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QC Holdings

OTCPK:QCCO
Snowflake Description

Imperfect balance sheet and overvalued.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
QCCO
OTCPK
$6M
Market Cap
  1. Home
  2. US
  3. Diversified Financials
Company description

QC Holdings, Inc. and its subsidiaries provide various financial services. The last earnings update was 146 days ago. More info.


Add to Portfolio Compare Print
  • QC Holdings has significant price volatility in the past 3 months.
QCCO Share Price and Events
7 Day Returns
0%
OTCPK:QCCO
0.1%
US Consumer Finance
-1.2%
US Market
1 Year Returns
-34.6%
OTCPK:QCCO
20.2%
US Consumer Finance
22.3%
US Market
QCCO Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
QC Holdings (QCCO) 0% -16.2% -21.2% -34.6% -54.6% -81%
US Consumer Finance 0.1% 2.3% 5.8% 20.2% 37% 40.9%
US Market -1.2% 1.6% 8.8% 22.3% 40.3% 58%
1 Year Return vs Industry and Market
  • QCCO underperformed the Consumer Finance industry which returned 20.2% over the past year.
  • QCCO underperformed the Market in United States of America which returned 22.3% over the past year.
Price Volatility
QCCO
Industry
5yr Volatility vs Market

QCCO Value

 Is QC Holdings undervalued based on future cash flows and its price relative to the stock market?

Value is all about what a company is worth versus what price it is available for. If you went into a grocery store and all the bananas were on sale at half price, they could be considered undervalued.
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
  • It is not possible to calculate the future cash flow value for QC Holdings. This is due to cash flow or dividend data being unavailable. The share price is $0.327.
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing when they are out of season, or how much your home is worth.

The amount the stock market is willing to pay for QC Holdings's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are QC Holdings's earnings available for a low price, and how does this compare to other companies in the same industry?
Raw Data
OTCPK:QCCO PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2019-06-30) in USD $-0.41
OTCPK:QCCO Share Price ** OTCPK (2020-01-21) in USD $0.33
United States of America Consumer Finance Industry PE Ratio Median Figure of 31 Publicly-Listed Consumer Finance Companies 8.38x
United States of America Market PE Ratio Median Figure of 2,923 Publicly-Listed Companies 18.58x

* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.

** Primary Listing of QC Holdings.

OTCPK:QCCO PE (Price to Earnings) Ratio Calculation
Calculation Outcome
PE Ratio

= OTCPK:QCCO Share Price ÷ EPS (both in USD)

= 0.33 ÷ -0.41

-0.79x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • QC Holdings is loss making, we can't compare its value to the US Consumer Finance industry average.
  • QC Holdings is loss making, we can't compare the value of its earnings to the United States of America market.
Price based on expected Growth
Does QC Holdings's expected growth come at a high price?
Raw Data
OTCPK:QCCO PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section -0.79x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 0 Analysts
Not available
United States of America Consumer Finance Industry PEG Ratio Median Figure of 25 Publicly-Listed Consumer Finance Companies 0.38x
United States of America Market PEG Ratio Median Figure of 2,032 Publicly-Listed Companies 1.57x

*Line of best fit is calculated by linear regression .

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unable to calculate PEG ratio for QC Holdings, we can't assess if its growth is good value.
Price based on value of assets
What value do investors place on QC Holdings's assets?
Raw Data
OTCPK:QCCO PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2019-06-30) in USD $2.07
OTCPK:QCCO Share Price * OTCPK (2020-01-21) in USD $0.33
United States of America Consumer Finance Industry PB Ratio Median Figure of 42 Publicly-Listed Consumer Finance Companies 1.16x
United States of America Market PB Ratio Median Figure of 5,099 Publicly-Listed Companies 1.84x
OTCPK:QCCO PB (Price to Book) Ratio Calculation
Calculation Outcome
PB Ratio

= OTCPK:QCCO Share Price ÷ Book Value per Share (both in USD)

= 0.33 ÷ 2.07

0.16x

* Primary Listing of QC Holdings.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • QC Holdings is good value based on assets compared to the US Consumer Finance industry average.
X
Value checks
We assess QC Holdings's value by looking at:
  1. Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
  2. Is the PE ratio less than the market average, and/ or less than the Consumer Finance industry average (and greater than 0)? (2 checks)
  3. Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
  4. Is the PB ratio less than the Consumer Finance industry average (and greater than 0)? (1 check)
  5. QC Holdings has a total score of 1/6, see the detailed checks below.

    Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.

    Full details on the Value part of the Simply Wall St company analysis model.

QCCO Future Performance

 How is QC Holdings expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as QC Holdings has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by Simply Wall St do have past financial data. You can see them here.

Show me the analysis anyway

The future performance of a company is measured in the same way as past performance, by looking at estimated growth and how much profit it is expected to make.

Future estimates come from professional analysts. Just like forecasting the weather, they don’t always get it right!
Annual Growth Rate
2.9%
Expected Consumer Finance industry annual growth in earnings.
Earnings growth vs Low Risk Savings
Is QC Holdings expected to grow at an attractive rate?
  • Unable to compare QC Holdings's earnings growth to the low risk savings rate as no estimate data is available.
Growth vs Market Checks
  • Unable to compare QC Holdings's earnings growth to the United States of America market average as no estimate data is available.
  • Unable to compare QC Holdings's revenue growth to the United States of America market average as no estimate data is available.
Annual Growth Rates Comparison
Raw Data
OTCPK:QCCO Future Growth Rates Data Sources
Data Point Source Value (per year)
United States of America Consumer Finance Industry Earnings Growth Rate Market Cap Weighted Average 2.9%
United States of America Consumer Finance Industry Revenue Growth Rate Market Cap Weighted Average 10.2%
United States of America Market Earnings Growth Rate Market Cap Weighted Average 14.7%
United States of America Market Revenue Growth Rate Market Cap Weighted Average 7.7%

*Line of best fit is calculated by linear regression .

Industry and Market average data is calculated daily.

Learn more about our growth rate calculations in Simply Wall St’s analysis model.

Analysts growth expectations
Raw Data
OTCPK:QCCO Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (6 months ago) See Below
Future Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below
All numbers in USD Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
OTCPK:QCCO Past Financials Data
Date (Data in USD Millions) Revenue Cash Flow Net Income *
2019-06-30 108 -3 -7
2019-03-31 104 -7 -8
2018-12-31 102 -8 -8
2018-09-30 101 -4 -7
2018-06-30 99 -1 -5
2018-03-31 99 0 -4
2017-12-31 98 2 -4
2017-09-30 99 3 -14
2017-06-30 103 7 -15
2017-03-31 109 8 -18
2016-12-31 117 5 -17
2016-09-30 125 7 -5

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • Unable to determine if QC Holdings is high growth as no earnings estimate data is available.
  • Unable to determine if QC Holdings is high growth as no revenue estimate data is available.
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can be gauged below. We look back 3 years and see if they were any good at predicting what actually occurred. We also show the highest and lowest estimates looking forward to see if there is a wide range.
Raw Data
OTCPK:QCCO Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (6 months ago) See Below
Future Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below

All data from QC Holdings Company Filings, last reported 6 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

OTCPK:QCCO Past Financials Data
Date (Data in USD Millions) EPS *
2019-06-30 -0.41
2019-03-31 -0.45
2018-12-31 -0.47
2018-09-30 -0.38
2018-06-30 -0.28
2018-03-31 -0.23
2017-12-31 -0.20
2017-09-30 -0.81
2017-06-30 -0.88
2017-03-31 -1.02
2016-12-31 -0.97
2016-09-30 -0.27

*GAAP earnings excluding extraordinary items.

Performance in 3 years
In the same way as past performance we look at the future estimated return (profit) compared to the available funds. We do this looking forward 3 years.
  • Unable to establish if QC Holdings will efficiently use shareholders’ funds in the future without estimates of Return on Equity.

Next steps:

  1. Take a look at our analysis of QCCO’s management and see if the CEO’s compensation is within a reasonable range, who is on the board and if insiders have been trading lately.
  2. QC Holdings's future outlook can be gauged by looking at industry trends and market size, and determining how well-positioned the company is compared to its competitors. Take a look at other high-growth Diversified Financials companies here
  3. While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on the OTC Markets Website. If you are looking for more of a qualitative research into the company, you can access QC Holdings's filings and announcements here.
  4. Use fundamentals to screen for another stock to analyse from our database of over 75,000 companies worldwide
X
Future performance checks
We assess QC Holdings's future performance by looking at:
  1. Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
  2. Is the annual earnings growth rate expected to beat the average growth rate in earnings of the United States of America market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the United States of America market? (1 check)
  4. Is the annual earnings growth rate expected to be above 20%? (1 check)
  5. Is the annual revenue growth rate expected to be above 20%? (1 check)
  6. Is the Return on Equity in 3 years expected to be over 20%? (1 check)
Some of the above checks will fail if the company is expected to be loss making in the relevant year.
QC Holdings has a total score of 0/6, see the detailed checks below.

Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.

Full details on the Future part of the Simply Wall St company analysis model.

QCCO Past Performance

  How has QC Holdings performed over the past 5 years?

The past performance of a company can be measured by how much growth it has experienced and how much profit it makes relative to the funds and assets it has available.
Past earnings growth
Below we compare QC Holdings's growth in the last year to its industry (Consumer Finance).
Past Earnings growth analysis
We also check if the company has grown in the past 5 years, and whether it has maintained that growth in the year.
  • QC Holdings does not make a profit and their year on year earnings growth rate was negative over the past 5 years.
  • Unable to compare QC Holdings's 1-year earnings growth to the 5-year average as it is not currently profitable.
  • Unable to compare QC Holdings's 1-year growth to the US Consumer Finance industry average as it is not currently profitable.
Earnings and Revenue History
QC Holdings's revenue and profit over the past 5 years is shown below, any years where they have experienced a loss will show up in red.
Raw Data

All data from QC Holdings Company Filings, last reported 6 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

OTCPK:QCCO Past Revenue, Cash Flow and Net Income Data
Date (Data in USD Millions) Revenue Net Income * G+A Expenses R&D Expenses
2019-06-30 108.06 -7.14 21.46
2019-03-31 104.18 -7.74 21.81
2018-12-31 101.79 -8.06 21.84
2018-09-30 100.99 -6.63 22.47
2018-06-30 99.42 -4.93 23.20
2018-03-31 98.90 -4.02 23.13
2017-12-31 98.21 -3.54 23.59
2017-09-30 98.62 -14.13 24.13
2017-06-30 102.58 -15.22 25.95
2017-03-31 108.98 -17.63 27.19
2016-12-31 117.24 -16.77 27.45
2016-09-30 124.98 -4.72 28.13
2016-06-30 129.89 -4.27 28.40
2016-03-31 132.66 -0.91 27.45
2015-12-31 135.50 -1.04 28.04
2015-09-30 140.19 -0.03 27.57
2015-06-30 145.09 1.79 26.18
2015-03-31 149.08 2.98 27.05
2014-12-31 153.07 5.08 26.86
2014-09-30 156.06 -10.21 26.73
2014-06-30 157.30 -9.82 27.03
2014-03-31 157.96 -9.12 26.79
2013-12-31 156.13 -9.68 28.61
2013-09-30 147.63 4.57 30.83
2013-06-30 147.94 5.70 32.55
2013-03-31 141.30 6.27 32.86

*GAAP earnings excluding extraordinary items.

Performance last year
We want to ensure a company is making the most of what it has available. This is done by comparing the return (profit) to a company's available funds, assets and capital.
  • It is difficult to establish if QC Holdings has efficiently used shareholders’ funds last year (Return on Equity greater than 20%) as it is loss-making.
  • It is difficult to establish if QC Holdings has efficiently used its assets last year compared to the US Consumer Finance industry average (Return on Assets) as it is loss-making.
  • It is difficult to establish if QC Holdings improved its use of capital last year versus 3 years ago (Return on Capital Employed) as it is currently loss-making.
X
Past performance checks
We assess QC Holdings's performance over the past 5 years by checking for:
  1. Has earnings increased in past 5 years? (1 check)
  2. Has the earnings growth in the last year exceeded that of the Consumer Finance industry? (1 check)
  3. Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
  4. Is the Return on Equity (ROE) higher than 20%? (1 check)
  5. Is the Return on Assets (ROA) above industry average? (1 check)
  6. Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent earnings report. Some checks require at least 3 or 5 years worth of data.
QC Holdings has a total score of 0/6, see the detailed checks below.

Note: We use GAAP Net Income excluding extraordinary items in all our calculations.

Full details on the Past part of the Simply Wall St company analysis model.

QCCO Health

 How is QC Holdings's financial health and their level of debt?

A company's financial position is much like your own financial position, it includes everything you own (assets) and owe (liabilities).

The boxes below represent the relative size of what makes up QC Holdings's finances.

