GURU.Markets stock price, segment price, and overall market index valuation
The company's share price Nicholas Financial
NKGen is a biotech company developing NK cell-based therapies for the treatment of neurodegenerative diseases and cancer. Its stock price represents a venture capital bet on the success of its innovative technology.
Share prices of companies in the market segment - Consumer lending
Nicholas Financial is a financial company that specializes in issuing and servicing auto loans for borrowers with less-than-perfect credit. We've categorized it as a "Consumer Lending" company. The chart below shows the dynamics of the subprime lending sector.
Broad Market Index - GURU.Markets
Nicholas Financial is a financial company that specializes in issuing and servicing auto loans for borrowers with less-than-perfect credit. We've categorized it as a "Consumer Lending" company. The chart below shows the dynamics of the subprime lending sector.
Change in the price of a company, segment, and market as a whole per day
NICK - Daily change in the company's share price Nicholas Financial
Nicholas Financial, Inc.'s daily stock price fluctuates reflecting volatility in the auto loan sector. The metric demonstrates sensitivity to interest rates and loan default rates, serving as an indicator of consumer health.
Daily change in the price of a set of shares in a market segment - Consumer lending
Nicholas Financial provides auto loans to borrowers with less-than-perfect credit. This business is highly dependent on the economy and unemployment rates. The chart below shows the volatility in the consumer lending sector, reflecting these risks.
Daily change in the price of a broad market stock, index - GURU.Markets
Nicholas Financial specializes in auto loans for borrowers with less-than-perfect credit histories. The company's stock is a sensitive barometer of consumer financial health and the state of the credit market. Its fluctuations are an important economic signal.
Dynamics of market capitalization of the company, segment and the market as a whole over 12 months
Annual dynamics of the company's market capitalization Nicholas Financial
Nicholas Financial, Inc.'s year-over-year performance tells a story about its niche in auto loans. Its market capitalization over the past 12 months reflects its success in issuing loans to borrowers with low credit scores. Its valuation is sensitive to delinquency rates and the overall economic climate, which impacts its target audience.
Annual dynamics of market capitalization of the market segment - Consumer lending
Nicholas Financial, Inc. is a financial services company specializing in auto loans for borrowers with less-than-perfect credit. This chart shows how its niche business, risk management capabilities, and the state of the consumer lending industry impact its performance.
Annual dynamics of market capitalization of broad market stocks, index - GURU.Markets
Nicholas Financial, a company that provides auto loans to borrowers with less-than-perfect credit, operates in the high-risk consumer lending segment. Its annual capitalization dynamics, compared to the market, are an indicator of the financial health of this demographic and the level of loan delinquencies.
Dynamics of market capitalization of the company, segment and the market as a whole for the month
Monthly dynamics of the company's market capitalization Nicholas Financial
Nicholas Financial is a company that provides auto loans for used cars. Its monthly performance is closely tied to the quality of its loan portfolio (delinquency rate) and the state of the used car market.
Monthly dynamics of market capitalization of the market segment - Consumer lending
Nicholas Financial is a specialized financial company that issues and services auto loans to borrowers with less-than-perfect credit (subprime). The chart below shows the overall dynamics of the consumer lending sector, which is highly sensitive to economic conditions, unemployment, and interest rates.
Monthly dynamics of market capitalization of broad market stocks, index - GURU.Markets
Shares of companies involved in subprime auto loans are highly cyclical and reflect the financial health of consumers. The chart below shows overall economic sentiment. How accurately does Nicholas Financial's performance track these waves?
Dynamics of market capitalization of the company, segment and the market as a whole for the week
Weekly dynamics of the company's market capitalization Nicholas Financial
Nicholas Financial, a company that provides auto loans to borrowers with shaky credit histories, shares reflect the state of consumer lending on a weekly basis. Price movements reflect the default rate and the overall economic situation that impacts the financial health of its clients.
Weekly dynamics of market capitalization of the market segment - Consumer lending
Nicholas Financial specializes in auto loans for borrowers with less-than-perfect credit. It's a risky but highly profitable business. This chart will help you compare its weekly performance with the sector and understand how it's affected by interest rate changes and unemployment.
Weekly dynamics of market capitalization of stocks of the broad market, index - GURU.Markets
Nicholas Financial provides auto loans to customers with less-than-perfect credit histories. Its business is highly sensitive to economic conditions and credit risks. The chart clearly shows how Nicholas Financial shares amplify overall stock market movements, reflecting consumer sentiment.
Market capitalization of the company, segment and market as a whole
NICK - Market capitalization of the company Nicholas Financial
Nicholas Financial's market capitalization chart tells the story of a company that provides auto loans to borrowers with less-than-perfect credit. Its dynamics reflect the state of this consumer lending segment and the company's ability to manage risk. The trajectory is a narrative of profit-seeking in a high-risk niche.
NICK - Share of the company's market capitalization Nicholas Financial within the market segment - Consumer lending
Nicholas Financial specializes in auto loans for borrowers with less-than-perfect credit. Its market share in the consumer finance segment reflects its niche business model. The chart below shows how the market assesses its ability to manage risk and maintain its market share.
Market capitalization of the market segment - Consumer lending
Nicholas Financial specializes in subprime auto loans. The chart below shows the overall market capitalization of the consumer finance sector. Its dynamics reflect both the demand for cars and the risk associated with borrowers with less-than-perfect credit.
Market capitalization of all companies included in a broad market index - GURU.Markets
Nicholas Financial is a company that provides auto loans to borrowers with less-than-perfect credit histories. Its market capitalization is a barometer of the health of this specific segment of consumer lending. Its dynamics on the overall chart reflect the financial health of a significant portion of the population.
Book value capitalization of the company, segment and market as a whole
NICK - Book value capitalization of the company Nicholas Financial
Nicholas Financial's foundation is its portfolio of auto loans issued to borrowers with less-than-perfect credit histories. Book value reflects tangible, financial capital operating in a high-risk, but potentially high-return segment. How has this specialized credit asset changed? The chart below shows its dynamics.
NICK - Share of the company's book capitalization Nicholas Financial within the market segment - Consumer lending
Nicholas Financial provides subprime auto loans through its branch network. The chart shows the share of these branch assets in the sector, reflecting the physical scale of its direct-to-borrower model.
Market segment balance sheet capitalization - Consumer lending
Nicholas Financial, which provides auto loans, is a moderately capital-intensive business. This requires a branch network. A BCap_Seg chart of the financial sector, full of "weightless" fintech companies, shows that the traditional model still relies on a physical presence.
Book value of all companies included in the broad market index - GURU.Markets
Nicholas Financial's assets are not a bank, but a loan portfolio consisting of used car loans issued to borrowers with less-than-perfect credit histories. The book value reflects the size of this portfolio. The chart illustrates the scale of this specialized player in the auto loan industry.
The ratio of market capitalization to book capitalization of a company, segment, and the market as a whole
Market capitalization to book capitalization ratio - Nicholas Financial
Nicholas Financial issues consumer loans. Its book value is essentially its equity. Its market capitalization reflects how confident investors are in its ability to manage risk and profitably lend to its client base. The chart is an indicator of trust in its business model.
Market to book capitalization ratio in a market segment - Consumer lending
Nicholas Financial specializes in providing auto loans to borrowers with less-than-perfect credit. Its market valuation reflects both the high profitability of this business and the associated increased risk of default, leading investors to value it at a discount to its assets.
Market to book capitalization ratio for the market as a whole
Nicholas Financial, a consumer lender, is a business where assets (loans issued) form the core of the balance sheet. The company's market valuation is closely tied to the quality of its loan portfolio. This chart compares the valuation of traditional financial companies with overall market trends.
Debts of the company, segment and market as a whole
NICK - Company debts Nicholas Financial
Nicholas Financial, a company that provides auto loans to borrowers with less-than-perfect credit, uses debt to fund its loan portfolio. This chart shows how the company manages its leverage and credit risk while operating in the high-yield, but also high-risk, consumer lending segment.
Market segment debts - Consumer lending
Nicholas Financial is a financial company specializing in subprime auto loans. Its business involves taking on higher risk for higher interest rates. This chart shows how the company manages its loan portfolio and how much it relies on debt to finance its operations.
