CONN · Conns Inc - Financials

Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.

Annual Quarterly

Income Statement

Line item	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Revenue	$1.24B	$1.34B	$1.59B	$1.39B	$1.54B	$1.55B
Cost of Revenue	$629.69M	$710.23M	$825.99M	$668.32M	$720.34M	-
Gross Profit	$608.00M	$632.29M	$764.04M	$717.71M	$823.34M	-
R&D	-	-	-	-	-	-
SG&A	$561.63M	$526.21M	$544.49M	$478.77M	$503.02M	$480.56M
Total Operating Expenses	$1.36B	$1.37B	$1.42B	$1.36B	$1.41B	$1.39B
D&A	$50.42M	$46.28M	$45.45M	$41.07M	$36.84M	$31.58M
Operating Income	($125.28M)	($29.47M)	$168.69M	$30.61M	$134.52M	$161.25M
Interest Expense	$81.71M	$36.89M	$25.76M	$50.38M	$59.11M	$62.70M
Income Tax	($39.46M)	($7.07M)	$33.51M	($16.19M)	$18.31M	$22.93M
Net Income	($76.89M)	($59.29M)	$108.20M	($3.14M)	$56.00M	$73.85M
EPS - Basic	($3.17)	($2.46)	$3.70	($0.11)	$1.85	$2.33
EPS - Diluted	($3.17)	($2.46)	$3.61	($0.11)	$1.82	$2.28

Balance Sheet

Line item	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Cash & Equivalents	$18.70M	$19.53M	$7.71M	$9.70M	$5.49M	$5.91M
Accounts Receivable	$419.00M	$421.68M	$455.79M	$478.73M	$673.74M	$652.77M
Inventory	$333.96M	$240.78M	$246.83M	$196.46M	$219.76M	$220.03M
Accounts Payable	$98.57M	$71.69M	$74.70M	$69.37M	$48.55M	$71.12M
Current Assets	$1.20B	$831.10M	$820.81M	$844.06M	$1.06B	$1.01B
Total Assets	$2.44B	$1.72B	$1.75B	$1.76B	$2.17B	$1.88B
Current Liabilities	$466.52M	$222.36M	$258.42M	$211.76M	$162.27M	$237.57M
Long-term Debt	$571.17M	$431.60M	$370.80M	$608.63M	$1.03B	$901.22M
Total Liabilities	$1.95B	$1.21B	$1.14B	$1.20B	$1.54B	$1.26B
Stockholders' Equity	$435.25M	$502.41M	$614.82M	$557.15M	$627.18M	$619.98M
Retained Earnings	$463.32M	$539.92M	$599.22M	$491.01M	$570.64M	$508.47M

Cash Flow

Line item	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Operating Cash Flow	($51.23M)	$60.45M	$176.40M	$462.12M	$80.07M	$151.80M
Investing Cash Flow	($47.34M)	($72.97M)	($44.86M)	($55.93M)	($56.82M)	($32.81M)
Financing Cash Flow	$108.96M	$33.25M	($152.17M)	($426.78M)	($7.33M)	($150.21M)
CapEx	$51.05M	$72.97M	$44.86M	$55.93M	$57.55M	$32.81M
Free Cash Flow	($102.29M)	($12.52M)	$131.54M	$406.19M	$22.52M	$118.99M

