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CURO Group Holdings Corp.OTCPK:CURO.Q Rapporto sulle azioni

Cap. di mercato US$1.7m
Prezzo delle azioni
n/a
1Y-97.4%
7D-22.6%
1D0%
Valore del portafoglio
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CURO Group Holdings Corp.

Report azionario OTCPK:CURO.Q

Capitalizzazione di mercato: US$1.7m

This company listing is no longer active

This company may still be operating, however this listing is no longer active. Find out why through their latest events.

CURO Group Holdings (CURO.Q) Panoramica del titolo

Provides consumer finance products in the United States and Canada. Maggiori dettagli

CURO.Q analisi fondamentale
Punteggio fiocco di neve
Valutazione4/6
Crescita futura0/6
Prestazioni passate0/6
Salute finanziaria0/6
Dividendi0/6

Premi

Negoziato a 99.8% al di sotto della nostra stima del suo valore equo

Analisi del rischio

Il debito non è ben coperto dal flusso di cassa operativo

Patrimonio netto negativo

Gli utili sono diminuiti del 61.2% all'anno negli ultimi 5 anni

Non ha una capitalizzazione di mercato significativa ( $2M )

+ 1 più rischio

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Concorrenti di CURO Group Holdings Corp.

Storia dei prezzi e prestazioni

Riepilogo dei massimi, dei minimi e delle variazioni dei prezzi delle azioni per CURO Group Holdings
Prezzi storici delle azioni
Prezzo attuale dell'azioneUS$0.041
Massimo di 52 settimaneUS$1.75
Minimo di 52 settimaneUS$0.022
Beta1.88
Variazione di 1 mese-25.45%
Variazione a 3 mesi-56.84%
Variazione di 1 anno-97.44%
Variazione a 3 anni-99.75%
Variazione a 5 anni-99.61%
Variazione dall'IPO-99.71%

Notizie e aggiornamenti recenti

Recent updates

Seeking Alpha • Feb 23

Curo Group Non-GAAP EPS of -$0.80 misses by $0.67, revenue of $217.19M misses by $6.74M

Curo Group press release (NYSE:CURO): Q4 Non-GAAP EPS of -$0.80 misses by $0.67. Revenue of $217.19M (-3.2% Y/Y) misses by $6.74M. Gross Loans Receivables increased 34.8% year-over-year to $2.1 billion Goodwill impairment of $107.8 million in U.S. Direct Lending and $37.4 million in Canada POS Lending
Seeking Alpha • Dec 28