The net worth of a company is the difference between its assets and liabilities.
Net Worth
  • QC Holdings is able to meet its short term (1 year) commitments with its holdings of cash and other short term assets.
  • QC Holdings's cash and other short term assets cover its long term commitments.
Balance sheet
This treemap shows a more detailed breakdown of QC Holdings's finances. If any of them are yellow this indicates they may be out of proportion and red means they relate to one of the checks below.
Assets
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
  • High level of physical assets or inventory.
  • Debt is covered by short term assets, assets are 2.1x debt.
Historical Debt
Nearly all companies have debt. Debt in itself isn’t bad, however if the debt is too high, or the company can’t afford to pay the interest on its debts this may have impacts in the future.

The graphic below shows equity (available funds) and debt, we ideally want to see the red area (debt) decreasing.

If there is any debt we look at the companies capability to repay it, and whether the level has increased over the past 5 years.
Raw Data

All data from QC Holdings Company Filings, last reported 6 months ago.

OTCPK:QCCO Past Debt and Equity Data
Date (Data in USD Millions) Total Equity Total Debt Cash & Short Term Investments
2019-06-30 35.90 23.89 10.03
2019-03-31 38.16 16.31 11.33
2018-12-31 37.96 19.23 12.51
2018-09-30 37.96 19.23 12.51
2018-06-30 43.06 12.50 16.53
2018-03-31 45.93 10.24 21.93
2017-12-31 46.06 10.67 16.20
2017-09-30 47.19 7.59 15.56
2017-06-30 48.01 7.52 17.29
2017-03-31 49.93 10.06 25.86
2016-12-31 49.59 9.99 16.66
2016-09-30 61.53 7.66 16.72
2016-06-30 63.47 5.37 13.46
2016-03-31 67.82 3.59 16.68
2015-12-31 67.81 9.80 16.12
2015-09-30 67.65 6.52 12.82
2015-06-30 69.10 4.23 11.19
2015-03-31 71.51 3.45 16.67
2014-12-31 70.36 15.42 14.22
2014-09-30 69.95 12.63 11.72
2014-06-30 69.54 11.85 10.91
2014-03-31 69.23 8.91 15.30
2013-12-31 65.91 24.08 12.69
2013-09-30 81.17 28.05 14.14
2013-06-30 82.80 23.27 14.17
2013-03-31 83.38 17.69 17.07
  • QC Holdings's level of debt (66.5%) compared to net worth is high (greater than 40%).
  • The level of debt compared to net worth has increased over the past 5 years (17% vs 66.5% today).
CASH RUNWAY ANALYSIS

For companies that have on average been loss making in the past we assess whether they have at least 1 year of cash runway.

  • QC Holdings has less than a year of cash runway based on current free cash flow.
  • QC Holdings has less than a year of cash runway if free cash flow continues to grow at historical rates of 112.6% each year.
X
Financial health checks
We assess QC Holdings's financial health by checking for:
  1. Are short term assets greater than short term liabilities? (1 check)
  2. Are short term assets greater than long term liabilities? (1 check)
  3. Has the debt to equity ratio increased in the past 5 years? (1 check)
  4. Is the debt to equity ratio over 40%? (1 check)
  5. Is the debt covered by operating cash flow? (1 check)
  6. Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check)
  7. QC Holdings has a total score of 2/6, see the detailed checks below.
For companies that are loss making and have been so on average in the past we replace the last 2 checks with:
  1. Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
  2. Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)


Full details on the Health part of the Simply Wall St company analysis model.

QCCO Dividends

 What is QC Holdings's current dividend yield, its reliability and sustainability?

Dividends are regular cash payments to you from the company, similar to a bank paying you interest on a savings account.
Annual Dividend Income
Dividend payments
0%
Current annual income from QC Holdings dividends.
If you bought $2,000 of QC Holdings shares you are expected to receive $0 in your first year as a dividend.
Dividend Amount
Here we look how much dividend is being paid, if any. Is it above what you can get in a savings account? It is up there with the best dividend paying companies?
  • Unable to evaluate QC Holdings's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.
  • Unable to evaluate QC Holdings's dividend against the top 25% market benchmark as the company has not reported any payouts.
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not wildly increasing/decreasing each year. This graph shows you the historical rate to count toward your assessment of the stock.

