CURO - Curo Group Holdings Corp Stock Price, Fair Value and News

0.07USD-0.02 (-22.22%)Market Closed

Market Summary

USD0.07-0.02

Market Closed

-22.22%

CURO Stock Price

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CURO RSI Chart

CURO Valuation

Market Cap

2.9M

Price/Earnings (Trailing)

-0.01

Price/Sales (Trailing)

EV/EBITDA

0.88

Price/Free Cashflow

0.34

CURO Price/Sales (Trailing)

CURO Profitability

Operating Margin

44.19%

EBT Margin

-40.52%

Return on Equity

-329.15%

Return on Assets

-23.05%

Free Cashflow Yield

292.52%

CURO Fundamentals

CURO Revenue

Revenue (TTM)

853.2M

Rev. Growth (Yr)

-9.95%

Rev. Growth (Qtr)

-19.78%

CURO Earnings

Earnings (TTM)

-409.6M

Earnings Growth (Yr)

-507.13%

Earnings Growth (Qtr)

-76.04%

Breaking Down CURO Revenue

Last 7 days

50%

Last 30 days

-40%

Last 90 days

-88.2%

Trailing 12 Months

-94.9%

How does CURO drawdown profile look like?

CURO Financial Health

Debt/Equity

16.79

Debt/Cashflow

CURO Investor Care

Shares Dilution (1Y)

2.73%

Diluted EPS (TTM)

-10.05

Historical Charts for Stock Metrics

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Net sales

Year	Q1	Q2	Q3	Q4
2023	966.9M	871.8M	853.2M	0
2022	911.5M	1.0B	1.0B	1.0B
2021	763.1M	768.3M	795.6M	817.8M
2020	1.1B	1.1B	947.6M	847.4M
2019	1.1B	1.1B	1.1B	1.1B
2018	959.1M	988.9M	1.0B	1.0B
2017	827.2M	859.5M	891.8M	924.1M
2016	0	0	0	794.9M

Get all data in R, Python etc through our Historical Stock Data APIs

Tracking the Latest Insider Buys and Sells of Curo Group Holdings Corp

Filter Transactions

Datesorted ascending	Name	Buy/Sell	$ Value	Avg. Price	# Shares	Title
Feb 26, 2024	schulz tamara l	sold (taxes)	-1,126	0.2373	-4,749	chief accounting officer
Feb 26, 2024	clark douglas d	sold (taxes)	-7,753	0.2373	-32,672	chief executive officer
Feb 26, 2024	dawood ismail	sold (taxes)	-3,821	0.2373	-16,103	chief financial officer
Feb 26, 2024	fulk gary l.	sold (taxes)	-1,840	0.2373	-7,758	coo, direct lending
Feb 26, 2024	kirsche daniel david	sold (taxes)	-2,215	0.2373	-9,335	chief technology officer
Feb 10, 2024	schulz tamara l	sold (taxes)	-424	0.25	-1,699	chief accounting officer
Feb 10, 2024	fulk gary l.	sold (taxes)	-524	0.25	-2,097	coo, direct lending
Feb 10, 2024	kirsche daniel david	sold (taxes)	-838	0.25	-3,352	chief technology officer
Feb 10, 2024	clark douglas d	sold (taxes)	-1,529	0.25	-6,117	chief executive officer
Jan 02, 2024	clark douglas d	bought	8,479	0.8479	10,000	chief executive officer

Which funds bought or sold CURO recently?

View All Details

Datesorted ascending	Fund Name	Type	% Chg	$ Change	$ Held	% Portfolio
Apr 10, 2024	Key Colony Management, LLC	unchanged	-	-33,870	3,248	-%
Apr 10, 2024	CVA Family Office, LLC	sold off	-100	-360	-	-%
Mar 22, 2024	PNC Financial Services Group, Inc.	sold off	-100	-1,370	-	-%
Mar 11, 2024	VANGUARD GROUP INC	reduced	-3.35	-307,482	859,009	-%
Mar 01, 2024	GOLDMAN SACHS GROUP INC	added	334	100,857	144,566	-%
Feb 15, 2024	BARCLAYS PLC	unchanged	-	-2,000	3,000	-%
Feb 15, 2024	JANE STREET GROUP, LLC	new	-	9,823	9,823	-%
Feb 14, 2024	Royal Bank of Canada	reduced	-99.38	-	-	-%
Feb 14, 2024	STATE STREET CORP	unchanged	-	-19,805	63,375	-%
Feb 14, 2024	BRIDGEWAY CAPITAL MANAGEMENT, LLC	unchanged	-	-26,291	84,134	-%

Are Funds Buying or Selling CURO?

