Financials CURO Group Holdings Corp.

Equities

CURO

US23131L1070

Consumer Lending

Market Closed - OTC Markets 15:56:37 2024-05-03 EDT 5-day change 1st Jan Change
0.065 USD -8.35% Intraday chart for CURO Group Holdings Corp. -7.14% -91.88%

Valuation

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Capitalization 1 436.5 505.3 585.9 666.2 143.7 2.685
Enterprise Value (EV) 1 436.5 505.3 585.9 666.2 143.7 33.04
P/E ratio -9.49 x 5.02 x 7.96 x 11.6 x -0.77 x -0.18 x
Yield - - 1.54% - - -
Capitalization / Revenue 0.4 x 0.44 x 0.69 x 0.81 x 0.14 x 0.05 x
EV / Revenue 0.4 x 0.44 x 0.69 x 0.81 x 0.14 x 0.05 x
EV / EBITDA 2,004,102 x 1,935,080 x 3,126,998 x 3,959,497 x 642,720 x -
EV / FCF 3,662,642 x 793,703 x - - - -
FCF Yield 0% 0% - - - -
Price to Book -10.1 x 10.4 x 4.51 x 4.08 x - -
Nbr of stocks (in thousands) 45,993 41,487 40,885 41,609 40,485 41,301
Reference price 2 9.490 12.18 14.33 16.01 3.550 0.0650
Announcement Date 19-01-31 20-02-05 21-02-04 22-02-08 23-02-23 24-02-05
1USD in Million2USD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net sales 1 1,094 1,142 847.4 817.8 1,026 672.4
EBITDA 217.8 261.1 187.4 168.2 223.6 -
EBIT 199 248.8 148.5 79.05 69.07 -
Operating Margin 18.18% 21.79% 17.52% 9.67% 6.73% -
Earnings before Tax (EBT) 1 -45.69 142.5 80.34 80.56 -194.2 -157.5
Net income 1 -47.77 111.5 75.73 59.33 -185.5 -266.7
Net margin -4.37% 9.76% 8.94% 7.25% -18.08% -39.67%
EPS 2 -1.000 2.425 1.799 1.380 -4.590 -4.530
Free Cash Flow 119.2 636.6 - - - -
FCF margin 10.89% 55.76% - - - -
FCF Conversion (EBITDA) 54.72% 243.8% - - - -
FCF Conversion (Net income) - 571.05% - - - -
Dividend per Share - - 0.2200 - - -
Announcement Date 19-01-31 20-02-05 21-02-04 22-02-08 23-02-23 24-02-05
1USD in Million2USD
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2021 Q2 2021 Q3 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4
Net sales 1 187.7 209.3 224.3 290.2 304.4 214.1 217.2 209.5 209.2 167.9 168.2
EBITDA 50.3 37.62 16.54 54.3 32.36 38.28 98.68 46.2 - - -
EBIT 25.03 30.34 -11.33 39.2 10.45 19.36 - - - - -
Operating Margin 13.34% 14.5% -5.05% 13.51% 3.43% 9.04% - - - - -
Earnings before Tax (EBT) 1 138.7 -55.41 -36.9 2.442 -33.07 43 -206.5 -38.77 -57.04 -32.59 -42.4
Net income 1 104.5 -42.04 -28.88 1.336 -26.08 25.65 -186.4 -59.47 -59.33 -104.4 -43.49
Net margin 55.69% -20.09% -12.87% 0.46% -8.57% 11.98% -85.82% -28.39% -28.35% -62.22% -25.86%
EPS 2 2.390 -1.020 -0.7200 0.0300 -0.6500 0.6300 -4.600 -1.460 -1.450 -2.530 -1.050
Dividend per Share 0.1100 0.1100 - 0.1100 - 0.1100 - - - - -
Announcement Date 21-07-28 21-11-01 22-02-08 22-05-02 22-08-08 22-11-02 23-02-23 23-05-10 23-08-03 23-11-02 24-02-05
1USD in Million2USD
Estimates

Balance Sheet Analysis

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net Debt - - - - - -
Net Cash position - - - - - -
Leverage (Debt/EBITDA) - - - - - -
Free Cash Flow 119 637 - - - -
ROE (net income / shareholders' equity) -474% 828% 81.5% 28.5% -92.6% -
ROA (Net income/ Total Assets) 10% 13% 6.56% 2.29% -1.87% -11.7%
Assets 1 -476.2 857.9 1,154 2,591 9,898 2,286
Book Value Per Share -0.9400 1.170 3.180 3.930 - -
Cash Flow per Share 11.70 14.20 9.630 7.490 - -
Capex - - - - - -
Capex / Sales - - - - - -
Announcement Date 19-01-31 20-02-05 21-02-04 22-02-08 23-02-23 24-02-05
1USD in Million
Estimates
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