CompuCredit Holdings Corp. Fundamental Company Report Including Financial, SWOT, Competitors and Industry Analysis
- The report contains detailed information about CompuCredit Holdings Corp. that gives an unrivalled in-depth knowledge about internal business-environment of the company: data about the owners, senior executives, locations, subsidiaries, markets, products, and company history.
- Another part of the report is a SWOT-analysis carried out for CompuCredit Holdings Corp.. It involves specifying the objective of the company's business and identifies the different factors that are favorable and unfavorable to achieving that objective. SWOT-analysis helps to understand company’s strengths, weaknesses, opportunities, and possible threats against it.
- The CompuCredit Holdings Corp. financial analysis covers the income statement and ratio trend-charts with balance sheets and cash flows presented on an annual and quarterly basis. The report outlines the main financial ratios pertaining to profitability, margin analysis, asset turnover, credit ratios, and company’s long-term solvency. This sort of company's information will assist and strengthen your company’s decision-making processes.
- In the part that describes CompuCredit Holdings Corp. competitors and the industry in whole, the information about company's financial ratios is compared to those of its competitors and to the industry. The unique analysis of the market and company’s competitors along with detailed information about the internal and external factors affecting the relevant industry will help to manage your business environment. Your company’s business and sales activities will be boosted by gaining an insight into your competitors’ businesses.
- Also the report provides relevant news, an analysis of PR-activity, and stock price movements. The latter are correlated with pertinent news and press releases, and annual and quarterly forecasts are given by a variety of experts and market research firms. Such information creates your awareness about principal trends of CompuCredit Holdings Corp. business.
About CompuCredit Holdings Corp.
CompuCredit Holdings Corporation, through its subsidiary, CompuCredit Corporation, provides credit and related financial services and products to or associated with the financially underserved consumer credit market.
Segments
The company operates in five reportable segments: Credit Cards; Investments in Previously Charged-Off Receivables; Retail Micro-Loans; Auto Finance; and Internet Micro-Loans.
Credit Cards Segment
The Credit Cards segment consists of its credit card investment and servicing activities, as conducted with respect to receivables underlying accounts originated and portfolios purchased by the company and its equity-method investees. This segment includes the activities associated with its credit card products.
Investments in Previously Charged-Off Receivables Segment
The Investments in Previously Charged-Off Receivables segment consists of the operations of its debt collection subsidiary, Jefferson Capital Systems, LLC (Jefferson Capital). Through this subsidiary, the company acquires and sells previously charged-off credit card receivables and apply its collection expertise to the receivables the company owns.
Retail Micro-Loans Segment
The Retail Micro-Loans segment consists of a network of storefront locations that, depending on the location, provide following products or services: small-balance, short-term cash advance loans for 30 days or less and to which are referred to as micro-loans; installment loan and other credit products; and money transfer and other financial services. These loans and products are marketed through retail branch locations in Alabama, Colorado, Kentucky, Mississippi, Ohio, Oklahoma, South Carolina, Tennessee, and Wisconsin.
Auto Finance Segment
The Auto Finance segment includes various auto sales and lending activities. It collects a portfolio of auto finance receivables that it previously originated through franchised and independent auto dealers, purchasing and/or servicing auto loans from or for a pre-qualified network of dealers in the buy-here, pay-here used car business and selling used automobiles through its own buy-here, pay-here lots. The companys original platform, CAR, purchases auto loans at a discount and services auto loans for a fee; its customer base includes a nationwide network of pre-qualified auto dealers in the buy-here, pay-here used car business. It also owns JRAS, a buy-here, pay-here dealer the company. Through the JRAS platform, the company sells vehicles to consumers and provides the underlying financing associated with the vehicle sales. As of December 31, 2009, JRAS had six retail lots. Collectively, the company serves 795 dealers through its Auto Finance segment in 46 states and the District of Columbia.
Internet Micro-Loans Segment
The Internet Micro-Loans segment comprises its U.K. and U.S.-based Internet, micro-loan operations. The company owns a 95% of the outstanding shares of Month-End Money (MEM), its U.K.-based, Internet, micro-loan operations. Using proprietary analytics to market, underwrite and manage loans to consumers in need of short-term financial assistance, MEM loans are made for a period of up to 40 days and are repayable in full on the customers next payday.
Competition
Credit Cards Segment: The company's competitors include JP Morgan Chase; Bank of America; CitiBank; and Capital One.
Retail and Internet Micro-Loans: The companys subsidiaries compete with traditional financial institutions, such as Bank of America, JP Morgan or CitiBank. Key competitors, in addition to traditional financial institutions, include Cash America, Dollar Financial Corp., First Cash Financial Services, and Advance America Cash Advance Centers. It also competes with Internet-based micro-lenders, such as Cash Net in the U.S. and Dollar Financial and Cash America in the U.K.
