Kelly Malson - Nicholas Financial CFO

NICK Stock  USD 6.89  0.03  0.43%   

CFO

Ms. Kelly M. Malson is appointed as Chief Financial Officer of the company effective June 15, 2018. She was serving as a Board member, chair of the Audit Committee and member of the Nominating and Corporationrationrate Governance Committee of Conns, Inc. . Ms. Malson stepped down from her role as Conns, Inc.s Audit Committee chair on May 30, 2018. Ms. Malson previously served as Senior Vice President, Chief Financial Officer and Treasurer of World Acceptance Corporation from May 2009 until stepping down from those positions in December 2013. She remained employed by World Acceptance Corporation from December 2013 until her retirement in February 2014. Prior to that, she held the titles of Vice President and Chief Financial Officer from March 2006 until May 2009 and Vice President of Internal Audit from September 2005 to March 2006 at World Acceptance Corporationrationration. Ms. Malson served as Finance Compliance Manager for ITRON, Inc.s IEM Unit from 2004 to 2005. Prior to 2004, she served in various positions with KPMG, LLP and Arthur Andersen LLP since 2018.
Age 46
Tenure 6 years
Address 26133 US Highway 19 North, Clearwater, FL, United States, 33763
Phone727 726 0763
Webhttps://www.nicholasfinancial.com
Malson obtained her Bachelor’s Degree in Accountancy from Southern Illinois University in 1993.

Nicholas Financial Management Efficiency

The company has return on total asset (ROA) of (0.3547) % which means that it has lost $0.3547 on every $100 spent on assets. This is way below average. Similarly, it shows a return on stockholder's equity (ROE) of (0.4706) %, meaning that it created substantial loss on money invested by shareholders. Nicholas Financial's management efficiency ratios could be used to measure how well Nicholas Financial manages its routine affairs as well as how well it operates its assets and liabilities. Return On Tangible Assets is expected to rise to -0.34 this year. Return On Capital Employed is expected to rise to -0.39 this year. Liabilities And Stockholders Equity is expected to rise to about 190.6 M this year, although the value of Total Current Liabilities will most likely fall to about 31.6 M.
The company currently holds 29.11 M in liabilities with Debt to Equity (D/E) ratio of 0.66, which is about average as compared to similar companies. Nicholas Financial has a current ratio of 42.72, suggesting that it is liquid enough and is able to pay its financial obligations when due. Debt can assist Nicholas Financial until it has trouble settling it off, either with new capital or with free cash flow. So, Nicholas Financial's shareholders could walk away with nothing if the company can't fulfill its legal obligations to repay debt. However, a more frequent occurrence is when companies like Nicholas Financial sell additional shares at bargain prices, diluting existing shareholders. Debt, in this case, can be an excellent and much better tool for Nicholas to invest in growth at high rates of return. When we think about Nicholas Financial's use of debt, we should always consider it together with cash and equity.

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Nicholas Financial, Inc. operates as a consumer finance company in the United States. Nicholas Financial, Inc. was founded in 1985 and is headquartered in Clearwater, Florida. Nicholas Fincl operates under Credit Services classification in the United States and is traded on NASDAQ Exchange. It employs 215 people. Nicholas Financial (NICK) is traded on NASDAQ Exchange in USA. It is located in 26133 US Highway 19 North, Clearwater, FL, United States, 33763 and employs 8 people. Nicholas Financial is listed under Consumer Finance category by Fama And French industry classification.

Management Performance

Nicholas Financial Leadership Team

Elected by the shareholders, the Nicholas Financial's board of directors comprises two types of representatives: Nicholas Financial inside directors who are chosen from within the company, and outside directors, selected externally and held independent of Nicholas. The board's role is to monitor Nicholas Financial's management team and ensure that shareholders' interests are well served. Nicholas Financial's inside directors are responsible for reviewing and approving budgets prepared by upper management to implement core corporate initiatives and projects. On the other hand, Nicholas Financial's outside directors are responsible for providing unbiased perspectives on the board's policies.
Katie MacGillivary, CFO, VP of Fin. and Corporate Secretary
Douglas Marohn, President CEO
Margie Murphy, IR contact
Robin Hastings, Director
Stephen Bragin, Independent Director
Irina Nashtatik, CFO Secretary
Ralph Finkenbrink, Chairman, CEO and Pres
Jeremy Zhu, Founder
Scott Fink, Independent Director
Adam Peterson, Director
Michael Rost, Chief Officer
Kevin Bates, Sr. VP of Operations and Director
Chad Steinorth, Interim CFO, Vice President
Kelly Malson, CFO
Todd Pfister, Independent Director
Jeffrey Royal, Director

Nicholas Stock Performance Indicators

The ability to make a profit is the ultimate goal of any investor. But to identify the right stock is not an easy task. Is Nicholas Financial a good investment? Although profit is still the single most important financial element of any organization, multiple performance indicators can help investors identify the equity that they will appreciate over time.
Some investors attempt to determine whether the market's mood is bullish or bearish by monitoring changes in market sentiment. Unlike more traditional methods such as technical analysis, investor sentiment usually refers to the aggregate attitude towards Nicholas Financial in the overall investment community. So, suppose investors can accurately measure the market's sentiment. In that case, they can use it for their benefit. For example, some tools to gauge market sentiment could be utilized using contrarian indexes, Nicholas Financial's short interest history, or implied volatility extrapolated from Nicholas Financial options trading.

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When determining whether Nicholas Financial is a good investment, qualitative aspects like company management, corporate governance, and ethical practices play a significant role. A comparison with peer companies also provides context and helps to understand if Nicholas Stock is undervalued or overvalued. This multi-faceted approach, blending both quantitative and qualitative analysis, forms a solid foundation for making an informed investment decision about Nicholas Financial Stock. Highlighted below are key reports to facilitate an investment decision about Nicholas Financial Stock:
Check out Correlation Analysis to better understand how to build diversified portfolios, which includes a position in Nicholas Financial. Also, note that the market value of any company could be tightly coupled with the direction of predictive economic indicators such as signals in main economic indicators.
For more information on how to buy Nicholas Stock please use our How to buy in Nicholas Stock guide.
Note that the Nicholas Financial information on this page should be used as a complementary analysis to other Nicholas Financial's statistical models used to find the right mix of equity instruments to add to your existing portfolios or create a brand new portfolio. You can also try the ETFs module to find actively traded Exchange Traded Funds (ETF) from around the world.

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When running Nicholas Financial's price analysis, check to measure Nicholas Financial's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Nicholas Financial is operating at the current time. Most of Nicholas Financial's value examination focuses on studying past and present price action to predict the probability of Nicholas Financial's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Nicholas Financial's price. Additionally, you may evaluate how the addition of Nicholas Financial to your portfolios can decrease your overall portfolio volatility.
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Is Nicholas Financial's industry expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Nicholas Financial. If investors know Nicholas will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Nicholas Financial listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
(0.79)
Earnings Share
(4.99)
Revenue Per Share
0.714
Quarterly Revenue Growth
(0.16)
Return On Assets
(0.35)
The market value of Nicholas Financial is measured differently than its book value, which is the value of Nicholas that is recorded on the company's balance sheet. Investors also form their own opinion of Nicholas Financial's value that differs from its market value or its book value, called intrinsic value, which is Nicholas Financial's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Nicholas Financial's market value can be influenced by many factors that don't directly affect Nicholas Financial's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Nicholas Financial's value and its price as these two are different measures arrived at by different means. Investors typically determine if Nicholas Financial is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Nicholas Financial's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.