Market debt in general
Debt to book value of the company, segment and market as a whole
The company's debt to book capitalization ratio Nicholas Financial
Nicholas Financial provides auto loans to borrowers with subprime credit. For such a company, borrowed funds are the primary resource for running its business. This chart shows its financial leverage, a key indicator for assessing the balance between the pursuit of high returns and the risk of loan defaults.
Market segment debt to market segment book capitalization - Consumer lending
Nicholas Financial provides auto loans to borrowers with subprime credit. This business carries higher risks but also offers higher returns. This chart shows debt trends in the consumer lending sector, which helps assess how Nicholas Financial manages its risky portfolio.
Debt to book value of all companies in the market
Nicholas Financial, Inc. provides auto loans to borrowers with less-than-perfect credit, which requires careful risk assessment and access to financing. This chart, showing the overall debt burden in the market, allows you to assess the sustainability of the company's business model and how it manages its leverage in the high-risk consumer lending segment.
P/E of the company, segment and market as a whole
P/E - Nicholas Financial
Nicholas Financial specializes in auto loans for borrowers with less-than-perfect credit (subprime). This chart shows how the market views its high-risk, yet high-margin business. The dynamics reflect the state of consumer lending and the company's ability to effectively manage default risks.
P/E of the market segment - Consumer lending
This industry chart for companies in the consumer finance sector is a benchmark for Nicholas Financial. It reflects how investors, on average, assess the risks in this sector. Comparison with it helps understand how the market views Nicholas Financial's focus on subprime auto loans and its ability to manage risk in this complex niche.
P/E of the market as a whole
Nicholas Financial provides auto loans to borrowers with poor credit (subprime). Its business is highly sensitive to the state of the economy, particularly the unemployment rate. This chart, which reflects general economic expectations, is an important indicator for Nicholas Financial of its future default rate on its loans.
Future P/E of the company, segment and market as a whole
Future (projected) P/E of the company Nicholas Financial
This chart from Nicholas Financial, Inc., a company that provides auto loans to borrowers with less-than-perfect credit, shows market expectations for future profitability. It reflects forecasts for loan volumes and delinquency rates, allowing one to assess the company's ability to manage risk.
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Future (projected) P/E of the market segment - Consumer lending
Nicholas Financial is a specialized financial services company that purchases and services subprime auto loans issued to borrowers with less-than-perfect credit. This is a high-risk, high-return business. This chart reflects expectations for the consumer lending sector, helping to understand how the market perceives Nicholas's ability to manage credit risk.
%20P%2FE%20graph%20of%20the%20market%20segment%20-%20Consumer%20lending&width=1500&height=450&colorIndex=36&filename=GURU_Markets_-_Future-projected-PE-graph-of-the-market-segment-Consumer-lending&v=1772550609937 "Future (projected) P/E graph of the market segment - Consumer lending")
Future (projected) P/E of the market as a whole
Nicholas Financial, Inc. provides auto loans to borrowers with less-than-perfect credit histories. This business is highly sensitive to the labor market and consumer health. This economic expectations chart helps assess credit risks. During periods of optimism, risks decrease, while during recessions, they increase.
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Profit of the company, segment and market as a whole
Company profit Nicholas Financial
Nicholas Financial specializes in issuing auto loans to borrowers with subprime credit. The company's profits depend on the difference between high interest rates and default rates. This chart shows how the company balances high risk and high returns in the challenging consumer lending sector.
Profit of companies in the market segment - Consumer lending
Nicholas Financial specializes in auto loans for borrowers with less-than-perfect credit. This chart, which shows profitability in the consumer lending sector, demonstrates the demand for financing in the subprime segment. Their success depends on their ability to accurately assess risks and effectively manage the collection process, balancing profitability with losses.
Overall market profit
Nicholas Financial provides auto loans to borrowers with less-than-perfect credit histories. This business is sensitive to economic conditions. When overall profits, as in this chart, are rising, it indicates low unemployment, reducing the company's risk of loan defaults. During recessions, however, risks increase, requiring the company to more carefully screen borrowers.
