Nicholas Financial Inc chart

Last update: 2022-12-30
Key statistics and financials
Revenue per share 3.76
Dividend & YieldN/A$ (N/A)
Beta 0.63
Market capitalization 47.67M
Operating cash flow 1.04M
ESG Scores unknown

Company description

Nicholas Financial, Inc. operates as a consumer finance company in the United States. The company engages in acquiring and servicing automobile finance installment contracts for the purchase of new and used automobiles and light trucks. It also originates direct consumer loans and sells consumer-finance related products. As of March 31, 2022, the company operated 47 branch offices located in Alabama, Florida, Georgia, Idaho, Illinois, Indiana, Kentucky, Michigan, Missouri, Nevada, North Carolina, Nevada, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, Utah, and Wisconsin. Nicholas Financial, Inc. was founded in 1985 and is headquartered in Clearwater, Florida.

Sector: Financial Services - Industry: Credit Services

Financial data

Financial Statements

Cashflow Statement 2019-03-31 2020-03-31 2021-03-31 2022-03-31
Change To Liabilities -2.05M -534k -373k 627k
Total Cashflows From Investing Activities 44.16M -3.68M 30.08M 3.86M
Net Borrowings -20.75M -18.17M -35.29M -33.3M
Total Cash From Financing Activities -23.19M -19.77M -36.19M -35.55M
Change To Operating Activities -110k 304k -145k 168k
Issuance Of Stock 16k 5k 28k 28k
Net Income -3.65M 3.47M 8.35M 3M
Change In Cash 35.02M -12.96M 8.29M -28.2M
Effect Of Exchange Rate
Total Cash From Operating Activities 14.04M 10.48M 14.4M 3.49M
Depreciation 380k 2.31M 1.84M 1.79M
Change To Account Receivables
Other Cashflows From Financing Activities -2.45M -623k -217k -217k
Change To Netincome 19.77M 8.03M -820k -3.9M
Capital Expenditures -228k -130k -615k -1.31M

Income Statement 2019-03-31 2020-03-31 2021-03-31 2022-03-31
Research Development
Income Before Tax -4.59M 2.25M 10.95M 4.05M
Net Income -3.65M 3.47M 8.35M 3M
Selling General Administrative 33.17M 33.74M 31.6M 34M
Gross Profit 35.36M 36.68M 42.79M 38.45M
Ebit
Operating Income 1.81M 2.54M 10.95M 4.05M
Interest Expense
Income Tax Expense -940k -1.22M 2.6M 1.05M
Total Revenue 35.36M 36.68M 42.79M 38.45M
Cost Of Revenue
Total Other Income ExpenseNet -6.4M -295k
Net Income From Continuing Ops -3.65M 3.47M 8.35M 3M
Net Income Applicable To Common Shares -3.65M 3.43M 8.31M 2.98M

Balance Sheet Statement 2019-03-31 2020-03-31 2021-03-31 2022-03-31
Total Liabilities 147.53M 131.24M 97.22M 67.18M
Total Stockholder Equity 104.89M 107.58M 115.22M 116.39M
Other Current Liabilities
Total Assets 252.42M 238.82M 212.44M 183.57M
Common Stock 34.66M 34.87M 35.06M 35.29M
Other Current Assets 3.42M 9.01M 12.23M 1.1M
Retained Earnings 140.68M 144.15M 152.5M 155.5M
Treasury Stock -70.46M -71.44M -72.34M -74.41M
Cash 35.59M 16.8M 22.02M 4.78M
Total Current Liabilities 4.92M 4.33M 4.45M 6.34M
Other Stockholder Equity
Property, Plant, and Equipment 532k 2.94M 4.13M 5.89M
Total Current Assets 242.72M 230.49M 205.22M 175.47M
Net Tangible Assets 104.76M 107.44M 115.1M 116.21M
Net Receivables 203.7M 204.68M 170.97M 169.59M
Accounts Payable 4.92M 4.33M 4.45M 4.72M


Insider Transactions

Here are the insider transactions of stock shares related to Nicholas Financial Inc:

