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Curo Group Holdings Corp

Financial Services US CURO

NoneUSD
0.00(0%)

Last update at 2024-04-29T18:22:41.067517Z

Day Range

--
LowHigh

52 Week Range

0.584.96
LowHigh

Fundamentals

  • Previous Close -
  • Market Cap31.63M
  • VolumeNone
  • P/E Ratio-
  • Dividend Yield31.43%
  • EBITDA119.32M
  • Revenue TTM276.46M
  • Revenue Per Share TTM6.74
  • Gross Profit TTM 377.07M
  • Diluted EPS TTM-8.37

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Financials

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Income before tax -194.16200M 80.56M 80.34M 142.46M 18.12M
Minority interest - - - - -
Net income -185.48400M 59.33M 75.73M 111.49M -22.05300M
Selling general administrative 281.64M 237.11M 159.85M 160.10M 265.69M
Selling and marketing expenses 32.14M 38.76M 44.55M 53.40M 59.36M
Gross profit 352.20M 293.10M 29.98M 67.62M 155.61M
Reconciled depreciation 36.32M 26.95M 17.50M 18.63M 18.84M
Ebit -8.50100M 80.56M 81.63M 150.04M 64.29M
Ebitda 27.82M 107.51M 99.13M 168.68M 82.63M
Depreciation and amortization 36.32M 26.95M 17.50M 18.63M 18.34M
Non operating income net other 60.07M -36.54800M 4.55M -6.29500M -90.56900M
Operating income -8.50100M 80.56M 81.63M 150.04M 63.79M
Other operating expenses 980.46M 579.90M 487.38M 680.76M 298.00M
Interest expense 185.66M 97.33M 72.71M 69.76M 84.38M
Tax provision -8.67800M 21.22M 5.89M 38.56M 1.49M
Interest income 905.41M 0.00000M 0.00000M 1141.80M 1094.31M
Net interest income 719.75M -97.33400M -72.70900M 1072.03M 1009.96M
Extraordinary items - - - 7.59M -36.90200M
Non recurring 145.24M - - - -22.49600M
Other items - - - - -
Income tax expense -8.67800M 21.22M 5.89M 38.56M 1.66M
Total revenue 776.13M 660.45M 569.01M 830.80M 909.02M
Total operating expenses 556.52M -579.89600M -487.38500M -680.75700M 298.00M
Cost of revenue 423.93M 367.35M 539.04M 763.18M 753.41M
Total other income expense net -185.66100M 21.22M -1.28500M -7.59000M -84.35600M
Discontinued operations - - 1.28M 7.59M -38.51200M
Net income from continuing ops -185.48400M 59.33M 74.45M 103.90M -22.05300M
Net income applicable to common shares -185.48400M 59.33M 75.73M 111.49M -22.05300M
Preferred stock and other adjustments - - - - -
Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Total assets 2789.19M 2460.60M 1182.99M 1081.89M 919.62M
Intangible assets 123.68M 109.93M 40.42M 33.93M 29.78M
Earning assets - - - - -
Other current assets 105.71M 1599.19M 545.65M -25.99000M -30.51200M
Total liab 2843.33M 2300.27M 1051.08M 1031.38M 938.72M
Total stockholder equity -54.13400M 160.33M 131.91M 50.51M -19.10100M
Deferred long term liab - 6.04M 11.02M 4.45M 9.66M
Other current liab -91.98600M -21.64900M -5.39400M -6.82800M -23.08100M
Common stock 0.02M 0.02M 0.00900M 0.00900M 0.00900M
Capital stock 0.02M 0.02M 0.00900M 0.00900M 0.00900M
Retained earnings 4.27M 203.47M 160.07M 93.42M -18.06500M
Other liab 60.88M 46.40M 26.40M 15.12M 30.38M
Good will 276.27M 429.79M 136.09M 120.61M 119.28M
Other assets 2176.33M 1627.09M 558.91M 652.43M 523.96M
Cash 73.93M 63.18M 213.34M 75.24M 61.17M
Cash and equivalents - - - - -
Total current liabilities 1661.99M 1121.48M 209.41M 192.15M 132.38M
Current deferred revenue 32.26M 21.65M 5.39M 6.83M 2.62M
Net debt 4205.66M 2005.05M 728.97M 840.30M 745.16M
Short term debt 1609.43M 965.07M 139.66M 112.22M 107.48M
Short long term debt 1609.43M 965.07M 139.66M 112.22M 107.48M
Short long term debt total 4279.59M 2068.22M 942.31M 915.54M 806.34M
Other stockholder equity -12.34900M -10.78200M 1.96M -4.25600M 60.02M
Property plant equipment 31.96M 170.94M 59.75M 188.26M 76.75M
Total current assets 95.85M 94.95M 245.41M 86.67M 71.03M
Long term investments 23.91M 27.90M 27.37M - -
Net tangible assets -177.81100M -379.39200M -44.61100M -104.02300M -168.16600M
Short term investments 23.91M 27.90M - - 9.86M
Net receivables 21.92M 31.77M 32.06M 11.43M 47.72M
Long term debt 2607.31M 1945.79M 819.66M 678.32M 698.86M
Inventory - - - - -17.20500M
Accounts payable 112.29M 156.41M 69.75M 79.93M 45.37M
Total permanent equity - - - - -
Noncontrolling interest in consolidated entity - - - - -
Temporary equity redeemable noncontrolling interests - - - - -
Accumulated other comprehensive income -46.07600M -32.37800M -30.13200M -38.66300M -61.06000M
Additional paid in capital - - - - -
Common stock total equity 0.02M 0.02M 0.00900M 0.00900M 0.00900M
Preferred stock total equity - - - - -
Retained earnings total equity 4.27M 203.47M 160.07M 93.42M -18.06500M
Treasury stock -136.83200M -124.30200M -77.85200M -72.34300M -
Accumulated amortization - - - - -
Non currrent assets other -49.89300M -15.63900M -378.66700M -342.80000M 98.81M
Deferred long term asset charges - - - - -
Non current assets total 517.01M 738.56M 378.67M 342.80M 324.62M
Capital lease obligations 62.85M 122.43M 122.65M 125.00M -
Long term debt total - - 819.66M 790.54M 806.34M
Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Investments -890.09600M -452.09400M -229.71800M -516.27900M -606.58000M
Change to liabilities -2.34200M 30.33M -4.50500M 34.63M -0.34300M
Total cashflows from investing activities -777.94900M -923.48800M -255.05600M -544.47300M -620.84500M
Net borrowings 530.30M 557.30M 23.51M -23.77500M 605.00M
Total cash from financing activities 501.06M 491.29M 7.33M -97.96800M 19.09M
Change to operating activities 18.12M 0.57M 12.14M 5.40M -9.28600M
Net income -185.48400M 59.33M 74.45M 103.90M 16.46M
Change in cash 3.60M -106.03300M 158.09M 10.16M -74.63400M
Begin period cash flow 162.07M 268.11M 110.02M 99.86M 174.49M
End period cash flow 165.68M 162.07M 268.11M 110.02M 99.86M
Total cash from operating activities 284.61M 323.17M 405.22M 650.63M 534.46M
Issuance of capital stock - - 0.00000M 0.00000M 11.17M
Depreciation 36.32M 26.95M 17.50M 18.63M 18.34M
Other cashflows from investing activities 157.97M -447.74600M -14.41800M -14.21300M -27.89100M
Dividends paid 13.71M 15.94M 9.09M 9.09M 9.09M
Change to inventory - 15.04M -17.31400M 55.20M -
Change to account receivables -37.25700M 8.75M 23.71M -12.84400M -11.09600M
Sale purchase of stock -12.53000M -45.44800M -5.90800M -71.94200M 11.17M
Other cashflows from financing activities 1871.85M -57.63700M -6.99200M 231.45M 866.42M
Change to netincome 57.69M -89.89700M 21.92M 9.80M 121.16M
Capital expenditures 45.82M 23.65M 10.92M 13.98M 14.03M
Change receivables -37.25700M - - - -
Cash flows other operating 255.20M 375.87M 383.87M 603.23M 432.04M
Exchange rate changes - - - - -
Cash and cash equivalents changes 7.72M -109.02400M 157.49M 8.19M -67.28900M
Change in working capital -35.56300M 74.24M -1.39200M 46.78M -36.18500M
Stock based compensation 13.96M 13.98M 12.91M 10.32M 8.21M
Other non cash items 493.63M 166.96M 290.06M 477.40M 525.52M
Free cash flow 238.79M 299.52M 394.30M 636.65M 520.43M

