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.
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CURO Group Holdings Corp. (CUROQ) Piotroski F-score
CURO Group Holdings Corp.'s Piotroski F-score for fiscal 2022 is 5 out of 9: 5 of nine tests of profitability, leverage and efficiency passed, up from 4 in fiscal 2021.
Piotroski F-score, annual
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Annual newest first
| Period | Piotroski F-score | Change (points) |
|---|---|---|
| FY2022 | 5 | 1.00 |
| FY2021 | 4 | (2.00) |
| FY2020 | 6 | (1.00) |
| FY2019 | 7 | 4.00 |
| FY2018 | 3 | (2.00) |
| FY2017 | 5 | — |
How fiscal 2022’s score is made up
| Test | This year | Year before | Result | Points |
|---|---|---|---|---|
| Positive return on assets | (7.07%) | 3.26% | Fail | 0 |
| Positive operating cash flow | 284.61m | 323.17m | Pass | 1 |
| Rising return on assets | (7.07%) | 3.26% | Fail | 0 |
| Cash flow above net income | 470.09m | 263.84m | Pass | 1 |
| Falling long-term leverage | 0.99 | 1.07 | Pass | 1 |
| Rising current ratio | 9.84 | 5.07 | Pass | 1 |
| No new shares issued | 40,428,000 | 41,155,000 | Pass | 1 |
| Rising gross margin | 40.33% | 42.08% | Fail | 0 |
| Rising asset turnover | 0.24 | 0.31 | Fail | 0 |
| Piotroski F-score | Mixed | 5 | ||
How the Piotroski F-score works
One point for each of nine tests, this fiscal year against the one before: positive return on assets, positive operating cash flow, rising return on assets, cash flow above net income, falling long-term leverage, a rising current ratio, no new shares issued, a rising gross margin and rising asset turnover. The ratios are the ones on this site, so each can be checked.
Joseph Piotroski (2000) called 8–9 high and 0–1 low; reading it in three bands is the common convention:
| 7–9 | Strong — most fundamentals improved |
|---|---|
| 4–6 | Mixed |
| 0–3 | Weak — most fundamentals deteriorated |
Where this differs from the paper: return on assets is on average rather than beginning-of-year assets, and weighted basic shares stand in for shares issued. The score is shown only when all nine tests can be worked out, which takes three fiscal years; banks and insurers, which report no current assets or gross profit, have none.
Piotroski F-score against peers
| Company | Piotroski F-score |
|---|---|
| AIJTY Jianpu Technology Inc. compare | 6 |
| VRM Vroom, Inc. compare | 5 |
| JF J and Friends Holdings Limited - Sponsored ADR compare | 5 |
| CUROQ CURO Group Holdings Corp. | 5 |
| JFIN Jiayin Group Inc. Sponsored ADR compare | 5 |
| ANTA Antalpha Platform Holding Company compare | 4 |
| SNTG Sentage Holdings Inc. compare | 3 |
| OMCC Old Market Capital Corporation compare | 3 |
| DXF Eason Technology Limited - Sponsored ADR compare | — |
What Piotroski F-score is
The Piotroski F-Score tells an investor how many signs of improving profitability, funding and efficiency a company shows against a year earlier.
One point for each of nine tests against a year earlier: positive return on assets, positive operating cash flow, rising return on assets, cash flow above net income, falling long-term leverage, rising current ratio, no new shares issued, rising gross margin, and rising asset turnover