Stock NICK NICHOLAS FINANCIAL, INC.
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Financials Nicholas Financial, Inc.

Equities

NICK

US65373A1097

Consumer Lending

Market Closed - Nasdaq
Other stock markets
 21:00:00 02/07/2024 BST 		5-day change 1st Jan Change
6.41 USD -0.62% Intraday chart for Nicholas Financial, Inc. -2.44% -7.10%
07-01 Nicholas Financial, Inc. Reports Earnings Results for the Fourth Quarter Ended March 31, 2024 CI
07-01 Nicholas Financial, Inc. Reports Earnings Results for the Full Year Ended March 31, 2024 CI

Valuation

Fiscal Period: March 2019 2020 2021 2022 2023 2024
Capitalization 1 71.19 46.17 81.39 77.9 44.87 49.28
Enterprise Value (EV) 1 178.2 156.3 152.1 135.6 73.53 30.3
P/E ratio -19.4 x 13.1 x 9.7 x 26 x -1.32 x -2.36 x
Yield - - - - - -
Capitalization / Revenue 2.01 x 1.26 x 1.9 x 2.03 x -177 x 2.63 x
EV / Revenue 5.04 x 4.26 x 3.56 x 3.53 x -291 x 1.62 x
EV / EBITDA - - - - - -
EV / FCF - - - - - -
FCF Yield - - - - - -
Price to Book 0.68 x 0.42 x 0.71 x 0.66 x 0.56 x 1.45 x
Nbr of stocks (in thousands) 7,910 7,906 7,700 7,600 7,300 7,291
Reference price 2 9.000 5.840 10.57 10.25 6.147 6.760
Announcement Date 28/06/19 22/06/20 22/06/21 24/06/22 27/06/23 01/07/24
1USD in Million2USD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: March 2019 2020 2021 2022 2023 2024
Net sales 1 35.36 36.68 42.79 38.45 -0.253 18.74
EBITDA - - - - - -
EBIT - - - - - -
Operating Margin - - - - - -
Earnings before Tax (EBT) 1 -4.588 2.247 10.95 4.046 -32.7 -20.8
Net income 1 -3.648 3.466 8.351 2.998 -34.12 -20.8
Net margin -10.32% 9.45% 19.52% 7.8% 13,485.77% -111.01%
EPS 2 -0.4641 0.4459 1.089 0.3940 -4.655 -2.860
Free Cash Flow - - - - - -
FCF margin - - - - - -
FCF Conversion (EBITDA) - - - - - -
FCF Conversion (Net income) - - - - - -
Dividend per Share - - - - - -
Announcement Date 28/06/19 22/06/20 22/06/21 24/06/22 27/06/23 01/07/24
1USD in Million2USD
Estimates

Balance Sheet Analysis

Fiscal Period: March 2019 2020 2021 2022 2023 2024
Net Debt 1 107 110 70.7 57.7 28.7 -
Net Cash position 1 - - - - - 19
Leverage (Debt/EBITDA) - - - - - -
Free Cash Flow - - - - - -
ROE (net income / shareholders' equity) -3.42% 3.26% 7.5% 2.59% -34.8% -30%
ROA (Net income/ Total Assets) -1.37% 1.41% 3.7% 1.51% -23.2% -24.4%
Assets 1 266.6 245.6 225.6 198 147 85.09
Book Value Per Share 2 13.30 13.80 14.90 15.40 10.90 4.650
Cash Flow per Share 2 4.500 2.150 2.860 0.6300 0.0600 1.500
Capex 1 0.23 0.13 0.62 1.31 0.06 0.01
Capex / Sales 0.64% 0.35% 1.44% 3.41% -23.32% 0.07%
Announcement Date 28/06/19 22/06/20 22/06/21 24/06/22 27/06/23 01/07/24
1USD in Million2USD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

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