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CURO Group Holdings Corp. logo
CURO Group Holdings Corp. CURO
report update icon

Quarterly report 2023-Q3
added 05-23-2026

CURO Group Holdings Corp. Balance Sheet 2022-2011 | CURO

Brief overview of CURO Group Holdings Corp.'s assets and capital

The comparison uses five available annual reports from the 2018–2022 interval.

Assets rose from $919.6 million to $2.8 billion, a gain of +203.3%, while CAGR was about 32%. The balance sheet expanded rapidly.

Assets and liabilities changed at similar rates, +203.3% and +202.9%. The funding mix did not shift sharply.

Negative shareholders' equity signals an accumulated net asset deficit and calls for particular caution.

Accumulated earnings ended at $4.3 million, a change of +123.6%. They remain an important part of the capital base.

Balance sheet takeaway

CURO Group Holdings Corp.'s financial structure calls for caution. Stronger equity, lower debt or restored liquidity would be needed to improve it.

Annual Balance Sheet CURO Group Holdings Corp.

2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011

Net Debt

2.6 B 2.01 B 729 M 840 M 743 M 435 M 292 M 471 M - - - -

Long Term Debt

2.61 B 1.95 B 820 M 791 M 804 M 588 M 479 M 564 M - - - -

Long Term Debt Current

62.8 M 122 M 123 M 125 M - - - - - - - -

Total Non Current Liabilities

- - 15.4 M 791 M 806 M - - - - - - -

Total Liabilities

2.84 B 2.3 B 1.05 B 1.03 B 939 M 853 M 740 M 685 M - - - -

Deferred Revenue

32.3 M 21.6 M 5.39 M - - - - - - - - -

Retained Earnings

4.27 M 203 M 160 M 93.4 M -18.1 M 3.99 M 137 M 71.4 M - - - -

Total Assets

2.79 B 2.46 B 1.18 B 1.08 B 920 M 860 M 781 M 666 M - - - -

Cash and Cash Equivalents

73.9 M 63.2 M 213 M 75.2 M 61.2 M 153 M 187 M - - - - -

Book Value

-54.1 M 160 M 132 M 50.5 M -19.1 M 7.14 M 40.9 M -19.4 M - - - -

Total Shareholders Equity

-54.1 M 160 M 132 M 50.5 M -19.1 M 7.14 M 40.9 M -19.4 M - - - -

All numbers in USD currency

Quarterly Balance Sheet CURO Group Holdings Corp.

2023-Q3 2023-Q2 2023-Q1 2022-Q4 2022-Q3 2022-Q2 2022-Q1 2021-Q4 2021-Q3 2021-Q2 2021-Q1 2020-Q4 2020-Q3 2020-Q2 2020-Q1 2019-Q4 2019-Q3 2019-Q2 2019-Q1 2018-Q4 2018-Q3 2018-Q2 2018-Q1 2017-Q4 2017-Q3 2017-Q2 2017-Q1 2016-Q4 2016-Q3 2016-Q2 2016-Q1 2015-Q4 2015-Q3 2015-Q2 2015-Q1 2014-Q4 2014-Q3 2014-Q2 2014-Q1 2013-Q4 2013-Q3 2013-Q2 2013-Q1 2012-Q4 2012-Q3 2012-Q2 2012-Q1 2011-Q4 2011-Q3 2011-Q2 2011-Q1

Long Term Debt

2.02 B 2.77 B 2.63 B 1.88 B 2.45 B 2.24 B 2.09 B 1.95 B 1.13 B 1.02 B 1 B 820 M 799 M 800 M 788 M 791 M 805 M 769 M 766 M 804 M 868 M 627 M 623 M 706 M - 706 M - - - - - - - - - - - - - - - - - - - - - - - - -

Total Liabilities

2.17 B 3.01 B 2.85 B 2.84 B 2.65 B 2.56 B 2.39 B 2.3 B 1.39 B 1.28 B 1.25 B 1.05 B 1.01 B 1.03 B 1.01 B 1.03 B 1.03 B 1.03 B 997 M 939 M 986 M 768 M 743 M 853 M 853 M 853 M 853 M - - - - - - - - - - - - - - - - - - - - - - - -

Deferred Revenue

2.36 M 36.8 M 33.2 M 3.47 M 25.1 M 23.4 M 24.3 M 21.6 M 15.2 M 10.4 M 5.5 M 5.39 M 5.22 M 4.97 M 6.66 M 10.2 M 9.05 M 8.71 M 7.85 M 9.48 M - 9.48 M 9.48 M - - - - - - - - - - - - - - - - - - - - - - - - - - - -

Retained Earnings

-332 M -228 M -169 M 4.27 M 191 M 169 M 200 M 203 M 237 M 283 M 183 M 160 M 158 M 147 M 127 M 93.4 M 63.2 M 35.8 M 19 M -18.1 M -3.77 M 43.3 M 27.3 M 3.99 M 3.99 M 3.99 M 3.99 M - - - - - - - - - - - - - - - - - - - - - - - -

Total Assets

1.78 B 2.74 B 2.62 B 2.79 B 2.78 B 2.68 B 2.54 B 2.46 B 1.59 B 1.54 B 1.41 B 1.18 B 1.13 B 1.13 B 1.07 B 1.08 B 1.07 B 1.09 B 1.03 B 920 M 996 M 821 M 785 M 860 M 860 M 860 M 860 M - - - - - - - - - - - - - - - - - - - - - - - -

Cash and Cash Equivalents

82.6 M 113 M 54.9 M 50.9 M 45.7 M 37.4 M 60.2 M 63.2 M 206 M 276 M 135 M 213 M 207 M 269 M 139 M 75.2 M 62.2 M 92.3 M 82.9 M 61.2 M 153 M 115 M 131 M 153 M 162 M 162 M 162 M 194 M - - - 112 M - - - - - - - - - - - - - - - - - - -

Book Value

-398 M -268 M -229 M -54.1 M 124 M 116 M 153 M 160 M 197 M 267 M 160 M 132 M 113 M 92.9 M 59.6 M 50.5 M 35 M 57.4 M 36.7 M -19.1 M 9.86 M 52.8 M 42.5 M 7.14 M 7.14 M 7.14 M 7.14 M - - - - - - - - - - - - - - - - - - - - - - - -

Total Shareholders Equity

-398 M -268 M -229 M -54.1 M 124 M 116 M 153 M 160 M 197 M 267 M 160 M 132 M 113 M 92.9 M 59.6 M 50.5 M 35 M 57.4 M 36.7 M -19.1 M 9.86 M 52.8 M 42.5 M 7.14 M 7.14 M 7.14 M 7.14 M 40.9 M - - - -19.4 M - - - - - - - - - - - - - - - - - - -

All numbers in USD currency

Balance Sheet is a fundamental financial report of CURO Group Holdings Corp., providing a complete picture of the company’s financial position at a specific point in time. Unlike the income statement, which records the results of operations over a certain period, the balance sheet shows what assets the company owns, what liabilities it has to creditors, and what equity is available to the owners.

For an investor, the balance sheet is important because it allows assessing the company’s financial stability, understanding how much debt it carries, and how dependent it is on borrowed financing. It helps calculate key liquidity and leverage ratios. When analyzing, attention should be paid to the debt-to-equity ratio (Debt/Equity), the amount of cash on the balance sheet, and the ratio of current liabilities to liquid assets.

Features of balance sheet analysis
  • Vertical and horizontal analysis
    Vertical analysis shows the structure of the balance sheet as a percentage of total assets or liabilities, while horizontal analysis shows the dynamics of changes over multiple periods.
  • Asset quality
    It is important to evaluate not only the amount of assets but also their liquidity and realizability.
  • Accounting for off-balance sheet liabilities
    Some liabilities may not be directly reflected in the balance sheet, which requires additional attention.

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