nick · Nicholas Financial 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.
Income Statement
| Line item | Q2 '26 | Q1 '25 | Q3 '24 | Q2 '24 | Q1 '24 | Q1 '23 | Q3 '22 | Q2 '22 | Q1 '22 | Q1 '21 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $2.96M | $3.03M | $0 | $6.33M | $7.08M | - | $11.27M | $13.10M | $12.59M | - |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - | - | - | - | - |
| SG&A | $2.21M | $2.23M | $2.12M | $2.55M | $3.76M | - | $9.40M | $6.91M | $3.60M | $2.90M |
| Total Operating Expenses | $4.12M | $4.02M | $1.77M | $3.98M | $4.04M | - | $21.64M | $17.23M | $13.68M | $12.29M |
| D&A | $864.0K | $481.0K | $299.0K | $16.0K | $22.0K | - | - | - | - | - |
| Operating Income | ($963.0K) | ($986.0K) | ($1.77M) | ($1.61M) | ($3.55M) | - | ($10.37M) | ($4.13M) | ($2.40M) | $1.86M |
| Interest Expense | - | - | $68.0K | $258.0K | $500.0K | - | $1.24M | $975.0K | $568.0K | $1.65M |
| Income Tax | $8.0K | $19.0K | $60.0K | $103.0K | ($128.0K) | - | $3.00M | ($958.0K) | ($627.0K) | $429.0K |
| Net Income | ($752.0K) | ($748.0K) | ($11.66M) | ($458.0K) | ($3.28M) | - | ($13.37M) | ($3.17M) | ($1.78M) | $1.43M |
| EPS - Basic | ($0.11) | ($0.11) | ($0.04) | ($0.07) | ($0.49) | - | ($1.85) | ($0.44) | ($0.24) | $0.18 |
| EPS - Diluted | ($0.11) | ($0.11) | ($0.04) | ($0.07) | ($0.49) | - | ($1.85) | ($0.44) | ($0.24) | $0.18 |
Balance Sheet
| Line item | Q2 '26 | Q1 '25 | Q3 '24 | Q2 '24 | Q1 '24 | Q1 '23 | Q3 '22 | Q2 '22 | Q1 '22 | Q1 '21 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $18.94M | $40.63M | $454.0K | $29.48M | $40.66M | $454.0K | $914.0K | $1.50M | $3.55M | $32.98M |
| Accounts Receivable | $142.0K | $146.0K | $133.0K | $123.0K | $0 | - | - | - | - | - |
| Inventory | $968.0K | - | - | - | - | - | - | - | - | - |
| Accounts Payable | $3.07M | $2.34M | $1.70M | $1.77M | $1.93M | - | - | - | - | - |
| Current Assets | $22.56M | $25.36M | $30.51M | $32.53M | $59.70M | - | - | - | - | - |
| Total Assets | $81.07M | $78.92M | $79.49M | $80.28M | $88.68M | $110.35M | $145.20M | $174.29M | $190.35M | $212.44M |
| Current Liabilities | $4.96M | $4.00M | $3.08M | $3.18M | $931.0K | - | - | - | - | - |
| Long-term Debt | $759.0K | $1.62M | $772.0K | - | - | $28.94M | $44.62M | $59.35M | $69.83M | $89.40M |
| Total Liabilities | $15.18M | $12.55M | $11.34M | $8.33M | $16.55M | $30.54M | $49.62M | $65.25M | $78.03M | $97.22M |
| Stockholders' Equity | $53.78M | $52.47M | $53.94M | $52.67M | $53.12M | $79.81M | $95.58M | $109.04M | $112.32M | $115.22M |
| Retained Earnings | $92.35M | $93.10M | $94.89M | $95.27M | $95.72M | $121.38M | $137.18M | $150.55M | $153.72M | $152.50M |
Cash Flow
| Line item | Q2 '26 | Q1 '25 | Q3 '24 | Q2 '24 | Q1 '24 | Q1 '23 | Q3 '22 | Q2 '22 | Q1 '22 | Q1 '21 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | - | $912.0K | - | - | ($437.0K) | - | - | - | ($1.36M) | $3.04M |
| Investing Cash Flow | - | ($3.71M) | - | - | $22.11M | - | - | - | ($9.31M) | $9.20M |
| Financing Cash Flow | - | $847.0K | - | - | $0 | - | - | - | $9.44M | ($4.61M) |
| CapEx | - | $3.73M | - | - | $369.0K | - | - | - | $33.0K | $18.0K |
| Free Cash Flow | - | ($2.82M) | - | - | ($806.0K) | - | - | - | ($1.39M) | $3.03M |
Ratios
| Metric | Q2 '26 | Q1 '25 | Q3 '24 | Q2 '24 | Q1 '24 | Q1 '23 | Q3 '22 | Q2 '22 | Q1 '22 | Q1 '21 |
|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||
| Gross margin | - | - | - | - | - | - | - | - | - | - |
