Old Market Capital Corp - Understand $omcc stock

$OMCC Market Cap: $45.19 Million

Research Board Inbox Deep Research Not Interested Shortlisted

Financial Snapshot

Revenue

$8.432M

TTM

Gross Margin

Net Earnings

-$15.40M

TTM

Current Assets

$32.54M

Q3 2024

Current Liabilities

$3.182M

Q3 2024

Current Ratio

1022.47%

Q3 2024

Total Assets

$80.28M

Q3 2024

Total Liabilities

$8.331M

Q3 2024

Book Value

$71.95M

Q3 2024

Cash

$29.48M

Q3 2024

P/E

-2.935

Nov 29, 2024 EST

Free Cash Flow

-$806.0K

TTM

Revenues

Revenue YoY Change

Revenues

Concept	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995
Revenue		$44.34M	$49.78M	$56.02M	$62.10M	$71.30M	$83.92M	$90.47M	$90.71M	$86.79M	$82.63M	$82.11M	$80.52M	$73.72M	$65.64M	$62.21M	$50.08M	$46.71M	$42.68M	$32.83M	$25.50M	$22.38M	$20.22M	$17.80M	$14.07M	$10.42M	$7.940M	$6.210M	$5.830M	$4.120M
YoY Change		-10.93%	-11.14%	-9.79%	-12.9%	-15.04%	-7.24%	-0.26%	4.52%	5.03%	0.63%	1.97%	9.22%	12.31%	5.51%	24.22%	7.21%	9.44%	30.0%	28.75%	13.94%	10.68%	13.6%	26.51%	35.03%	31.23%	27.86%	6.52%	41.5%

Expenses

Cost Of Revenues

Gross Profit

Gross Profit Margin

Gross Profit

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995
Revenue	$44.34M	$49.78M	$56.02M	$62.10M	$71.30M	$83.92M	$90.47M	$90.71M	$86.79M	$82.63M	$82.11M	$80.52M	$73.72M	$65.64M	$62.21M	$50.08M	$46.71M	$42.68M	$32.83M	$25.50M	$22.38M	$20.22M	$17.80M	$14.07M	$10.42M	$7.940M	$6.210M	$5.830M	$4.120M
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

Research & Development

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

R&D To Gross Profit Ratio

DDA To Gross Profit Ratio

Operating Expenses Total

Operating Profits/Loss

Operational Expenses

Concept	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995
Selling, General & Admin		$32.05M	$13.95M	$12.52M	$14.94M	$14.17M	$12.81M	$35.06M	$34.84M	$33.62M	$33.83M	$30.32M	$26.81M	$25.43M	$14.38M	$13.35M	$20.09M	$18.43M	$17.01M	$13.41M	$10.78M	$9.120M	$7.870M	$6.800M	$5.620M	$4.320M	$3.320M	$2.640M	$2.540M	$1.730M
YoY Change		129.7%	11.46%	-16.22%	5.44%	10.59%	-63.45%	0.63%	3.63%	-0.62%	11.58%	13.09%	5.43%	76.84%	7.72%	-33.55%	9.01%	8.35%	26.85%	24.4%	18.2%	15.88%	15.74%	21.0%	30.09%	30.12%	25.76%	3.94%	46.82%
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization	$81.00K	$390.0K	$401.0K	$244.0K	$400.0K	$380.0K	$470.0K	$490.0K	$460.0K	$370.0K	$320.0K	$280.0K	$290.0K	$270.0K	$320.0K	$360.0K	$350.0K	$360.0K	$340.0K	$220.0K	$210.0K	$190.0K	$190.0K	$150.0K	$90.00K	$90.00K	$80.00K	$100.0K	$110.0K	$190.0K
YoY Change	-79.23%	-2.74%	64.34%	-39.0%	5.26%	-19.15%	-4.08%	6.52%	24.32%	15.63%	14.29%	-3.45%	7.41%	-15.63%	-11.11%	2.86%	-2.78%	5.88%	54.55%	4.76%	10.53%	0.0%	26.67%	66.67%	0.0%	12.5%	-20.0%	-9.09%	-42.11%
% of Gross Profit
Operating Expenses	$15.52M	$32.05M	$13.95M	$12.52M	$14.94M	$14.17M	$12.81M	$72.73M	$61.57M	$54.36M	$49.12M	$43.99M	$39.48M	$41.33M	$43.94M	$47.83M	$28.21M	$22.43M	$21.31M	$16.09M	$13.26M	$11.60M	$10.05M	$8.510M	$6.870M	$5.450M	$4.360M	$3.260M	$3.250M	$2.330M
YoY Change	-51.57%	129.7%	11.46%	-16.22%	5.44%	10.59%	-82.38%	18.13%	13.26%	10.67%	11.66%	11.42%	-4.48%	-5.94%	-8.13%	69.55%	25.77%	5.26%	32.44%	21.34%	14.31%	15.42%	18.1%	23.87%	26.06%	25.0%	33.74%	0.31%	39.48%
Operating Profit
YoY Change