Auto Finance Segment: The company competes mainly with national and regional companies focused on this credit segment, including Credit Acceptance Corp., WestLake Financial, Mid-Atlantic Finance, AmeriCredit, Drive Financial and Western Funding, and Americas Car Mart.
History
CompuCredit Holdings Corporation was founded in 1996.
The above Company Fundamental Report is a half-ready report and contents are subject to change.
It means that we have all necessary data in our database to prepare the report but need 2-3 days to complete it. During this time we are also updating the report with respect to the current moment. So, you can get all the most recent data available for the same price. Please note that preparation of additional types of analyses requires extra time.
RESEARCH METHODOLOGY
DISCLAIMER
1. COMPUCREDIT HOLDINGS CORP. COMPANY PROFILE
1.1. Key facts
1.2. Financial Performance
1.3. Key Executives
1.4. Ownership and Major Holders
1.5. Company History
2. COMPUCREDIT HOLDINGS CORP. BUSINESS OVERVIEW
2.1. Business Description
2.2. Major Products and Services
2.3. Markets and Sales Activities
2.4. Locations, Subsidiaries, Operating Units
3. COMPUCREDIT HOLDINGS CORP. SWOT ANALYSIS
3.1. Overview
3.2. Strengths
3.3. Weaknesses
3.4. Opportunities
3.5. Threats
4. COMPUCREDIT HOLDINGS CORP. FINANCIAL ANALYSIS
4.1. Financial Statements
4.1.1. Income Statement
4.1.2. Balance Sheet
4.1.3. Cash Flow
4.2. Financial Ratios
4.2.1. Profitability
4.2.2. Margin Analysis
4.2.3. Asset Turnover
4.2.4. Credit Ratios
4.2.5. Long-Term Solvency
4.2.6. Growth Over Prior Year
4.2.7. Financial Ratios Charts
4.3. Stock Market Snapshot
5. COMPUCREDIT HOLDINGS CORP. COMPETITORS AND INDUSTRY ANALYSIS
5.1. CompuCredit Holdings Corp. Direct Competitors
5.2. Comparison of CompuCredit Holdings Corp. and Direct Competitors Financial Ratios
5.3. Comparison of CompuCredit Holdings Corp. and Direct Competitors Stock Charts
5.4. CompuCredit Holdings Corp. Industry Analysis
5.4.1. Industry Snapshot
5.4.2. CompuCredit Holdings Corp. Industry Position Analysis
6. COMPUCREDIT HOLDINGS CORP. NEWS & EVENTS
6.1. News & PR Activity Analysis
6.2. IR Corporate News
6.3. Marketing News
6.4. Corporate Events
7. COMPUCREDIT HOLDINGS CORP. EXPERTS REVIEW1
7.1. Experts Consensus
7.2. Experts Revisions
8. COMPUCREDIT HOLDINGS CORP. ENHANCED SWOT ANALYSIS2
9. UNITED STATES PESTEL ANALYSIS2
9.1. Political Factors
9.2. Economic Factors
9.3. Social Factors
9.4. Technological Factors
9.5. Environmental Factors
9.6. Legal Factors
10. COMPUCREDIT HOLDINGS CORP. IFE, EFE, IE MATRICES2
10.1. Internal Factor Evaluation Matrix
10.2. External Factor Evaluation Matrix
10.3. Internal External Matrix
11. COMPUCREDIT HOLDINGS CORP. PORTER FIVE FORCES ANALYSIS2
12. COMPUCREDIT HOLDINGS CORP. VRIO ANALYSIS2
APPENDIX: RATIO DEFINITIONS
LIST OF FIGURES
CompuCredit Holdings Corp. Annual Revenues in Comparison with Cost of Goods Sold and Gross Profit
Profit Margin Chart
Operating Margin Chart
Return on Equity (ROE) Chart
Return on Assets (ROA) Chart
Debt to Equity Chart
Current Ratio Chart
CompuCredit Holdings Corp. 1-year Stock Charts
CompuCredit Holdings Corp. 5-year Stock Charts
CompuCredit Holdings Corp. vs. Main Indexes 1-year Stock Chart
CompuCredit Holdings Corp. vs. Direct Competitors 1-year Stock Charts
CompuCredit Holdings Corp. Article Density Chart
1 – Data availability depends on company’s security policy.
2 – These sections are available only when you purchase a report with appropriate additional types of analyses.
The complete financial data is available for publicly traded companies.
