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CURO GROUP HOLDINGS CORP (CURO) Stock Fundamental Analysis

NYSE:CURO - New York Stock Exchange, Inc. - US23131L1070 - Common Stock - Currency: USD

0.1929  -0.01 (-6.4%)

Fundamental Rating

2

CURO gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 53 industry peers in the Consumer Finance industry. CURO may be in some trouble as it scores bad on both profitability and health. CURO has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

CURO had negative earnings in the past year.
CURO had a positive operating cash flow in the past year.
The reported net income has been mixed in the past 5 years: CURO reported negative net income in multiple years.
Of the past 5 years CURO 4 years had a positive operating cash flow.
CURO Yearly Net Income VS EBIT VS OCF VS FCFCURO Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 200M -200M 400M 600M

1.2 Ratios

The Return On Assets of CURO (-23.05%) is worse than 86.54% of its industry peers.
CURO's Return On Invested Capital of 3.42% is fine compared to the rest of the industry. CURO outperforms 61.54% of its industry peers.
CURO had an Average Return On Invested Capital over the past 3 years of 4.51%. This is below the industry average of 7.34%.
Industry RankSector Rank
ROA -23.05%
ROE N/A
ROIC 3.42%
ROA(3y)-6.4%
ROA(5y)-0.5%
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)4.51%
ROIC(5y)9.07%
CURO Yearly ROA, ROE, ROICCURO Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 200 400 600

1.3 Margins

The Operating Margin of CURO (8.81%) is comparable to the rest of the industry.
CURO's Operating Margin has declined in the last couple of years.
CURO does not have Profit Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM 8.81%
PM (TTM) N/A
GM N/A
OM growth 3Y-14.47%
OM growth 5Y-9.91%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
CURO Yearly Profit, Operating, Gross MarginsCURO Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 20 -20 40 60

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2

2. Health

2.1 Basic Checks

CURO has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
The number of shares outstanding for CURO has been increased compared to 1 year ago.
Compared to 5 years ago, CURO has less shares outstanding
The debt/assets ratio for CURO is higher compared to a year ago.
CURO Yearly Shares OutstandingCURO Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 10M 20M 30M 40M
CURO Yearly Total Debt VS Total AssetsCURO Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 500M 1B 1.5B 2B 2.5B

2.2 Solvency

CURO has an Altman-Z score of 0.37. This is a bad value and indicates that CURO is not financially healthy and even has some risk of bankruptcy.
CURO's Altman-Z score of 0.37 is in line compared to the rest of the industry. CURO outperforms 42.31% of its industry peers.
Industry RankSector Rank
Debt/Equity N/A
Debt/FCF N/A
Altman-Z 0.37
ROIC/WACC0.65
WACC5.29%
CURO Yearly LT Debt VS Equity VS FCFCURO Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 1B 2B

2.3 Liquidity

CURO has a Current Ratio of 1.44. This is a normal value and indicates that CURO is financially healthy and should not expect problems in meeting its short term obligations.
CURO has a Current ratio (1.44) which is comparable to the rest of the industry.
CURO has a Quick Ratio of 1.44. This is a normal value and indicates that CURO is financially healthy and should not expect problems in meeting its short term obligations.
CURO's Quick ratio of 1.44 is in line compared to the rest of the industry. CURO outperforms 55.77% of its industry peers.
Industry RankSector Rank
Current Ratio 1.44
Quick Ratio 1.44
CURO Yearly Current Assets VS Current LiabilitesCURO Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 100M 200M 300M

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3

3. Growth

3.1 Past

CURO shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -483.10%.
Looking at the last year, CURO shows a very negative growth in Revenue. The Revenue has decreased by -20.04% in the last year.
The Revenue has been decreasing by -8.44% on average over the past years.
EPS 1Y (TTM)-483.1%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-179.31%
Revenue 1Y (TTM)-20.04%
Revenue growth 3Y-7.42%
Revenue growth 5Y-8.44%
Sales Q2Q%-9.92%

3.2 Future

The Earnings Per Share is expected to grow by 29.82% on average over the next years. This is a very strong growth
The Revenue is expected to grow by 4.43% on average over the next years.
EPS Next Y64.51%
EPS Next 2Y37.76%
EPS Next 3Y29.82%
EPS Next 5YN/A
Revenue Next Year-2.88%
Revenue Next 2Y2.88%
Revenue Next 3Y4.43%
Revenue Next 5YN/A

3.3 Evolution

The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
CURO Yearly Revenue VS EstimatesCURO Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 200M 400M 600M 800M 1B
CURO Yearly EPS VS EstimatesCURO Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0 2 -2 -4

