ECN Capital Corp

Chart & Performance

D1W1MN

Profile

ECN Capital Corp. originates, manages, and advises on prime consumer credit portfolios in North America. It operates through Secured Consumer Loans - Triad Financial Services and Source One; and Consumer Credit Card and Related Unsecured Consumer Loans - KG segments. The company provides secured consumer loan portfolios, including manufactured home, marine, and recreational vehicle loans; and consumer credit card portfolios that are focused on co-branded credit cards and related financial products. It serves banks, credit unions, life insurance companies, and pension and investment funds. The company was incorporated in 2016 and is headquartered in Toronto, Canada.

URL

https://www.ecncapitalcorp.com/

IPO date

Sep 28, 2016

Employees

590

Domiciled in

Incorporated in

Valuation

Order:

Title USD in thousands, except ratios and share amounts	FY	FY	FY	FY	FY	FY	FY	FY	FY	FY
Title USD in thousands, except ratios and share amounts	2023‑12	2022‑12	2021‑12	2020‑12	2019‑12	2018‑12	2017‑12	2016‑12	2015‑12	2014‑12
Income
Revenues	79,482 -59.59%	196,671 -8.68%	215,368 -19.25%
Cost of revenue	200,695	159,557	175,376
Unusual Expense (Income)
NOPBT	(121,213)	37,114	39,992
NOPBT Margin		18.87%	18.57%
Operating Taxes	5,127	10,538	545
Tax Rate		28.39%	1.36%
NOPAT	(126,340)	26,576	39,447
Net income	(106,777) -1,688.94%	6,720 35.24%	4,969 -68.60%
Dividends	(13,740)	(12,539)	(1,456,198)
Dividend yield	1.80%	1.82%	108.87%
Proceeds from repurchase of equity	70,681	(4,274)	(95,884)
BB yield	-9.25%	0.62%	7.17%
Debt
Debt current
Long-term debt	934,799	1,029,098	274,597
Deferred revenue
Other long-term liabilities	100,212	136,314	139,128
Net debt	900,456	1,004,677	209,841
Cash flow
Cash from operating activities	(26,033)	(869,267)	139,732
CAPEX	(19,407)	(42,930)	(7,970)
Cash from investing activities	43,385	116,248	(79,832)
Cash from financing activities	(6,794)	721,072	(1,834,321)
FCF	750,792	(889,904)	848,358
Balance
Cash	23,239	12,715	45,041
Long term investments	11,104	11,706	19,715
Excess cash	30,369	14,587	53,988
Stockholders' equity	127,536	114,662	140,987
Invested Capital	1,197,030	1,323,400	284,741
ROIC		3.31%	3.54%
ROCE		2.77%	11.81%
EV
Common stock shares outstanding	254,702	247,509	250,474
Price	3.00 7.91%	2.78 -47.94%	5.34 -17.47%
Market cap	764,105 11.05%	688,074 -48.56%	1,337,530 -16.30%
EV	1,788,573	1,759,803	1,614,423
EBITDA	(106,388)	50,058	67,539
EV/EBITDA		35.16	23.90
Interest		4,653
Interest/NOPBT		12.54%