CompuCredit Holdings Corp. Key Facts
Profitability
Management Effectiveness
Income Statement Key Figures
Balance Sheet Key Figures
Cash Flow Statement Key Figures
Financial Performance Abbreviation Guide
CompuCredit Holdings Corp. Key Executives
CompuCredit Holdings Corp. Major Shareholders
CompuCredit Holdings Corp. History
CompuCredit Holdings Corp. Products
Revenues by Segment
Revenues by Region
CompuCredit Holdings Corp. Offices and Representations
CompuCredit Holdings Corp. SWOT Analysis
Yearly Income Statement Including Trends
Income Statement Latest 4 Quarters Including Trends
Yearly Balance Sheet Including Trends
Balance Sheet Latest 4 Quarters Including Trends
Yearly Cash Flow Including Trends
Cash Flow Latest 4 Quarters Including Trends
CompuCredit Holdings Corp. Profitability Ratios
Margin Analysis Ratios
Asset Turnover Ratios
Credit Ratios
Long-Term Solvency Ratios
Financial Ratios Growth Over Prior Year
CompuCredit Holdings Corp. Capital Market Snapshot
CompuCredit Holdings Corp. Direct Competitors Key Facts
Direct Competitors Profitability Ratios
Direct Competitors Margin Analysis Ratios
Direct Competitors Asset Turnover Ratios
Direct Competitors Credit Ratios
Direct Competitors Long-Term Solvency Ratios
Industry Statistics
CompuCredit Holdings Corp. Industry Position
Company vs. Industry Income Statement Analysis
Company vs. Industry Balance Sheet Analysis
Company vs. Industry Cash Flow Analysis
Company vs. Industry Ratios Comparison
CompuCredit Holdings Corp. Consensus Recommendations1
Analyst Recommendation Summary1
Price Target Summary1
Experts Recommendation Trends1
Revenue Estimates Analysis1
Earnings Estimates Analysis1
Historical Surprises1
Revenue Estimates Trend1
Earnings Estimates Trend1
Revenue Revisions1
SWOT Analysis
SWOT, which stands for Strengths, Weaknesses, Opportunities and Threats, is an analytical framework that identifies the internal and external factors that are favorable and unfavorable for a company.
Enhanced SWOT Analysis
Enhanced SWOT is a 3×3 grid that arranges strengths, weaknesses, opportunities and threats into one scheme:
- How to use the strengths to take advantage of the opportunities?
- How to use the strengths to reduce likelihood and impact of the threats?
- How to overcome the weaknesses that obstruct taking advantage of the opportunities?
- How to overcome the weaknesses that can make the threats a reality?
Upon answering these questions a company can develop a project plan to improve its business performance.
PESTEL Analysis
PESTEL (also termed as PESTLE) is an ideal tool to strategically analyze what influence different outside factors – political, economic, sociocultural, technological, environmental and legal – exert on a business to later chart its long term targets.
Being part of the external analysis when carrying out a strategic assessment or performing a market study, PESTEL gives an overview of diverse macro-environmental factors that any company should thoughtfully consider. By perceiving these outside environments, businesses can maximally benefit from the opportunities while minimizing the threats to the organization.
Key Factors Examined by PESTEL Analysis:
- Political – What opportunities and pressures are brought by political bodies and what is the degree of public regulations’ impact on the business?
- Economic – What economic policies, trends and structures are expected to affect the organization, what is this influence’s degree?
- Sociological – What cultural and societal aspects will work upon the demand for the business’s products and operations?
- Technological – What impact do the technological aspects, innovations, incentives and barriers have on the organization?
- Environmental – What environmental and ecological facets, both locally and farther afield, are likely to predetermine the business?
- Legal – What laws and legislation will exert influence on the style the business is carried out?
IFE, EFE, IE Matrices
The Internal Factor Evaluation matrix (IFE matrix) is a strategic management tool helping audit or evaluate major weaknesses and strengths in a business’s functional areas. In addition, IFE matrix serves as a basis for identifying and assessing relationships amongst those areas. The IFE matrix is utilised in strategy formulation.
The External Factor Evaluation matrix (EFE matrix) is a tool of strategic management that is typically utilised to assess current market conditions. It is an ideal instrument for visualising and prioritising the threats and opportunities a firm is facing.
The essential difference between the above mentioned matrices lies in the type of factors incorporated in the model; whilst the latter is engaged in internal factors, the former deals exceptionally with external factors – those exposed to social, political, economic, legal, etc. external forces.
Being a continuation of the EFE matrix and IFE matrix models, the Internal External matrix (IE matrix) rests upon an investigation of external and internal business factors integrated into one suggestive model.
Porter Five Forces Analysis
The Porter’s five forces analysis studies the industry of operation and helps the company find new sources of competitive advantage. The analysis surveys an industry through five major questions:
- What composes a threat of substitute products and services?
- Is there a threat of new competitors entering the market?
- What is the intensity of competitive rivalry?
- How big is the bargaining power of buyers?
- How significant is the bargaining power of suppliers?
VRIO Analysis
VRIO stands for Value, Rarity, Imitability, Organization. This analysis helps to evaluate all company’s resources and capabilities and bring them together into one aggregate table that includes:
- Tangible resources
- Financial
- Physical
- Technological
- Organizational
- Intangible resources
- Human
- Innovation and Creativity
- Reputation
- Organizational capabilities
The result of the analysis gives a clear picture of company’s competitive and economic implications, answering the questions if the resources mentioned above are:
- Valuable?
- Rare?
- Costly to imitate?
- Organized properly?