Interest Expenses

Interest Expenses To Operating Income %

Other Expense/Income

Interest & Other Expense/Income

Concept	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995
Interest Expense	$929.0K	$3.931M	$5.366M	$5.980M	$8.515M	$9.504M	$10.14M	-$9.000M	-$9.030M	-$6.330M	-$4.990M	-$5.630M	-$4.890M	-$5.100M	-$4.130M	-$6.910M	-$6.310M	-$5.540M	-$4.330M	-$3.630M	-$3.850M	-$3.940M	-$3.900M	-$3.760M	-$2.770M	-$2.360M	-$2.080M	-$1.660M	-$1.520M	-$900.0K
YoY Change	-76.37%	-26.74%	-10.27%	-29.77%	-10.41%	-6.24%	-212.63%	-0.33%	42.65%	26.85%	-11.37%	15.13%	-4.12%	23.49%	-40.23%	9.51%	13.9%	27.94%	19.28%	-5.71%	-2.28%	1.03%	3.72%	35.74%	17.37%	13.46%	25.3%	9.21%	68.89%
% of Operating Profit
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995
Pretax Income	-$20.80M	-$32.70M	$4.046M	$10.95M	$2.247M	-$4.588M	$3.163M	$8.740M	$20.11M	$26.10M	$28.52M	$32.49M	$36.15M	$27.29M	$17.57M	$7.470M	$15.57M	$18.74M	$17.04M	$13.11M	$8.390M	$6.840M	$6.270M	$5.530M	$4.430M	$2.610M	$1.500M	$1.290M	$1.060M	$890.0K
YoY Change	-36.39%	-908.26%	-63.04%	387.14%	-148.98%	-245.05%	-63.81%	-56.54%	-22.95%	-8.49%	-12.22%	-10.12%	32.47%	55.32%	135.21%	-52.02%	-16.92%	9.98%	29.98%	56.26%	22.66%	9.09%	13.38%	24.83%	69.73%	74.0%	16.28%	21.7%	19.1%
Income Tax	$0.00	$1.417M	$1.048M	$2.595M	-$1.219M	-$940.0K	$4.261M	$3.330M	$7.730M	$9.240M	$11.81M	$12.55M	$13.93M	$10.52M	$6.760M	$2.800M	$5.890M	$7.160M	$6.480M	$5.030M	$3.180M	$2.560M	$2.340M	$2.120M	$1.850M	$1.000M	$580.0K	$500.0K	$400.0K	$340.0K
% Of Pretax Income			25.9%	23.71%	-54.25%		134.71%	38.1%	38.44%	35.4%	41.41%	38.63%	38.53%	38.55%	38.47%	37.48%	37.83%	38.21%	38.03%	38.37%	37.9%	37.43%	37.32%	38.34%	41.76%	38.31%	38.67%	38.76%	37.74%	38.2%
Net Earnings	-$20.80M	-$34.12M	$2.998M	$8.351M	$3.466M	-$3.648M	-$1.098M	$5.410M	$12.38M	$16.86M	$16.70M	$19.94M	$22.22M	$16.77M	$10.82M	$4.670M	$9.670M	$11.58M	$10.56M	$8.080M	$5.210M	$4.280M	$3.930M	$3.410M	$2.580M	$1.600M	$910.0K	$790.0K	$660.0K	$620.0K
YoY Change	-39.03%	-1238.06%	-64.1%	140.94%	-195.01%	232.24%	-120.3%	-56.3%	-26.57%	0.96%	-16.25%	-10.26%	32.5%	54.99%	131.69%	-51.71%	-16.49%	9.66%	30.69%	55.09%	21.73%	8.91%	15.25%	32.17%	61.25%	75.82%	15.19%	19.7%	6.45%
Net Earnings / Revenue		-76.96%	6.02%	14.91%	5.58%	-5.12%	-1.31%	5.98%	13.65%	19.43%	20.21%	24.28%	27.6%	22.75%	16.48%	7.51%	19.31%	24.79%	24.74%	24.61%	20.43%	19.12%	19.44%	19.16%	18.34%	15.36%	11.46%	12.72%	11.32%	15.05%
Basic Earnings Per Share	-$2.86	-$4.65	$0.39	$1.09	$0.45	-$0.46	-$0.14
Diluted Earnings Per Share	-$2.86	-$4.65	$0.39	$1.09	$0.45	-$0.46	-$0.14	$699.9K	$1.610M	$1.383M	$1.354M	$1.632M	$1.847M	$1.410M	$925.6K	$408.2K	$853.5K	$1.023M	$916.7K	$728.6K	$582.8K	$489.7K	$452.2K	$402.1K	$294.2K	$184.8K	$114.0K	$107.9K	$95.24K	$91.58K

