CURO Group Holdings Corp.
Financials · Finance Services · DE · SEC filings ↗ · Compare ⊕
Financials
SEC XBRL · annual| FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | |
|---|---|---|---|---|---|---|
| Revenue | $1.03B | $817.8M | $847.4M | $673.2M | $623.5M | $162.8M |
| Operating income | — | — | — | — | — | — |
| Net income | −$185.5M | $59.3M | $75.7M | $111.5M | −$22.1M | $16.6M |
| Total assets | $2.79B | $2.46B | $1.18B | $1.08B | $919.6M | $859.7M |
| Total liabilities | $2.84B | $2.30B | $1.05B | $1.03B | $938.7M | $852.6M |
| Equity | −$54.1M | $160.3M | $131.9M | $50.5M | −$19.1M | $7.1M |
| EPS (diluted) | $-4.59 | $1.38 | $1.80 | $2.43 | $-0.46 | $0.43 |
| Shares out. | 40.2M | 41.5M | 41.4M | 46.4M | 46.4M | 44.6M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2022- Operating margin
- —
- Net margin
- −18.1%
- Return on equity
- 342.6%
- Return on assets
- −6.7%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 101.9%
- Debt / equity
- —
- Book value / share
- $-1.35
- Revenue growth (YoY)
- 25.4%
- Net income growth (YoY)
- −412.6%
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 · FY2022- Accruals / assets
- −16.9%clean
- Piotroski F-Score
- 4/7mixed
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.
Signs
● 1 severe● 2 warning● 4 good- Negative shareholder equity
- Reported a net loss
- High leverage (liabilities > 70% of assets)
- Strong return on equity (>15%)
- Revenue is growing year-over-year
- Positive operating cash flow
- Clean earnings (low accruals)
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
Material events
SEC Form 8-K · most recent- Entered a material agreement · Bankruptcy or receivership · Debt acceleration / triggering event · Regulation FD disclosureMar 25, 2024
- Director / officer changeMar 19, 2024
- Entered a material agreement · Delisting / listing-standard notice · Regulation FD disclosureMar 15, 2024
- Entered a material agreement · Regulation FD disclosureMar 1, 2024
- Results of operations · Regulation FD disclosureFeb 12, 2024
- Entered a material agreement · Regulation FD disclosureFeb 8, 2024
- Results of operations · Regulation FD disclosureFeb 5, 2024
- Regulation FD disclosureNov 13, 2023
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.