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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash-to-Debt 0.22
ASFI's Cash-to-Debt is ranked lower than
71% of the 371 Companies
in the Global Credit Services industry.

( Industry Median: 9999.00 vs. ASFI: 0.22 )
Ranked among companies with meaningful Cash-to-Debt only.
ASFI' s Cash-to-Debt Range Over the Past 10 Years
Min: 0  Med: 0.27 Max: No Debt
Current: 0.22
Equity-to-Asset 0.70
ASFI's Equity-to-Asset is ranked higher than
66% of the 349 Companies
in the Global Credit Services industry.

( Industry Median: 0.45 vs. ASFI: 0.70 )
Ranked among companies with meaningful Equity-to-Asset only.
ASFI' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.13  Med: 0.69 Max: 0.94
Current: 0.7
0.13
0.94
Interest Coverage 2.64
ASFI's Interest Coverage is ranked lower than
66% of the 406 Companies
in the Global Credit Services industry.

( Industry Median: 6.77 vs. ASFI: 2.64 )
Ranked among companies with meaningful Interest Coverage only.
ASFI' s Interest Coverage Range Over the Past 10 Years
Min: 0.84  Med: 4.2 Max: 8.76
Current: 2.64
0.84
8.76
Beneish M-Score: -2.66
WACC vs ROIC
5.49%
3.45%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 5/10

vs
industry
vs
history
Operating Margin % 17.04
ASFI's Operating Margin % is ranked lower than
51% of the 366 Companies
in the Global Credit Services industry.

( Industry Median: 17.59 vs. ASFI: 17.04 )
Ranked among companies with meaningful Operating Margin % only.
ASFI' s Operating Margin % Range Over the Past 10 Years
Min: -154.57  Med: 17.04 Max: 71.8
Current: 17.04
-154.57
71.8
Net Margin % 10.03
ASFI's Net Margin % is ranked lower than
55% of the 367 Companies
in the Global Credit Services industry.

( Industry Median: 11.84 vs. ASFI: 10.03 )
Ranked among companies with meaningful Net Margin % only.
ASFI' s Net Margin % Range Over the Past 10 Years
Min: -146.56  Med: 9.54 Max: 42.66
Current: 10.03
-146.56
42.66
ROE % 3.02
ASFI's ROE % is ranked lower than
62% of the 371 Companies
in the Global Credit Services industry.

( Industry Median: 6.48 vs. ASFI: 3.02 )
Ranked among companies with meaningful ROE % only.
ASFI' s ROE % Range Over the Past 10 Years
Min: -44.77  Med: 3.48 Max: 24.78
Current: 3.02
-44.77
24.78
ROA % 2.18
ASFI's ROA % is ranked lower than
51% of the 381 Companies
in the Global Credit Services industry.

( Industry Median: 2.22 vs. ASFI: 2.18 )
Ranked among companies with meaningful ROA % only.
ASFI' s ROA % Range Over the Past 10 Years
Min: -23.51  Med: 2.21 Max: 12.04
Current: 2.18
-23.51
12.04
3-Year Revenue Growth Rate 15.00
ASFI's 3-Year Revenue Growth Rate is ranked higher than
73% of the 279 Companies
in the Global Credit Services industry.

( Industry Median: 4.50 vs. ASFI: 15.00 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
ASFI' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -30.1  Med: 12.7 Max: 72.9
Current: 15
-30.1
72.9
3-Year EBITDA Growth Rate 58.00
ASFI's 3-Year EBITDA Growth Rate is ranked higher than
87% of the 245 Companies
in the Global Credit Services industry.

( Industry Median: 7.40 vs. ASFI: 58.00 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
ASFI' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -58  Med: 16.35 Max: 117.3
Current: 58
-58
117.3
3-Year EPS without NRI Growth Rate 61.30
ASFI's 3-Year EPS without NRI Growth Rate is ranked higher than
91% of the 235 Companies
in the Global Credit Services industry.

( Industry Median: 1.70 vs. ASFI: 61.30 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
ASFI' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -60.5  Med: 15.1 Max: 61.3
Current: 61.3
-60.5
61.3
GuruFocus has detected 4 Warning Signs with Asta Funding Inc $ASFI.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» ASFI's 10-Y Financials

Financials (Next Earnings Date: 2017-05-09 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q1 2016

ASFI Guru Trades in Q1 2016

Jim Simons 129,700 sh (+2.69%)
» More
Q2 2016

ASFI Guru Trades in Q2 2016

Jim Simons 179,800 sh (+38.63%)
» More
Q3 2016

ASFI Guru Trades in Q3 2016

Jim Simons 178,300 sh (-0.83%)
» More
Q4 2016

ASFI Guru Trades in Q4 2016

Jim Simons 133,000 sh (-25.41%)
» More
» Details

Insider Trades

Latest Guru Trades with ASFI

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Business Description

Industry: Credit Services » Credit Services    NAICS: 561440    SIC: 6153
Compare:NAS:MFIN, NAS:LOAN, OTCPK:MOGOF, NAS:ATLC, OTCPK:HTZZF, NAS:NICK, NAS:FPAY, OTCPK:IEGH, NAS:CCCR, NAS:LMFA, OTCPK:MITJF, OTCPK:JGWE, OTCPK:SRCF, NAS:SNFCA, NAS:CPSS, OTCPK:FASGF, OTCPK:CCGN, NAS:CLDC, NYSE:RM, NYSE:ONDK » details
Asta Funding Inc through its subsidiaries is engaged in the business of acquiring, managing, servicing and recovering on portfolios of consumer receivables.

Asta Funding Inc was incorporated in New Jersey on July 7, 1994 and was reincorporated in Delaware on October 12, 1995, as the result of a merger with a Delaware corporation. The Company together with its wholly owned operating subsidiaries is engaged in the business of acquiring, managing, servicing and recovering on portfolios of consumer receivables. The Comapny has four reportable segments: Consumer receivables, Personal injury claims, structured settlements and disability advocacy. Consumer receivables: segment is engaged in the business of purchasing, managing for its own account and servicing distressed consumer receivables, including charged off receivables, semi-performing receivables and performing receivables. The primary charged-off receivables are accounts that have been written-off by the originators and may have been previously serviced by collection agencies. Personal injury claims: Pegasus Funding, LLC , an 80% owned subsidiary, purchases interests in personal injury claims from claimants who are a party to personal injury litigation. Pegasus advances to each claimant funds on a non-recourse basis at an agreed upon interest rate, in anticipation of a future settlement. Structured settlements: CBC purchases periodic structured settlements and annuity policies from individuals in exchange for a lump sum payment. GAR Disability Advocates is a non-attorney advocacy group, which obtains and represents individuals nationwide in their claims for social security disability and supplemental security income benefits from the Social Security Administration. These portfolios generally consist of various consumer receivables such as charged-off receivables which accounts that have been written-off by the originators and may have been previously serviced by collection agencies; semi-performing receivables which accounts where the debtor is currently making partial or irregular monthly payments, but the accounts may have been written-off by the originators; and Performing receivables which accounts where the debtor is making regular monthly payments that may or may not have been delinquent in the past. A portion of its distressed consumer receivables are MasterCard, Visa and other credit card accounts which were charged-off by the issuers or providers for non-payment. The business is subject to federal and state regulations.

Ratios

vs
industry
vs
history
PE Ratio 20.36
ASFI's PE Ratio is ranked lower than
59% of the 410 Companies
in the Global Credit Services industry.

( Industry Median: 15.20 vs. ASFI: 20.36 )
Ranked among companies with meaningful PE Ratio only.
ASFI' s PE Ratio Range Over the Past 10 Years
Min: 3.23  Med: 15.44 Max: 283.33
Current: 20.36
3.23
283.33
PE Ratio without NRI 20.36
ASFI's PE Ratio without NRI is ranked lower than
62% of the 351 Companies
in the Global Credit Services industry.

