QC Holdings (QCCO) AI Stock Analysis

• Market Cap: $34.06M
• Dividend Yield: N/A
• Average Volume (3M): 7.03K
• Price to Earnings (P/E): ―
• Beta (1Y): 5.54
• Revenue Growth: N/A
• EPS Growth: N/A
• Country: US
• Employees: 1,270
• Sector: Financial
• Sector Strength: 78
• Industry: Banks - Regional
• EPS (TTM): N/A
• Shares Outstanding: 17,333,000
• 10 Day Avg. Volume: 1,171
• 30 Day Avg. Volume: 7,025
• PEG Ratio: 0.21
• Price to Book (P/B): 1.74
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.56
• Enterprise Value/Market Cap: 3.85
• Enterprise Value/Revenue: 0.19
• Enterprise Value/Gross Profit: 1.36
• Enterprise Value/Ebitda: -8.22
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 58 Neutral
• Price Target: ―

QC Holdings exhibits strong technical momentum but is burdened by weak financial performance and challenging valuation metrics. The stock's overbought status and negative profitability highlight potential risks, despite positive revenue growth and stable cash flow. Improvements in profitability and debt management could enhance the financial outlook.

QC Holdings Business Overview & Revenue Model

Company Description

QC Holdings, Inc. (QCCO) is a financial services provider specializing in offering short-term consumer loans. The company primarily operates in the payday loan sector, providing quick and convenient financial solutions to individuals who require immediate cash but may not have access to traditional banking services. QC Holdings is known for its straightforward loan application processes and customer-centric approach, making it a notable player in the short-term lending industry.

How the Company Makes Money

QC Holdings generates revenue primarily through the interest and fees associated with its short-term loan products. The company's business model is centered around providing payday loans, which are typically small cash advances that borrowers must repay by their next paycheck. These loans come with high interest rates and fees, which constitute the bulk of QC Holdings' income. Additionally, QC Holdings may earn money through ancillary financial services and products, such as installment loans and check cashing. The company's ability to maintain profitability is influenced by factors such as regulatory changes in the lending landscape, consumer demand for short-term credit, and its operational efficiency in managing loan defaults and delinquencies.

QC Holdings Financial Statement Overview

Summary

QC Holdings faces significant financial challenges, notably in profitability and leverage. The income statement shows declining EBIT and consistent negative net income, although there is some positive revenue growth. The balance sheet reveals high leverage and declining equity, while the cash flow statement shows some strength with consistent operating cash flow. Overall, financial health is strained.

Income Statement

The income statement reveals a challenging environment for QC Holdings, with declining EBIT and net income over multiple years. The company has experienced negative net income consistently in recent years, indicating profitability issues. However, there is positive revenue growth from 2023 to 2024, which is a favorable sign, though gross and net profit margins remain weak.

Balance Sheet

QC Holdings' balance sheet shows high leverage with a significant debt-to-equity ratio, posing financial risk. The declining equity over the years is concerning, although the company maintains a stable asset base. The equity ratio indicates low equity relative to total assets, highlighting potential vulnerability in financial stability.

Cash Flow

The cash flow statement is a relative strength for QC Holdings, with consistent operating cash flow generation and positive free cash flow, signaling good cash management. However, free cash flow growth is modest, and cash flow ratios indicate potential concerns with operating efficiency relative to net income.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	168.44M	178.22M	168.41M	152.82M	90.90M	97.42M
Gross Profit	96.26M	161.06M	154.03M	133.91M	76.73M	82.70M
EBITDA	2.94M	15.27M	14.52M	11.04M	6.92M	9.40M
Net Income	-3.86M	-7.35M	-3.86M	-2.85M	284.00K	2.93M
Balance Sheet
Total Assets	89.20M	151.94M	151.80M	154.10M	100.61M	99.00M
Cash, Cash Equivalents and Short-Term Investments	11.32M	12.98M	15.00M	16.89M	15.27M	13.13M
Total Debt	35.13M	109.89M	102.24M	99.48M	45.23M	39.52M
Total Liabilities	51.04M	132.18M	124.34M	122.88M	64.86M	62.76M
Stockholders Equity	38.16M	19.76M	27.47M	31.22M	35.74M	36.24M
Cash Flow
Free Cash Flow	57.74M	60.78M	57.74M	50.53M	23.74M	31.96M
Operating Cash Flow	59.73M	64.58M	59.73M	52.54M	24.98M	34.50M
Investing Cash Flow	-61.33M	-73.16M	-61.33M	-90.18M	-28.11M	-18.74M
Financing Cash Flow	-380.00K	6.83M	-380.00K	39.53M	5.30M	-15.56M

QC Holdings Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 1.96
• 50DMA: Negative
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

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 1.96 is below the 20-day moving average (MA) of 1.96, below the 50-day MA of 1.96, and above the 200-day MA of 0.82, indicating a neutral trend. The MACD of 0.02 indicates Positive momentum. The RSI at 58.11 is Neutral, neither overbought nor oversold. The STOCH value of 66.67 is Neutral, 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
ASRV	74 Outperform	$50.88M	14.07	3.36%	3.90%	7.80%	―
HFBL	72 Outperform	$42.75M	12.57	6.24%	3.80%	-2.69%	-21.26%
Sector *	67 Neutral	¥722.67B	10.84	7.55%	3.29%	7.81%	14.63%
QCCO	58 Neutral	$34.06M	―	-14.04%	―	―	―
GLBZ	57 Neutral	$15.58M	403.79	0.21%	7.45%	13.95%	-96.19%
KFFB	52 Neutral	$25.19M	―	-2.21%	3.03%	22.56%	-78.84%