Assets & Liabilities

Cash & Short-Term Investments

Cash & Equivalents

Cash To Operating Expenses Ratio

Inventory

Receivables

Total Short-Term Assets

Property, Plant And Equipment

Long-Term Investments

Total Long-Term Assets

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995
Cash & Short-Term Investments	$454.0K	$4.775M	$22.02M	$16.80M	$35.60M	$2.600M	$2.900M	$1.800M	$3.400M	$2.600M	$2.800M	$2.800M	$2.000M	$1.500M	$1.700M	$2.300M	$1.500M	$1.700M	$900.0K	$1.000M	$500.0K	$100.0K	$300.0K	$300.0K	$500.0K	$300.0K	$100.0K	$500.0K	$300.0K
YoY Change	-90.49%	-78.32%	31.08%	-52.81%	1269.23%	-10.34%	61.11%	-47.06%	30.77%	-7.14%	0.0%	40.0%	33.33%	-11.76%	-26.09%	53.33%	-11.76%	88.89%	-10.0%	100.0%	400.0%	-66.67%	0.0%	-40.0%	66.67%	200.0%	-80.0%	66.67%
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets	$140.0K	$1.103M	$1.271M	$1.100M	$1.400M	$900.0K	$700.0K	$1.000M	$1.100M	$900.0K	$700.0K	$800.0K	$700.0K	$800.0K	$700.0K	$700.0K	$600.0K	$600.0K	$500.0K	$600.0K	$300.0K	$300.0K	$500.0K	$400.0K	$300.0K	$200.0K	$400.0K	$300.0K	$200.0K
YoY Change	-87.31%	-13.22%	15.55%	-21.43%	55.56%	28.57%	-30.0%	-9.09%	22.22%	28.57%	-12.5%	14.29%	-12.5%	14.29%	0.0%	16.67%	0.0%	20.0%	-16.67%	100.0%	0.0%	-40.0%	25.0%	33.33%	50.0%	-50.0%	33.33%	50.0%
Inventory
Prepaid Expenses
Receivables											$243.3M	$236.7M	$230.2M	$202.4M	$186.7M	$179.0M	$164.4M	$140.2M	$113.7M	$97.20M	$86.20M	$76.10M	$65.10M	$52.00M	$39.90M	$32.40M	$26.00M	$18.40M	$12.80M
Other Receivables											$6.600M	$5.100M	$0.00	$0.00	$0.00	$700.0K	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Total Short-Term Assets	$1.540M	$6.867M	$23.95M	$22.80M	$38.70M	$5.000M	$4.300M	$3.400M	$12.50M	$12.40M	$253.4M	$245.4M	$232.9M	$204.7M	$189.1M	$182.7M	$166.5M	$142.5M	$115.1M	$98.80M	$87.00M	$76.50M	$65.90M	$52.70M	$40.70M	$32.90M	$26.50M	$19.20M	$13.30M
YoY Change	-77.57%	-71.32%	5.03%	-41.09%	674.0%	16.28%	26.47%	-72.8%	0.81%	-95.11%	3.26%	5.37%	13.78%	8.25%	3.5%	9.73%	16.84%	23.81%	16.5%	13.56%	13.73%	16.08%	25.05%	29.48%	23.71%	24.15%	38.02%	44.36%
Property, Plant & Equipment	$398.0K	$6.060M	$4.251M	$3.100M	$700.0K	$800.0K	$1.200M	$1.300M	$900.0K	$900.0K	$700.0K	$800.0K	$800.0K	$700.0K	$800.0K	$800.0K	$1.000M	$900.0K	$800.0K	$600.0K	$500.0K	$400.0K	$300.0K	$300.0K	$200.0K	$200.0K	$200.0K	$200.0K	$200.0K
YoY Change	-93.43%	42.55%	37.13%	342.86%	-12.5%	-33.33%	-7.69%	44.44%	0.0%	28.57%	-12.5%	0.0%	14.29%	-12.5%	0.0%	-20.0%	11.11%	12.5%	33.33%	20.0%	25.0%	33.33%	0.0%	50.0%	0.0%	0.0%	0.0%	0.0%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments																	$700.0K	$1.600M	$700.0K
YoY Change																	-56.25%	128.57%
Other Assets	$1.491M	$2.043M	$13.92M	$13.10M	$11.10M	$8.400M	$11.00M	$8.800M	$8.100M	$8.400M	$9.600M	$10.50M	$10.00M	$8.700M	$7.900M	$6.300M	$4.900M	$4.500M	$4.200M	$3.800M	$2.600M	$1.200M	$1.100M	$1.100M	$1.300M	$1.000M	$400.0K	$500.0K	$300.0K
YoY Change	-27.02%	-85.33%	6.28%	18.02%	32.14%	-23.64%	25.0%	8.64%	-3.57%	-12.5%	-8.57%	5.0%	14.94%	10.13%	25.4%	28.57%	8.89%	7.14%	10.53%	46.15%	116.67%	9.09%	0.0%	-15.38%	30.0%	150.0%	-20.0%	66.67%
Total Long-Term Assets	$108.8M	$176.7M	$188.5M	$216.0M	$213.7M	$275.9M	$329.3M	$321.9M	$290.0M	$271.0M	$10.40M	$11.20M	$10.70M	$9.400M	$8.700M	$7.100M	$6.500M	$7.000M	$5.700M	$4.400M	$3.000M	$1.400M	$1.400M	$1.400M	$1.600M	$1.300M	$500.0K	$600.0K	$600.0K
YoY Change	-38.42%	-6.25%	-12.74%	1.08%	-22.54%	-16.22%	2.3%	11.0%	7.01%	2505.77%	-7.14%	4.67%	13.83%	8.05%	22.54%	9.23%	-7.14%	22.81%	29.55%	46.67%	114.29%	0.0%	0.0%	-12.5%	23.08%	160.0%	-16.67%	0.0%
Total Assets	$110.3M	$183.6M	$212.4M	$238.8M	$252.4M	$280.9M	$333.6M	$325.3M	$302.5M	$283.4M	$263.8M	$256.6M	$243.6M	$214.1M	$197.8M	$189.8M	$173.0M	$149.5M	$120.8M	$103.2M	$90.00M	$77.90M	$67.30M	$54.10M	$42.30M	$34.20M	$27.00M	$19.80M	$13.90M
YoY Change
Accounts Payable	$1.427M	$4.717M	$4.451M	$4.300M	$3.600M	$5.000M	$5.900M	$5.800M	$7.800M	$8.900M	$7.400M	$6.600M	$7.200M	$6.100M	$5.600M	$5.800M	$6.200M	$6.100M	$4.900M	$3.800M	$3.100M	$3.400M	$3.000M	$2.700M	$1.700M	$1.700M	$1.300M	$900.0K	$800.0K
YoY Change	-69.75%	5.98%	3.51%	19.44%	-28.0%	-15.25%	1.72%	-25.64%	-12.36%	20.27%	12.12%	-8.33%	18.03%	8.93%	-3.45%	-6.45%	1.64%	24.49%	28.95%	22.58%	-8.82%	13.33%	11.11%	58.82%	0.0%	30.77%	44.44%	12.5%
Accrued Expenses	$176.0K	$4.410M	$3.367M	$2.700M
YoY Change	-96.01%	30.98%	24.7%
Deferred Revenue
YoY Change
Short-Term Debt	$0.00	$3.244M	$3.244M	$0.00	$1.300M	$1.700M	$1.900M	$1.500M	$2.500M	$2.300M	$2.100M	$1.600M	$1.900M	$900.0K	$1.000M	$1.400M	$1.300M	$1.000M	$1.000M	$900.0K	$700.0K	$400.0K	$400.0K	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
YoY Change	-100.0%	0.0%		-100.0%	-23.53%	-10.53%	26.67%	-40.0%	8.7%	9.52%	31.25%	-15.79%	111.11%	-10.0%	-28.57%	7.69%	30.0%	0.0%	11.11%	28.57%	75.0%	0.0%
Long-Term Debt Due		$3.244M		$0.00	$0.00
YoY Change
Total Short-Term Liabilities	$1.603M	$12.37M	$11.06M	$7.000M	$4.900M	$6.700M	$7.800M	$7.300M	$10.30M	$11.20M	$9.500M	$8.200M	$9.300M	$7.400M	$6.800M	$7.200M	$7.700M	$7.300M	$6.400M	$4.800M	$3.900M	$3.900M	$3.500M	$2.700M	$1.700M	$1.900M	$1.400M	$1.000M	$900.0K
YoY Change	-87.04%	11.83%	58.03%	42.86%	-26.87%	-14.1%	6.85%	-29.13%	-8.04%	17.89%	15.85%	-11.83%	25.68%	8.82%	-5.56%	-6.49%	5.48%	14.06%	33.33%	23.08%	0.0%	11.43%	29.63%	58.82%	-10.53%	35.71%	40.0%	11.11%
Long-Term Debt	$28.94M	$54.81M	$86.15M	$126.8M	$145.0M	$165.8M	$213.0M	$211.0M	$199.0M	$127.9M	$125.5M	$112.0M	$118.0M	$107.3M	$102.0M	$99.90M	$94.00M	$82.40M	$66.30M	$68.20M	$61.00M	$53.80M	$48.80M	$39.70M	$31.60M	$25.00M	$19.40M	$15.40M	$10.30M