( Industry Median: 15.39 vs. ASFI: 20.36 )
Ranked among companies with meaningful PE Ratio without NRI only.
ASFI' s PE Ratio without NRI Range Over the Past 10 Years
Min: 3.23  Med: 15.44 Max: 283.33
Current: 20.36
3.23
283.33
Price-to-Owner-Earnings 12.67
ASFI's Price-to-Owner-Earnings is ranked lower than
53% of the 97 Companies
in the Global Credit Services industry.

( Industry Median: 12.19 vs. ASFI: 12.67 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
ASFI' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 1.92  Med: 9.82 Max: 94.83
Current: 12.67
1.92
94.83
PB Ratio 0.56
ASFI's PB Ratio is ranked higher than
81% of the 441 Companies
in the Global Credit Services industry.

( Industry Median: 1.30 vs. ASFI: 0.56 )
Ranked among companies with meaningful PB Ratio only.
ASFI' s PB Ratio Range Over the Past 10 Years
Min: 0.07  Med: 0.67 Max: 3.44
Current: 0.56
0.07
3.44
PS Ratio 1.95
ASFI's PS Ratio is ranked higher than
69% of the 439 Companies
in the Global Credit Services industry.

( Industry Median: 3.24 vs. ASFI: 1.95 )
Ranked among companies with meaningful PS Ratio only.
ASFI' s PS Ratio Range Over the Past 10 Years
Min: 0.19  Med: 2.83 Max: 9.8
Current: 1.95
0.19
9.8
EV-to-EBIT 12.08
ASFI's EV-to-EBIT is ranked higher than
61% of the 420 Companies
in the Global Credit Services industry.

( Industry Median: 18.27 vs. ASFI: 12.08 )
Ranked among companies with meaningful EV-to-EBIT only.
ASFI' s EV-to-EBIT Range Over the Past 10 Years
Min: -105.5  Med: 10.5 Max: 103.7
Current: 12.08
-105.5
103.7
EV-to-EBITDA 11.44
ASFI's EV-to-EBITDA is ranked higher than
61% of the 429 Companies
in the Global Credit Services industry.

( Industry Median: 14.96 vs. ASFI: 11.44 )
Ranked among companies with meaningful EV-to-EBITDA only.
ASFI' s EV-to-EBITDA Range Over the Past 10 Years
Min: -158.3  Med: 10.2 Max: 77.1
Current: 11.44
-158.3
77.1

Buy Back

vs
industry
vs
history
3-Year Dividend Growth Rate -100.00
ASFI's 3-Year Dividend Growth Rate is ranked lower than
87% of the 100 Companies
in the Global Credit Services industry.

( Industry Median: 7.70 vs. ASFI: -100.00 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
ASFI' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 0  Med: -100 Max: 85.7
Current: -100
0
85.7
5-Year Yield-on-Cost % 0.89
ASFI's 5-Year Yield-on-Cost % is ranked lower than
81% of the 350 Companies
in the Global Credit Services industry.

( Industry Median: 3.26 vs. ASFI: 0.89 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
ASFI' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.36  Med: 0.97 Max: 12.84
Current: 0.89
0.36
12.84
3-Year Average Share Buyback Ratio 2.90
ASFI's 3-Year Average Share Buyback Ratio is ranked higher than
86% of the 149 Companies
in the Global Credit Services industry.

( Industry Median: -4.90 vs. ASFI: 2.90 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
ASFI' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -18.9  Med: -1.2 Max: 4.5
Current: 2.9
-18.9
4.5

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 0.57
ASFI's Price-to-Tangible-Book is ranked higher than
82% of the 416 Companies
in the Global Credit Services industry.

( Industry Median: 1.39 vs. ASFI: 0.57 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
ASFI' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.15  Med: 0.83 Max: 2.98
Current: 0.57
0.15
2.98
Price-to-Intrinsic-Value-Projected-FCF 0.57
ASFI's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
74% of the 143 Companies
in the Global Credit Services industry.