Are funds buying CURO calls or puts?

Calls

Puts

No. of funds holding Calls - Puts

Net Call Options

No. of funds that own CURO

No. of Funds

Unveiling Curo Group Holdings Corp's Major ShareHolders

Date Filed	Name of Filer	Percent of Class	No. of Shares	Form Type
Feb 14, 2024	long focus capital management, llc	8.2%	3,396,130	SC 13G/A
Feb 12, 2024	oco capital gp llc	4.94%	2,039,163	SC 13G/A
Feb 09, 2024	curo group holdings corp.	10.9%	4,494,536	SC 13G/A
Feb 01, 2024	oco capital gp llc	6.30%	2,600,000	SC 13G/A
Jun 09, 2023	long focus capital management, llc	4.1%	1,661,093	SC 13G
May 19, 2023	oco capital gp llc	9.64%	3,950,000	SC 13G/A
Feb 14, 2023	empyrean capital partners, lp	4.7%	1,900,000	SC 13G/A
Feb 13, 2023	faulkner chadwick heath	10.7%	4,341,502	SC 13G/A
Feb 13, 2023	mcknight michael	14.4%	5,830,300	SC 13G/A
Jan 20, 2023	oco capital gp llc	9.8%	3,950,000	SC 13D

Recent SEC filings of Curo Group Holdings Corp

View All Filings

Date Filed	Form Type	Document
Mar 29, 2024	15-12G	15-12G
Mar 28, 2024	EFFECT	EFFECT
Mar 26, 2024	POS AM	POS AM
Mar 26, 2024	S-8 POS	Employee Benefits Plan
Mar 26, 2024	S-8 POS	Employee Benefits Plan
Mar 25, 2024	8-K	Current Report
Mar 19, 2024	8-K	Current Report
Mar 15, 2024	8-K	Current Report
Mar 14, 2024	25-NSE	25-NSE
Mar 01, 2024	8-K	Current Report

Peers (Alternatives to Curo Group Holdings Corp)

Name	Mkt Capsorted ascending	Revenue	Price %, 1M	Returns, 1Y	P/E	P/S	Rev 1-Yr	Inc 1-Yr
LARGE-CAP
MA	434.1B	25.1B	-3.36%	23.36%	38.77	17.3	12.87%	12.74%
AXP	158.0B	60.5B	-0.06%	33.36%	18.87	2.61	14.48%	11.45%
PYPL	68.0B	29.8B	0.94%	-17.96%	16.01	2.28	8.19%	75.53%
COF	51.9B	41.9B	0.63%	39.44%	10.51	1.24	34.26%	32.87%
DFS	30.0B	17.8B	-0.53%	16.50%	10.14	1.68	38.72%	-32.51%
ALLY	10.9B	14.0B	-4.44%	32.71%	10.71	0.78	31.42%	-40.49%
MID-CAP
CACC	6.6B	1.9B	-1.87%	11.23%	23.17	3.49	3.79%	-46.60%
FCFS	5.9B	3.2B	9.71%	34.62%	26.78	1.86	15.50%	-13.49%
WU	4.3B	4.4B	-5.79%	13.29%	6.94	1	-2.65%	-31.25%
NNI	3.5B	1.1B	6.08%	1.40%	38.11	3.14	8.54%	-77.53%
SMALL-CAP
ENVA	1.6B	2.1B	-2.01%	26.08%	9.42	0.78	21.98%	-15.57%
ATLC	385.5M	1.2B	-12.39%	-8.66%	3.75	0.33	10.41%	-24.15%
CPSS	184.3M	352.0M	8.05%	-5.22%	4.06	0.52	6.77%	-47.27%
AIHS	7.2M	7.3M	-25.74%	-15.73%	-1.86	0.98	-51.06%	-195.09%
CURO	2.9M	853.2M	-40.00%	-94.94%	-0.01	0	-15.13%	-1364.54%

