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	4.28	5.84	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	4.24	5.77	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	4.21	5.79	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	5	6	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	33.66	47.29	52.72	48.12	50.08	52.99	53.27	53.75	63.7	69.47	74.96	88.29	103.93	141.92	226.67
Long-Term Debt/Equity (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.47	5.74	6.58	0.22	- -
Long-Term Debt/Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.87	2.36	3.02	0.09	- -
Long-Term Debt/Total Assets (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.11	3.11	4.17	0.16	- -
Total Debt/Equity (%)	110.1	102.42	82.8	98.85	90.11	221.39	205.16	195.66	152.84	135.98	117.97	80.51	53.67	36.48	- -
Total Debt/Capital (%)	59.81	50.6	45.3	49.71	47.4	55.39	54.9	54.29	48.09	44.85	41.48	33.09	24.67	15.68	- -
Total Debt/Total Assets (%)	50.1	48.43	43.65	47.57	45.13	65.78	64.86	63.85	59.01	56.5	53.14	43.67	34.03	26.38	- -
Net Debt to Equity	108.52	100.67	80.73	96.64	88.25	217.62	203.36	193.04	150.41	102.04	99.88	58.47	45.78	35.69	-32.26
Net Debt/Capital (%)	59.47	50.17	44.67	49.15	46.88	54.96	54.69	53.96	47.69	37.9	37.17	26.08	21.44	15.37	-16.27
EBITDA	22	33	- -	- -	- -	- -	- -	- -	- -	- -	2	2	2	- -	- -
EBITDA-CapEx	22	32	- -	- -	- -	- -	- -	- -	- -	- -	2	1	- -	- -	- -
Operating Income (Loss)	22	32	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
As of date	03/31/2010	03/31/2011	03/31/2012	03/31/2013	03/31/2014	03/31/2015	03/31/2016	03/31/2017	03/31/2018	03/31/2019	03/31/2020	03/31/2021	03/31/2022	03/31/2023	03/31/2024

Cash Ratio	0.01	0.02	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	1.79	1.83	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	1.78	0.02	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	0.19	0.18	0.34	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	33.66	47.29	52.72	48.12	50.08	52.99	53.27	53.75	63.7	69.47	74.96	88.29	103.93	141.92	226.67
Long-Term Debt/Equity (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.47	5.74	6.58	0.22	- -
Long-Term Debt/Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.87	2.36	3.02	0.09	- -
Long-Term Debt/Total Assets (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.11	3.11	4.17	0.16	- -
Total Debt/Equity (%)	110.1	102.42	82.8	98.85	90.11	221.39	205.16	195.66	152.84	135.98	117.97	80.51	53.67	36.48	- -
Total Debt/Capital (%)	59.81	50.6	45.3	49.71	47.4	55.39	54.9	54.29	48.09	44.85	41.48	33.09	24.67	15.68	- -
Total Debt/Total Assets (%)	50.1	48.43	43.65	47.57	45.13	65.78	64.86	63.85	59.01	56.5	53.14	43.67	34.03	26.38	- -
CFO/Total Liabilities	18.27	16.63	18.03	18.74	15.1	11.52	10.07	12.16	14.59	9.52	7.99	14.82	5.19	-7.14	183.43
CFO/CapEx	102.2	54.24	68.24	94.63	45.95	55.29	24.54	35.39	193.48	61.6	80.65	23.42	2.66	-36.98	140.54
Altman's Z-Score	1.98	2.36	1.61	1.56	1.63	1.33	1.08	1.07	1.23	1.32	1.28	1.74	2.13	2.79	31.96

Working Capital (USD)

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	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
As of date	03/31/2010	03/31/2011	03/31/2012	03/31/2013	03/31/2014	03/31/2015	03/31/2016	03/31/2017	03/31/2018	03/31/2019	03/31/2020	03/31/2021	03/31/2022	03/31/2023	03/31/2024

Accounts Receivable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	54	21.99	17.7	18.37	19.31	19.03	-2.96
Days Sales Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	6.76	16.6	20.62	19.87	18.9	19.18	-123.46
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	135,828.1	202,721.09	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	-135,828.1	-202,721.09	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

