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Private company

CURO Group Holdings Corp.

American finance services company based in Wichita, incorporated in Delaware2

In its 2023 annual report the company says: “We are a tech-enabled, omni-channel consumer finance company serving a full spectrum of non-prime, near-prime and prime consumers in portions of the U.S. and Canada. We continuously update our products and technology platform to offer a variety of convenient, accessible financial and loan services. We design our customer experience to allow consumers to apply for, update and manage their loans in the channels they prefer—in branch, and via mobile device or over the phone.”66

Last updated Oct 21, 2026.

Overview

  • IndustryFinance Services2
  • HeadquartersWichita, United States2
  • Incorporated inDE3
  • Business address200 West Hubbard Street, 8Th Floor, Chicago, Il 606543
  • Filer categoryAccelerated filer, Smaller reporting company3
  • Legal formCorporation2
  • LEI54930007KH8KCGJ4YE722
  • StatusActive2
  • LEI statusLapsed (not renewed)2
  • Registered addressC/O CORPORATION SERVICE COMPANY, 19808 Wilmington, United States2
  • Registered withDivision of Corporations, Department of State, 52857652

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Financials

From the company’s reports to the SEC. Every number links to the filing it came from.

Key numbers, fiscal 2022

-18.1%Net margin4
25.4%Revenue growth, 20224

Where the money goes

Where each dollar of revenue went, fiscal 2022

  • Cost of revenue54¢$556.5M
  • Other costs27¢$275.1M
  • Interest18¢$185.7M
  • Income tax1¢$8.7M

Out of $1.0B in revenue.4 The company lost money this year.

Where each dollar of operating cash went, fiscal 2022

  • Dividends paid5¢$13.7M
  • Share buybacks4¢$12.5M
  • Kept or used elsewhere91¢$258.4M

Out of $284.6M of cash from operations.4

Financial statements

Revenue56784$1.0B in 2022+80% since 2016
0$500.0M$1.0B$1.5B2016: $570.3M$570.3M20162017: $611.6M$611.6M2017+7%2018: $623.5M$623.5M2018+2%2019: $673.2M$673.2M2019+8%2020: $847.4M$847.4M2020+26%2021: $817.8M$817.8M2021−3%2022: $1.0B$1.0B2022+25%
Gross profit567$308.4M in 2020+5% since 2016
0$100.0M$200.0M$300.0M$400.0M2016: $293.3M$293.3M20162017: $335.2M$335.2M2017+14%2018: $325.5M$325.5M2018−3%2019: $378.6M$378.6M2019+16%2020: $308.4M$308.4M2020−19%
Net income56784-$185.5M in 2022
-$200.0M-$100.0M0$100.0M$200.0M2016: $65.4M$65.4M20162017: $49.2M$49.2M2017−25%2018: -$22.1M-$22.1M20182019: $111.5M$111.5M20192020: $75.7M$75.7M2020−32%2021: $59.3M$59.3M2021−22%2022: -$185.5M-$185.5M2022
Fiscal year2016201720182019202020212022
Revenue$570.3M5$611.6M6$623.5M7$673.2M8$847.4M4$817.8M4$1.0B4
Cost of revenue$277.1M5$276.4M6$298.0M7$454.7M8$410.1M4$486.9M4$556.5M4
Gross profit$293.3M5$335.2M6$325.5M7$378.6M7$308.4M7
Interest$64.3M5$82.7M6$84.4M7$69.8M8$72.7M4$97.3M4$185.7M4
Income before tax$80.6M4-$194.2M4
Income tax$42.6M5$41.6M6$1.7M7$38.6M8$5.9M4$21.2M4-$8.7M4
Net income$65.4M5$49.2M6-$22.1M7$111.5M8$75.7M4$59.3M4-$185.5M4
Earnings per share$1.735$1.286-$0.487$2.508$1.854$1.444-$4.594
Earnings per share (diluted)$1.695$1.256-$0.467$2.438$1.804$1.384-$4.594
Shares (weighted, basic)41.2M shares440.4M shares4
Shares (weighted, diluted)43.1M shares440.4M shares4

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Corporate structure

CURO Group Holdings Corp. sits at the top of its group. 5 entities, 2 countries on record. Switch between the flow chart and the network, and select any entity to see its details.

Major holders of CURO Group Holdings Corp.

  • CURO Group Holdings Corp. Wichita, Kansas, United States
    • Katapult Holdings, Inc. Stake · New York, New York
    • Curo Canada Receivables Limited Partnership Subsidiary · Toronto, Ontario, Canada
    • CURO Financial Technologies Corp. Subsidiary · Wichita, Kansas, United States
      • CASH MONEY CHEQUE CASHING INC. Subsidiary · Toronto, Ontario, Canada

Built from parent and subsidiary links from GLEIF, the Global Legal Entity Identifier Foundation (CC0); major holders from Schedules 13D and 13G; stakes of 5% or more it reported on Schedules 13D and 13G (1 companies). Each entity in the chart links to its source.

