QC Holdings, Inc. (QCCO)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
QC Holdings, Inc. (QCCO) trades at $1.92 with AI Score 49/100 (Grade C). QC Holdings, Inc. Market cap: $33.36M, Sector: Financial services.
Price live · AI analysis from Jun 15, 2026Analyst Coverage for QCCO: QCCO does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates QCCO against Financial Services peers across nine fundamental dimensions and assigns an underweight signal based on the underlying data.
QCCO: the 1 perspectives are evenly split.
How is this calculated? →QC Holdings, Inc. (QCCO) Financial Services Profile
QC Holdings, Inc. is a financial services provider operating 250 retail locations and an online platform across the US and Canada. The company specializes in installment, deferred deposit, and title-collateralized loans, alongside check cashing, bill pay, and prepaid card services, catering to consumers and small businesses.
What Is the Investment Thesis for QCCO?
QC Holdings, Inc. operates within the consumer and small business financial services sector, leveraging a hybrid model of 250 physical retail locations and an online lending platform (310-LOAN brand) across the US and Canada. The company's broad service portfolio, encompassing installment, deferred deposit, and title-collateralized loans, alongside check cashing and prepaid card services, positions it to address diverse financial needs. With a market capitalization of $33.36M and a gross margin of 90.4%, the company demonstrates efficiency in its core service delivery. However, a profit margin of -4.1% indicates operational challenges or significant investment phases. The low beta of 0.35 suggests relatively stable stock performance compared to the broader market. Potential value drivers include enhancing operational efficiencies to improve profitability, expanding its online lending presence to capture a larger digital market share, and strategically diversifying its small business financing solutions. The company's established physical footprint provides a stable base, while its digital initiatives offer avenues for future growth, contingent on effective risk management and market penetration strategies.
Based on FMP financials and quantitative analysis
QCCO Key Highlights
- Market Capitalization stands at $0.03 billion, reflecting its position as a small-cap entity within the financial services sector.
- Gross Margin of 90.4% indicates strong profitability on its core services, suggesting efficient revenue generation from its financial products.
- Profit Margin is -4.1%, highlighting current operational challenges or significant reinvestment efforts impacting overall profitability.
- Beta of 0.35 suggests lower volatility compared to the broader market, potentially appealing to investors seeking relative stability.
- The company operates 250 retail locations across the United States, providing a substantial physical presence for customer engagement and service delivery.
Who Are QCCO's Competitors?
QCCO is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| MCHB Mechanics Bank | $16.24 | +0.50% | $3.58B | 71 |
| STLE Steele Bancorp Inc. | $43.05 | -0.67% | $80.01M | 69 |
| NASB NASB Financial, Inc. | $40.30 | +0.00% | $289.22M | 68 |
| CIBEY Commercial International Bank (Egypt) S.A.E | $2.63 | +3.54% | $8.68B | 67 |
| BUSE First Busey Corporation | $29.58 | -0.25% | $2.50B | 63 |
| CVLY Codorus Valley Bancorp, Inc. | $24.04 | +4.98% | $232.28M | 63 |
| FBVI FCN Banc Corp. | $35.87 | +0.17% | $61.78M | 63 |
| LLDTF Lloyds Banking Group plc | $1.45 | +0.00% | $84.34B | 63 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are QCCO's Key Strengths?
- Extensive network of 250 retail locations provides broad physical access and customer touchpoints.
- Diversified financial services portfolio, including various loan types, check cashing, and small business financing.
- Established online lending presence through the 310-LOAN brand, catering to digital consumers.
- High gross margin of 90.4% on core services indicates efficient revenue generation.
What Are QCCO's Weaknesses?
- Negative profit margin of -4.1% suggests challenges in overall profitability and cost management.
- Reliance on a niche market of consumers and small businesses, which can be sensitive to economic downturns.
- Operating in a highly regulated sector, which can lead to compliance costs and operational restrictions.
- Disclosure status on OTC market is 'Unknown', potentially limiting investor transparency.
What Could Drive QCCO Stock Higher?
- Expansion of online lending services under the 310-LOAN brand, potentially increasing market reach and customer acquisition efficiency.
- Strategic initiatives to enhance operational efficiency and cost management, aiming to improve the current negative profit margin of -4.1%.
- Potential introduction of new financial products or services tailored to evolving consumer and small business needs, diversifying revenue streams.
- Adaptation to and compliance with new financial regulations, which could stabilize the operating environment and reduce regulatory uncertainty.
- Targeted geographic expansion of retail locations or online service availability into new underserved markets.
What Are the Key Risks for QCCO?
- Negative return on equity (-31.1%) — the business is not currently generating profit on shareholder capital.
- Regulatory changes and increased scrutiny in the alternative financial services sector could impose higher compliance costs or restrict operations.
- Credit risk associated with its loan portfolio, particularly installment, deferred deposit, and title-collateralized loans, which could increase during economic downturns.
- Intense competition from traditional banks, credit unions, and rapidly growing fintech companies, potentially impacting market share and pricing power.
- Operational risks related to managing a network of 250 physical locations and an online platform, including technology failures or security breaches.
- The 'Unknown' disclosure status on the OTC market may deter institutional investment and limit access to capital, impacting growth initiatives.
What Are the Growth Opportunities for QCCO?
- **Expansion of Online Lending Platform (310-LOAN Brand):** The digital lending market continues to exhibit robust growth, driven by consumer demand for convenient, accessible financial solutions. QC Holdings' 310-LOAN brand provides a direct avenue to capitalize on this trend. By investing in enhanced digital marketing, user experience, and streamlined application processes, the company can expand its reach beyond its physical footprint. The global digital lending platform market size was valued at approximately $10.7 billion in 2022 and is projected to grow significantly, offering substantial opportunities for companies with established online presence. Focusing on this segment could improve market share and operational efficiency over a 3-5 year timeline.
- **Strategic Geographic Expansion and Market Penetration:** While QC Holdings operates 250 retail locations in the US and also serves Canada, there may be opportunities for strategic expansion into underserved regions or increasing density in high-demand areas. Identifying new markets with favorable regulatory environments and strong demand for its specific financial products, such as installment or deferred deposit loans, could drive revenue growth. This could involve opening new physical branches or expanding online service availability in new states/provinces. A targeted expansion strategy over the next 2-4 years could leverage existing operational expertise and brand recognition in adjacent markets.
- **Diversification and Enhancement of Financial Product Offerings:** The financial services landscape is constantly evolving, presenting opportunities to introduce new products or enhance existing ones to meet changing customer needs. For example, expanding into new types of secured or unsecured personal loans, offering more robust budgeting tools, or developing loyalty programs could attract and retain customers. Exploring partnerships for specialized financial products could also be a viable strategy. This diversification, particularly in areas like micro-lending or financial literacy tools, could broaden the customer base and increase revenue per customer over a 2-3 year horizon.
- **Growth in Small Business Financing and Factoring Services:** The small business sector often faces challenges in accessing traditional bank financing, creating a demand for alternative solutions like equity-based financing and factoring services. QC Holdings is already positioned in this market. By strengthening its outreach to small businesses, developing tailored financial products, and streamlining the application and approval process, the company can capture a larger share of this market. The global factoring market size was valued at approximately $3.5 trillion in 2022, indicating a substantial market for these services. Focused expansion in this segment over the next 3-5 years could provide a stable and growing revenue stream.
- **Leveraging Technology for Operational Efficiency and Customer Experience:** Implementing advanced analytics, artificial intelligence, and automation across its operations can significantly enhance efficiency, reduce costs, and improve the customer experience. For instance, AI-driven credit scoring models can refine risk assessment, while automated customer service can reduce overhead. Investing in a robust digital infrastructure can also streamline back-office operations and improve data security. Such technological advancements can lead to improved profit margins and a more competitive offering, particularly given the current negative profit margin of -4.1%. This ongoing strategic initiative could yield benefits over the next 1-3 years.
What Opportunities Does QCCO Have?
- Expand online lending capabilities and digital service offerings to capture a larger share of the growing fintech market.
- Strategic geographic expansion into new underserved markets for its financial products.
- Further diversification of small business financing solutions to meet evolving entrepreneurial needs.
- Improve operational efficiency through technology adoption to convert high gross margin into positive net profit.
What Threats Does QCCO Face?
- Increased regulatory scrutiny and potential for more stringent laws impacting alternative financial services.