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	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
As of date	03/31/2010	03/31/2011	03/31/2012	03/31/2013	03/31/2014	03/31/2015	03/31/2016	03/31/2017	03/31/2018	03/31/2019	03/31/2020	03/31/2021	03/31/2022	03/31/2023	03/31/2024

Market Capitalization	80	131	147	173	190	168	83	82	71	71	45	81	79	45	49
- Cash & Cash Equivalents	2	2	3	3	3	3	2	3	3	36	17	22	5	- -	19
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	107	118	112	126	128	199	211	213	166	143	127	93	62	29	- -
Enterprise Value	186	247	256	296	316	364	293	292	234	178	155	152	136	74	30
Total Capital	179	233	247	252	270	359	384	392	345	318	306	280	253	186	136
Total Debt/Capital (%)	59.81	50.6	45.3	49.71	47.4	55.39	54.9	54.29	48.09	44.85	41.48	33.09	24.67	15.68	- -
Total Debt / EV	0.58	0.48	0.44	0.42	0.41	0.55	0.72	0.73	0.71	0.8	0.82	0.61	0.46	0.39	- -
EV/Sales	3.56	3.6	3.39	3.87	4.06	4.52	3.58	3.59	3.18	2.89	2.89	3.03	3.07	1.82	- -
EV/EBITDA	8.42	7.56	890.95	1,040.29	992.25	994.3	638.93	594.07	499.45	469.47	67.28	82.59	76.29	189.07	360.13
EV/EBIT	8.55	7.62	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	7.6	9.97	11.72	11.54	14.77	14.86	13.06	10.7	9.31	12.7	14.79	10.53	39.14	- -	16.56
EV/Free Cash Flow to Firm	7.53	9.81	11.55	11.42	14.45	14.59	12.55	10.4	9.27	12.5	14.61	10.1	28.44	- -	16.44
Diluted Market Cap	82	134	151	177	194	171	84	83	71	71	45	81	79	45	49
Diluted Enterprise Value	188	250	260	300	319	366	293	293	234	178	155	152	136	74	30
EV per Share	16.23	21.3	21.83	24.72	26.09	30.29	37.82	37.83	29.87	22.5	20.14	19.8	17.75	10.06	4.15
TTM Sales	52	69	76	76	78	80	82	81	74	62	54	50	44	40	-3
TTM EBITDA	22	33	- -	- -	- -	- -	- -	- -	- -	- -	2	2	2	- -	- -
TTM Operating Income	22	32	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	25	25	22	26	21	24	22	27	25	14	10	14	3	-2	2
TTM Free Cash Flow to Firm	25	25	22	26	22	25	23	28	25	14	11	15	5	-2	2

Multiples (USD)

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	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
As of date	03/31/2010	03/31/2011	03/31/2012	03/31/2013	03/31/2014	03/31/2015	03/31/2016	03/31/2017	03/31/2018	03/31/2019	03/31/2020	03/31/2021	03/31/2022	03/31/2023	03/31/2024