Curo Group Holdings Corp News

Latest updates

Curo Group Holdings Corp Earnings Report: Key Takeaways & Analysis

Income Statement (Last 12 Months)

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Income Statement (Quarterly)																					(In Millions)
Description	(%) Q/Q	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1	2018Q4	2018Q3
Revenue	-19.8%	168	209	209	267	186	304	290	224	209	188	197	202	182	183	281	302	297	264	278	288	269
Cost Of Revenue	-12.9%	94.00	108	118	156	103	160	154	140	123	117	107	64.00	64.00	55.00	68.00	77.00	77.00	71.00	70.00	75.00	81.00
Gross Profit	-	-	-	-	-	-	-	-	-	74.00	85.00	102	69.00	64.00	76.00	100	95.00	97.00	81.00	105	82.00	61.00
EBITDA Margin	-182.4%	-0.11*	-0.04*	-0.03*	-0.01*	0.12*	0.01*	0.18*	0.22*	0.27*	0.36*	0.20*	0.18*	-	-	-	-	-	-	-	-	-
Interest Expenses	-15.6%	56.00	66.00	59.00	74.00	38.00	42.00	38.00	29.00	26.00	23.00	20.00	19.00	18.00	18.00	17.00	18.00	17.00	17.00	18.00	18.00	23.00
Income Taxes	-55.4%	1.00	2.00	21.00	-27.64	22.00	-6.99	1.00	-8.02	-13.37	34.00	8.00	4.00	-0.82	1.00	2.00	10.00	11.00	7.00	10.00	2.00	-16.91
Earnings Before Taxes	42.9%	-32.59	-57.04	-38.77	-217	43.00	-33.07	2.00	-36.90	-55.41	139	34.00	8.00	12.00	22.00	38.00	39.00	39.00	25.00	39.00	17.00	-59.50
EBT Margin	-30.7%	-0.41*	-0.31*	-0.25*	-0.20*	-0.02*	-0.12*	0.05*	0.10*	0.16*	0.25*	0.10*	0.09*	-	-	-	-	-	-	-	-	-
Net Income	-76.0%	-104	-59.33	-59.47	-186	26.00	-26.08	1.00	-28.88	-42.04	105	26.00	4.00	13.00	21.00	36.00	30.00	27.00	17.00	37.00	-14.30	-47.02
Net Income Margin	-49.7%	-0.48*	-0.32*	-0.25*	-0.18*	-0.03*	-0.09*	0.04*	0.07*	0.12*	0.19*	0.08*	0.09*	-	-	-	-	-	-	-	-	-
Free Cashflow	-164.0%	-42.22	66.00	-4.14	-11.12	95.00	117	84.00	102	58.00	52.00	110	94.00	-	-	-	-	-	-	-	-	-

