CASH AMERICA INTERNATIONAL INC
Consumer Discretionary · Retail-Miscellaneous Retail · TX · SEC filings ↗ · Compare ⊕
Financials
SEC XBRL · annual| FY15 | FY14 | FY13 | FY12 | FY11 | FY10 | |
|---|---|---|---|---|---|---|
| Revenue | $271.8M | $284.6M | $468.1M | $457.5M | $1.58B | $1.34B |
| Operating income | $56.3M | $33.0M | $211.8M | $215.9M | $244.3M | $207.1M |
| Net income | $7.8M | $45.7M | $43.9M | $41.5M | $136.0M | $115.5M |
| Total assets | $1.38B | $1.52B | $2.08B | $1.82B | $1.67B | $1.43B |
| Total liabilities | $380.8M | $389.2M | $999.3M | $827.6M | $766.7M | $624.5M |
| Equity | $998.2M | $1.13B | $1.08B | $991.9M | $902.5M | $796.4M |
| EPS (diluted) | $0.27 | $1.55 | $1.40 | $1.30 | $4.25 | $3.67 |
| Shares out. | 28.6M | 28.1M | 28.8M | 29.4M | 29.6M | 31.5M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2015- Operating margin
- 20.7%
- Net margin
- 2.9%
- Return on equity
- 0.8%
- Return on assets
- 0.6%
- Return on capital (ROCE)
- 4.4%
- Liabilities / assets
- 27.6%
- Debt / equity
- 0.38×
- Book value / share
- $34.94
- Revenue growth (YoY)
- −4.5%
- Net income growth (YoY)
- −82.8%
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 · FY2015- Altman Z″ (distress)
- 8.24safe
- Accruals / assets
- −8.8%clean
- Piotroski F-Score
- 6/9mixed
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● 1 warning● 5 good- Filed a late-filing notice (Form NT) — missed an SEC deadline
- Revenue declined year-over-year
- Operating margin is positive
- Conservative leverage (liabilities < 50% of assets)
- Positive operating cash flow
- Clean earnings (low accruals)
- Altman Z″ in the safe zone
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-Kmissed a reporting deadline ↗Mar 2, 2015
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.
Insider transactions
SEC Form 4 · most recent| Insider | Date | Type | Shares | Price |
|---|---|---|---|---|
| Cash America International Inc10% owner | Sep 1, 2016 | J | 264,500 | $0.00 |
| Berce Daniel EDirector | Sep 1, 2016 | D | 10,264 | — |
| Bessant Thomas A JrOfficer — EVP - CFO | Sep 1, 2016 | D | 132,062 | — |
| Micallef Alfred MDirector | Sep 1, 2016 | D | 14,853 | — |
| Mckibben Timothy JDirector | Sep 1, 2016 | D | 14,853 | — |
| Jaynes ClintOfficer — EVP - Chief HR Officer | Sep 1, 2016 | D | 31,458 | — |
| Daugherty Jack RDirector | Sep 1, 2016 | D | 24,314 | — |
| Graves James HDirector | Sep 1, 2016 | D | 14,853 | — |
| Stuart Thomas BrentOfficer — President and CEO | Sep 1, 2016 | D | 53,534 | — |
| Hunter B DDirector | Sep 1, 2016 | D | 14,853 | — |
| Feehan Daniel RDirector | Sep 1, 2016 | D | 238,544 | — |
| Pepe Victor L.Officer — EVP-Chief Mktg & Tech Officer | Sep 1, 2016 | D | 49,127 | — |
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- Terminated a material agreement · Completed an acquisition or disposition · Delisting / listing-standard notice · Modified shareholder rights · Change in control · Director / officer change · Shareholder vote · Other material eventSep 2, 2016
- Director / officer change · Other material eventAug 29, 2016
- Results of operations · Regulation FD disclosureJul 28, 2016
- Other material eventJul 26, 2016
- Other material eventJun 14, 2016
- Shareholder voteMay 20, 2016
- Entered a material agreementApr 29, 2016
- Results of operations · Regulation FD disclosure · Other material eventApr 28, 2016
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 ↗- SC 13G13G CSH DECEMBER 2016Feb 14, 2017
- SC 13G/ASCHEDULE 13G/AFeb 9, 2017
- SC 13G/ACASH AMERICA INTERNATIONAL, INC. - 9/30/2016Oct 11, 2016
- 4/AFORM 4/ASep 14, 2016
- 15-15DFORM 15-15DSep 12, 2016
- 15-12GFORM 15-12GSep 12, 2016
- 4/AFORM 4/ASep 8, 2016
- 4FORM 4Sep 6, 2016
- 4FORM 4Sep 6, 2016
- 4FORM 4Sep 6, 2016
- 4FORM 4Sep 6, 2016
- 4FORM 4Sep 6, 2016
- 4FORM 4Sep 6, 2016
- 4FORM 4Sep 6, 2016
- 4FORM 4Sep 6, 2016
Corporate family
Spin-offs from CASH AMERICA INTERNATIONAL INC (1)
- Enova International, Inc.ENVAcompletedNov 13, 2014details
From the spin-off filings we track. Follow a company to walk its own history.
Event-driven situations (2)
Spot an error in this record? Report it. Every correction is verified against the source filing before we change anything.