Nicholas Financial, Inc. (Nasdaq:NICK) operates as a consumer finance company with 47 branches around the United States. They typically engage in acquiring and servicing automobile finance installment contracts for the purchase of new and used automobiles and light trucks. In short, they purchase and service auto loans for auto dealers.
Comps: Mogo Inc. (Nasdaq:MOGO), Elevate Credit, Inc. (NYSE:ELVT)
In comparison to these other credit services firms, Nicholas Financial recorded more favorable earnings per share, price to earnings per share, and debt to equity ratios than either of these firms. Despite the significantly smaller operation, they managed to show better earnings ratios and are less constrained by debt.