Balance Sheet

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Balance Sheet																					(In Millions)
Description	(%) Q/Q	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1	2018Q4	2018Q3
Assets	-35.3%	1,777	2,745	2,622	2,789	2,777	2,678	2,542	2,461	1,592	1,544	1,408	1,183	1,127	1,127	1,067	1,082	1,068	1,085	1,034	920	996
Cash Equivalents	-26.6%	83.00	113	55.00	51.00	40.00	37.00	60.00	63.00	206	276	135	213	207	269	139	75.00	62.00	92.00	83.00	61.00	166
Net PPE	-15.9%	24.00	28.00	30.00	29.00	37.00	39.00	55.00	55.00	48.00	51.00	58.00	60.00	62.00	64.00	67.00	71.00	70.00	73.00	75.00	77.00	80.00
Goodwill	-	-	-	-	-	-	-	431	430	176	-	181	136	135	134	133	121	120	120	120	119	144
Liabilities	-27.8%	2,175	3,013	2,851	2,843	2,653	2,563	2,390	2,300	1,395	1,278	1,248	1,051	1,014	1,034	1,007	1,031	1,033	1,028	997	939	986
Long Term Debt	-	-	-	-	-	-	-	2,090	1,946	1,132	1,019	1,000	820	799	800	-	791	-	-	-	-	-
Shareholder's Equity	-	-	-	-	-	124	116	153	160	197	267	160	132	113	93.00	60.00	51.00	35.00	57.00	37.00	-	10.00
Retained Earnings	-45.9%	-332	-227	-168	4.00	191	169	200	203	237	283	183	160	158	147	127	93.00	63.00	36.00	19.00	-18.07	-3.77
Additional Paid-In Capital	0.0%	128	128	125	124	121	119	115	114	88.00	84.00	81.00	80.00	77.00	74.00	71.00	68.00	68.00	65.00	62.00	60.00	64.00
Shares Outstanding	0.4%	41.00	41.00	41.00	41.00	40.00	40.00	40.00	41.00	41.00	42.00	42.00	41.00	-	-	-	-	-	-	-	-	-
Float	-	-	-	-	-	-	130	-	-	-	396	-	-	-	155	-	-	-	193	-	-	-

Cashflow (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Cashflow (Quarterly)																					(In Thousands)
Description	(%) Q/Q	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1	2018Q4	2018Q3
Cashflow From Operations	-164.0%	-42,224	65,948	-4,143	-11,124	94,522	117,476	83,733	102,463	57,815	52,403	110,492	93,759	38,946	120,314	152,200	186,842	151,974	171,320	140,495	171,823	110,450
Share Based Compensation	-96.3%	98.00	2,618	1,636	5,492	-44.00	4,416	4,093	3,828	3,998	3,467	2,683	3,014	3,392	3,304	3,200	2,736	2,771	2,644	2,172	2,098	2,089
Cashflow From Investing	-2.5%	-106,184	-103,625	7,006	-148,657	-143,800	-297,822	-187,670	-640,092	-189,698	69,920	-163,618	-107,162	-96,931	27,537	-78,500	-139,072	-163,457	-158,097	-83,847	-174,941	-233,004
Cashflow From Financing	-17.7%	65,331	79,371	9,091	133,412	93,727	163,601	110,322	424,584	58,619	8,153	-65.00	11,061	-5,855	4,823	-2,700	-39,480	-13,308	-3,915	-41,265	-71,357	171,110
Dividend Payments	388.0%	122	25.00	326	24.00	-	-	4,791	-	-	-	2,368	2,338	2,250	2,300	2,200	-	-	-	-	-	-
Buy Backs	-	-	-	-	-1,001	-	-	13,531	28,257	15,940	1,251	-	-	-	8.00	5,900	19,770	50,410	1,762	-	-	-