CURO Group Holdings: The Downside May Not Be Complete

Summary Inflation and expensive lending will likely weigh on demand for consumer credit, of which CURO Group Holdings Corp. is a provider. With recession fears joining the team, even with an improved portfolio of products with lower failure rates, CURO likely won't have an easy time tackling it. The resulting headwinds, which have caused the stock to plummet so far, are on track to linger, so investors may want to consider a Sell rating. Elevated Inflation and Higher Borrowing Costs Weigh on Consumer Finance and its Providers, Including CURO Group Holdings Corp. Increased inflation combined with higher borrowing costs due to the Fed's tight interest rate policy weighs on consumer non-staples stocks and stocks of credit lenders that provide the funds to afford non-essential goods and services. Shares of these stocks have fallen sharply year-to-date and are likely to decline further under the same unfavorable conditions. Among the underperforming stocks of consumer finance providers, investors should consider softening their positions in CURO Group Holdings Corp. (CURO). Largely due to the same macroeconomic factors that have been unfavorable so far, this US-based credit services company is poised to see further deterioration in relevant financial and operating data, which could put severe downward pressure on the shares. Seeking Alpha The shares of CURO Group Holdings Corp. have plunged 79.2% this year, well worse than the 18.63% drop in the SPDR S&P 500 Trust ETF (SPY), which is used as the benchmark index for the U.S. stock market. The 14-day CURO Group Holdings Relative Strength Index of 47.46 suggests that the oversold levels are still a long way from current levels, despite the stock price falling sharply year-to-date. This suggests shares will have ample room for further declines if elevated inflation and higher borrowing costs continue to weigh on consumer finance. And current conditions are such that this scenario is likely to last for months heading into 2023. The Economic Situation and its Impact on Credit Spending and its Financing The fall in annual inflation to 7.1% in November from 7.7% in October represents a continuation of the improvement that started last July and shows that the central bank's policy of tightening interest rates is working, even if this inflation was not demand-driven. This is a good result for the economy aiming for price stability and healthy employment levels, but with the monetary tightening the US Federal Reserve (Fed) is not done yet as additional rate hikes need to be implemented to bring inflation down to the target level of 2%. In addition to the recessionary signals already being sent to consumers (consumption accounts for about 70% of the US GDP), more are set to come from the Fed soon. These will continue to influence consumers' perceptions of the current state of the economy (December's sub-reading has been revised downwards to 59.4 from a preliminary reading of 60.2) and their propensity to consume, affecting spending on certain non-essential products usually bought on credit. That impact on consumption is already being felt, as US retail sales fell 0.6% in November compared to October, marking the sharpest fall since the start of the year. The categories with the largest declines in sales were goods typically bought on credit, such as furniture, vehicles, and electronics. Since the November data also included Black Friday on November 25 and Cyber Monday, which, as usual, offered heavy discounts, they provided strong evidence of a slowdown in consumer spending due to higher inflation combined with recession signals from higher interest rates. CURO Group Holdings Corp. in the Credit Services Industry CURO Group Holdings Corp. headquartered in Wichita, Kansas, has been a consumer finance provider in North America for over 25 years. The company says it has developed a range of ease accessible financial services while reducing the risk. CURO Group Holdings Corp. offers unsecured and secured installment loans, perpetual and one-time payment loans, and complementary financial products. The latter includes check-to-cash, reloadable prepaid debit cards, and demand deposit accounts. The offering also includes credit protection insurance, installment sales and money transfer services. Third Quarter 2023 Financial Results: Elevated Inflation, US Fed's Hawkish Stance, and Recession Fears are the Bogey Team for CURO Macroeconomic headwinds had a significant impact on sales and earnings in the third quarter of 2022. CURO Group Holdings Corp. reported total revenue of $214.12 million, down 29.7% sequentially, and missed analysts' average forecast by $8.8 million. Management attributed the lower sales to higher borrowing costs due to hawkish central bank stances and the weaker Canadian dollar against the US dollar. The chart below, which shows the development of CURO Group's 12-month total revenues, hints at a loss in sales momentum from the second half of 2022, especially in connection with the strengthening of the recession signals from the North American central banks. Seeking Alpha With borrowing costs rising to fight entrenched inflation and the impact of rate hikes on consumption being felt even several months after the Fed's decision, I think risks to CURO's revenues will certainly remain on the downside for several quarters to come. Year over year, total revenue increased by 2.3% in the third quarter of 2022. However, aside from strong growth in Canada POS Lending and Canada Direct Lending products, revenue benefited from inorganic catalysts following the July 2022 acquisition of First Heritage Credit, LLC and the December 2021 acquisition of Heights Finance. Both are providers of premium consumer credit and standard opt-in insurance products. First Heritage Credit was acquired for $140 million payable in cash. While Heights Finance was bought for $360 million, of which 93% was in cash and the rest in stock. Not to mention, US revenues declined significantly during the quarter due to the sale of the US direct lending business. The company also cited "credit trends normalizing to pre-pandemic levels" as another factor that could explain the decline in sales. However, it should be noted that when compared to revenue of $297.26 million for the quarter that ended September 30, 2019 (this was the last Q3 before the COVID-19 outbreak in mid-March 2020), the loss of momentum seems to have been caused to a sheer drop in sales rather than a normalization of credit trends. About the bottom line, the company reported a pro forma net loss of $11.9 million, or a pro forma net loss of $0.29 per share in the third quarter of 2022, missing the average estimate of analysts by $0.33. Also, the Q3 2022 bottom line result was a deterioration compared to the pro forma net income of $6.4 million or pro forma net income of $0.15 per share in the same quarter of 2021. In addition to the decline in sales, the loss was explained by higher costs of borrowing, with which the company financed the acquisition of the above companies and the continuation of the business. Lower demand for consumer credit due to ongoing risks of inflation and recession combined with rising borrowing costs is expected to continue to impact CURO's top and bottom lines in the coming quarters and potentially create strong headwinds for the share price. Inorganic Catalysts Make the Loan Portfolio More Resilient, But That May Not Be Enough Gross loan receivables rose 115% year over year to $1.01 billion in the third quarter of 2022, the company reported. However, the result was impacted by the acquisitions of Heights Finance and First Heritage.
Seeking Alpha • Nov 15

