CURO Group Holdings Corp.
CURO Group Holdings Corp. Fundamental Analysis
CURO Group Holdings Corp. (CURO) shows weak financial fundamentals with a PE ratio of -0.01, profit margin of -39.67%, and ROE of 1.09%. The company generates $0.7B in annual revenue with N/A year-over-year growth of N/A.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 87.8/100 based on profitability, valuation, growth, and balance sheet metrics. The B+ grade reflects solid fundamentals with room for improvement in valuation or growth.
Fundamental Health Score
We analyze CURO's fundamental strength across five key dimensions:
Efficiency Score
WeakCURO struggles to generate sufficient returns from assets.
Valuation Score
ExcellentCURO trades at attractive valuation levels.
Growth Score
WeakCURO faces weak or negative growth trends.
Financial Health Score
ExcellentCURO maintains a strong and stable balance sheet.
Profitability Score
ModerateCURO maintains healthy but balanced margins.
Key Financial Metrics
Is CURO Expensive or Cheap?
P/E Ratio
CURO trades at -0.01 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, CURO's PEG of -0.00 indicates potential undervaluation.
Price to Book
The market values CURO Group Holdings Corp. at -0.01 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at -27.09 times EBITDA. This is generally considered low.
How Well Does CURO Make Money?
Net Profit Margin
For every $100 in sales, CURO Group Holdings Corp. keeps $-39.67 as profit after all expenses.
Operating Margin
Core operations generate 43.51 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $1.09 in profit for every $100 of shareholder equity.
ROA
CURO Group Holdings Corp. generates $-14.96 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
CURO Group Holdings Corp. generates limited operating cash flow of $43.61M, signaling weaker underlying cash strength.
Free Cash Flow
CURO Group Holdings Corp. produces free cash flow of $43.61M, offering steady but limited capital for shareholder returns and expansion.
FCF Per Share
Each share generates $1.06 in free cash annually.
FCF Yield
CURO converts 15.01% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
-0.01
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
-0.00
vs 25 benchmark
P/B Ratio
Price to book value ratio
-0.01
vs 25 benchmark
P/S Ratio
Price to sales ratio
0.004
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
-4.84
vs 25 benchmark
Current Ratio
Current assets to current liabilities
2.07
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
1.09
vs 25 benchmark
ROA
Return on assets percentage
-0.15
vs 25 benchmark
ROCE
Return on capital employed
0.17
vs 25 benchmark
How CURO Stacks Against Its Sector Peers
| Metric | CURO Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | -0.01 | 18.73 | Better (Cheaper) |
| ROE | 108.91% | 847.00% | Weak |
| Net Margin | -39.67% | 3919.00% | Weak |
| Debt/Equity | -4.84 | 0.93 | Strong (Low Leverage) |
| Current Ratio | 2.07 | 674.76 | Strong Liquidity |
| ROA | -14.96% | -21563.00% (disorted) | Weak |
CURO outperforms its industry in 3 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews CURO Group Holdings Corp.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
N/A
Industry Style: Value, Dividend, Cyclical
EPS CAGR
N/A
Industry Style: Value, Dividend, Cyclical
FCF CAGR
N/A
Industry Style: Value, Dividend, Cyclical