Filer Name Transaction Text Ownership Date Filer Relation Shares
ROYAL JEFFREY CPurchase at price 6.51 - 6.57 per share.D2022-11-21Director17.5k
ROYAL JEFFREY CPurchase at price 6.70 per share.D2022-11-17Director2.5k
KEATING BRENDAN JOSEPHStock Award(Grant) at price 0.00 per share.D2022-08-30Director2.26k
PETERSON ADAM KPurchase at price 8.84 per share.I2022-08-30Director and Beneficial Owner of more than 10% of a Class of Security2.26k
ZHU JEREMY QINLIStock Award(Grant) at price 0.00 per share.D2022-08-30Director2.26k
ROYAL JEFFREY CStock Award(Grant) at price 0.00 per share.D2022-08-30Director2.26k
HUTCHINS MARK R.Stock Award(Grant) at price 0.00 per share.D2022-08-30Director2.26k
PETERSON ADAM KPurchase at price 9.70 per share.I2022-05-27Director and Beneficial Owner of more than 10% of a Class of Security8.11k
PETERSON ADAM KPurchase at price 11.79 per share.I2022-02-16Director and Beneficial Owner of more than 10% of a Class of Security2.48k
PETERSON ADAM KPurchase at price 11.35 - 11.49 per share.I2022-02-11Director and Beneficial Owner of more than 10% of a Class of Security16.5k
NASHTATIK IRINAStock Award(Grant) at price 0.00 per share.D2022-02-03Chief Financial Officer700
NASHTATIK IRINAPurchase at price 11.00 per share.D2022-02-03Chief Financial Officer700
MAROHN DOUGLAS WStock Award(Grant) at price 0.00 per share.D2022-02-02Chief Executive Officer515
MAROHN DOUGLAS WPurchase at price 11.16 per share.D2022-02-02Chief Executive Officer515
KEATING BRENDAN JOSEPHPurchase at price 11.80 per share.I2021-12-02Director2.1k
KEATING BRENDAN JOSEPHPurchase at price 11.67 per share.I2021-11-30Director1.54k
KEATING BRENDAN JOSEPHPurchase at price 12.00 per share.D2021-11-29Director479
KEATING BRENDAN JOSEPHPurchase at price 12.00 per share.I2021-11-26Director1.1k
KEATING BRENDAN JOSEPHPurchase at price 11.92 per share.I2021-11-19Director1.65k
KEATING BRENDAN JOSEPHPurchase at price 11.84 per share.I2021-11-18Director2k
KEATING BRENDAN JOSEPHPurchase at price 11.96 - 12.05 per share.I2021-11-17Director7k
ROYAL JEFFREY CPurchase at price 11.90 per share.D2021-11-17Director1.05k
KEATING BRENDAN JOSEPHPurchase at price 12.20 per share.D2021-11-15Director4k
PETERSON ADAM KPurchase at price 12.00 - 12.14 per share.I2021-11-11Director and Beneficial Owner of more than 10% of a Class of Security7.78k
MAROHN DOUGLAS WStock Award(Grant) at price 0.00 per share.D2021-11-10Chief Executive Officer2k
MAROHN DOUGLAS WPurchase at price 12.00 per share.D2021-11-10Chief Executive Officer2k
ROYAL JEFFREY CPurchase at price 12.05 per share.D2021-11-10Director1.32k
KEATING BRENDAN JOSEPHStock Award(Grant) at price 0.00 per share.D2021-10-07Director1.63k
HUTCHINS MARK R.Stock Award(Grant) at price 0.00 per share.D2021-10-07Director1.63k
HASTINGS ROBIN JStock Award(Grant) at price 0.00 per share.D2021-09-02Director1.69k
PETERSON ADAM KPurchase at price 11.85 per share.I2021-09-02Director and Beneficial Owner of more than 10% of a Class of Security1.69k
ZHU JEREMY QINLIStock Award(Grant) at price 0.00 per share.D2021-09-02Director1.69k
ROYAL JEFFREY CStock Award(Grant) at price 0.00 per share.D2021-09-02Director1.69k
PETERSON ADAM KPurchase at price 11.35 - 11.49 per share.I2021-08-18Director and Beneficial Owner of more than 10% of a Class of Security87k
PETERSON ADAM KPurchase at price 11.40 - 11.41 per share.I2021-08-12Director and Beneficial Owner of more than 10% of a Class of Security34.32k
PETERSON ADAM KPurchase at price 11.33 - 11.40 per share.I2021-08-09Director and Beneficial Owner of more than 10% of a Class of Security24.7k
PETERSON ADAM KPurchase at price 11.06 - 11.32 per share.I2021-08-05Director and Beneficial Owner of more than 10% of a Class of Security55.92k
MAROHN DOUGLAS WStock Award(Grant) at price 0.00 per share.D2021-08-03Chief Executive Officer2.3k
MAROHN DOUGLAS WPurchase at price 10.99 per share.D2021-08-03Chief Executive Officer2.3k
PETERSON ADAM KPurchase at price 11.25 per share.I2021-06-25Director and Beneficial Owner of more than 10% of a Class of Security3.31k
MAROHN DOUGLAS WStock Award(Grant) at price 0.00 per share.D2021-06-09Chief Executive Officer2.22k
MAROHN DOUGLAS WPurchase at price 11.37 per share.D2021-06-09Chief Executive Officer2.22k
PETERSON ADAM KPurchase at price 11.14 per share.I2021-06-09Director and Beneficial Owner of more than 10% of a Class of Security18.05k
PETERSON ADAM KPurchase at price 10.98 per share.I2021-06-07Director and Beneficial Owner of more than 10% of a Class of Security66.9k
PETERSON ADAM KPurchase at price 10.39 - 10.93 per share.I2021-02-08Director and Beneficial Owner of more than 10% of a Class of Security15.65k
PETERSON ADAM KPurchase at price 10.39 - 10.93 per share.I2021-02-08Director and Beneficial Owner of more than 10% of a Class of Security15.65k
MAROHN DOUGLAS WStock Award(Grant) at price 0.00 per share.D2021-02-05Chief Executive Officer520
MAROHN DOUGLAS WPurchase at price 10.80 per share.D2021-02-05Chief Executive Officer520
ROYAL JEFFREY CPurchase at price 7.22 per share.D2020-12-02Director1k
ROYAL JEFFREY CPurchase at price 7.50 per share.D2020-12-01Director2k
MAROHN DOUGLAS WStock Award(Grant) at price 0.00 per share.D2020-11-30Chief Executive Officer500