We also check to see if the dividend has increased in the past 10 years.
Raw Data
OTCPK:QCCO Annualized Past and Future Dividends
Data Point Source Value
Past Annualized Dividend Yield S&P Global Market Data See Below
Past Dividends per Share Company Filings/ Annualized Dividend Payments See Below
Future Dividends per Share Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below
United States of America Consumer Finance Industry Average Dividend Yield Market Cap Weighted Average of 14 Stocks 1.7%
United States of America Market Average Dividend Yield Market Cap Weighted Average of 1962 Stocks 2.3%
United States of America Minimum Threshold Dividend Yield 10th Percentile 0.8%
United States of America Bottom 25% Dividend Yield 25th Percentile 1.4%
United States of America Top 25% Dividend Yield 75th Percentile 3.7%

Industry and Market average data is calculated daily.

Note all dividend per share amounts are annualized and not quarterly or other period.

OTCPK:QCCO Past Annualized Dividends Data
Date (Data in $) Dividend per share (annual) Avg. Yield (%)
2017-03-31 0.000 0.000
2016-11-18 0.000 0.000
2016-08-30 0.000 0.000
2016-05-25 0.000 0.000
2016-03-31 0.000 0.000
2015-11-12 0.000 0.000
2015-11-06 0.000 0.000
2015-05-05 0.000 0.000
2015-03-12 0.200 9.597
2015-03-10 0.200 10.372
2014-11-14 0.200 11.513
2014-08-14 0.000 0.000
2014-08-05 0.000 0.000
2014-05-08 0.000 0.000
2014-05-01 0.000 0.000
2014-03-13 0.000 0.000
2014-03-06 0.000 0.000
2013-11-13 0.000 0.000
2013-11-12 0.000 0.000
2013-08-08 0.200 8.286
2013-05-09 0.200 7.048
2013-03-14 0.200 6.375
2013-02-14 0.200 6.062
2012-11-09 0.200 6.093
2012-08-06 0.200 5.738
2012-08-02 0.200 6.186
2012-05-03 0.200 5.079
2012-02-09 0.200 5.098
2011-11-03 0.200 5.472
2011-08-04 0.200 5.753
2011-05-05 0.200 4.709
2011-02-03 0.200 4.693
2010-11-04 0.200 5.143
2010-08-05 0.400 10.324
2010-05-06 0.400 10.245
2010-02-04 0.400 7.775
2009-11-05 0.400 7.298
2009-08-04 0.200 3.221
2009-05-07 0.300 5.127
2009-02-12 0.300 5.819

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unable to perform a dividend volatility check as QC Holdings has not reported any payouts.
  • Unable to verify if QC Holdings's dividend has been increasing as the company has not reported any payouts.
Current Payout to shareholders
What portion of QC Holdings's earnings are paid to the shareholders as a dividend.
  • Unable to calculate sustainability of dividends as QC Holdings has not reported any payouts.
Future Payout to shareholders
  • Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.
X
Income/ dividend checks
We assess QC Holdings's dividend by checking for:
  1. Firstly is the company paying a notable dividend (greater than 0.8%) - if not then the rest of the checks are ignored.
  2. Is current dividend yield above the bottom 25% of dividend payers? (1 check)
  3. Is current dividend yield above the top 25% of dividend payers? (1 check)
  4. Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
  5. If they have paid a dividend for 10 years has it increased in this time? (1 check)
  6. How sustainable is the dividend, can QC Holdings afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
  7. QC Holdings has a total score of 0/6, see the detailed checks below.


Full details on the Dividends part of the Simply Wall St company analysis model.

QCCO Management

 What is the CEO of QC Holdings's salary, the management and board of directors tenure and is there insider trading?

Management is one of the most important areas of a company. We look at unreasonable CEO compensation, how long the team and board of directors have been around for and insider trading.
CEO
Darrin Andersen
COMPENSATION $711,625
AGE 50
TENURE AS CEO 7.4 years
CEO Bio

Mr. Darrin J. Andersen serves as President and Chief Operating Officer of QC Holdings, Inc. (the “Company”) from May 2004 until August 2012. Since August 2012, Mr. Andersen was named President and Chief Executive Officer of the Company. Mr. Andersen joined the Company in February 1998 and served as Chief Financial Officer from December 1999 until April 2004. Prior to joining the Company, Mr. Andersen worked in the accounting department of Newell Rubbermaid, a manufacturing company listed on the New York Stock Exchange, and in the audit group of Deloitte & Touche. Mr. Andersen is a past President of the Community Financial Services Association of America. Mr. Andersen holds a Degree in Accounting from the University of Kansas, and is a Certified Public Accountant. He also attended University of Missouri, Kansas City in 1995.

