Friday 6 November 2026 Export CUROQ’s income statement to Excel — free account

CURO Group Holdings Corp.

CUROQ Financial Credit Services

CURO Group Holdings Corp.’s revenue for fiscal 2022 (year ended December 2022) was $625.6 million.

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Market cap: $5.9M
P/E: 0.0×
Fwd P/E: −0.2×
Dividend yield: —
F-score: 5/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview

Insider Decisions last twelve months

Trades a month
	Jan 26			Apr 26			Jul 26			Oct 26
Buy	—	—	—	—	—	—	—	—	—	—	—	—
Sell	—	—	—	—	—	—	—	—	—	—	—	—

Insider Ownership 56.62%

Capital & Financial Ratios $m

Size

Market Cap 5.86

Revenue ttm 531.72

Net income ttm (340.17)

Free cash flow ttm (27.42)

Net debt Q 1,888.57

Valuation

P/E 0.00

Forward P/E (0.18)

Price / sales 0.00

Forward P/S Powerpack

Price / FCF 0.00

Price / book 0.00

Financial health

Current ratio Q 9.33

Debt / equity Q (5.09)

Interest coverage Q 0.44

Growth

Revenue growth Q −2.09%

Operating income growth Q +32.95%

EPS, this year +66.23%

EPS, next year A +71.27%

Revenue, next year A +17.01%

EPS, past 5 yrs —

EPS, next 5 yrs A +30.68%

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

Dividends

Yield: —
Annual rate: —
Payout ratio: —
Growth, 2020–25: −100.0%/yr

0.22 ’20
0.39 ’21 +75
0.33 ’22 −14
0.00 ’23 −100
0.00 ’24
0.00 ’25

paid change on the year, %

Assets vs Liabilities $m

	2020	2021	2022	Q'23
Cash	268	162	166	136
Receivables	32	32	22	58
Inventory	—	—	—	—
Other	—	—	—	—
	796	1,697	2,206	1,311

	2020	2021	2022	Q'23
Payables	50	121	74	63
ST’ Debt	—	—	—	—
Other	7	33	17	—
	205	335	224	140

Compound Annual Growth %

	10y	5y	3y
Sales	—	0.45%	(2.42%)
Cash Flow	—	(8.13%)	(24.09%)
Earnings	—	0.00%	0.00%
Book Value	—	0.00%	0.00%

EPS $

	Mar	Jun	Sep	Dec	Year
’26	(1.46)	(1.45)	(2.53)	—	—
’22	0.03	(0.65)	0.63	(4.60)	(4.59)
’21	0.59	2.39	(1.02)	(0.72)	1.38
’20	0.87	0.53	0.31	0.11	1.80
’19	0.78	0.36	0.60	0.68	2.26
’18	0.49	0.33	(0.97)	(0.84)	(0.46)
’17	0.43	0.42	0.25	0.16	1.25

Fiscal quarters ending in the months shown.

Revenue $m

	Mar	Jun	Sep	Dec	Year
’26	147	130	119	—	—
’22	193	175	121	137	626
’21	160	143	139	131	572
’20	167	132	127	132	559
’19	176	152	173	172	673
’18	174	151	142	157	623
’17	163	151	156	141	612

Fiscal quarters ending in the months shown.

Operating Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	(4)	66	(42)	—	—
’22	84	117	95	(11)	285
’21	110	52	58	102	323
’20	152	120	39	94	405
’19	140	171	152	187	651
’18	124	128	110	172	534
’17	57	(7)	(20)	405	435

Fiscal quarters ending in the months shown.

Free Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	(14)	54	(30)	—	—
’22	72	107	98	(38)	239
’21	108	48	50	94	300
’20	149	119	36	90	394
’19	137	168	149	182	637
’18	123	127	105	166	520
’17	54	(11)	(21)	405	426

Fiscal quarters ending in the months shown.