Price/Free Cash Flow	3.81	6.18	6.8	6.82	8.88	6.85	3.6	2.97	2.81	5	4.24	5.39	16.42	-21.23	26.76
EV/EBIT	8.55	7.62	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	186	247	256	296	316	364	293	292	234	178	155	152	136	74	30
Low Price	2.35	7.4	9.08	11.71	13.6	10.64	9.92	8.56	7.59	8.36	4.76	4.95	9.5	5.06	4.37
EV/Sales	3.56	3.6	3.39	3.87	4.06	4.52	3.58	3.59	3.18	2.89	2.89	3.03	3.07	1.82	- -
EV/EBITDA	8.42	7.56	890.95	1,040.29	992.25	994.3	638.93	594.07	499.45	469.47	67.28	82.59	76.29	189.07	360.13
Price/Earnings	7.41	7.83	6.63	8.69	11.39	9.98	6.74	15.19	- -	- -	12.98	9.7	26.28	- -	- -
Price/Earnings Average	5.79	6.22	5.95	7.59	11.18	9.79	7.77	15.1	-63.69	-22.14	19.29	7.32	28.99	-1.67	-1.97
Price/Earnings High	8.29	8.99	7.62	9.1	12.46	11.3	9.06	17.86	-79.64	-27.17	22.08	10.54	32.05	-2.31	-2.61
Price/Earnings Low	2.48	5.12	4.8	7.03	9.85	7.58	6.2	12.23	-54.21	-18.17	10.58	4.54	24.36	-1.09	-1.53
Price/Book Value	1.12	1.14	1.09	1.37	1.34	1.05	0.48	0.46	0.4	0.41	0.25	0.43	0.41	0.29	0.36
Price/Book Value Average	0.87	0.91	0.98	1.19	1.32	1.03	0.56	0.46	0.39	0.46	0.37	0.33	0.46	0.36	0.3
Price/Book Value High	1.25	1.31	1.25	1.43	1.47	1.19	0.65	0.54	0.49	0.57	0.43	0.47	0.5	0.5	0.4
Price/Book Value Low	0.37	0.75	0.79	1.1	1.16	0.8	0.44	0.37	0.33	0.38	0.2	0.2	0.38	0.24	0.23
Price/Tangible Book Value	0.83	1.14	1.09	1.37	1.34	1.87	0.81	0.75	0.66	0.68	0.42	0.7	0.68	0.56	0.84
Price/Tangible Book Value Average	0.65	0.91	0.98	1.19	1.32	1.83	0.94	0.75	0.64	0.77	0.62	0.53	0.75	0.71	0.7
Price/Tangible Book Value High	0.92	1.31	1.25	1.43	1.47	2.12	1.09	0.89	0.81	0.95	0.71	0.76	0.83	0.99	0.92
Price/Tangible Book Value Low	0.28	0.75	0.79	1.1	1.16	1.42	0.75	0.61	0.55	0.63	0.34	0.33	0.63	0.46	0.54
Price/Sales	1.54	1.91	1.95	2.27	2.45	2.09	1.02	1.01	0.96	1.15	0.84	1.62	1.77	1.12	-17.24
Price/Sales Average	1.2	1.52	1.75	1.98	2.4	2.05	1.18	1	0.95	1.31	1.25	1.22	1.96	1.41	-14.34
Price/Sales High	1.72	2.2	2.24	2.37	2.68	2.37	1.37	1.19	1.19	1.6	1.43	1.76	2.16	1.95	-19
Price/Sales Low	0.51	1.25	1.41	1.83	2.12	1.59	0.94	0.81	0.81	1.07	0.68	0.76	1.64	0.92	-11.14
Price/Cash Flow	3.77	6.14	6.73	6.76	8.91	6.87	3.73	3.01	2.83	5.08	4.29	5.62	22.6	-20.66	26.95
Price/Cash Flow Average	2.95	4.89	6.04	5.9	8.74	6.73	4.29	2.99	2.78	5.75	6.38	4.24	24.92	-26.04	22.41
Price/Cash Flow High	4.22	7.05	7.74	7.08	9.74	7.77	5	3.54	3.48	7.06	7.3	6.11	27.56	-36.11	29.7
Price/Cash Flow Low	1.26	4.02	4.88	5.47	7.7	5.22	3.43	2.42	2.37	4.72	3.5	2.63	20.94	-17	17.42
Price/Free Cash Flow Average	2.97	4.91	6.1	5.96	8.71	6.71	4.15	2.95	2.77	5.66	6.3	4.07	18.11	-26.76	22.25
Price/Free Cash Flow High	4.26	7.1	7.81	7.14	9.71	7.75	4.84	3.49	3.46	6.95	7.21	5.86	20.02	-37.12	29.49
Price/Free Cash Flow Low	1.27	4.05	4.92	5.52	7.68	5.2	3.31	2.39	2.35	4.65	3.45	2.53	15.22	-17.47	17.3
EV/Sales Average	3.22	3.21	3.19	3.58	4.02	4.48	3.74	3.58	3.16	3.04	3.3	2.64	3.26	2.12	- -
EV/Sales High	3.74	3.89	3.68	3.98	4.29	4.8	3.93	3.77	3.4	3.34	3.48	3.17	3.46	2.66	- -
EV/Sales Low	2.53	2.94	2.85	3.44	3.73	4.02	3.5	3.39	3.02	2.8	2.74	2.17	2.94	1.63	- -
EV/EBITDA Average	7.63	6.73	838.34	963.25	980.95	985.11	666.7	593.09	496.89	494.23	76.78	71.79	80.83	219.16	261.49
EV/EBITDA High	8.86	8.15	967.46	1,068.73	1,048.16	1,054.69	701.44	623.44	534.23	542.51	80.98	86.43	85.96	275.53	419.96
EV/EBITDA Low	6	6.17	749.94	923.96	911.23	883.69	624.24	561.56	474.7	456.11	63.67	59.15	73.07	168.59	152.91
EV/EBIT Average	7.74	6.79	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	8.99	8.22	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	6.09	6.22	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	7.01	11.31	12.54	14.47	15.73	14.01	10.79	10.63	9.07	9	5.84	10.57	10.25	6.15	6.76
High Price	7.85	12.98	14.41	15.15	17.2	15.85	14.49	12.5	11.15	12.5	9.94	11.49	12.5	10.75	7.45
Enterprise Value Average	169	220	241	274	312	361	305	292	233	188	177	132	145	85	22
Enterprise Value High	196	267	278	304	333	386	321	307	251	206	187	159	154	107	35
Enterprise Value Low	133	202	216	263	290	323	286	276	223	173	147	109	131	66	13