Insider transaction explanations

Insider buying is the legal purchase of shares by a senior executive or director of a company. "Filer Name" corresponds to the name of the stock buyer or seller. "Transaction Text" describes the transaction. "Ownership" gives information about the transaction type. "Date" is the reported transaction date. "Filer Relation" gives the role of the insider in the company. "Shares" is the value of the transaction. You will find the complete description of the General Transaction Codes on the SEC dedicated page


Investment strategy backtesting

These are the result of three automatic investment systems applied to Nicholas Financial Inc. You will find the performance of an systematic investment system, a momentum strategy, and a buy the dip trading strategy.


Systematic investment results on Nicholas Financial Inc

Here is the result of two systematic investment strategies applied to Nicholas Financial Inc. The first strategy automatically buys the first day of the month, and the second strategy buys the fifteenth day of the month.

Systematic investment equity curve on Nicholas Financial Inc

The following chart shows the equity curve of the two systematic investment strategies applied to Nicholas Financial Inc:

Nicholas Financial Inc automated entries

The systematic investment strategy that buys the first day of the month would give a performance of 43.41% on the backtest period.

Performance at glance

Performance

43.41 %

Latent gain

976.3 $

Invested capital

2249.06 $

Annualized return

10.49 %
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Momentum strategy results on Nicholas Financial Inc

This is the result of two momentum investment strategies applied to Nicholas Financial Inc. The first strategy uses a momentum signal calculated on one quarter, and the second uses a momentum signal calculated on two quarters.

Momentum entry openings on Nicholas Financial Inc

The following chart shows all the entries opened by the momentum investment system on Nicholas Financial Inc:

Nicholas Financial Inc momentum entries
  • The first momentum investment strategy would give 38.58% of return on Nicholas Financial Inc. That represents 2028.07$ of latent gain with 5256.17$ of employed capital.
  • The second momentum investment strategy would give 43.24% of return on Nicholas Financial Inc. That represents 1626.5$ of latent gain with 3761.18$ of employed capital.
Performance at glance (1Q Momentum)

Performance

38.58 %

Latent gain

2028.07 $

Invested capital

5256.17 $

Annualized return

30.92 %
Performance at glance (2Q Momentum)

Performance

43.24 %

Latent gain

1626.5 $

Invested capital

3761.18 $

Annualized return

11.81 %

Momentum equity curve on Nicholas Financial Inc

The following chart shows the equity curve of the two momentum strategies applied to Nicholas Financial Inc:

Nicholas Financial Inc momentum equity

Note: the dividends potentially given by Nicholas Financial Inc are not integrated into the calculation of the equity curve neither the performance of the strategy. The integration of the dividends will be available soon.


Employed capital on Nicholas Financial Inc

The following chart shows the employed capital evolution of the two momentum strategies on Nicholas Financial Inc since the beginning:

Nicholas Financial Inc

Note: the algorithm buys for a maximum of 250$ per entry. If the stock price is greater than 250$, the system buys only one stock per entry. The investment system stops automatically when the financial exposure reaches 10000$.


