CURO Group Holdings Corp.
Financial ratios & Valuation

Forward Multiples (2025 – 2026)

20252026
Price/Earnings ratio
N/AN/A
Price/Sales ratio
N/AN/A
Earnings per Share (EPS)
$-0.52$0.81

Historical Multiples (2015 – 2023)

2015 2016 2017 2018 2019 2020 2021 2022 2023 TTM Median
Valuation Ratios
Price/Earnings ratio
5.321.4410.98-19.714.887.7311.10-0.77-0.12N/A-7.41
Price/Sales ratio
0.130.120.830.470.651.020.990.180.04N/A0.56
Price/Book Value ratio
-4.882.3175.67-22.7610.774.444.10-2.65-0.07N/A-5.99
Price/Cash Flow ratio
5.531.9831.010.810.831.442.030.500.75N/A0.82
Price/Free Cash Flow ratio
-34.822.9870.550.830.851.482.190.600.75N/A0.84
Price/Earnings Growth ratio
N/A0.00-0.120.14-0.00-0.35-0.530.00-0.00N/A0.06
Dividend Yield
N/AN/A33.70%N/AN/A1.55%2.41%9.55%N/A9.32%4.66%
Profitability Indicator Ratios
Gross Profit Margin
100%100%4.72%17.11%8.13%5.26%44.37%45.37%90.01%N/A12.62%
Operating Profit Margin
14.39%22.55%14.22%7.01%18.06%14.34%12.19%-1.09%43.50%N/A12.53%
Pretax Profit Margin
5.11%14.13%14.22%1.99%17.14%14.11%12.19%-25.01%-23.42%N/A9.56%
Net Profit Margin
2.53%8.56%7.62%-2.42%13.41%13.30%8.98%-23.89%-39.66%N/A5.49%
Effective Tax Rate
50.46%39.41%46.41%9.15%27.06%7.33%26.34%4.46%-18.11%N/A18.11%
Return on Assets
2.66%8.38%5.71%-2.39%10.30%6.40%2.41%-6.65%-14.96%N/A3.95%
Return On Equity
-91.67%160.18%688.80%115.45%220.71%57.41%37.00%342.63%61.21%N/A168.08%
Return on Capital Employed
15.93%29.60%13.26%8.10%16.86%8.38%6.01%-0.75%16.79%N/A12.48%
Liquidity Ratios
Current Ratio
N/AN/AN/A0.530.310.14N/AN/AN/A20.940.42
Quick Ratio
12.302.673.440.66-3.16-2.53-1.39-1.232.07N/A-1.24
Cash ratio
3.050.970.960.460.391.010.050.043.25N/A0.42
Days of Sales Outstanding
122.9017.73216.1019.15N/AN/AN/A10.30N/AN/AN/A
Days of Inventory outstanding
N/AN/A8.94-8.33332.39525.111.65K1.85KN/AN/A162.02
Operating Cycle
N/AN/A225.0410.82332.39525.111.65K1.86KN/AN/A171.60
Days of Payables Outstanding
N/AN/A48.2721.9738.2247.22155.4096.67N/AN/A30.10
Cash Conversion Cycle
N/AN/A176.77-11.15294.16477.891.49K1.76KN/AN/A141.50
Debt Ratios
Debt Ratio
0.850.800.960.990.730.790.830.401.15N/A0.86
Debt Equity Ratio
-29.5015.35116.17-47.8415.657.1412.80-20.75-4.71N/A-16.09
Long-term Debt to Capitalization
1.030.920.991.020.930.850.871.051.26N/A0.98
Total Debt to Capitalization
1.030.930.991.020.930.870.921.051.26N/A0.98
Interest Coverage Ratio
N/AN/AN/AN/AN/A1.02N/AN/AN/A-0.140.51
Cash Flow to Debt Ratio
0.020.070.020.580.820.430.150.250.02N/A0.70
Company Equity Multiplier
-34.3619.11120.47-48.1421.418.9615.34-51.52-4.09N/A-13.36
Cash Flow Ratios
Operating Cash Flow / Sales Ratio
0.020.060.020.580.780.710.480.360.06N/A0.68
Free Cash Flow / Operating Cash Flow Ratio
-0.150.660.430.970.970.970.920.831N/A0.97
Cash Flow Coverage Ratio
0.020.070.020.580.820.430.150.250.02N/A0.70
Short Term Coverage Ratio
2.120.320.144.97N/A2.900.334.52N/AN/AN/A
Dividend Payout Ratio
N/AN/A370.27%N/AN/A12.00%26.85%-7.39%N/A-3.75%6.00%