# Nicholas Financial / Old Market Capital (NICK)
auto-indirect · subprime · departed · latest quarter 2025-09-30 · reporting basis subprime

**Score 0** (weighted flags). Was a branch-based subprime auto lender. Sold the consumer loan portfolio and became Old Market Capital Corporation, a different business, before delisting.

## Latest quarter, from the company's own XBRL

| Measure | Value |
|---|---|
| Book total (subprime) | – |
| Allowance | – (– of gross) |
| Provision | – |
| Net charge-offs | – (– annualized) |
| Provision / NCO | – |
| Reserve, quarters of losses | – |
| 30+ / 60+ / 90+ | – / – / – |
| Nonaccrual | – |
| Yield | – |
| Equity / assets | 66.34% |
| Book growth YoY | – |

Delinquency note: The tape ends when the auto book was disposed of. Later periods do not describe subprime auto lending and should not be read as though they do.

## Flags

- none

## Reads on the desk

- HIGH: Equity fell to 59.9% of assets from 82.8% a year earlier, a 22.9 point erosion of the cushion under the book. Threshold: 4 points.

## Document-verified events

- 2025-12-22 Form 25: exchange delisting
- 2026-01-02 Form 15-12G/A: registration terminated

## In the news

- nothing found

## How to verify

- Page: https://getbookiq.com/intel/#co=NICK
- Data: https://getbookiq.com/intel/data/pubco.json (companies[].hist, columns q, receivables_gross, receivables_net, receivables_fv, book_total, allowance, provision, writeoffs, recoveries, nco, revenue, interest_income, nonaccrual, assets, equity, debt, alw_ratio, nco_rate, yield, prov_nco, nonacc_ratio, equity_ratio, leverage, reserve_qtrs, growth_yoy, alw_chg_yoy, nco_chg_yoy, nonacc_chg_yoy, yield_chg_yoy, eq_chg_yoy, dq30, dq60, dq90, dq_total, dq30_r, dq60_r, dq90_r, dq_total_r, dq90_chg_yoy, dqtot_chg_yoy, score)
- Definitions: https://getbookiq.com/dictionary/#auto-prov_nco
- Source: SEC XBRL company facts. Blank means the filer does not tag that concept, never zero. Peer comparison is within a business model or tier only.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide