QC Holdings (QCCO) AI Stock Analysis

• Market Cap: $33.28M
• Dividend Yield: N/A
• Average Volume (3M): 30.35K
• Price to Earnings (P/E): ―
• Beta (1Y): 6.33
• Revenue Growth: N/A
• EPS Growth: N/A
• Country: US
• Employees: 1,270
• Sector: Financial
• Sector Strength: 76
• Industry: Banks - Regional
• EPS (TTM): -0.22
• Shares Outstanding: 17,333,000
• 10 Day Avg. Volume: 90,044
• 30 Day Avg. Volume: 30,354
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): 0.05
• Price to Cash Flow (P/CF): N/A
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

QC Holdings faces significant profitability challenges and high leverage, which impact its financial stability. While strong cash flow generation and operational efficiency are positives, technical indicators show a neutral trend, and valuation metrics highlight concerns. These factors combine for a moderate overall score.

QC Holdings Business Overview & Revenue Model

Company Description

QC Holdings, Inc. (QCCO) operates as a provider of financial services in the United States. The company is primarily engaged in offering short-term consumer loans, including payday loans, installment loans, and title loans. QC Holdings serves customers through a network of retail locations, providing immediate financial solutions to individuals who require quick access to cash.

How the Company Makes Money

QC Holdings makes money by issuing short-term consumer loans such as payday loans, installment loans, and title loans. The company charges fees and interest on these loans, which constitute the primary source of revenue. The interest rates and fees are typically higher than those of traditional bank loans due to the short-term and unsecured nature of the loans offered. QC Holdings also generates revenue from ancillary services, which may include check cashing, money orders, and other related financial products. The company's earnings are influenced by factors such as regulatory changes, consumer demand for short-term financing, and the economic environment.

QC Holdings Financial Statement Overview

Summary

QC Holdings demonstrates steady revenue growth and strong cash flow generation, indicating operational efficiency. However, significant profitability challenges and high leverage pose risks to financial stability and growth prospects.

Income Statement

The income statement shows a slight revenue growth of 10.18% from the previous year, indicating modest growth. However, the company is struggling with profitability, as evidenced by a negative net income in the latest year, resulting in a negative net profit margin and a decrease in EBIT. The gross profit margin remains strong at 91.46%, suggesting efficient cost management at the gross level, but overall profitability issues persist.

Balance Sheet

The balance sheet presents a high debt-to-equity ratio of 3.72, indicating significant leverage, which could pose financial risks. The equity ratio is 18.09%, showing a low level of equity compared to total assets, which may affect financial stability. Return on equity is negative due to net losses, highlighting profitability challenges. Despite these issues, the company maintains a reasonable level of cash and equivalents.

Cash Flow

The cash flow statement reflects strong operating cash flow with a significant free cash flow growth rate of 14.27%, indicating good cash generation capability. The operating cash flow to net income ratio is negative due to net losses, but the free cash flow to net income ratio is exceptionally high, highlighting robust cash generation despite profitability challenges.

Breakdown
Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019
Income Statement		Total Revenue
168.41M	152.82M	90.90M	97.42M	117.31M
	Gross Profit
154.03M	133.91M	76.73M	82.70M	100.13M
	EBIT
10.08M	60.33M	24.00M	29.41M	40.30M
	EBITDA
14.52M	11.04M	6.92M	9.40M	3.51M
	Net Income Common Stockholders
-3.86M	-2.85M	284.00K	2.93M	-4.74M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
15.00M	16.89M	15.27M	13.13M	12.89M
	Total Assets
151.80M	154.10M	100.61M	99.00M	110.70M
	Total Debt
102.24M	99.48M	45.23M	39.52M	54.20M
	Net Debt
87.24M	82.59M	29.96M	26.39M	41.31M
	Total Liabilities
124.34M	122.88M	64.86M	62.76M	77.50M
	Stockholders Equity
27.47M	31.22M	35.74M	36.24M	33.20M
Cash Flow		Free Cash Flow
57.74M	50.53M	23.74M	31.96M	33.93M
	Operating Cash Flow
59.73M	52.54M	24.98M	34.50M	40.18M
	Investing Cash Flow
-61.33M	-90.18M	-28.11M	-18.74M	-52.87M
	Financing Cash Flow
-380.00K	39.53M	5.30M	-15.56M	11.10M

QC Holdings Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 1.92
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For QCCO, the sentiment is Positive. The current price of 1.92 is above the 20-day moving average (MA) of 0.88, above the 50-day MA of 0.56, and above the 200-day MA of 0.42, indicating a bullish trend. The MACD of 0.43 indicates Negative momentum. The RSI at 95.12 is Negative, neither overbought nor oversold. The STOCH value of 98.67 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for QCCO.

QC Holdings Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
WRLD	79 Outperform	$709.14M	8.73	19.28%	―	-2.78%	24.39%
ENVA	76 Outperform	$2.38B	12.42	17.19%	―	25.51%	36.96%
OPFI	74 Outperform	$729.26M	43.94	33.59%	―	2.71%	―
RM	74 Outperform	$324.24M	7.80	12.14%	3.82%	6.73%	151.08%
Sector *	63 Neutral	$12.07B	9.35	8.15%	79.57%	12.85%	-5.13%
QCCO	57 Neutral	$33.28M	―	-14.04%	―	―	―
LC	54 Neutral	$1.06B	20.34	3.96%	―	3.63%	27.77%