CURO Group names Doug Clark as new CEO

CURO Group Holdings (NYSE:CURO) announced Tuesday the appointment of Doug Clark as its new chief executive officer, effective immediately. Clark succeeds Don Gayhardt, who has decided to leave the Company to pursue other opportunities. Most recently, Clark served as President of CURO’s North American direct lending business and was previously CEO of Heights Finance before it was acquired by CURO in December 2021. Earlier: Curo Group Non-GAAP EPS of -$0.29 misses by $0.33, revenue of $214.12M misses by $8.76M
Seeking Alpha • Nov 02

Curo Group Non-GAAP EPS of -$0.29 misses by $0.33, revenue of $214.12M misses by $8.76M

Curo Group press release (NYSE:CURO): Q3 Non-GAAP EPS of -$0.29 misses by $0.33. Revenue of $214.12M (+2.3% Y/Y) misses by $8.76M.
Seeking Alpha • Oct 04

CURO Group Holdings subsidiary Flexiti upsizes C$535M revolving warehouse credit facility

CURO Group Holdings (NYSE:CURO) wholly owned subsidiary Flexiti Financial has upsized its revolving warehouse credit facility from C$500M to C$535M and extended its maturity.  Combined with its pre-existing C$527M securitization facility, Flexiti has access to over C$1B in capital to fund its rapidly growing consumer receivables portfolio and help meet the increasing demand for loans from Canadian consumers. “In June of this year, Flexiti reached $2 billion in lifetime loan originations. We have seen continuous, significant growth in our originations. This renewed warehouse facility also broadens our banking relationships, lowers our cost of funds and continues to demonstrate the investment community’s confidence in our business model and growth opportunities.” said Peter Kalen, founder and CEO of Flexiti.
Seeking Alpha • Aug 08

Curo Group Non-GAAP EPS of -$0.28 beats by $0.02, revenue of $304.4M beats by $41.75M

Curo Group press release (NYSE:CURO): Q2 Non-GAAP EPS of -$0.28 beats by $0.02. Revenue of $304.4M (+62.2% Y/Y) beats by $41.75M.
Seeking Alpha • Jul 11

CURO closes the sale of legacy U.S. direct lending business

CURO Group (NYSE:CURO) completed the divestiture of its Legacy U.S. Direct Lending business to Community Choice Financial (CCFI), a consumer financial services company based in Dublin, Ohio, for total cash consideration of $345M. The consideration includes $310 million in cash paid at closing and $35 million payable over the next 12 months. The company also announced that it expects to complete the previously announced acquisition of First Heritage Credit by July 15, 2022 on terms consistent with the May 19, 2022 transaction announcement. “We are pleased to announce the closing of the sale of our legacy US Direct Lending business to Community Choice. We thank the more than 1,700 employees of these operations for their work for CURO and we are confident that Community Choice will be an excellent owner and operator of these businesses.” said Don Gayhardt, Chief Executive Officer.
Articolo di analisi • May 07

CURO Group Holdings (NYSE:CURO) Has Re-Affirmed Its Dividend Of US$0.11

CURO Group Holdings Corp. ( NYSE:CURO ) will pay a dividend of US$0.11 on the 23rd of May. The dividend yield will be...
Articolo di analisi • Jan 05

News Flash: Analysts Just Made A Massive Upgrade To Their CURO Group Holdings Corp. (NYSE:CURO) Forecasts

CURO Group Holdings Corp. ( NYSE:CURO ) shareholders will have a reason to smile today, with the analysts making...

Rendimenti per gli azionisti

CURO.QUS Consumer FinanceUS Mercato
7D-22.6%2.6%0.8%
1Y-97.4%7.3%19.1%

Ritorno vs Industria: CURO.Q ha avuto una performance inferiore rispetto al US Consumer Finance che ha registrato un rendimento 7.3 % nell'ultimo anno.

Rendimento vs Mercato: CURO.Q ha avuto una performance inferiore al mercato US che ha registrato un rendimento 19.1 % nell'ultimo anno.