- Intense competition from traditional banks, credit unions, and rapidly evolving fintech companies.
- Economic downturns or rising interest rates could increase loan defaults and reduce demand for services.
- Reputational risks associated with the high-interest nature of some alternative lending products.
What Are QCCO's Competitive Advantages?
- Established network of 250 physical retail locations provides a broad geographic footprint and localized customer service.
- Diversified product portfolio catering to both consumer and small business needs, reducing reliance on a single service line.
- Hybrid business model combining brick-and-mortar presence with an online lending platform (310-LOAN) offers multi-channel accessibility.
- Experience in navigating the regulatory landscape of alternative financial services across multiple states and Canada.
- Brand recognition within its niche market, built over decades since its founding in 1984.
What Does QCCO Do?
Founded in 1984 and headquartered in Lenexa, Kansas, QC Holdings, Inc. has evolved into a significant provider of financial services for consumers and small businesses throughout the United States and Canada. The company's comprehensive suite of offerings addresses a broad spectrum of financial needs, distinguishing itself through both its physical retail presence and its digital capabilities. At its core, QC Holdings provides various loan products, including installment loans, deferred deposit loans, and title-collateralized loans, designed to offer flexible financing solutions to its clientele. Beyond lending, the company extends its services to include essential transactional offerings such as check cashing, bill payment, wire transfers, and money orders, facilitating everyday financial management for its customers. Furthermore, QC Holdings supports modern payment methods through its debit card and prepaid card services. Recognizing the growing demand for digital financial solutions, the company has strategically expanded into online lending, operating under the 310-LOAN brand, which provides personal loans accessible through digital channels. In addition to consumer-focused services, QC Holdings also caters to the small business segment by offering equity-based financing and factoring services, thereby supporting entrepreneurial growth and operational liquidity. With a robust network of 250 retail locations across the United States, complemented by its online platform, QC Holdings, Inc. maintains a dual-channel approach to service delivery, aiming to maximize accessibility and convenience for its diverse customer base.
What Products and Services Does QCCO Offer?
- Provide installment loans for consumers.
- Offer deferred deposit loans (payday loans) to individuals.
- Facilitate title-collateralized loans, using vehicle titles as security.
- Operate 250 retail locations for in-person financial services.
- Offer online personal loans through the 310-LOAN brand.
- Provide check cashing services.
- Facilitate bill payment services for customers.
- Offer wire transfer and money order services.
- Issue debit cards and prepaid cards.
How Does QCCO Make Money?
- Generate interest income from various loan products, including installment, deferred deposit, and title-collateralized loans.
- Earn fees from transactional services such as check cashing, bill pay, wire transfers, and money orders.
- Derive revenue from the issuance and usage of debit and prepaid cards.
- Provide equity-based financing and factoring services to small businesses, earning fees or interest on these arrangements.
- Utilize a hybrid distribution model, combining physical retail locations with an online lending platform to reach a broad customer base.
What Industry Does QCCO Operate In?
QC Holdings, Inc. operates within the highly competitive and regulated Financial Services sector, specifically categorized under Banks - Regional, though its business model leans more towards alternative financial services for consumers and small businesses. The industry is characterized by evolving consumer preferences towards digital platforms, increasing regulatory scrutiny, and intense competition from traditional banks, credit unions, and a burgeoning fintech sector. QC Holdings' hybrid approach, combining 250 physical retail locations with an online lending platform (310-LOAN brand), allows it to serve both traditional and digitally-inclined customers. The market for installment, deferred deposit, and title-collateralized loans, along with ancillary services like check cashing, remains significant, particularly for segments underserved by conventional banking. The company's ability to navigate regulatory changes, manage credit risk effectively, and adapt to technological advancements will be crucial for its competitive positioning and sustained growth in this dynamic landscape.
Who Are QCCO's Key Customers?
- Consumers seeking short-term and medium-term loan solutions.
- Individuals requiring basic financial services like check cashing and bill payment.
- Customers who may be underserved by traditional banking institutions.
- Small businesses in need of alternative financing options, such as equity-based loans and factoring.
- Individuals seeking convenient access to prepaid and debit card services.
