Nicholas Financial Q4 net income drops 79% YoY to $0.4M; originations hit record $27.1M

OLD MARKET CAPITAL Corp

2022-FY EPS reported $0.39 revenue$49,779,000

Diluted EPS of $0.05 vs $0.24 in prior-year quarter; full-year EPS $0.39 vs $1.09.
Interest and fee income fell 4.0% to $12.3M in Q4; full-year down 8.3% to $49.7M.
New contract originations reached $27.1M, up 10.2% YoY and 39.3% QoQ – a historic high.
Direct loan originations surged 127.1% YoY to $7.5M in Q4; portfolio yield improved to 27.9%.
Finance receivables net increased by $2.9M during Q4, first growth in a long period.

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