NICK — Stock Film
STOCK FILMSCENE 1/11NICK · $6.19
Stock Expert AI presents
NICK
Nicholas Financial, Inc
~4 min film100% real numbers0 jargon
WHAT DOES THIS COMPANY DO?
Nicholas Financial, Inc. A quick introduction.

On the stock market since 1997, it operates in the world of money and finance. It has 7 employees. Now — the numbers.

on the stock market since 1997
7 employees
$45.2M market value
Revenue last year:
$0
The loss that same year:
$0
For every $1 it earns, the company spends $1.5.

The company closed last year at a loss: costs ran above sales. The picture changes only if spending is reined in.

WHERE DOES THE MONEY COME FROM?
66%Fiber Internet Services
Fiber Internet Services 66%Other Revenue 34%
66% of all revenue comes from a single line: Fiber Internet Services.

That much dependence is a risk in itself: if this one line weakens, the whole company feels it directly.

THE SALES TREND
Sales have been shrinking.

An average decline of 34% a year over the last 4 years — the most striking risk in this picture. Red columns mark years that ended in a loss.

$50M
2021
$44.3M
2022
$40.4M
2023
$22.2M
2024
$9.4M
2025
In the vault right now:
$0
DEBT: $3.8M
At this pace, that money lasts about 4.8 years.

Before the clock runs out, either sales must climb sharply or new money must come in. For now, time is on the company’s side.

THE COUNCIL REVIEW
9

angles, checked one by one.

The 3 that stand out are on screen; the rest came back neutral.

The council scores out of 10; report-card grades are out of 100.

WEAK SPOTS
The stock has lost its spark0/10
Growth has stalled2/10
Costs eat into the margin4/10
WORTH WATCHING

Revenue Growth: Sales are growing slowly.

THE FIVE-YEAR JOURNEY
Below the peak, but no collapse.

The stock trades 50% below its peak. The market has trimmed its expectations for the company.

1
THE BRIGHT SIDE · 1/2
Executives are buying their own stock

Over the last 12 months, company executives reported 6 buys and 2 sells. Management buying with its own money is usually read as a good sign.

2
THE BRIGHT SIDE · 2/2
Pays a steady dividend

It pays out $0.48 per share each year — regular cash for whoever holds the stock.

1
THE RISKS · 1/3
Small sales, big loss

A loss of $5.1M against $9.4M in annual sales. And on top of that, sales fell from the year before.

2
THE RISKS · 2/3
The stock has lost its spark

Since the drop from its peak, buyer appetite hasn’t come back. Council score: 0/10.

3
THE RISKS · 3/3
Growth has stalled

The sales tempo runs behind the sector. Council score: 2/10.

FINALE · THE GRADE
F
0 / 100 · MoonshotScore

On our five-subject report card, NICK sits behind the class. A low grade doesn’t mean “doomed” — it means “big claim, small proof.”

The takeaway: NICK is a small company that closed last year at a loss. The road back to profit runs through spending discipline.

What would you like to do next?
Open the stock page →
This was a film — not investment advice.
Data: FMP & company filings
Aug 21, 2026 · stockexpertai.com · Stock Film