Group	Line	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	TTM Sep ’23	Trend	10 yrs	2023e	2024e	2025e	Next 3/yr
													Ten-year view		Analyst estimates Powerpack
Income, $m
Income, $m	Revenue	—	—	—	570	612	623	673	559	572	626	532		+1.6%	732	748	812	+9.1%
	Gross margin, %	—	—	—	51.42	54.80	52.20	53.29	46.54	42.08	40.33	42.47		(11.1) pt	Powerpack CURO Group Holdings Corp.’s next three years, line by line Analysts expect revenue to grow 9.1% a year to 2025 — faster than the 1.6% of the last 6 years. See the consensus for every other line: earnings, margins, cash flow, valuation and returns. Unlock estimates Try Powerpack free for 7 days, then $99 / year ($8.25 a month). Cancel any time. Also in Powerpack: every quarter, Excel exports, API & MCP access. Compare plans
	EBT	—	—	—	108	102	18	142	80	81	(194)	(335)		n/m
	EBT margin, %	—	—	—	18.94	16.72	2.91	21.16	14.38	14.08	(31.04)	(62.96)		(50.0) pt
	Net income	—	—	—	65	61	16	104	74	59	(185)	(340)		n/m
Per share, $
Per share, $	Revenue	—	—	—	15.04	15.95	13.61	15.07	13.66	13.90	15.47	12.88		+0.5%
	Earnings	—	—	—	1.73	1.25	(0.48)	2.26	1.80	1.38	(4.59)	(10.04)		n/m
	Cash flow	—	—	—	8.69	11.34	11.67	14.56	9.91	7.85	7.04	0.20		(3.4%)
	Capex	—	—	—	(0.42)	(0.23)	(0.31)	(0.31)	(0.27)	(0.57)	(1.13)	(0.87)		+17.9%
	Free cash flow	—	—	—	8.27	11.11	11.36	14.25	9.64	7.28	5.91	(0.66)		(5.4%)
	Book value	—	—	—	1.08	0.19	(0.42)	1.13	3.23	3.90	(1.34)	(9.64)		n/m
	Shares, m	—	—	—	38	38	46	45	41	41	40	41		+1.1%
Valuation, ×
Valuation, ×	P/E	—	—	—	9.20	10.91	0.00	5.03	7.87	12.91	0.00	0.00		6.6
	P/S	—	—	—	0.89	0.88	0.70	0.81	1.05	1.15	0.23	0.00		0.8
	P/B	—	—	—	8.17	75.51	0.00	10.77	4.44	4.11	0.00	0.00		14.7
	EV/Sales	—	—	—	1.66	1.77	1.86	1.87	2.10	4.34	6.57	—		2.9
	EV/FCF	—	—	—	(43.82)	2.54	2.23	1.98	2.98	8.30	17.20	—		(1.2)
Cash, $m
Cash, $m	Operating cash flow	—	—	—	329	435	534	651	405	323	285	8		(2.4%)
	Capex	—	—	—	(16)	(9)	(14)	(14)	(11)	(24)	(46)	(36)		+19.1%
	Free cash flow	—	—	—	313	426	520	637	394	300	239	(27)		(4.4%)
Balance, $m
Balance, $m	Working capital	—	—	—	280	469	553	491	591	1,362	1,982	1,170		+38.5%
	Net debt	—	—	—	426	534	720	681	552	1,784	2,442	1,889		+33.8%
	Shareholders’ equity	—	—	—	41	7	(19)	51	132	160	(54)	(398)		n/m
Returns, %
Returns, %	ROA	—	—	—	9.05	5.99	(2.48)	11.14	6.69	3.26	(7.07)	(17.99)		(16.1) pt
	ROIC	—	—	—	39.28	38.70	29.03	22.79	17.88	4.94	0.17	0.39		(39.1) pt
	ROE	—	—	—	609.55	204.84	368.63	709.84	83.03	40.61	(349.32)	299.47		(958.9) pt
People
People	Employees	—	—	—	—	4,180	4,300	4,000	3,900	5,200	4,000	—		(0.9%)
	Revenue/emp, $m	—	—	—	0.00	0.15	0.14	0.17	0.14	0.11	0.16	—		n/m

Negative figures in brackets.

estimates

All 10 years →

Fiscal years to Dec 2022 · latest quarter Sep 2023 · fundamentals updated 26 Oct 2026

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
ANTA Antalpha Platform Holding Company	$39.5M	2.8×	— (loss-making)	−28.24% (below 0%: shrinking)	n/m	0.00%	56.88%	(205.39%)	Compare
JFIN Jiayin Group Inc. Sponsored ADR	$38.0M	1.9×	— (loss-making)	−58.75% (below 0%: shrinking)	n/m	+213.65% (above 0%: growing)	25.45%	(33.47%)	Compare
VRM Vroom, Inc.	$34.9M	— (loss-making)	— (loss-making)	−4.68% (below 0%: shrinking)	n/m	+8.45% (above 0%: growing)	100.00%	49.68%	Compare
YRD Yirendai Ltd.	$31.7M	— (loss-making)	2.1×	−43.13% (below 0%: shrinking)	n/m	−332.34% (below 0%: shrinking)	78.70%	(39.50%)	Compare
JF J and Friends Holdings Limited - Sponsored ADR	$15.7M	— (loss-making)	—	−64.26% (below 0%: shrinking)	n/m	—	0.00%	0.00%	Compare
AIJTY Jianpu Technology Inc.	$12.8M	— (loss-making)	— (loss-making)	+2.06% (above 0%: growing)	n/m	−75.61% (below 0%: shrinking)	27.49%	(3.82%)	Compare
CUROQ CURO Group Holdings Corp.	$5.9M	— (loss-making)	— (loss-making)	−2.09% (below 0%: shrinking)	n/m	−130.32% (below 0%: shrinking)	44.96%	20.75%
SNTG Sentage Holdings Inc.	$4.4M	— (loss-making)	—	−99.99% (below 0%: shrinking)	−309.09% (below 0%: shrinking)	+29.42% (above 0%: growing)	0.00%	0.00%	Compare
DXF Eason Technology Limited - Sponsored ADR	$730.0K	— (loss-making)	— (loss-making)	−41.75% (below 0%: shrinking)	n/m	−10,477.78% (below 0%: shrinking)	0.00%	0.00%	Compare
Median of peers	$23.7M	—	—	−42.44%	—	0.00%	26.47%	(1.91%)

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