Peer Comparison

Sector: Financial Services Industry: Credit Services

Company Change (USD) Price (USD) Trailing PE (x) Forward PE (x) Price Sales TTM (x) Price to Book Value (x)
CURO
Curo Group Holdings Corp		 - -% - - 2.67 0.11 1.10
V
Visa Inc. Class A		 -4.92 1.55% 312.40 31.25 25.97 16.18 13.64 16.19 23.37
MA
Mastercard Inc		 -6.13 1.28% 471.55 37.04 29.50 16.14 62.35 16.47 27.24
AXP
American Express Company		 -10.4 3.34% 300.57 21.46 18.83 3.38 6.76 3.93
COF
Capital One Financial Corporation		 -6.22 3.38% 177.62 61.36 10.04 3.84 1.12 3.02

Reports Covered

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Profile

CURO Group Holdings Corp., together with its subsidiaries, provides consumer finance products in the United States and Canada. The company offers secured and unsecured installment loans, revolving line of credit, and single-pay loans; and credit protection insurance, check cashing, money transfer, foreign currency exchange, and other ancillary financial products and services, as well as reloadable prepaid debit cards and demand deposit accounts. The company also provides loans through online. It operates under the Covington Credit, Heights Finance, Quick Credit, Southern Finance, First Heritage Credit, Cash Money, LendDirect, and Flexiti brands. The company was formerly known as Speedy Group Holdings Corp. and changed its name to CURO Group Holdings Corp. in May 2016. CURO Group Holdings Corp. was founded in 1997 and is headquartered in Chicago, Illinois.

Curo Group Holdings Corp

3615 North Ridge Road, Wichita, KS, United States, 67205

Key Executives

Name Title Year Born
Mr. Peter Kalen Chief Exec. Officer of Flexiti 1974
Mr. Douglas Clark CEO & Director 1965
Ms. Tamara Schulz Interim CFO & Chief Accounting Officer 1975
Mr. David Strano CPA Chief Accounting Officer 1980
Mr. Daniel David Kirsche Exec. VP & Chief Technology Officer 1979
Ms. Jillian R. Slagter Chief Admin. Officer 1975
Ms. Rebecca Fox Chief Legal Officer, Chief Privacy Officer & Corp. Sec. NA
Kerry Palombo Chief Compliance Officer NA
Ms. Jennifer Mathissen Chief Marketing Officer NA
Mr. Philip Michael Gitler Exec. VP & Chief Strategy Officer 1974

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