YoY Change	-47.21%	-36.38%	-32.06%	-12.55%	-12.55%	-22.16%	0.95%	6.03%	55.59%	1.91%	12.05%	-5.08%	9.97%	5.2%	2.1%	6.28%	14.08%	24.28%	-2.79%	11.8%	13.38%	10.25%	22.92%	25.63%	26.4%	28.87%	25.97%	49.51%
Other Long-Term Liabilities				-$2.600M	-$2.400M		$4.000M	$4.100M	$3.300M	$2.300M	$1.900M	$1.100M	$1.100M	$1.900M	$4.000M	$4.100M	$1.500M	$1.600M	$1.400M	$2.800M	$3.100M	$1.800M	$600.0K	$500.0K	$400.0K	$300.0K	$200.0K	$200.0K	$300.0K
YoY Change				8.33%			-2.44%	24.24%	43.48%	21.05%	72.73%	0.0%	-42.11%	-52.5%	-2.44%	173.33%	-6.25%	14.29%	-50.0%	-9.68%	72.22%	200.0%	20.0%	25.0%	33.33%	50.0%	0.0%	-33.33%
Total Long-Term Liabilities	$28.94M	$54.81M	$86.15M	$124.2M	$142.6M	$165.8M	$217.0M	$215.1M	$202.3M	$130.2M	$127.4M	$113.1M	$119.1M	$109.2M	$106.0M	$104.0M	$95.50M	$84.00M	$67.70M	$71.00M	$64.10M	$55.60M	$49.40M	$40.20M	$32.00M	$25.30M	$19.60M	$15.60M	$10.60M
YoY Change	-47.21%	-36.38%	-30.63%	-12.9%	-13.99%	-23.59%	0.88%	6.33%	55.38%	2.2%	12.64%	-5.04%	9.07%	3.02%	1.92%	8.9%	13.69%	24.08%	-4.65%	10.76%	15.29%	12.55%	22.89%	25.63%	26.48%	29.08%	25.64%	47.17%
Total Liabilities	$30.54M	$67.18M	$97.22M	$131.2M	$147.5M	$172.4M	$224.8M	$222.5M	$212.6M	$141.5M	$136.9M	$121.3M	$128.4M	$116.7M	$112.8M	$111.3M	$103.2M	$91.20M	$74.10M	$75.80M	$67.90M	$59.50M	$52.90M	$43.00M	$33.70M	$27.20M	$21.00M	$16.50M	$11.60M
YoY Change	-54.54%	-30.89%	-25.9%	-11.05%	-14.44%	-23.31%	1.03%	4.66%	50.25%	3.36%	12.86%	-5.53%	10.03%	3.46%	1.35%	7.85%	13.16%	23.08%	-2.24%	11.63%	14.12%	12.48%	23.02%	27.6%	23.9%	29.52%	27.27%	42.24%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Concept	2024	2023	2022	2021	2020	2019	2018
Basic Shares Outstanding	7.283M	7.330M	7.572M	7.626M	7.702M	7.861M	7.819M
Diluted Shares Outstanding	7.283M	7.330M	7.572M	7.626M	7.703M	7.861M	7.819M
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Stock Price

Market Cap: $45.187 Million

About OLD MARKET CAPITAL Corp

Nicholas Financial Inc is a US-based company operating in Consumer Finance industry. The company is headquartered in Clearwater, Florida and currently employs 16 full-time employees. Nicholas Financial, Inc. is a consumer finance company. The firm focuses on financing primary transportation to and from work for the subprime borrower through the local independent automobile dealership. The company finances the main and often only vehicle in the household that is needed to get its customers to and from work. The Company, through Amplex Electric, Inc., provides rural broadband services to business and residential customers.

Industry: Short-Term Business Credit Institutions Peers: AMERICAN EXPRESS CO CURO Group Holdings Corp. Elevate Credit, Inc. Katapult Holdings, Inc. MEDALLION FINANCIAL CORP Oportun Financial Corp