Buy the dip strategy result on Nicholas Financial Inc

Buy the dip entry openings on Nicholas Financial Inc

Nicholas Financial Inc

The performance achieved by the robo-advisor on Nicholas Financial Inc is 66.16%. That represents 163.54$ of latent gain with 247.18$ of employed capital. The following chart shows Nicholas Financial Inc stock price with all the entries opened by the automated investment system.

Note: The blue line represents the weekly stock price of Nicholas Financial Inc, and the green triangles represent the entry openings. The artificall robo-advisor needs at least 100 weeks of trading history to work.

Performance at glance

Performance

66.16 %

Latent gain

163.54 $

Invested capital

247.18 $

Annualized return

30.92 %

Equity curve of the strategy applied to Nicholas Financial Inc

The following chart shows the result of the investment strategy applied to Nicholas Financial Inc:

Nicholas Financial Inc

Note: the dividends potentially given by Nicholas Financial Inc are not integrated into the calculation of the equity curve neither the performance of the strategy. The integration of the dividends will be available soon.


Employed capital on Nicholas Financial Inc

The following chart shows the employed capital evolution since the beginning of the investment strategy on Nicholas Financial Inc:

Nicholas Financial Inc

Note: the algorithm buys for a maximum of 250$ per entry. If the stock price is greater than 250$, the system buys only one stock per entry. The investment system stops automatically when the financial exposure reaches 10000$.


Investment strategies comparison on Nicholas Financial Inc

In this section, I will compare the three previous investment strategies applied to Nicholas Financial Inc.

Equity curve comparison on Nicholas Financial Inc

The following chart shows the equity curve of the artificall advisor, the trend folowing and the automatic investment strategies:

Nicholas Financial Inc investment strategy comparison

Employed capital comparison on Nicholas Financial Inc

Nicholas Financial Inc investment comparison

Performance comparison on Nicholas Financial Inc

Strategy Latent Profit Growth Employed capital CAGR
Automatic investment 43.41% 976.3$ 2249.06$ 10.49%
Momentum 1 quarter 38.58% 2028.07$ 5256.17$ 9.89%
Momentum 2 quarters 43.24% 1626.5$ 3761.18$ 11.81%
Non-directional 66.16% 163.54$ 247.18$ 30.92%
Annualized return comparison

Automatic investment

10.49 %

Momentum 1Q

11.81 %

Momentum 2Q

11.81 %

Non-directional

30.92 %

Correlated stocks

Here are the most positively and negatively correlated stocks with Nicholas Financial Inc:

Positive correlations

Most correlated stocks this year

  • Nicholas Financial Inc

  • Most correlated stocks last 3 months

  • Nicholas Financial Inc
  • CHTC FONGS INT
  • GRAND

  • Negative correlation

    Most negatively correlated stocks this year


    Most negatively correlated stocks last 3 months


    Note: The algorithm computes the probability of correlation between Nicholas Financial Inc and the other stocks. There may be false positives or some missing correlated stocks. If the price of Nicholas Financial Inc does not vary for 36 weeks, the correlation calculation result will be wrong.


    Company information

    Company name Nicholas Financial Inc
    Country United States
    City Clearwater
    Address Building C
    Phone 727 726 0763
    Website www.nicholasfinancial.com
    FullTime employees 211
    Industry Credit Services
    Sector Financial Services
    Exchange XNAS
    Ticker NICK
    Market www.nasdaq.com

    Nicholas Financial Inc ESG Scores

    Environment scores

    Environment ESG Factors Scores
    Environment Score 0
    Peer Environment Performance unknown
    Environment Percentile unknown
    Palm Oil unknown
    Nuclear unknown
    Fur Leather unknown
    GMO unknown
    Coal unknown
    Pesticides unknown
    Animal Testing unknown

    Social scores

    Social ESG Factors Scores
    Social Score 0
    Peer Social Performance unknown
    Social Percentile unknown
    Highest Controversy unknown
    Peer Highest Controversy Performance unknown
    Adult unknown
    Gambling unknown
    Alcoholic unknown
    Tobacco unknown
    Catholic unknown
    Controversial Weapons unknown
    Small Arms unknown
    Military Contract unknown
    Peer Count unknown

    Related Controversy:


    Governance scores

    Governance ESG Factors Scores
    Governance Score 0
    Peer Governance Performance unknown
    Governance Percentile unknown

    ESG at glance
    Total ESG Scores: unknown
    Environment Score: 0
    Social Score: 0
    Governance Score: 0

    ESG Performance: unknown

    Peer Group: unknown

    Peer Esg Score Performance: unknown

    Rating Year: unknown

    Rating Month: unknown

    Max Age: unknown

    Percentile: unknown