Future (predicted) profit of the company, segment and market as a whole
Future (projected) profit of the company Nicholas Financial
Nicholas Financial specializes in issuing auto loans to borrowers with subprime credit. The company's business carries high risks, but also high interest margins. This chart shows how analysts assess the balance between loan portfolio growth and potential default losses, which depends on the state of the economy.
%20profit%20of%20the%20company%20Nicholas%20Financial&width=1500&height=450&colorIndex=41&filename=GURU_Markets_-_Graph-of-future-projected-profit-of-the-company-Nicholas-Financial&v=1772550610314 "Graph of future (projected) profit of the company Nicholas Financial")
Future (predicted) profit of companies in the market segment - Consumer lending
Nicholas Financial is a specialized finance company that provides auto loans to borrowers with subprime credit. Its profitability depends on its ability to accurately assess risks and manage collections. This chart for the consumer finance sector helps assess overall borrower quality trends and risks in this segment.
%20profits%20of%20companies%20in%20a%20market%20segment%20-%20Consumer%20lending&width=1500&height=450&colorIndex=42&filename=GURU_Markets_-_Graph-of-future-predicted-profits-of-companies-in-a-market-segment-Consumer-lending&v=1772550610329 "Graph of future (predicted) profits of companies in a market segment - Consumer lending")
Future (predicted) profit of the market as a whole
Nicholas Financial provides auto loans to borrowers with less-than-perfect credit. This business is extremely sensitive to economic conditions. This graph, which reflects profit expectations, is an indicator of employment and income levels, which directly impact clients' ability to service their debts.
%20profits%20of%20the%20market%20as%20a%20whole&width=1500&height=450&colorIndex=43&filename=GURU_Markets_-_Chart-of-future-predicted-profits-of-the-market-as-a-whole&v=1772550610374 "Chart of future (predicted) profits of the market as a whole")
P/S of the company, segment and market as a whole
P/S - Nicholas Financial
Nicholas Financial specializes in issuing auto loans to borrowers with subprime credit. The chart shows how investors evaluate its interest income. The assessment reflects the balance between the high returns of such loans and the increased risk of default, which is highly dependent on the state of the economy.
P/S market segment - Consumer lending
Nicholas Financial specializes in issuing auto loans to borrowers with less-than-perfect credit. The company's revenue is derived from the interest earned on its loan portfolio, and its success depends on its ability to manage risk. This chart, which shows the average valuation in the sector, helps understand how the market views this niche and risky consumer lending model.
P/S of the market as a whole
Nicholas Financial is a financial services company specializing in providing auto loans to borrowers with subprime credit. This chart, showing the average market revenue estimate, allows investors to gauge the market's perception of the high-risk, yet highly profitable, lending business, which is highly dependent on the economy and unemployment rates.
Future P/S of the company, segment and market as a whole
Future (projected) P/S of the company Nicholas Financial
Nicholas Financial is a specialized finance company that provides auto loans to borrowers with subprime credit. It's a risky but potentially highly profitable business. This chart shows how investors assess the company's future loan volume and its ability to effectively manage credit risk.
%20P%2FS%20Nicholas%20Financial&width=1500&height=450&colorIndex=47&filename=GURU_Markets_-_The-graph-of-the-companys-future-projected-PS-Nicholas-Financial&v=1772550610477 "The graph of the company's future (projected) P/S Nicholas Financial")
Future (projected) P/S of the market segment - Consumer lending
Nicholas Financial, Inc. is a specialized finance company that acquires and services used car loans, primarily for customers with less-than-perfect credit. This chart reflects average revenue projections for the consumer finance sector, providing insight into how the market views Nicholas Financial's niche business model.
%20P%2FS%20market%20segment%20graph%20-%20Consumer%20lending&width=1500&height=450&colorIndex=48&filename=GURU_Markets_-_Future-projected-PS-market-segment-graph-Consumer-lending&v=1772550610501 "Future (projected) P/S market segment graph - Consumer lending")
Future (projected) P/S of the market as a whole
Nicholas Financial provides auto loans to borrowers with less-than-perfect credit histories. This chart shows the market's collective expectations for future income. The company's loan portfolio is an indicator of the financial health of the high-risk population. Its dynamics reflect the availability of loans for this group and the overall level of delinquencies.
