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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. Dividend growth for three consecutive years, revenue growth for five.

0.04 0.00 0.00%
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 Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Dec 25 Mar 26 Jun 26 Sep 26
Buy — — — — — — — — — — — —
Sell — — — — — — — — — — — —
Insider Ownership 56.62%

Capital & Financial Ratios $m

Market Cap 5.86
Revenue 531.72
Net Income (340.17)
Free Cash Flow (27.42)
Net Debt 1,888.57
Current Ratio 9.33
Debt/Equity (5.09)
P/E ratio 0.00
Fwd P/E (0.18) (negative: loss-making)
P/S ratio 0.00
P/B ratio 0.00
Past 5Y EPS Growth —
This Y EPS Growth 66.23% (at or above 15%: strong)
Next Y EPS Growth 71.27% (at or above 15%: strong)
Next Y revenue growth 17.01% (at or above 10%: strong)
Next 5Y EPS Growth 30.68% (at or above 15%: strong)

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

Dividends

Payout Ratio —
Annual Dividend Rate —
Annual Dividend Yield —
total individual payouts
2025 Powerpack
2024 Powerpack
2023 Powerpack
2022 0.33
0.11
0.11
0.11
2021 0.39
0.06
0.11
0.11
0.11
2020 0.22
0.06
0.06
0.06
0.06
2019 Powerpack
2017 Powerpack
predictions special payouts not included in total or ratios

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%

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.

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) (1.00)
’17 0.43 0.42 0.25 0.16 1.25
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

3
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Group Line 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 Trend 2023e 2024e 2025e
Price, $
Price, $ Low — — — — 13.50 8.74 9.04 3.43 12.58 2.97

Analyst estimates 2023–2025

Powerpack
High — — — — 14.99 32.20 16.99 20.81 20.10 17.12
People
People Employees — — — — 4,180 4,300 4,000 3,900 5,200 4,000
Revenue/emp, $m — — — 0.00 0.15 0.14 0.17 0.14 0.11 0.16
Income, $m
Income, $m Revenue — — — 570 612 623 673 559 572 626
Gross margin, % — — — 51.42 54.80 52.20 53.29 46.54 42.08 40.33
EBT — — — 108 102 18 142 80 81 (194)
EBT margin, % — — — 18.94 16.72 2.91 21.16 14.38 14.08 (31.04)
Net income — — — 65 61 16 104 74 59 (185)
Depreciation — — — 21 23 22 22 21 34 193
Per share, $
Per share, $ Revenue — — — 15.04 15.95 13.61 15.07 13.66 13.90 15.47
Earnings — — — 1.73 1.25 (1.00) 2.26 1.80 1.38 (4.59)
Cash flow — — — 8.69 11.34 11.67 14.56 9.91 7.85 7.04
Capex — — — (0.42) (0.23) (0.31) (0.31) (0.27) (0.57) (1.13)
Free cash flow — — — 8.27 11.11 11.36 14.25 9.64 7.28 5.91
Book value — — — 1.08 0.19 (0.42) 1.13 3.23 3.90 (1.34)
Shares, m — — — 38 38 46 45 41 41 40
Valuation, ×
Valuation, × P/E — — — 9.20 10.91 0.00 5.03 7.87 12.91 0.00
P/S — — — 0.89 0.88 0.70 0.81 1.05 1.15 0.23
P/B — — — 8.17 75.51 0.00 10.77 4.44 4.11 0.00
EV/Sales — — — 1.66 1.77 1.86 1.87 2.10 4.34 6.57
EV/FCF — — — (43.82) 2.54 2.23 1.98 2.98 8.30 17.20
Cash, $m
Cash, $m Operating cash flow — — — 329 435 534 651 405 323 285
Capex — — — (16) (9) (14) (14) (11) (24) (46)
Free cash flow — — — 313 426 520 637 394 300 239
Balance, $m
Balance, $m Working capital — — — 280 469 553 491 591 1,362 1,982
Total debt — — — 627 709 806 791 820 1,946 2,607
Net debt — — — 426 534 720 681 552 1,784 2,442
Shareholders’ equity — — — 41 7 (19) 51 132 160 (54)
Returns, %
Returns, % ROA — — — 9.05 5.99 (2.48) 11.14 6.69 3.26 (7.07)
ROIC — — — 39.28 38.70 29.03 22.79 17.88 4.94 0.17
ROE — — — 609.55 204.84 368.63 709.84 83.03 40.61 (349.32)
Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2022 · latest quarter Sep 2023

Charts ten years each

CURO Group Holdings Corp. vs peers in Credit Services (Q) = latest quarter vs a year earlier

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 $55.9M 3.8× — (loss-making) −28.24% (below 0%: shrinking) n/m 0.00% 56.88% (205.39%) Compare
VRM Vroom, Inc. $46.3M — (loss-making) — (loss-making) −4.68% (below 0%: shrinking) n/m +8.45% (above 0%: growing) 100.00% 49.68% Compare
JFIN Jiayin Group Inc. Sponsored ADR $30.9M 1.7× — (loss-making) −58.75% (below 0%: shrinking) n/m +213.65% (above 0%: growing) 25.45% (33.47%) Compare
OMCC Old Market Capital Corporation $24.4M — (loss-making) 26.3× +6.80% (above 0%: growing) n/m −34.36% (below 0%: shrinking) 86.04% (30.48%) Compare
JF J and Friends Holdings Limited - Sponsored ADR $16.0M — (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. $4.9M — (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 $1.5M — (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 $20.2M — — −34.99% — 0.00% 26.47% (1.91%)

All 55 Credit Services stocks →

CURO Group Holdings Corp. (CUROQ) key facts

  • CURO Group Holdings Corp. (CUROQ) is a Credit Services company in the Financial sector.
  • CURO Group Holdings Corp.’s revenue for fiscal 2022 (year ended December 2022) was $625.6 million.
  • As of July 23, 2024, CUROQ traded at $0.04, a market capitalization of $5.9 million.
  • Return on equity was −349.3% and debt-to-equity -5.09.
  • Its Piotroski F-score is 5 out of 9 for fiscal 2022.

Source: company filings (standardised) and stockrow calculations.

CURO Group Holdings Corp. (CUROQ) Latest News

17 May

Impact 4 ·
stockrow.com/CUROQ · Data as of Sep 30, 2023 · For information only; not investment advice. · © 2026 stockrow.com