Nicholas Financial Inc  (NICK)
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Nicholas Financial Inc's



NICK Sales vs. its Competitors Q2 2019

Comparing the results to its competitors, Nicholas Financial Inc reported Total Revenue decrease in the 2 quarter 2019 year on year by -11.29 %, despite revenue increase by most of its competitors of 0.8 %, recorded in the same quarter.

List of NICK Competitors

With net margin of 3.55 % company reported lower profitability than its competitors.

More on NICK Margin Comparisons

Revenue Growth Comparisons

Net Income Comparison

Nicholas Financial Inc Net Income in 2 quarter 2019 declined year on year by -58.38 %, faster than the decline experianced by the competitors of -15.06 %.

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Nicholas Financial Inc's Comment on Competitors and Industry Peers

The consumer finance industry is highly fragmented and highly competitive. Due to various factors, including the existing low interest rate environment, the competitiveness of the industry continues to increase as new competitors continue to enter the market and certain existing competitors continue to expand their operations. There are numerous financial service companies that provide consumer credit in the markets served by the Company, including banks, credit unions, other consumer finance companies, and captive finance companies owned by automobile manufacturers and retailers. Many of these companies have significantly greater resources than the Company. Increased competition for the purchase of Contracts has caused a reduction in the interest rates payable by many individual purchasers of automobiles, and the Company believes that continued increased competition could materially reduce such interest rates in the foreseeable future. In addition, increased competition for the purchase of Contracts has enabled automobile dealers to shop for the best price, thereby giving rise to an erosion in the dealer discounts from the initial principal amounts at which the Company is willing to purchase Contracts and higher advance rates.


Total Segment Market Share Q2 2019

despite revenue deterioration, Nicholas Financial Inc inceased its market share in this segment.

company inceased its market share in this segment to approximate 0.21 %.

<<  More on NICK Market Share.

*Market share is not actual measurement, only performance comparison of companies which report and operate within the same segment.

NICK's vs. Competition, Data

(Revenue and Income for Trailing 12 Months, in Millions of $, except Employees)

Nicholas Financial Inc NICK 75 69 -4 333
General Electric Co GE 55,754 118,968 -18,250 305,000
Huntington Bancshares Inc HBAN 15,425 4,331 1,425 11,873
Cit Group Inc. CIT 4,293 2,220 480 3,360
Ford Motor Credit Co Llc F1 0 24,164 2,126 6,800
Paccar Inc PCAR 26,116 18,537 2,303 23,000
Orix Corp IX 98,072 22,718 3,051 33,333
Capital One Financial Corp COF 43,903 22,767 6,252 46,000
Ford Motor Co F 36,960 158,654 2,214 187,000
Mint Leasing Inc MLES 0 0 0 17
American International Group, Inc. AIG 47,214 49,063 508 65,000
General Motors Financial Company, Inc. ACF 0 14,703 1,623 6,267
Ally Financial Inc. ALLY 12,298 6,093 1,620 7,100
Avangard Capital Group, Inc AVGC 0 0 0 1
Credit Acceptance Corp CACC 8,632 1,399 632 1,425
Consumer Portfolio Services Inc CPSS 83 373 14 935
Onemain Holdings, Inc. LEAF 428 2,346 475 11,400
Santander Consumer Usa Holdings Inc. SC 8,926 8,854 955 5,100
Toyota Motor Credit Corporation TMCC 0 9,711 3,337 3,140
Toyota Motor Corp TM 400,794 281,696 18,505 348,877
SUBTOTAL 758,973 746,666 27,264 1,065,961


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