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Sales of the company, segment and market as a whole
Company sales Nicholas Financial
This chart shows the revenue of Nicholas Financial, a company specializing in issuing auto loans to borrowers with less-than-perfect credit. Its income is derived from interest earned on its loan portfolio. The chart's dynamics reflect lending volumes and the company's ability to effectively manage risk in the subprime segment.
Sales of companies in the market segment - Consumer lending
Nicholas Financial specializes in issuing auto loans to borrowers with subprime credit. This chart shows the dynamics of the consumer lending market. The company's activity is an important indicator of the financial health of this population group and the availability of credit, reflecting the overall risk profile of the banking system.
Overall market sales
Nicholas Financial provides consumer loans for used cars, often to borrowers with less-than-perfect credit. Demand for its services and the quality of its loan portfolio are highly dependent on the financial health of the population. This total revenue chart reflects the state of the consumer sector, which is key to the company's business.
Future sales volume of the company, segment and market as a whole
Future (projected) sales of the company Nicholas Financial
Nicholas Financial specializes in issuing auto loans to borrowers with less-than-perfect credit histories. The company's future revenue depends on lending volumes and its ability to manage default risks. The chart reflects analyst expectations for the subprime auto loan market.
%20sales%20of%20the%20company%20Nicholas%20Financial&width=1500&height=450&colorIndex=53&filename=GURU_Markets_-_Schedule-of-future-projected-sales-of-the-company-Nicholas-Financial&v=1772550610580 "Schedule of future (projected) sales of the company Nicholas Financial")
Future (projected) sales of companies in the market segment - Consumer lending
Nicholas Financial is a specialized finance company that provides auto loans to borrowers with less-than-perfect credit. The company operates in a high-risk, yet high-return market segment. This chart shows the outlook for the entire consumer lending sector, where Nicholas Financial's ability to manage risk is key to success.
%20sales%20of%20companies%20in%20the%20market%20segment%20-%20Consumer%20lending&width=1500&height=450&colorIndex=54&filename=GURU_Markets_-_Schedule-of-future-projected-sales-of-companies-in-the-market-segment-Consumer-lending&v=1772550610659 "Schedule of future (projected) sales of companies in the market segment - Consumer lending")
Future (projected) sales of the market as a whole
Nicholas Financial specializes in auto loans for borrowers with less-than-perfect credit (subprime). Their business is sensitive to economic cycles. This cycle, reflecting consumer employment levels and financial health, directly impacts both the demand for their loans and the borrowers' ability to repay them, which determines the level of losses.
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Marginality of the company, segment and market as a whole
Company marginality Nicholas Financial
Nicholas Financial is a financial company specializing in auto loans to borrowers with less-than-perfect credit. Its profitability is a precarious balance between high interest rates and inevitably higher default rates. This chart shows how successfully the company manages this risk to generate profits in the subprime lending segment.
Market segment marginality - Consumer lending
Nicholas Financial specializes in issuing auto loans to borrowers with less-than-perfect credit (subprime). Profitability in this high-risk segment depends on the ability to accurately qualify borrowers and set appropriate interest rates. This chart demonstrates the operational effectiveness of their underwriting and risk management model in this challenging niche.
Market marginality as a whole
Nicholas Financial is a financial company that specializes in issuing auto loans to borrowers with subprime credit. They operate through a network of auto dealers. This overall profitability chart is an indicator of the health of their target segment. Economic growth and employment stability reduce the risk of default in their high-risk portfolio.
Employees in the company, segment and market as a whole
Number of employees in the company Nicholas Financial
Nicholas Financial provides subprime auto loans through its own branch network. Its headcount directly reflects the size of this branch network. This graph serves as a barometer of its ability to issue and service loans in its market niche.
Share of the company's employees Nicholas Financial within the market segment - Consumer lending
Nicholas Financial is a financial company specializing in issuing auto loans to borrowers with less-than-perfect credit histories. This business requires careful risk assessment. This chart reflects the scale of its branch network and team of underwriters who work directly with clients, which is key to success in this lending segment.