CURO Income Statement

2023-09-30

CONDENSED CONSOLIDATED STATEMENTS OF OPERATIONS - USD ($) shares in Thousands, $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
Revenue
Total revenue	$ 167,863	$ 186,409	$ 504,247	$ 737,547
Provision for losses	49,009	65,020	161,128	277,421
Net revenue	118,854	121,389	343,119	460,126
Operating Expenses
Salaries and benefits	52,148	49,179	161,911	196,121
Occupancy	10,454	12,419	32,683	46,442
Advertising	2,819	4,676	6,785	27,342
Direct operations	12,176	8,288	33,953	41,438
Depreciation and amortization	5,390	5,683	16,119	17,070
Other operating expense	11,207	22,595	37,179	56,354
Total operating expenses	94,194	102,840	288,630	384,767
Other expense (income)
Interest expense	55,798	38,155	150,303	103,840
Loss from equity method investment	1,453	2,309	7,000	2,053
Extinguishment or modification of debt costs	0	3,702	8,864	3,702
Gain on sale of business	0	(68,443)	2,027	(68,443)
Miscellaneous expenses	0	0	1,435	0
Total other expense (income)	57,251	(24,277)	169,629	41,152
(Loss) income from continuing operations before income taxes	(32,591)	42,826	(115,140)	34,207
Provision for income taxes from continuing operations	1,021	21,709	27,445	22,109
Net (loss) income from continuing operations	(33,612)	21,117	(142,585)	12,098
Net (loss) income from discontinued operations	(70,830)	4,536	(80,655)	(11,189)
Net (loss) income	$ (104,442)	$ 25,653	$ (223,240)	$ 909
Basic (loss) earnings per share:
Basic (loss) earnings per share, continuing operations (in usd per share)	$ (0.81)	$ 0.52	$ (3.48)	$ 0.30
Basic (loss) earnings per share, discontinued operations (in usd per share)	(1.72)	0.11	(1.97)	(0.28)
Basic (loss) earnings per share (in usd per share)	(2.53)	0.63	(5.45)	0.02
Diluted (loss) earnings per share:
Diluted (loss) earnings per share, continuing operations (in usd per share)	(0.81)	0.52	(3.48)	0.3
Diluted (loss) earnings per share, discontinued operations (in usd per share)	(1.72)	0.11	(1.97)	(0.28)
Diluted (loss) earnings per share (in usd per share)	$ (2.53)	$ 0.63	$ (5.45)	$ 0.02
Weighted average common shares outstanding:
Basic (in shares)	41,267	40,479	41,018	40,203
Diluted (in shares)	41,267	40,835	41,018	40,754
Interest and fees revenue
Revenue
Total revenue	$ 143,493	$ 155,940	$ 429,563	$ 659,725
Insurance and other income
Revenue
Total revenue	$ 24,370	$ 30,469	$ 74,684	$ 77,822

CURO Balance Sheet

2023-09-30

CONDENSED CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Sep. 30, 2023	Dec. 31, 2022
ASSETS
Cash and cash equivalents	$ 82,550	$ 50,856
Restricted cash (includes restricted cash of consolidated VIEs of $24,613 and $20,177 as of September 30, 2023 and December 31, 2022, respectively)	53,818	59,645
Gross loans receivable (includes loans of consolidated VIEs of $1,165,529 and $1,130,837 as of September 30, 2023 and December 31, 2022, respectively)	1,254,401	1,254,395
Less: Allowance for credit losses (includes allowance for credit losses of consolidated VIEs of $185,669 and $67,609 as of September 30, 2023 and December 31, 2022, respectively)	(199,739)	(81,185)
Loans receivable, net	1,054,662	1,173,210
Income taxes receivable	58,064	23,984
Prepaid expenses and other (includes prepaid expenses and other of consolidated VIEs of $16 and $5,069 as of September 30, 2023 and December 31, 2022, respectively)	61,441	51,081
Property and equipment, net	23,903	29,232
Investment in Katapult	16,915	23,915
Right of use asset - operating leases	51,413	58,177
Deferred tax assets (includes deferred tax assets of consolidated VIEs of $99 and $3,735 as of September 30, 2023 and December 31, 2022, respectively)	14,194	18,138
Goodwill	276,269	276,269
Intangibles, net	74,336	70,913
Other assets	9,387	8,370
Assets, discontinued operations	0	945,403
Total Assets	1,776,952	2,789,193
Liabilities
Accounts payable and accrued liabilities (includes accounts payable and accrued liabilities of consolidated VIEs of $3,006 and $6,704 as of September 30, 2023 and December 31, 2022, respectively)	62,992	45,595
Deferred revenue (includes deferred revenue of consolidated VIEs of $14 and $31 as of September 30, 2023 and December 31, 2022, respectively)	2,358	3,467
Lease liability - operating leases	51,579	59,396
Income taxes payable	2,537	0
Accrued interest (includes accrued interest of consolidated VIEs of $8,284 and $7,023 as of September 30, 2023 and December 31, 2022, respectively)	20,953	38,460
Debt (includes debt and issuance costs of consolidated VIEs of $897,720 and $11,979 as of September 30, 2023 and $878,103 and $13,428 as of December 31, 2022, respectively)	2,024,934	1,882,608
Other long-term liabilities	9,620	11,736
Liabilities, discontinued operations	0	802,065
Total Liabilities	2,174,973	2,843,327
Commitments and contingencies (Note 7)
Stockholders' (Deficit) Equity
Preferred stock - $0.001 par value, 25,000,000 shares authorized; no shares were issued	0	0
Common stock - $0.001 par value; 225,000,000 shares authorized; 50,998,655 and 50,216,165 shares issued; and 41,300,542 and 40,518,052 shares outstanding at the respective period ends	23	23
Treasury stock, at cost - 9,698,113 shares at the respective period ends	(136,832)	(136,832)
Paid-in capital	127,877	124,483
(Accumulated deficit)/retained earnings	(332,464)	4,268
Accumulated other comprehensive loss	(56,625)	(46,076)
Total Stockholders' Deficit	(398,021)	(54,134)
Total Liabilities and Stockholders' (Deficit) Equity	$ 1,776,952	$ 2,789,193