Ratios

Metric	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Profitability
Gross margin	49.1%	47.1%	48.1%	51.8%	53.3%	-
Operating margin	-10.1%	-2.2%	10.6%	2.2%	8.7%	10.4%
EBITDA margin	-6.0%	1.3%	13.5%	5.2%	11.1%	12.4%
Net margin	-6.2%	-4.4%	6.8%	-0.2%	3.6%	4.8%
Free cash flow margin	-8.3%	-0.9%	8.3%	29.3%	1.5%	7.7%
FCF / Net income	1.33	0.21	1.22	-129.48	0.40	1.61
R&D / Revenue	-	-	-	-	-	-
SG&A / Revenue	45.4%	39.2%	34.2%	34.5%	32.6%	31.0%
Effective tax rate	-	-	23.6%	-	24.6%	23.7%
Return on assets	-3.1%	-3.5%	6.2%	-0.2%	2.6%	3.9%
Return on equity	-17.7%	-11.8%	17.6%	-0.6%	8.9%	11.9%
Return on invested capital	-9.8%	-2.5%	13.1%	2.1%	6.1%	8.1%
Liquidity
Current ratio	2.58	3.74	3.18	3.99	6.53	4.27
Quick ratio	1.87	2.65	2.22	3.06	5.17	3.34
Cash ratio	0.04	0.09	0.03	0.05	0.03	0.02
Leverage
Debt / Equity	1.31	0.86	0.60	1.09	1.64	1.45
Debt / Assets	0.23	0.25	0.21	0.35	0.47	0.48
Debt / EBITDA	-	25.68	1.73	8.49	5.98	4.67
Interest coverage	-1.5x	-0.8x	6.5x	0.6x	2.3x	2.6x
Equity multiplier	5.62	3.42	2.85	3.15	3.46	3.04
Liabilities / Assets	0.80	0.71	0.65	0.68	0.71	0.67
Efficiency
Asset turnover	0.51	0.78	0.91	0.79	0.71	0.82
Inventory turnover	1.89	2.95	3.35	3.40	3.28	-
Days sales outstanding	124d	115d	105d	126d	159d	154d
Days inventory outstanding	194d	124d	109d	107d	111d	-
Days payable outstanding	57d	37d	33d	38d	25d	-
Cash conversion cycle	260d	202d	181d	195d	246d	-
Valuation
P / E	-	-	-	-	-	-
P / B	-	-	-	-	-	-
P / S	-	-	-	-	-	-
EV / EBITDA	-	-	-	-	-	-
Growth
Revenue growth (YoY)	-7.8%	-15.6%	14.7%	-10.2%	-0.4%	2.2%
Revenue CAGR (3y)	-3.7%	-4.5%	0.9%	-2.9%	-1.1%	-1.3%
Revenue CAGR (5y)	-4.4%	-2.4%	-0.1%	-3.0%	0.8%	-
Gross profit growth (YoY)	-3.8%	-17.2%	6.5%	-12.8%	-	-
Operating income growth (YoY)	-325.1%	-	451.0%	-77.2%	-16.6%	40.1%
Net income growth (YoY)	-29.7%	-	-	-	-24.2%	1042.6%
EPS growth (YoY)	-28.9%	-	-	-	-20.2%	1040.0%
EPS CAGR (3y)	-	-	16.6%	-	-	37.9%
EPS CAGR (5y)	-	-	-	-	2.7%	-
FCF growth (YoY)	-717.1%	-	-67.6%	1703.7%	-81.1%	245.5%
FCF CAGR (5y)	-	-	-3.7%	-	-	-
Book value growth (YoY)	-13.4%	-18.3%	10.3%	-11.2%	1.2%	15.9%

Sales by segment

From XBRL dimensional facts in the 10-K period ending 2024-01-31.

Business segments

$1.24B total

Retail Segment$985.16M · 79.7%

Credit Segment$257.19M · 20.8%

Eliminations($6.83M) · -0.6%

Product / service

$1.88B total

Product$896.83M · 47.7%

Furnitureand Mattress$352.38M · 18.7%

Home Appliance$338.73M · 18.0%

Consumer Electronics$110.57M · 5.9%

RSACommission$72.74M · 3.9%

Other Products$64.25M · 3.4%

Home Office$37.74M · 2.0%

Service$8.76M · 0.5%

Stability scores

Altman Z′

FY 2024 · bankruptcy risk

0.82

Distress

Private-firm variant - uses book equity instead of market cap. > 2.90 safe · 1.23-2.90 grey · < 1.23 distress.

Piotroski F-score

FY 2024 · 9-point quality

4/9

Neutral

✗Net income positive
✗Operating cash flow positive
✓ROA improved YoY
✓Cash flow > net income
✗Long-term debt decreased
✗Current ratio improved
✓No share dilution
✓Gross margin improved
✗Asset turnover improved

Peer comparison

Same SIC group: Retail-Radio, Tv & Consumer Electronics Stores

Company	Revenue (last FY)	Net margin	ROE
BBY	$41.69B	2.6%	36.1%

Comparing CONNS INC against the 1 most active filer in the same SIC group.