Number of employees in the market segment - Consumer lending
Nicholas Financial, Inc. is a financial services company specializing in acquiring and servicing auto loans, primarily for borrowers with less-than-perfect credit. This chart reflects employment trends in the subprime consumer lending sector. The growing number of loan officers in this sector may indicate increased demand for financing from this client group.
Number of employees in the market as a whole
Nicholas Financial provides auto loans to borrowers with less-than-perfect credit histories. The company's business is highly sensitive to the labor market. This total employment graph is a key risk indicator for the company. The stable employment of its clients is the primary factor ensuring timely loan repayments and portfolio profitability.
Market capitalization per employee (in thousands of dollars) of the company, segment, and market as a whole
Market capitalization per employee (in thousands of dollars) of the company Nicholas Financial (NICK)
Nicholas Financial specializes in auto loans for borrowers with less-than-perfect credit (subprime). This business requires less sophisticated technology and more manual labor: meticulous underwriting and active collection of delinquent loans. This chart helps assess how effectively the company balances labor-intensive processes (a large staff) with the size of its loan portfolio, which generates value.
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Market capitalization per employee (in thousands of dollars) in the market segment - Consumer lending
Nicholas Financial is a financial company specializing in issuing auto loans to borrowers with less-than-perfect credit histories. Its value is determined by the quality and size of its loan portfolio. This chart shows how effectively the company manages its high-yield, but also high-risk, portfolio per employee.
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Market capitalization per employee (in thousands of dollars) for the overall market
Nicholas Financial provides auto loans to borrowers with less-than-perfect credit. This chart shows how the team rates the consumer lending niche. It reflects how the team creates value by managing a high-yield but risky portfolio, which requires an effective borrower assessment and collection system.
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Profit per employee (in thousands of dollars) for the company, segment, and market as a whole
Profit per employee (in thousands of dollars) of the company Nicholas Financial (NICK)
Nicholas Financial is a specialized finance company that provides auto loans to subprime borrowers (those with poor credit) through a network of dealers. It's a risky but high-margin business. This chart shows their underwriting efficiency: profit per employee is the difference between the high interest they charge and the default losses.
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Profit per employee (in thousands of dollars) in the market segment - Consumer lending
Nicholas Financial (NICK) is a specialized finance company providing subprime auto loans. This is a high-risk, but also high-return business. This metric reflects how effectively their branch staff can assess risks and, more importantly, manage collections.
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Profit per employee (in thousands of dollars) for the market as a whole
Nicholas Financial (NICK) is a niche lender offering subprime auto loans (for borrowers with poor credit histories). This is a risky but high-margin B2C finance business. This chart shows how their underwriting and collections model generates profits that offset the high risk of default.
%20for%20the%20market%20as%20a%20whole&width=1500&height=450&colorIndex=68&filename=GURU_Markets_-_Chart-of-profit-per-employee-in-thousands-of-dollars-for-the-market-as-a-whole&v=1772550611263 "Chart of profit per employee (in thousands of dollars) for the market as a whole")
Sales to employees of the company, segment and market as a whole
Sales per company employee Nicholas Financial (NICK)
Nicholas Financial is a financial company specializing in auto loans for borrowers with less-than-perfect credit. This chart demonstrates the effectiveness of its niche lending model. The growth in revenue per employee demonstrates the company's ability to manage risk and collect payments while operating in a high-yield market segment.
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Sales per employee in the market segment - Consumer lending
Nicholas Financial (NICK) occupies a challenging niche in auto loans. They issue loans to borrowers with less-than-perfect credit (subprime) through a network of dealers. This chart shows how productive their team is. It measures the interest income generated by each employee (loan officer, collection specialist) in this high-risk segment.
Sales per employee for the market as a whole
Nicholas Financial (NICK) is a specialized finance company focused on subprime auto loans (loans for clients with poor credit histories). This business requires a large staff for underwriting (risk assessment) and collections. This chart shows how effectively the company's staff generates interest income while managing a high-risk loan portfolio.