What it owns

What CURO Group Holdings Corp. reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.

Property and equipment

ItemLatestA year beforeChange
Property and equipment, before depreciation$96.0M4 Dec 31, 2022$165.3M4 Dec 31, 2021−41.9%
Accumulated depreciation$64.1M4 Dec 31, 2022$110.7M4 Dec 31, 2021−42.1%
Property and equipment, net$32.0M4 Dec 31, 2022$54.6M4 Dec 31, 2021−41.5%
Operating-lease assets (leased space)$61.2M4 Dec 31, 2022$116.3M4 Dec 31, 2021−47.4%

Investments

ItemLatestA year beforeChange
Cash and cash equivalents$73.9M4 Dec 31, 2022$63.2M4 Dec 31, 2021+17.0%

Intangibles and goodwill

ItemLatestA year beforeChange
Goodwill$276.3M4 Dec 31, 2022$429.8M4 Dec 31, 2021−35.7%
Intangible assets, net (excluding goodwill)$123.7M4 Dec 31, 2022$109.9M4 Dec 31, 2021+12.5%
Finite-lived intangibles, gross$168.0M4 Dec 31, 2022$149.0M4 Dec 31, 2021+12.7%
Accumulated amortization$44.3M4 Dec 31, 2022$39.1M4 Dec 31, 2021+13.4%
Finite-lived intangibles, net$123.7M4 Dec 31, 2022$109.9M4 Dec 31, 2021+12.5%

Leadership

Who has led CURO Group Holdings Corp., and when. Pick a name to see everywhere that person has worked.

Chief executive

  1. Donald Gayhardt2017–2022
  2. Peter E. Kalen2021–2023
  3. Douglas D. Clark2022–2024

President

  1. Donald Gayhardt2019–2021
  2. William C. Baker2021–2022

Chief financial officer

  1. Roger W. Dean2018–2022
  2. Ismail Dawood2023–2024

Chief operating officer

  1. William C. Baker2018–2022
  2. Gary L. Fulk2023–2024
20202025
Board members and other officers (25)

Timeline

  1. Mar 25, 20248-K Entered a material agreement; Bankruptcy or receivership; Debt or obligation accelerated43
  2. Mar 19, 20248-K Executive or director change44
  3. Mar 15, 20248-K Entered a material agreement; Listing notice or transfer; Regulation FD disclosure45
  4. Mar 1, 20248-K Entered a material agreement; Regulation FD disclosure46
  5. Feb 12, 20248-K Results of operations; Regulation FD disclosure47
  6. Feb 8, 20248-K Entered a material agreement; Regulation FD disclosure48
  7. Feb 5, 20248-K Results of operations; Regulation FD disclosure49
  8. Nov 13, 20238-K Regulation FD disclosure50
  9. Nov 7, 20238-K Entered a material agreement; New debt or obligation; Regulation FD disclosure51
  10. Nov 2, 20238-K Results of operations52
  11. Oct 30, 20238-K Regulation FD disclosure53
  12. Oct 23, 20238-K Regulation FD disclosure54
  13. Nov 17, 2022New chief executive Douglas D. Clark becomes CEO11
  14. Jun 10, 2021New chief executive Peter E. Kalen becomes CEO12
  15. Dec 8, 2017New chief executive Donald Gayhardt becomes CEO13
  16. Feb 7, 2013Founded CURO Group Holdings Corp. is founded2

Calendar

When it reported results

  1. Feb 12, 2024Reported quarterly or annual results47
  2. Feb 5, 2024Reported quarterly or annual results49
  3. Nov 2, 2023Reported quarterly or annual results52
  4. Aug 3, 2023Reported quarterly or annual results55
  5. May 10, 2023Reported quarterly or annual results56
  6. Feb 23, 2023Reported quarterly or annual results57
  7. Nov 2, 2022Reported quarterly or annual results58
  8. Aug 8, 2022Reported quarterly or annual results59

Upcoming dates from Nasdaq's calendar; past results from the company's 8-K filings (Item 2.02). The full markets calendar

Filings

190 filings to the SEC since October 2021: 2 annual reports, 7 quarterly reports, 55 major events, 103 insider forms, 15 large holders, 8 other. The latest 20:

  1. Mar 29, 202415-12G EDGAR
  2. Mar 28, 2024EFFECT EDGAR
  3. Mar 26, 2024POS AM EDGAR
  4. Mar 26, 2024S-8 POS EDGAR
  5. Mar 26, 2024S-8 POS EDGAR
  6. Mar 25, 20248-K EDGAR
  7. Mar 19, 20248-K EDGAR
  8. Mar 15, 20248-K EDGAR
  9. Mar 1, 20248-K EDGAR
  10. Feb 28, 20244 EDGAR
  11. Feb 28, 20244 EDGAR
  12. Feb 28, 20244 EDGAR
  13. Feb 28, 20244 EDGAR
  14. Feb 28, 20244 EDGAR
  15. Feb 14, 2024SC 13G/A EDGAR
  16. Feb 13, 20244 EDGAR
  17. Feb 13, 20244/A EDGAR
  18. Feb 13, 20244 EDGAR
  19. Feb 13, 20244 EDGAR
  20. Feb 13, 20244 EDGAR

The 190 filings since October 2021 can be filtered by form type and year here when JavaScript is on.