How QC Holdings, Inc. Is Valued
QC Holdings, Inc. carries a market capitalization of $33.36M, placing it in the micro-cap category. Relative to its peer group, QCCO's quantitative score of 49/100 is below the peer average of 68/100.
ROE -31%Key Financial Metrics
Return on equity for QC Holdings, Inc. stands at -31.1%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is -4.8%, showing how much profit it generates from its asset base. A current ratio of 3.75 indicates the company holds enough short-term assets to cover its near-term obligations. Its earnings yield is -22.1%, the inverse of the P/E and a quick read on earnings relative to price.
F-Score 7/9Financial Health
QC Holdings, Inc.'s Piotroski F-Score is 7/9, a 9-point checklist of profitability, leverage and efficiency — signaling solid underlying fundamentals. Its Altman Z-Score of 2.05 places it in the grey zone, a middle ground that warrants monitoring.
QCCO Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2024
Bull Case vs Bear Case
Bull Case
- Extensive network of 250 retail locations provides broad physical access and customer touchpoints.
- Diversified financial services portfolio, including various loan types, check cashing, and small business financing.
- Established online lending presence through the 310-LOAN brand, catering to digital consumers.
- High gross margin of 90.4% on core services indicates efficient revenue generation.
Bear Case
- Negative profit margin of -4.1% suggests challenges in overall profitability and cost management.
- Reliance on a niche market of consumers and small businesses, which can be sensitive to economic downturns.
- Operating in a highly regulated sector, which can lead to compliance costs and operational restrictions.
- Disclosure status on OTC market is 'Unknown', potentially limiting investor transparency.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · July 2026
QCCO Latest News
No recent news available for QCCO.
QCCO Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for QCCO.
Price Targets
Wall Street price target analysis for QCCO.
QCCO MoonshotScore
What does this score mean?
The MoonshotScore rates QCCO's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: Darrin J. Andersen
Chief Executive Officer
Darrin J. Andersen serves as a key leader at QC Holdings, Inc., overseeing the strategic direction and operational management of the company's diverse financial services portfolio. His leadership is instrumental in guiding a workforce of 1270 employees across 250 retail locations and its online platforms. With a career focused on the financial services sector, Mr. Andersen brings experience in navigating the complexities of consumer and small business lending, as well as managing a broad range of transactional services. His background likely encompasses strategic planning, risk management, and operational optimization within a regulated industry.
Track Record: Under Darrin J. Andersen's leadership, QC Holdings, Inc. has continued to operate its extensive network of 250 retail locations while also maintaining its online lending presence through the 310-LOAN brand. His tenure has involved managing the company's diverse service offerings, from installment and deferred deposit loans to small business financing. Mr. Andersen's strategic decisions are focused on sustaining the company's market position and adapting to the evolving landscape of consumer and small business financial needs.
QCCO OTC Market Information
QC Holdings, Inc. trades on the OTC market under the 'OTC Other' tier. This tier typically includes companies that do not meet the disclosure requirements for OTCQX or OTCQB, or choose not to provide financial information to OTC Markets Group. Unlike major exchanges such as NYSE or NASDAQ, which have stringent listing standards regarding financial health, corporate governance, and minimum share price, the OTC market has varying tiers with differing disclosure requirements. 'OTC Other' signifies a lower level of public information availability compared to higher OTC tiers, and significantly less than exchange-listed companies.
- OTC Tier: OTC Other
- Disclosure Status: Unknown
- Lower transparency due to 'Unknown' disclosure status, making it difficult to assess financial health and operations.
- Reduced liquidity and wider bid-ask spreads, potentially leading to difficulty in executing trades at desired prices.
- Limited analyst coverage and institutional interest, which can result in less efficient price discovery.
- Increased susceptibility to fraud and manipulation due to less stringent regulatory oversight compared to major exchanges.
- Potential for delisting or further restrictions if disclosure requirements are not met, impacting tradability.
- Verify the company's latest available financial statements and annual reports directly from their investor relations or SEC filings (if any).
- Research any news or press releases from the company or reputable financial news outlets for recent developments.
- Assess the company's business operations, competitive landscape, and market position independently.
- Examine the management team's background, experience, and track record beyond what is publicly available.
- Understand the regulatory environment specific to their financial services and any potential impacts.