Short shares by company, segment and market as a whole
Shares shorted by company Nicholas Financial (NICK)
Nicholas Financial is a subprime auto loan company (for borrowers with poor credit). It's an extremely risky business. This chart shows bearish bets. Investors expect an economic downturn to trigger a wave of defaults on its loans, leading to massive losses.
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Shares shorted by market segment - Consumer lending
Nicholas Financial specializes in subprime auto loans for borrowers with less-than-perfect credit. This is a high-risk type of lending. This chart shows the total short positions across the entire subprime auto loan sector. It is a clear indicator that the market is expecting a wave of defaults and rising defaults on these loans, which is the main threat to Nicholas Financial.
Shares shorted by the overall market
Nicholas Financial (NICK) specializes in subprime auto loans. Its business is a barometer of the population's financial health. This chart, reflecting rising fears, is a red flag for NICK. It signals expectations of a recession, which would mean rising unemployment and a wave of defaults.
RSI 14 indicator for a company, segment, and market as a whole
The company's RSI 14 indicator Nicholas Financial (NICK)
This chart for Nicholas Financial is a subprime auto loan indicator. The company issues used car loans to borrowers with poor credit histories. "Overbought" levels (above 70) occur when the loan portfolio is growing. Recession fears and a sharp rise in delinquencies on auto loans lead to "oversold" levels (below 30).
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RSI 14 Market Segment - Consumer lending
Nicholas Financial (NICK) is a niche lender. They provide used car loans to customers with subprime credit. This chart measures the collective "fear" or "greed" in the consumer finance sector. It helps us understand whether the sector is overheated or oversold due to fears of rising defaults.
RSI 14 for the overall market
For Nicholas Financial (NICK), which specializes in subprime auto loans, this chart is an indicator of credit risk. During periods of euphoria and low unemployment, its clients service their debt. During moments of panic and recession, its borrowers are the first to lose their jobs, leading to mass defaults.
Analyst consensus forecast for the company's share price, the segment, and the market as a whole
Analyst consensus stock price forecast NICK (Nicholas Financial)
Nicholas Financial (NICK) is a specialized finance company that provides auto loans to borrowers with less-than-perfect credit (subprime). This chart summarizes analysts' opinions on the stock's fair value. It reflects their expectations for the default rate in NICK's loan portfolio and the impact of interest rates on the company's margins.
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The difference between the consensus estimate and the actual stock price NICK (Nicholas Financial)
Nicholas Financial (NICK) is a subprime auto lender. The company provides financing for used cars to customers with poor credit. This chart measures the gap between the current price and the consensus target price. It shows how confident experts are in their ability to manage credit risk (defaults) in this segment.
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Analyst consensus forecast for stock prices by market segment - Consumer lending
Nicholas Financial is the "lender of last resort" in the auto sector. The company specializes in "deep subprime" auto loans to borrowers with very poor credit histories. This chart shows analysts' overall expectations for the *entire* consumer finance sector. It reflects whether experts believe in the creditworthiness of "risky" clients.
Analysts' consensus forecast for the overall market share price
Nicholas Financial (NICK) is a "lender of last resort" for auto loans. They specialize in subprime auto loans—loans for people with poor credit. Their business is pure risk management. This chart shows economic expectations. It directly predicts the unemployment rate: if analysts expect a recession, NICK's default rates rise.
AKIMA index of the company, segment and market as a whole
AKiMA Company Index Nicholas Financial
Nicholas Financial is a lender of last resort. They're not a bank; their specialty is deep subprime auto loans: they finance used cars themselves (through dealers) for people with terrible credit. This chart is a barometer of their risk model. It reflects their (extremely high) rates and their (massive) risk of default.
AKIMA Market Segment Index - Consumer lending
Nicholas Financial (NICK) is a high-risk consumer lender. They specialize in subprime auto loans—loans for customers with poor credit. This chart compares their composite index to the sector, showing how their risky lending model outperforms or underperforms their peers.
The AKIM Index for the overall market
Nicholas Financial is a specialized finance company that provides auto loans to subprime borrowers through dealers. This chart, which reflects the market average, provides a macro backdrop. It helps assess how NICK, which operates in the high-credit-risk segment, compares to the overall macroeconomic situation.
