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On November 4, 2015, we conducted the Share Exchange with Rent Pay, which became our wholly owned subsidiary Industry Background Consumer Lending and Credit Management Industry - United States The consumer lending and alternative financial services industry in the United States represents a significant market segment that includes payday lending, installment lending, check cashing, and other sh…
The business is unprofitable at the operating level (-60.77% margin). The thesis depends entirely on whether and when it reaches sustainable profitability.
Revenue grew 4.3%, steady but not accelerating.
ROIC dropped from -1495.02% to -21866.25%, capital efficiency is deteriorating. Negative free cash flow of -$290K. The business is consuming cash, not generating it.
Profitability & Returns
Revenue (TTM)
$746K
▲ +4.3% YoY
Net Income (TTM)
-$1M
▼ -160.5% YoY
Op. Margin
-60.77%
▲ +10.4pp YoY
ROIC
-21866.25%
▼ -20371.2pp YoY
Cash Flow & Balance Sheet
FCF (TTM)
-$290K
▲ +62.1% YoY
Op. Cash Flow (TTM)
-$288K
▲ +62.3% YoY
Net Debt
-$95K
Net Cash Position
Cash & Equiv.
$96K
5Y CAGR: -7.6%
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