About Curo Group Holdings Corp

CURO Group Holdings Corp., together with its subsidiaries, provides consumer finance products in the United States and Canada. The company offers secured and unsecured installment loans, revolving line of credit, and single-pay loans; and credit protection insurance, check cashing, money transfer, foreign currency exchange, and other ancillary financial products and services, as well as reloadable prepaid debit cards and demand deposit accounts. The company also provides loans through online. It operates under the Covington Credit, Heights Finance, Quick Credit, Southern Finance, First Heritage Credit, Cash Money, LendDirect, and Flexiti brands. The company was formerly known as Speedy Group Holdings Corp. and changed its name to CURO Group Holdings Corp. in May 2016. CURO Group Holdings Corp. was founded in 1997 and is headquartered in Chicago, Illinois.

CEO	Mr. Douglas D. Clark
WEBSITE	curo.com
INDUSTRY	Credit Services
EMPLOYEES	4000

Curo Group Holdings Corp Frequently Asked Questions

What is the ticker symbol for Curo Group Holdings Corp? What does CURO stand for in stocks?

CURO is the stock ticker symbol of Curo Group Holdings Corp. Every public company that trades on a stock exchange gets a ticker symbol.

What is the market capital of Curo Group Holdings Corp (CURO)?

As of Mon Apr 15 2024, market cap of Curo Group Holdings Corp is 2.89 Million. The market capitalization is calculated by multiplying the stock price with the number of shares outstanding.

What is the fair value of CURO stock?

You can check CURO's fair value in chart for subscribers.

What is the fair value of CURO stock?

You can check CURO's fair value in chart for subscribers. The fair value of Curo Group Holdings Corp is provided for various growth and macro-economic scenarios from very pessimiatic to very optimistic assumptions. These fair values are estimates from Grufity's Fair Value model based on company's past performance. However, past performance of Curo Group Holdings Corp is no guarantee of future performance. These fairvalue estimates should only be used as one of the inputs in your stock analysis. We provide model's historical fair value estimates for CURO so that you know how good or bad the model has been in the past so you can discard it if needed. There are others that provide fair values of stocks such as wallmine, finbox, gurufocus and finviz. Most provide point in time estimates. We provide a history of our models fair value estimates so that you can get a sense of it's usefulness. Otherwise this data point is of little use.

Is Curo Group Holdings Corp a good stock to buy?

The fair value guage provides a quick view whether CURO is over valued or under valued. Whether Curo Group Holdings Corp is cheap or expensive depends on the assumptions which impact Curo Group Holdings Corp's fair value. We provide several scenarios of inflation and growth to encompass these range of assumptions for CURO.

What is Curo Group Holdings Corp's Price to Earnings (PE) and Price to sales (PS) ratio?

As of Mon Apr 15 2024, CURO's PE ratio (Price to Earnings) is -0.01 and Price to Sales (PS) ratio is 0. The price to earnings and price to sales ratio are two most important valuation metrics for any company. PE ratio tell us the number of years of earnings investors are ready to pay for owning the company. Historically, S&P500 price to earnings ratio has fallen below 12 during periods of gloom and gone past 30 during periods of euphoria. CURO PE ratio will change depending on the future growth rate expectations of investors.