CONNS INC
Consumer Discretionary · Retail-Radio, Tv & Consumer Electronics Stores · DE · SEC filings ↗ · Compare ⊕
Financials
SEC XBRL · annual| FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | |
|---|---|---|---|---|---|---|
| Revenue | $978.3M | $1.08B | $1.31B | $1.06B | $1.16B | $1.55B |
| Operating income | −$125.3M | −$29.5M | $168.7M | $30.6M | $134.5M | $161.3M |
| Net income | −$76.9M | −$59.3M | $108.2M | −$3.1M | $56.0M | $73.8M |
| Total assets | $2.44B | $1.72B | $1.75B | $1.76B | $2.17B | $1.88B |
| Total liabilities | $1.95B | $1.21B | $1.14B | $1.20B | $1.54B | $1.26B |
| Equity | $435.3M | $502.4M | $614.8M | $557.2M | $627.2M | $620.0M |
| EPS (diluted) | $-3.17 | $-2.46 | $3.61 | $-0.11 | $1.82 | $2.28 |
| Shares out. | 24.9M | 24.1M | 24.1M | 29.3M | 29.0M | 31.9M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2024- Operating margin
- −12.8%
- Net margin
- −7.9%
- Return on equity
- −17.7%
- Return on assets
- −3.1%
- Return on capital (ROCE)
- −6.3%
- Liabilities / assets
- 79.6%
- Debt / equity
- 4.47×
- Book value / share
- $17.49
- Revenue growth (YoY)
- −9.1%
- Net income growth (YoY)
- —
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2024- Altman Z″ (distress)
- 2.49grey zone
- Accruals / assets
- −1.0%clean
- Piotroski F-Score
- 2/9weak
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast. What these scores mean →
Signs
● 1 severe● 6 warning● 1 good- Filed a late-filing notice (Form NT) — missed an SEC deadline
- Operating losses (negative operating margin)
- Reported a net loss
- Revenue declined year-over-year
- High leverage (liabilities > 70% of assets)
- Negative operating cash flow
- Altman Z″ in the grey zone
- Clean earnings (low accruals)
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
Risk flags
late SEC filings- NT 10-Qmissed a reporting deadline ↗Jun 11, 2024
- NT 10-Kmissed a reporting deadline ↗Apr 16, 2024
- NT 10-Qmissed a reporting deadline ↗Dec 12, 2023
A Form NT means the company notified the SEC it would file a periodic report late — often an accounting, audit or liquidity warning sign. Also search SEC enforcement actions for this company.
5%+ owners
SEC Schedule 13D / 13G · last 3 yrs- Nantahala Capital Management, LlcPassive (13G)Feb 14, 2025
- Stephens Investments Holdings LlcActivist (13D)Dec 30, 2024
Holders who disclosed a 5%+ stake. 13D signals intent to influence or control; 13G is a passive holding. Latest filing per holder — open it for the exact stake.
Insider transactions
SEC Form 4 · most recent| Insider | Date | Type | Shares | Price |
|---|---|---|---|---|
| Stephens Warren A Trust Uid 9/30/8710% owner | Dec 26, 2024 | Gift | 300,000 | $0.00 |
| Santo Timothy POfficer — Chief Financial Officer | May 24, 2024 | Grant | 50,000 | — |
| Prior Mark AOfficer — General Counsel and Sec. | May 24, 2024 | Grant | 22,857 | — |
| Lastinger RodneyOfficer — President of Retail | May 24, 2024 | Grant | 25,000 | $0.00 |
| Fenton Thomas JohnOfficer — Chief Credit Officer | May 24, 2024 | Grant | 28,571 | — |
| Miller NormanOfficer — President and CEO | May 1, 2024 | Tax withholding | 58,096 | $3.45 |
| Martin Douglas HDirector | Apr 24, 2024 | Buy | 1,000 | $3.74 |
| Santo Timothy POfficer — Chief Financial Officer | Apr 24, 2024 | Tax withholding | 3,376 | $3.82 |
| Martin Douglas HDirector | Apr 19, 2024 | Buy | 2,000 | $3.72 |
Headline trade per Form 4 (officers, directors, 10%+ owners). Buy/sell read from the filing's structured data — blank where a field isn't cleanly tagged.
Material events
SEC Form 8-K · most recent- Delisting / listing-standard noticeAug 1, 2024
- Bankruptcy or receivership · New financial obligation · Debt acceleration / triggering event · Other material eventJul 25, 2024
- Delisting / listing-standard notice · Regulation FD disclosureJun 26, 2024
- Unregistered equity sale · Other material eventJun 11, 2024
- Unregistered equity sale · Shareholder vote · Other material eventMay 31, 2024
- Results of operationsApr 11, 2024
- Director / officer changeFeb 16, 2024
- Entered a material agreement · New financial obligationJan 31, 2024
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.
Recent SEC filings
All filings ↗- SCHEDULE 13G/AFeb 14, 2025
- SCHEDULE 13DDec 30, 2024
- 4STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP OF SECURITIESDec 30, 2024
- SCHEDULE 13GNov 14, 2024
- 25-NSESep 6, 2024
- SC 13G/AAug 7, 2024
- 8-KAug 1, 2024
- 8-KJul 25, 2024
- 8-KJun 26, 2024
- NT 10-QJun 11, 2024
- 8-KJun 11, 2024
- 8-KMay 31, 2024
- SC 13D/AMay 29, 2024
- 4STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP OF SECURITIESMay 29, 2024
- 4STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP OF SECURITIESMay 29, 2024
Event-driven situations (3)
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