Nicholas Financial, Inc.

    Nicholas Financial, Inc.

    NNASDAQ:NICK
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    Share Statistics

    As of September 30, 2024, Nicholas Financial, Inc. has 6.65M shares outstanding.

    Shares Outstanding6.65M

    Valuation Ratios

    These figures are as of September 30, 2024. The price-to-sales ratio is -3.78, and the price-to-book ratio stands at 0.46.

    PS Ratio-3.78
    PB Ratio0.46
    P/TBV Ratio1.27
    P/FCF Ratio11.73
    P/OCF Ratio-246.45

    Enterprise Valuation

    As of September 30, 2024, Nicholas Financial, Inc. trades at an EV/EBITDA multiple of 28.98 - the valuation measure that neutralizes differences in capital structure, tax rates, and depreciation policy, making it the standard yardstick for comparing companies across an industry. The EV/Sales ratio of 21.20 reflects the premium investors pay for the company's revenue stream, a useful check when earnings are depressed or negative. Nicholas Financial, Inc. trades at an EV/FCF ratio of 4.98, comparing the total takeover cost of the business to the cash it actually generates for all capital providers.

    EV / Sales21.20
    EV / EBITDA28.98
    EV / FCF4.98

    Financial Position

    These figures are as of September 30, 2024.

    Debt / Equity0.95
    Debt / EBITDA0.83

    Financial Efficiency

    Over the twelve months ended September 30, 2024, Nicholas Financial, Inc. posted a negative return on equity (ROE) of -12.85, meaning shareholder capital produced losses rather than profits. Return on assets (ROA) is negative at -19.98, reflecting losses generated across the asset base.

    Return on Equity (ROE)-12.85
    Return on Assets (ROA)-19.98

    Margins

    Over the twelve months ended September 30, 2024, Nicholas Financial, Inc. posted a gross margin of 100.00, reflecting its pricing power and cost economics.

    Gross Margin100.00
    Pretax Margin157.75
    Profit Margin133.60
    EBITDA Margin-5.53

    Dividends & Yields

    These figures cover the twelve months ended September 30, 2024. Free cash flow yield stands at 8.52, showing how much cash the business generates relative to its market value - dividends covered by free cash flow are generally more durable than those funded by debt. Total shareholder yield reaches 21.49, combining dividends paid with share buybacks and debt reduction for a fuller picture of capital returned to Nicholas Financial, Inc. shareholders.

    Shareholder Yield21.49
    FCF Yield8.52

    Stock Splits

    Nicholas Financial, Inc.'s most recent stock split took place on November 18, 2009 with a 10:11 split ratio.

    Last Split Date11/18/2009
    Split Ratio10:11

    Scores

    As of September 30, 2024, Nicholas Financial, Inc. has an Altman Z-Score of 3.17, well above the 3.0 threshold that indicates strong financial health and minimal bankruptcy risk.

    Altman Z-Score3.17