CURO · Curo Group Holdings Corp. - 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.
Income Statement
| Line item | FY 2022 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|
| Revenue | $847.40M | $558.59M | $673.25M | $570.31M | - | - |
| Cost of Revenue | $556.52M | $250.23M | $294.63M | $277.05M | - | - |
| Gross Profit | $290.87M | $308.36M | $378.62M | $293.26M | - | - |
| R&D | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - |
| D&A | $13.50M | $14.50M | $15.80M | $15.40M | - | - |
| Operating Income | ($194.16M) | $80.34M | $142.46M | $108.02M | - | - |
| Interest Expense | $185.66M | $72.71M | $69.76M | $64.33M | - | - |
| Income Tax | ($8.68M) | $5.89M | $38.56M | $42.58M | - | - |
| Net Income | ($185.48M) | $75.73M | $111.49M | $65.44M | $60.61M | $75.64M |
| EPS - Basic | ($4.59) | $1.85 | $2.50 | $1.73 | - | - |
| EPS - Diluted | ($4.59) | $1.80 | $2.43 | $1.69 | - | - |
Balance Sheet
| Line item | FY 2022 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $73.93M | $63.18M | $153.48M | $201.35M | - | - |
| Accounts Receivable | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - |
| Total Assets | $2.79B | $2.46B | $1.08B | $919.62M | - | - |
| Current Liabilities | - | - | - | - | - | - |
| Long-term Debt | $2.61B | $1.95B | $790.54M | - | - | - |
| Total Liabilities | $2.84B | $2.30B | $1.03B | $938.72M | - | - |
| Stockholders' Equity | ($54.13M) | $160.33M | $50.51M | ($19.38M) | - | - |
| Retained Earnings | $4.27M | $203.47M | $93.42M | ($18.07M) | - | - |
Cash Flow
| Line item | FY 2022 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|
| Operating Cash Flow | $284.61M | $405.22M | $650.63M | $329.36M | $425.24M | $328.79M |
| Investing Cash Flow | ($777.95M) | ($255.06M) | ($544.47M) | ($297.67M) | ($417.09M) | ($285.97M) |
| Financing Cash Flow | $501.06M | $7.33M | ($97.97M) | $59.38M | - | - |
| CapEx | $45.82M | $10.92M | $13.98M | $16.03M | - | - |
| Free Cash Flow | $238.79M | $394.30M | $636.65M | $313.33M | - | - |
Ratios
| Metric | FY 2022 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|
| Profitability | ||||||
| Gross margin | 34.3% | 55.2% | 56.2% | 51.4% | - | - |
| Operating margin | -22.9% | 14.4% | 21.2% | 18.9% | - | - |
| EBITDA margin | -21.3% | 17.0% | 23.5% | 21.6% | - | - |
| Net margin | -21.9% | 13.6% | 16.6% | 11.5% | - | - |
| Free cash flow margin | 28.2% | 70.6% | 94.6% | 54.9% | - | - |
| FCF / Net income | -1.29 | 5.21 | 5.71 | 4.79 | - | - |
| R&D / Revenue | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - |
| Effective tax rate | - | 7.2% | 25.7% | 39.4% | - | - |
| Return on assets | -6.7% | 3.1% | 10.3% | 7.1% | - | - |
| Return on equity | 342.6% | 47.2% | 220.7% | -337.7% | - | - |
| Return on invested capital | -6.0% | 3.5% | 12.6% | - | - | - |
| Liquidity | ||||||
| Current ratio | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - |
| Leverage | ||||||
| Debt / Equity | -48.16 | 12.14 | 15.65 | - | - | - |
| Debt / Assets | 0.93 | 0.79 | 0.73 | - | - | - |
| Debt / EBITDA | - | 20.52 | 5.00 | - | - | - |
| Interest coverage | -1.0x | 1.1x | 2.0x | 1.7x | - | - |
| Equity multiplier | -51.52 | 15.35 | 21.42 | -47.45 | - | - |
| Liabilities / Assets | 1.02 | 0.93 | 0.95 | 1.02 | - | - |
| Efficiency | ||||||
| Asset turnover | 0.30 | 0.23 | 0.62 | 0.62 | - | - |
| Inventory turnover | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - |
| Valuation | ||||||
| P / E | - | - | - | - | - | - |
| P / B | - | - | - | - | - | - |
| P / S | - | - | - | - | - | - |
| EV / EBITDA | - | - | - | - | - | - |
| Growth | ||||||
| Revenue growth (YoY) | - | -17.0% | 18.0% | - | - | - |
| Revenue CAGR (3y) | 8.0% | - | - | - | - | - |
| Revenue CAGR (5y) | - | - | - | - | - | - |
| Gross profit growth (YoY) | - | -18.6% | 29.1% | - | - | - |
| Operating income growth (YoY) | - | -43.6% | 31.9% | - | - | - |
| Net income growth (YoY) | - | -32.1% | 70.4% | 8.0% | -19.9% | - |
| EPS growth (YoY) | - | -25.9% | 43.8% | - | - | - |
| EPS CAGR (3y) | - | - | - | - | - | - |
| EPS CAGR (5y) | - | - | - | - | - | - |
| FCF growth (YoY) | - | -38.1% | 103.2% | - | - | - |
| FCF CAGR (5y) | - | - | - | - | - | - |
| Book value growth (YoY) | - | 217.4% | - | - | - | - |
Sales by segment
From XBRL dimensional facts in the 10-K period ending 2021-12-31.
Business segments
$572.17M totalUnited States Segment$359.93M · 62.9%
Canada Direct Lending$202.04M · 35.3%
Canada POSLending$10.20M · 1.8%
Stability scores
Piotroski F-score
FY 2022 · 9-point quality
2/9
Weak
- ✗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: Finance Services
Comparing CURO Group Holdings Corp. against the 5 most active filers in the same SIC group.