| Address:
|
135 NORTH CHURCH STREET
|
| City: |
SPARTANBURG |
|
State: |
SC |
|
Zip Code: |
29306 |
| Telephone: |
864-342-5600 |
|
Description of Business
|
Primary SIC Code:
6141 |
| (As filed with the SEC)
|
|
|
We are the largest non-bank provider of cash advance services in the United
States, as measured by the number of centers operated. As of December 31, 2010,
we operated 2,313 centers in 30 states in the United States, 21 centers in the
United Kingdom, and 18 centers in Canada, and had 62 limited licensees in the
United Kingdom. Cash advances are typically small-denomination, short-term,
unsecured advances that are due on the customer's next payday. We do not
franchise any of our centers in the United States or Canada and do not provide
pawn lending, title lending, or similar services.
We offer various types of short-term credit products and services depending
on applicable legislative and regulatory restrictions. For example, in Texas, we
offer a fee-based credit services package to assist customers in trying to
improve their credit and in obtaining an extension of consumer credit through a
third-party lender. ... More ... |
| Date |
12-mos
Rolling EPS |
Dividend |
P/E
Ratio |
| 09/2011 | 0.93 | 0.062 | 7.91 | | 06/2011 | 0.71 | 0.062 | 9.70 | | 03/2011 | 0.65 | 0.062 | 8.15 | | 12/2010 | 0.58 | 0.062 | 9.72 | | 09/2010 | 0.64 | 0.062 | 6.30 | | 06/2010 | 0.83 | 0.062 | 4.98 | | 03/2010 | 0.85 | 0.062 | 6.85 | | 12/2009 | 0.88 | 0.062 | 6.32 |
Key Financial Ratios and Statistics |
FYE:
12/31 |
| Profitability |
2010 |
Leverage |
2010 |
| Net Inc/Comm Equity | 1.05 | Total Liab/Total Assets | 0.46 | | Net Inc/Total Assets | 0.08 | Total Liab/Inv Cap | 0.46 | | Net Inc/Inv Cap | 0.08 | Total Liab/Comm Equity | 5.80 | | Pretax Inc/Net Sales | 0.11 | Interest Coverage Ratio | NA | | Net Inc/Net Sales | 0.06 | Curr Debt/Equity | NA | | Cash Flow/Net Sales | 0.22 | LTD/Equity | NA | | SG&A/NetSales | 0.83 | Total Debt/Equity | NA |
| Asset Utilization
|
|
Liquidity |
|
| Net Receivables Turnover | 2.93 | Quick Ratio | NA | | Inventory Turnover | NA | Current Ratio | NA | | Inventory Day Sales | NA | Net Rec/Curr Assets | NA | | Net Sales/Work Cap | NA | Inv/Curr Assets | NA | | Net Sales/PP&E | 23.96 | | |
Income Statement (Millions) |
| |
9/30/2011
|
6/30/2011
|
3/31/2011
|
12/31/2010
|
|
Total Revenues(Net Sales)
|
158.89
|
140.71
|
144.07
|
160.26
|
|
Cost of Goods Sold
|
NA
|
NA
|
NA
|
NA
|
|
Selling & Admin Exps
|
128.67
|
121.15
|
108.68
|
128.00
|
|
Operating Income
|
NA
|
NA
|
NA
|
NA
|
|
Interest Exp
|
NA
|
NA
|
NA
|
NA
|
|
Pretax Income
|
26.50
|
15.83
|
31.62
|
28.26
|
|
Other Income
|
NA
|
NA
|
NA
|
NA
|
|
Net Income Bef Extraordinary ...
|
NA
|
NA
|
NA
|
NA
|
|
Net Income
|
14.57
|
8.60
|
17.96
|
15.75
|
|
Assets
|
9/30/2011
|
6/30/2011
|
3/31/2011
|
12/31/2010
|
|
Cash & Short Term Investments
|
35.98
|
19.67
|
17.72
|
26.95
|
|
Receivables - Total
|
197.16
|
199.53
|
168.47
|
205.21
|
|
Inventories - Total
|
NA
|
NA
|
NA
|
NA
|
|
Total Current Assets
|
NA
|
NA
|
NA
|
NA
|
|
Net Property, Plant & Equipment
|
22.98
|
23.15
|
23.96
|
25.05
|
|
Total Assets
|
424.06
|
412.95
|
386.41
|
431.65
|
|
Liabilities
|
|
|
|
|
|
Accounts Payable
|
52.70
|
50.09
|
43.90
|
55.96
|
|
Debt in Current Liabilities
|
NA
|
NA
|
NA
|
NA
|
|
Total Current Liabilities
|
NA
|
NA
|
NA
|
NA
|
|
Long-Term Debt
|
NA
|
NA
|
NA
|
NA
|
|
Total Liabilities
|
158.82
|
158.26
|
137.03
|
196.61
|
|
Stockholder's Equity
|
|
|
|
|
|
Minority Interest
|
NA
|
NA
|
NA
|
NA
|
|
Preferred Stock
|
0.00
|
0.00
|
0.00
|
0.00
|
|
Common Stock
|
0.97
|
0.97
|
0.97
|
0.97
|
|
Retained Earnings
|
232.51
|
221.84
|
217.14
|
203.00
|
|
Treasury Stock
|
-254.55
|
-254.70
|
-254.99
|
-257.80
|
|
Total Stockholders' Equity
|
265.24
|
254.69
|
249.38
|
235.04
|
|
Total Liabilities and Stockholders' Equity
|
424.06
|
412.95
|
386.41
|
431.65
|
Cash Flow Summary (Millions) |
|
Categories
|
9/30/2011
|
6/30/2011
|
3/31/2011
|
12/31/2010
|
|
Net Cash Provided by Operating Activities
|
51.01
|
43.97
|
20.90
|
52.59
|
|
Net Cash Provided by Investing Activities
|
-30.99
|
-53.31
|
22.87
|
-40.84
|
|
Net Cash Provided by Financing Activities
|
-3.65
|
11.31
|
-53.04
|
-3.43
|
Annual Summary Data (Millions) |
| Year |
Sales |
Net
Income |
EPS |
| 12/2006 | 672.29 | 70.15 | 0.87 | | 12/2007 | 709.56 | 54.38 | 0.70 | | 12/2008 | 676.44 | 38.47 | 0.60 | | 12/2009 | 647.91 | 54.20 | 0.88 | | 12/2010 | 600.31 | 35.76 | 0.58 | | Growth Rates | -2.79 | -15.50 | -9.64 |
| Type |
Date(Q,M) |
No.
Owners |
Shares
Held (000s) |
%
Own |
| Institutional | 12/31/11 | 146 | 45,759 | 73.29 |
|
Report Date :
2/6/2012
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