- Evaluate the company's debt levels, cash flow, and ability to generate sustainable profits.
- Consider the potential for limited liquidity and the implications for entry and exit strategies.
- Established founding year in 1984, indicating a long operational history.
- Operates a significant network of 250 physical retail locations in the United States.
- Provides a diverse range of specific financial services, suggesting an active business model.
- Headquartered in Lenexa, Kansas, with a known physical address.
- Known CEO, Darrin J. Andersen, managing 1270 employees, indicating an organized corporate structure.
QCCO Financial Services Stock FAQ
What financial services does QC Holdings, Inc. provide?
QC Holdings, Inc. offers a comprehensive suite of financial services designed for both consumers and small businesses across the United States and Canada. For consumers, the company provides various loan products, including installment loans, deferred deposit loans, and title-collateralized loans. Additionally, it facilitates essential transactional services such as check cashing, bill payment, wire transfers, money orders, and offers debit and prepaid card services. Recognizing the shift towards digital finance, QC Holdings also operates an online lending platform under the 310-LOAN brand, providing accessible personal loans. For small businesses, the company extends equity-based financing and factoring services, supporting their capital and operational needs.
How does QC Holdings, Inc. manage credit risk in its loan portfolio?
While specific details on QC Holdings, Inc.'s credit risk management framework are not provided in the source data, companies operating in the consumer and small business lending space typically employ various strategies. These often include credit underwriting processes to assess borrower eligibility and repayment capacity, diversification of the loan portfolio across different customer segments and loan types, and ongoing monitoring of loan performance. Given its offerings of installment, deferred deposit, and title-collateralized loans, effective risk management would likely involve robust collection practices, adherence to regulatory guidelines, and potentially the use of data analytics to predict and mitigate potential defaults. The company's ability to manage its loan portfolio quality directly impacts its profitability, especially with a reported negative profit margin.
What are the implications of QC Holdings, Inc. trading on the OTC market?
Trading on the OTC market, specifically in the 'OTC Other' tier with an 'Unknown' disclosure status, carries several implications for QC Holdings, Inc. and its investors. This tier generally signifies less stringent reporting requirements compared to major exchanges or even higher OTC tiers, resulting in limited public financial information. This lack of transparency can make it challenging for investors to conduct thorough due diligence and assess the company's financial health. Furthermore, OTC stocks often experience lower trading volumes and wider bid-ask spreads, leading to reduced liquidity. This means investors might find it difficult to buy or sell shares quickly without impacting the price. The 'Unknown' disclosure status specifically suggests that the company may not be consistently providing financial reports, further compounding these challenges and potentially deterring institutional investment.
What is QC Holdings, Inc.'s strategy for growth in its current market?
QC Holdings, Inc.'s growth strategy appears to be multifaceted, leveraging both its established physical presence and its digital capabilities. The company maintains a network of 250 retail locations, providing a foundational customer touchpoint for its diverse financial services, including various loan types and transactional services. Concurrently, it is positioned to capitalize on the growing digital finance market through its online lending platform, the 310-LOAN brand, which offers personal loans. Growth is likely pursued through expanding the reach and adoption of its online services, potentially through enhanced digital marketing and user experience. Additionally, the company serves the small business sector with equity-based financing and factoring, suggesting an intent to deepen its penetration in this segment. Strategic diversification of product offerings and potential geographic expansion in underserved areas could also contribute to future growth.
What are the key factors to evaluate for QCCO?
QC Holdings, Inc. (QCCO) holds an AI score of 49/100 (low). Not financial advice.
How frequently does QCCO data refresh on this page?
QCCO prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven QCCO's recent stock price performance?
QC Holdings, Inc. (QCCO) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Extensive network of 250 retail locations provides broad physical access and customer touchpoints. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider QCCO overvalued or undervalued right now?
Valuing QC Holdings, Inc. (QCCO) requires multiple metrics. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Specific details on CEO's tenure, background, and track record beyond managing employees were inferred based on industry norms and available data.
- Growth opportunities, catalysts, and risks were inferred from the company's business model and general industry trends, as specific forward-looking statements were not provided.
- Competitor information was not provided in the source data, hence 'Unknown' was used.
- The 'Unknown' disclosure status for OTC trading limits the depth of financial analysis.