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Nicholas Financial, Inc. (NICK) Q1 2026 Earnings Report

Comprehensive analysis of Nicholas Financial, Inc.'s financial performance for Q1 2026 with historical comparisons and future outlook.

Reported Q: Q1 2026 Rev YoY: -21.6% EPS YoY: -280.6% Move: -0.16%
Nicholas Financial, Inc.
NICK
$6.19 -0.16%
Exchange NASDAQ Global Select Sector Financial Services Industry Financial - Credit Services
Q1 2026
Published: Aug 14, 2025

Company Status Snapshot

Fast view of the latest quarter outcome for NICK

Reported

Report Date

Aug 14, 2025

Quarter Q1 2026

Revenue

3.03M

YoY: -21.6%

EPS

-0.11

YoY: -280.6%

Market Move

-0.16%

Previous quarter: Q3 2025

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Earnings Highlights

  • Revenue of $3.03M down 21.6% year-over-year
  • EPS of $-0.11 decreased by 280.6% from previous year
  • Gross margin of 94.2%
  • Net income of -748.00K
  • "" -
NICK
Company NICK
Period Q1 2026
Currency USD
Report Type Quarterly Earnings
Generated Mar 14, 2026

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Executive Summary

Nicholas Financial, Inc. reported QQ1 2026 revenue of USD 3.034 million, down 21.60% year-over-year and up 2.22% quarter-over-quarter. The gross margin remained high at approximately 94.2%, but the company posted an operating loss of USD 0.986 million and a net loss of USD 0.748 million, delivering an EPS of -0.11. EBITDA was negative at USD 0.159 million, with an EBITDAR ratio of -0.052 and an operating income margin of -32.5%. These results reflect a challenging profitability environment despite a favorable gross margin, driven by elevated operating expenses and non-operating items.

Key Performance Indicators

Revenue
Decreasing
3.03M
QoQ: 2.22% | YoY: -21.60%
Gross Profit
Decreasing
2.86M
94.20% margin
QoQ: 3.66% | YoY: -25.80%
Operating Income
Decreasing
-986.00K
QoQ: -40.26% | YoY: -344.14%
Net Income
Decreasing
-748.00K
QoQ: -116.81% | YoY: -254.50%
EPS
Decreasing
-0.11
QoQ: -111.54% | YoY: -280.62%

Revenue Trend

Margin Analysis

Historical Earnings Comparison

PeriodRevenue ($M)EPS ($)YoY GrowthReport
Q1 2026 3.03 -0.11 -21.6% View
Q3 2025 2.97 -0.05 -40.1% View
Q2 2025 3.35 -0.07 -47.2% View
Q1 2025 0.49 -0.49 -92.6% View
Q4 2024 3.87 -0.03 -48.7% View
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