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NICK Nicholas Financial

Nicholas Financial, Inc. is a specialized consumer finance company, operating branch locations in primarily Southeastern and Midwestern U.S. States. The Company engages primarily in acquiring and servicing automobile finance installment contracts ("Contracts") for purchases of used and new automobiles and light trucks. Additionally, Nicholas Financial originates direct consumer loans ("Direct Loans") and sells consumer-finance related products.

Company profile

Ticker
NICK
Exchange
CEO
Douglas Marohn
Employees
Incorporated
Location
Fiscal year end
SEC CIK
IRS number
593019317

NICK stock data

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Calendar

22 Jun 21
31 Jul 21
31 Mar 22
Quarter (USD)
Mar 21 Dec 20 Sep 20 Jun 20
Revenue
Cost of revenue
Operating income
Operating margin
Net income
Net profit margin
Cash on hand
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Diluted EPS
Annual (USD)
Mar 21 Mar 20 Mar 19 Mar 18
Revenue
Cost of revenue
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Financial data from company earnings reports.

Date Owner Security Transaction Code Indirect 10b5-1 $Price #Shares $Value #Remaining
1 Jul 21 Marohn Douglas W common Payment of exercise Dispose F No No 11.28 767 8.65K 82,787
25 Jun 21 Adam K Peterson Common Stock Buy Aquire P No No 11.25 3,311 37.25K 2,186,650
9 Jun 21 Marohn Douglas W Common Stock Grant Aquire A No No 0 2,218 0 83,554
9 Jun 21 Marohn Douglas W Common Stock Buy Aquire P No No 11.37 2,218 25.22K 81,336
9 Jun 21 Adam K Peterson Common Stock Buy Aquire P No No 11.14 18,050 201.08K 2,183,339
7 Jun 21 Adam K Peterson Common Stock Buy Aquire P No No 10.98 27,163 298.25K 2,165,289
4 Jun 21 Adam K Peterson Common Stock Buy Aquire P No No 10.98 39,733 436.27K 2,138,126

Data for the last complete 13F reporting period. To see the most recent changes to ownership, click the ownership history button above.

36.0% owned by funds/institutions
13F holders
Current Prev Q Change
Total holders 22 21 +4.8%
Opened positions 2 3 -33.3%
Closed positions 1 3 -66.7%
Increased positions 3 4 -25.0%
Reduced positions 7 7
13F shares
Current Prev Q Change
Total value 47.98M 38.85M +23.5%
Total shares 4.54M 4.64M -2.1%
Total puts 0 0
Total calls 0 0
Total put/call ratio
Largest owners
Shares Value Change
Magnolia 2.09M $22.08M +0.8%
TCW 609.8K $6.45M 0.0%
Dimensional Fund Advisors 496.14K $5.24M -0.2%
Renaissance Technologies 491.63K $5.2M -1.9%
FMR 261.44K $2.76M -5.2%
Vanguard 238.45K $2.52M 0.0%
Geode Capital Management 84.8K $896K 0.0%
Bridgeway Capital Management 62.8K $664K 0.0%
Pathstone Family Office 60K $634K 0.0%
BAC Bank Of America 42.3K $447K -18.8%
Largest transactions
Shares Bought/sold Change
Almitas Capital 0 -74.89K EXIT
Magnolia 2.09M +15.65K +0.8%
FMR 261.44K -14.3K -5.2%
BAC Bank Of America 42.3K -9.77K -18.8%
Renaissance Technologies 491.63K -9.72K -1.9%
Tower Research Capital 568 -2.72K -82.7%
NTRS Northern Trust 14.08K -2.34K -14.3%
BLK Blackrock 25.09K +2.24K +9.8%
California Public Employees Retirement System 29.53K -1.18K -3.8%
Dimensional Fund Advisors 496.14K -905 -0.2%

Financial report summary

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Risks
  • The extent to which COVID-19 and measures taken in response thereto impact our business, results of operations and financial condition will continue to depend on factors outside of our control. COVID-19 has had and is likely to continue to have a material impact on our results of operations and financial condition and heightens many of our known risks.
  • Our success is dependent on our ability to forecast the performance of our Contracts and Direct Loans.
  • We operate in an increasingly competitive market.
  • An increase in market interest rates may reduce our profitability.
  • We depend upon our relationships with our dealers.
  • The auction proceeds we receive from the sale of repossessed vehicles and other recoveries are subject to
  • fluctuation due to economic and other factors beyond our control.
  • We partially rely on third parties to deliver services, and failure by those parties to provide these services or
  • meet contractual requirements could have a material adverse effect on our business, financial condition and
  • Our growth depends upon our ability to retain and attract a sufficient number of qualified employees.
  • Natural disasters, acts of war, terrorist attacks and threats, or the escalation of military activity in response to these attacks or otherwise may negatively affect our business, financial condition, and results of operations.
  • Risks Related to Regulation
  • On October 5, 2017, the CFPB released the final rule Payday, Vehicle Title and Certain High-Cost Installment Loans under the Dodd Frank Act, which as adopted could potentially have a material adverse effect on our operations and financial performance.
  • The CFPB has broad authority to pursue administrative proceedings and litigation for violations of federal consumer financing laws.
  • Pursuant to the authority granted to it under the Dodd-Frank Act, the CFPB adopted rules that subject larger nonbank automobile finance companies to supervision and examination by the CFPB. Any such examination by the CFPB likely would have a material adverse effect on our operations and financial performance.
  • We are subject to many other laws and governmental regulations, and any material violations of or changes in these laws or regulations could have a material adverse effect on our financial condition and business operations.
  • Risks Related to Privacy and Cybersecurity
  • We may experience problems with integrated computer systems or be unable to keep pace with developments in technology or conversion to new integrated computer systems.
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