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1

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for CURO. In the last year negative earnings were reported.
Also next year CURO is expected to report negative earnings again, which makes the also the Forward Price/Earnings Ratio negative.
Industry RankSector Rank
PE N/A
Fwd PE N/A
CURO Price Earnings VS Forward Price EarningsCURO Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 5 10 15 20 25

4.2 Price Multiples

The rest of the industry has a similar Enterprise Value to EBITDA ratio as CURO.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 20.49
CURO Per share dataCURO EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 10 -10

4.3 Compensation for Growth

CURO's earnings are expected to grow with 29.82% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y37.76%
EPS Next 3Y29.82%

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0

5. Dividend

5.1 Amount

CURO does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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CURO GROUP HOLDINGS CORP

NYSE:CURO (3/11/2024, 8:13:51 PM)

0.1929

-0.01 (-6.4%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)02-05 2024-02-05/bmo
Earnings (Next)05-08 2024-05-08/amc
Inst Owners1.24%
Inst Owner Change-8.28%
Ins Owners12.63%
Ins Owner Change0%
Market Cap7.97M
Analysts45.71
Price Target0.71 (268.07%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly Dividend0.34
Dividend Growth(5Y)N/A
DP-0.12%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-47.45%
Min EPS beat(2)-90.63%
Max EPS beat(2)-4.26%
EPS beat(4)0
Avg EPS beat(4)-172.63%
Min EPS beat(4)-528.71%
Max EPS beat(4)-4.26%
EPS beat(8)3
Avg EPS beat(8)-267.12%
EPS beat(12)7
Avg EPS beat(12)-146.97%
EPS beat(16)10
Avg EPS beat(16)-100.78%
Revenue beat(2)0
Avg Revenue beat(2)-8.86%
Min Revenue beat(2)-15.56%
Max Revenue beat(2)-2.15%
Revenue beat(4)0
Avg Revenue beat(4)-6.1%
Min Revenue beat(4)-15.56%
Max Revenue beat(4)-1.79%
Revenue beat(8)2
Avg Revenue beat(8)-3.22%
Revenue beat(12)3
Avg Revenue beat(12)2.65%
Revenue beat(16)3
Avg Revenue beat(16)0.2%
PT rev (1m)-70%
PT rev (3m)-70%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.17%
EPS NY rev (1m)-1.54%
EPS NY rev (3m)-0.21%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)-0.09%
Revenue NY rev (3m)-0.09%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 0.01
P/FCF N/A
P/OCF 0.94
P/B N/A
P/tB N/A
EV/EBITDA 20.49
EPS(TTM)-4.14
EYN/A
EPS(NY)-1.56
Fwd EYN/A
FCF(TTM)-0.27
FCFYN/A
OCF(TTM)0.21
OCFY106.69%
SpS19.46
BVpS-9.64
TBVpS-18.13
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -23.05%
ROE N/A
ROCE 4.33%
ROIC 3.42%
ROICexc 3.6%
ROICexgc 4.68%
OM 8.81%
PM (TTM) N/A
GM N/A
FCFM N/A
ROA(3y)-6.4%
ROA(5y)-0.5%
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)4.51%
ROIC(5y)9.07%
ROICexc(3y)4.68%
ROICexc(5y)10.21%
ROICexgc(3y)6.21%
ROICexgc(5y)13.46%
ROCE(3y)5.71%
ROCE(5y)11.49%
ROICexcg growth 3Y-37.62%
ROICexcg growth 5Y-28.14%
ROICexc growth 3Y-37.14%
ROICexc growth 5Y-28.39%
OM growth 3Y-14.47%
OM growth 5Y-9.91%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.45
Health
Industry RankSector Rank
Debt/Equity N/A
Debt/FCF N/A
Debt/EBITDA 21.27
Cap/Depr 80.74%
Cap/Sales 2.45%
Interest Coverage 250
Cash Conversion 8.93%
Profit Quality N/A
Current Ratio 1.44
Quick Ratio 1.44
Altman-Z 0.37
F-Score4
WACC5.29%
ROIC/WACC0.65
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-483.1%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-179.31%
EPS Next Y64.51%
EPS Next 2Y37.76%
EPS Next 3Y29.82%
EPS Next 5YN/A
Revenue 1Y (TTM)-20.04%
Revenue growth 3Y-7.42%
Revenue growth 5Y-8.44%
Sales Q2Q%-9.92%
Revenue Next Year-2.88%
Revenue Next 2Y2.88%
Revenue Next 3Y4.43%
Revenue Next 5YN/A
EBIT growth 1Y16.64%
EBIT growth 3Y-20.81%
EBIT growth 5Y-17.51%
EBIT Next Year-13.66%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-103.16%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-97.87%
OCF growth 3YN/A
OCF growth 5YN/A