| Operating margin | -32.6% | -32.5% | - | -25.4% | -50.1% | - | -92.1% | -31.5% | -19.1% | - |
| EBITDA margin | -3.3% | -16.6% | - | -25.2% | -49.8% | - | - | - | - | - |
| Net margin | -25.4% | -24.7% | - | -7.2% | -46.3% | - | -118.7% | -24.2% | -14.1% | - |
| Free cash flow margin | - | -92.9% | - | - | -11.4% | - | - | - | -11.1% | - |
| FCF / Net income | - | 3.77 | - | - | 0.25 | - | - | - | 0.78 | 2.12 |
| R&D / Revenue | - | - | - | - | - | - | - | - | - | - |
| SG&A / Revenue | 74.6% | 73.6% | - | 40.3% | 53.1% | - | 83.4% | 52.7% | 28.6% | - |
| Effective tax rate | - | - | - | - | - | - | - | - | - | 23.1% |
| Return on assets | -0.9% | -0.9% | -14.7% | -0.6% | -3.7% | - | -9.2% | -1.8% | -0.9% | 0.7% |
| Return on equity | -1.4% | -1.4% | -21.6% | -0.9% | -6.2% | - | -14.0% | -2.9% | -1.6% | 1.2% |
| Return on invested capital | -1.4% | -1.4% | -2.6% | - | - | - | -5.8% | -1.9% | -1.0% | 0.7% |
| Liquidity | ||||||||||
| Current ratio | 4.55 | 6.35 | 9.89 | 10.22 | 64.12 | - | - | - | - | - |
| Quick ratio | 4.35 | 6.35 | 9.89 | 10.22 | 64.12 | - | - | - | - | - |
| Cash ratio | 3.82 | 10.17 | 0.15 | 9.26 | 43.67 | - | - | - | - | - |
| Leverage | ||||||||||
| Debt / Equity | 0.01 | 0.03 | 0.01 | - | - | 0.36 | 0.47 | 0.54 | 0.62 | 0.78 |
| Debt / Assets | 0.01 | 0.02 | 0.01 | - | - | 0.26 | 0.31 | 0.34 | 0.37 | 0.42 |
| Debt / EBITDA | - | - | - | - | - | - | - | - | - | - |
| Interest coverage | - | - | -26.0x | -6.2x | -7.1x | - | -8.4x | -4.2x | -4.2x | 1.1x |
| Equity multiplier | 1.51 | 1.50 | 1.47 | 1.52 | 1.67 | 1.38 | 1.52 | 1.60 | 1.69 | 1.84 |
| Liabilities / Assets | 0.19 | 0.16 | 0.14 | 0.10 | 0.19 | 0.28 | 0.34 | 0.37 | 0.41 | 0.46 |
| Efficiency | ||||||||||
| Asset turnover | 0.04 | 0.04 | 0.00 | 0.08 | 0.08 | - | 0.08 | 0.08 | 0.07 | - |
| Inventory turnover | - | - | - | - | - | - | - | - | - | - |
| Days sales outstanding | 18d | 18d | - | 7d | 0d | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - | - | - | - | - |
| Valuation | ||||||||||
| P / E | - | - | - | - | - | - | - | - | - | - |
| P / B | - | - | - | - | - | - | - | - | - | - |
| P / S | - | - | - | - | - | - | - | - | - | - |
| EV / EBITDA | - | - | - | - | - | - | - | - | - | - |
| Growth | ||||||||||
| Revenue growth (YoY) | - | -57.2% | - | - | - | - | -24.7% | -7.1% | - | - |
| Revenue CAGR (3y) | - | -37.8% | - | -23.4% | - | - | - | - | - | - |
| Revenue CAGR (5y) | -26.8% | - | - | - | - | - | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Operating income growth (YoY) | - | 72.2% | - | - | - | - | - | - | - | 133.2% |
| Net income growth (YoY) | - | 77.2% | - | - | - | - | - | - | - | 142.0% |
| EPS growth (YoY) | - | 77.6% | - | - | - | - | - | - | - | 157.1% |
| EPS CAGR (3y) | - | - | - | - | - | - | - | - | - | - |
| EPS CAGR (5y) | - | - | - | - | - | - | - | - | - | -14.8% |
| FCF growth (YoY) | - | -249.8% | - | - | - | - | - | - | - | 124.3% |
| FCF CAGR (5y) | - | - | - | - | - | - | - | - | - | -15.2% |
| Book value growth (YoY) | - | -1.2% | - | - | -33.4% | -28.9% | -15.8% | -1.0% | -2.5% | 7.1% |
Sales by segment
From XBRL dimensional facts in the 10-K period ending 2025-03-31.
Product / service
$9.37M totalWireless Internet Sevices$5.43M · 58.0%
Fiber Internet Services$2.60M · 27.8%
Other Revenue$1.33M · 14.2%
Peer comparison
Same SIC group: Short-Term Business Credit Institutions
Comparing NICHOLAS FINANCIAL INC against the 5 most active filers in the same SIC group.