Shares Outstanding	12	12	12	12	12	8	8	8	8	8	8	8	8	7	7
Diluted Weighted Avg Shares	12	12	12	12	12	12	8	8	8	8	8	8	8	7	7
Basic Weighted Avg Shares	11	12	12	12	12	12	8	8	8	8	8	8	8	7	7
Revenue per Share	4.56	5.91	6.44	6.39	6.42	6.7	10.56	10.54	9.41	7.79	6.96	6.53	5.78	5.51	-0.39
EBITDA per Share	1.93	2.82	0.02	0.02	0.03	0.03	0.06	0.06	0.06	0.05	0.3	0.24	0.23	0.05	0.01
Operating Income per Share	1.9	2.8	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	0.95	1.44	1.89	1.66	1.38	1.4	1.6	0.7	-0.14	-0.46	0.45	1.09	0.39	-4.65	-2.86
Basic EPS from Cont Ops	0.95	1.44	1.89	1.66	1.38	1.4	1.6	0.7	-0.14	-0.46	0.45	1.09	0.39	-4.65	-2.86
Diluted EPS, GAAP	0.93	1.41	1.85	1.63	1.36	1.38	1.59	0.69	-0.14	-0.46	0.45	1.09	0.39	-4.65	-2.86
Diluted EPS from Cont Ops	0.93	1.41	1.85	1.63	1.36	1.38	1.59	0.69	-0.14	-0.46	0.45	1.09	0.39	-4.65	-2.86
Dividend per Share	- -	- -	0.31	2.49	0.24	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Flow per Share	1.86	1.84	1.86	2.14	1.77	2.04	2.9	3.54	3.21	1.77	1.36	1.88	0.45	-0.3	0.25
Free Cash Flow per Basic Share	1.84	1.81	1.83	2.12	1.73	2	2.78	3.44	3.19	1.74	1.34	1.8	0.28	-0.31	0.25
Cash & Equivalents per Share	0.13	0.17	0.24	0.23	0.22	0.28	0.24	0.37	0.33	4.49	2.18	2.87	0.62	0.06	2.61
Book Value per Share	6.28	9.93	11.51	10.6	11.73	13.34	22.4	23.21	22.81	22.11	23.24	24.48	24.82	21.36	18.62
Tangible Book Value per Share	8.49	9.93	11.51	10.6	11.73	7.48	13.29	14.09	13.83	13.23	13.97	15.04	15.14	10.89	8.08

Nicholas Financial, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)