Every filing from the last five years, summarized. The full record is on SEC EDGAR.

Insider trades

36 open-market trades by officers, directors and large owners since October 2021: 29 buys and 7 sales. Grants, option exercises and gifts are left out.

DateWhoTradeSharesPriceValueFiling
Jan 2, 2024Clark Douglas DChief Executive OfficerBuy10,000$0.85$8.5KForm 4
Dec 1, 2023Faulkner Chadwick HeathDirectorBuy16,000$0.81$13.0KForm 4
Dec 1, 2023Clark Douglas DChief Executive OfficerBuy20,000$0.78$15.6KForm 4
Nov 13, 2023DAWOOD ISMAILChief Financial OfficerBuy15,000$0.85$12.8KForm 4
Nov 10, 2023DAWOOD ISMAILChief Financial OfficerBuy21,600$0.78$16.8KForm 4
Nov 2, 2023Clark Douglas DChief Executive OfficerBuy4,027$0.84$3.4KForm 4
Nov 1, 2023Faulkner Chadwick HeathDirectorBuy16,000$0.85$13.6KForm 4
Nov 1, 2023Clark Douglas DChief Executive OfficerBuy15,973$0.86$13.7KForm 4
Oct 3, 2023Clark Douglas DChief Executive OfficerBuy11,898$1.03$12.3KForm 4
Oct 2, 2023Clark Douglas DChief Executive OfficerBuy8,102$1.05$8.5KForm 4
Oct 2, 2023Faulkner Chadwick HeathDirectorBuy16,000$1.08$17.3KForm 4
Sep 12, 2023DAWOOD ISMAILChief Financial OfficerBuy13,000$1.17$15.2KForm 4
Sep 5, 2023Clark Douglas DChief Executive OfficerBuy5,772$1.22$7.0KForm 4
Sep 1, 2023Faulkner Chadwick HeathDirectorBuy16,000$1.24$19.8KForm 4
Sep 1, 2023Clark Douglas DChief Executive OfficerBuy14,228$1.22$17.4KForm 4
Aug 2, 2023Clark Douglas DChief Executive OfficerBuy2,390$1.67$4.0KForm 4
Aug 1, 2023Faulkner Chadwick HeathDirectorBuy16,000$1.68$26.9KForm 4
Aug 1, 2023Clark Douglas DChief Executive OfficerBuy17,610$1.69$29.8KForm 4
Jul 3, 2023Clark Douglas DChief Executive OfficerBuy20,000$1.39$27.8KForm 4
Jun 14, 2023Faulkner Chadwick HeathDirectorBuy20,000$1.87$37.4KForm 4

All 36 trades can be filtered by person here when JavaScript is on.

From Forms 4 filed with the SEC.

Major holders

Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.

Stakes it holds

CURO Group Holdings Corp. has told the SEC it owns more than 5% of 1 company, latest first (Schedules 13D and 13G).

SEC filer profile

How CURO Group Holdings Corp. is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.

  • Name on EDGARCURO Group Holdings Corp.1
  • CIK0001711291
  • Employer ID (EIN)90-09345971
  • Filer statusAccelerated filer<br>smaller reporting company1
  • Incorporated inDelaware1
  • Fiscal year endsDecember 311
  • Industry code (SIC)6199 Finance Services1
  • SEC reviewing officeOffice of Finance, Division of Corporation Finance1
  • Business address200 West Hubbard Street, 8Th Floor, Chicago, IL 606541
  • Phone312-470-27411
  • Shares outstanding41,300,542 as of Oct 27, 202310
  • Public float$130.2M as of Jun 30, 20224
  • On EDGAR sinceJul 12, 20171
  • Filings557 in all: 4 (267), 8-K (121), 3 (28), SC 13G/A (28), 10-Q (18), 4/A (10), CORRESP (9), SC 13G (9)1
    All 35 form types

    UPLOAD (7), 10-K (6), 8-K/A (6), DEF 14A (6), EFFECT (4), S-1/A (4), 10-K/A (3), S-8 POS (3), SC 13D (3), CT ORDER (2), DEFA14A (2), DRS (2), DRS/A (2), DRSLTR (2), S-1 (2), S-8 (2), 15-12G (1), 25-NSE (1), 424B1 (1), 424B4 (1), 8-A12B (1), ARS (1), CERT (1), POS AM (1), PRE 14A (1), S-3 (1), SC 13D/A (1)

  • Latest filingsAnnual report (10-K) Mar 10, 2023
    Quarterly report (10-Q) Nov 2, 2023
    Proxy statement (DEF 14A) Apr 28, 2023
    Latest 8-K (8-K) Mar 25, 2024

Sources

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