CEO Compensation
  • Darrin's compensation has increased whilst company is loss making.
  • Insufficient data for Darrin to establish whether their remuneration is reasonable compared to companies of similar size in United States of America.
Management Team Tenure

Average tenure and age of the QC Holdings management team in years:

15.7
Average Tenure
59
Average Age
  • The average tenure for the QC Holdings management team is over 5 years, this suggests they are a seasoned and experienced team.
Management Team

Don Early

TITLE
Chairman of the Board
COMPENSATION
$860K
AGE
76
TENURE
36 yrs

Darrin Andersen

TITLE
President & CEO
COMPENSATION
$712K
AGE
50
TENURE
7.4 yrs

Doug Nickerson

TITLE
Chief Financial Officer
COMPENSATION
$434K
AGE
53
TENURE
15.8 yrs

Mary Andersen-Early

TITLE
Vice Chairperson & Secretary
COMPENSATION
$590K
AGE
74
TENURE
15.7 yrs

Mark Sesler

TITLE
Chief Operating Officer
AGE
59
TENURE
4 yrs

John Kinney

TITLE
Director of Business Development
Board of Directors Tenure

Average tenure and age of the QC Holdings board of directors in years:

15.6
Average Tenure
75.5
Average Age
  • The average tenure for the QC Holdings board of directors is over 10 years, this suggests they are a seasoned and experienced board.
Board of Directors

Don Early

TITLE
Chairman of the Board
COMPENSATION
$860K
AGE
76
TENURE
15.7 yrs

Mary Andersen-Early

TITLE
Vice Chairperson & Secretary
COMPENSATION
$590K
AGE
74
TENURE
15.7 yrs

Richard Chalker

TITLE
Independent Director
COMPENSATION
$81K
AGE
78
TENURE
15.5 yrs

Jack Sutherland

TITLE
Independent Director
COMPENSATION
$78K
AGE
75
TENURE
10 yrs
Who owns this company?
Recent Insider Trading
  • No 3 month open market individual insider trading information.
Recent Insider Transactions
Announced Type Name Entity Role Start End Shares Max Price ($) Value ($)
X
Management checks
We assess QC Holdings's management by checking for:
  1. Is the CEO's compensation unreasonable compared to market cap? (1 check)
  2. Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
  3. Is the average tenure of the management team less than 2 years? (1 check)
  4. Is the average tenure of the board of directors team less than 3 years? (1 check)
  5. QC Holdings has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.


Note: We use the top 6 management executives and board members in our calculations.

Note 2: Insider trading include any internal stakeholders and these transactions .

Full details on the Management part of the Simply Wall St company analysis model.

QCCO News

Simply Wall St News

QCCO Company Info

Description

QC Holdings, Inc. and its subsidiaries provide various financial services. The company operates through three segments: Branch Lending, Centralized Lending, and E-Lending. The Branch Lending segment offers payday loans, installment loans, credit services, open-end credit, check cashing services, title loans, debit cards, money transfers, and money orders through its retail branches. The Centralized Lending segment provides long-term installment loans comprising signature and auto equity loans. The E-Lending segment is involved in the Internet lending operations in the United States and Canada. As of December 31, 2014, it operated 409 branches with locations in Alabama, Arizona, California, Colorado, Idaho, Illinois, Kansas, Kentucky, Louisiana, Mississippi, Missouri, Nebraska, Nevada, New Mexico, Ohio, Oklahoma, South Carolina, Tennessee, Texas, Utah, Virginia, Washington, and Wisconsin. QC Holdings, Inc. was founded in 1984 and is headquartered in Overland Park, Kansas.

Details
Name: QC Holdings, Inc.
QCCO
Exchange: OTCPK
Founded: 1984
$5,667,901
17,333,033
Website: http://www.qchi.com
Address: QC Holdings, Inc.
9401 Indian Creek Parkway,
Suite 1500,
Overland Park,
Kansas, 66210,
United States
Listings
Exchange Symbol Ticker Symbol Security Exchange Country Currency Listed on
OTCPK QCCO Common Stock Pink Sheets LLC US USD 16. Jul 2004
Number of employees
Current staff
Staff numbers
0
QC Holdings employees.
Industry
Consumer Finance
Diversified Financials
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2020/01/28 00:12
End of day share price update: 2020/01/21 00:00
Last earnings filing: 2019/09/04
Last earnings reported: 2019/06/30
Last annual earnings reported: 2018/12/31


All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.