Volatilità dei prezzi

Is CURO.Q's price volatile compared to industry and market?
CURO.Q volatility
CURO.Q Average Weekly Movement38.4%
Consumer Finance Industry Average Movement6.9%
Market Average Movement7.2%
10% most volatile stocks in US Market16.2%
10% least volatile stocks in US Market3.2%

Prezzo delle azioni stabile: Negli ultimi 3 mesi il prezzo delle azioni di CURO.Q è stato volatile rispetto al mercato US.

Volatilità nel tempo: La volatilità settimanale di CURO.Q è aumentata da 29% a 38% nell'ultimo anno.

Informazioni sull'azienda

FondatoI dipendentiAMMINISTRATORE DELEGATOSito web
19974,000Doug Clarkwww.curo.com

CURO Group Holdings Corp. Riepilogo dei fondamenti

Come si confrontano gli utili e i ricavi di CURO Group Holdings con la sua capitalizzazione di mercato?
CURO.Q statistiche fondamentali
Capitalizzazione di mercatoUS$1.69m
Utili (TTM)-US$186.08m
Ricavi(TTM)US$244.97m
0.0x
Rapporto P/S
0.0x
Rapporto P/E

CURO.Q è sopravvalutato?

Vedi Fair Value e analisi di valutazione

Utili e ricavi

Statistiche chiave sulla redditività dall'ultima relazione sugli utili (TTM)
CURO.Q Conto economico (TTM)
RicaviUS$244.97m
Costo del fatturatoUS$45.45m
Profitto lordoUS$199.52m
Altre speseUS$385.59m
Utili-US$186.08m

Ultimi utili riportati

Dec 31, 2023

Prossima data di guadagno

n/a

Utile per azione (EPS)-4.51
Margine lordo81.45%
Margine di profitto netto-75.96%
Rapporto debito/patrimonio netto-471.8%

Come si è comportato CURO.Q nel lungo periodo?

Vedi performance storica e confronto

Analisi aziendale e situazione dei dati finanziari

DatiUltimo aggiornamento (ora UTC)
Analisi dell'azienda2024/07/20 20:17
Prezzo dell'azione a fine giornata2024/07/19 00:00
Utili2023/12/31
Utili annuali2023/12/31

Fonti dei dati

I dati utilizzati nella nostra analisi aziendale provengono da S&P Global Market Intelligence LLC. I seguenti dati sono utilizzati nel nostro modello di analisi per generare questo report. I dati sono normalizzati, il che può comportare un ritardo nella disponibilità della fonte.

PacchettoDatiTempisticaEsempio Fonte USA *
Dati finanziari della società10 anni
  • Conto economico
  • Rendiconto finanziario
  • Bilancio
Stime di consenso degli analisti+3 anni
  • Previsioni finanziarie
  • Obiettivi di prezzo degli analisti
Prezzi di mercato30 anni
  • Prezzi delle azioni
  • Dividendi, scissioni e azioni
Proprietà10 anni
  • Top azionisti
  • Insider trading
Gestione10 anni
  • Team di leadership
  • Consiglio di amministrazione
Sviluppi principali10 anni
  • Annunci aziendali

* Esempio per i titoli statunitensi, per i titoli non statunitensi si utilizzano forme e fonti normative equivalenti.

Se non specificato, tutti i dati finanziari si basano su un periodo annuale ma vengono aggiornati trimestralmente. Si tratta dei cosiddetti dati TTM (Trailing Twelve Month) o LTM (Last Twelve Month). Per saperne di più.

Modello di analisi e Snowflake

I dettagli del modello di analisi utilizzato per generare questo report sono disponibili sulla nostra pagina GitHub; abbiamo anche delle guide su come utilizzare i nostri report e dei tutorial su YouTube.

Scoprite il team di livello mondiale che ha progettato e realizzato il modello di analisi Simply Wall St.

Metriche di settore e industriali

Le nostre metriche di settore e di sezione sono calcolate ogni 6 ore da Simply Wall St; i dettagli del nostro processo sono disponibili su Github.

Fonti analitiche

CURO Group Holdings Corp. è coperta da 5 analisti. 0 di questi analisti ha fornito le stime di fatturato o di utile utilizzate come input per il nostro report. Le stime degli analisti vengono aggiornate nel corso della giornata.

AnalistaIstituzione
John RowanBrean Capital Historical (Janney Montgomery)
John HechtJefferies LLC
Vincent CainticStephens, Inc.