( Industry Median: 1.10 vs. ASFI: 0.57 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
ASFI' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.06  Med: 0.38 Max: 1.84
Current: 0.57
0.06
1.84
Price-to-Median-PS-Value 0.69
ASFI's Price-to-Median-PS-Value is ranked higher than
77% of the 407 Companies
in the Global Credit Services industry.

( Industry Median: 1.02 vs. ASFI: 0.69 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
ASFI' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.16  Med: 0.9 Max: 2.82
Current: 0.69
0.16
2.82
Price-to-Graham-Number 0.72
ASFI's Price-to-Graham-Number is ranked higher than
69% of the 304 Companies
in the Global Credit Services industry.

( Industry Median: 1.04 vs. ASFI: 0.72 )
Ranked among companies with meaningful Price-to-Graham-Number only.
ASFI' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.31  Med: 0.84 Max: 2.82
Current: 0.72
0.31
2.82
Earnings Yield (Greenblatt) % 8.28
ASFI's Earnings Yield (Greenblatt) % is ranked higher than
68% of the 421 Companies
in the Global Credit Services industry.

( Industry Median: 4.45 vs. ASFI: 8.28 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
ASFI' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 1  Med: 8.3 Max: 18.9
Current: 8.28
1
18.9
Forward Rate of Return (Yacktman) % 43.33
ASFI's Forward Rate of Return (Yacktman) % is ranked higher than
90% of the 130 Companies
in the Global Credit Services industry.

( Industry Median: 9.40 vs. ASFI: 43.33 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
ASFI' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: 1.8  Med: 35.6 Max: 266.2
Current: 43.33
1.8
266.2

More Statistics

Revenue (TTM) (Mil) $53.83
EPS (TTM) $ 0.42
Beta0.65
Short Percentage of Float0.35%
52-Week Range $8.26 - 11.97
Shares Outstanding (Mil)6.56
» More Articles for ASFI

Headlines

Articles On GuruFocus.com
Asta Funding Full Year Results - Share Buybacks Creating Big Value Jan 23 2013 
Asta Funding Shifts Focus to Far Riskier Strategy (ASFI) Jan 04 2012 
Asta Funding (ASFI) - The Short Case Aug 26 2011 
Asta Funding, Inc. (ASFI) Jan 11 2011 
Asta Funding Inc. Reports Operating Results (10-Q) May 14 2010 
The Debt Default Boom: How to Profit From the “Car-Stealing” Businesses: Encore Capital Group, A Feb 19 2010 
Asta Funding Inc. Reports Operating Results (10-Q) Feb 12 2010 
Asta Funding Inc. Reports Operating Results (10-K/A) Jan 29 2010 
Asta Funding Inc. Reports Operating Results (10-Q) Aug 08 2009 
Asta Funding Inc. Reports Operating Results (10-Q) May 08 2009 

More From Other Websites
ASTA FUNDING INC Files SEC form 8-K, Changes in Registrant's Certifying Accountant Mar 16 2017
Asta Funding, Inc. :ASFI-US: Earnings Analysis: Q1, 2017 By the Numbers : March 14, 2017 Mar 14 2017
Asta Funding, Inc. Announces Final Results of its Tender Offer Feb 22 2017
Asta Funding, Inc. Announces Preliminary Results of its Tender Offer Feb 16 2017
ASTA FUNDING INC Financials Feb 15 2017
Edited Transcript of ASFI earnings conference call or presentation 9-Feb-17 2:00pm GMT Feb 09 2017
ASTA FUNDING INC Files SEC form 8-K, Results of Operations and Financial Condition Feb 09 2017
Asta Funding reports 1Q loss Feb 09 2017
Asta Funding reports 1Q loss Feb 09 2017
Asta Funding Announces Results for The First Quarter Ended December 31, 2016 Feb 09 2017
ASTA FUNDING INC Files SEC form 8-K, Other Events, Financial Statements and Exhibits Feb 02 2017
Asta Funding, Inc. Extends Tender Offer Until 11:59 p.m., February 15, 2017 Feb 02 2017
ASTA FUNDING INC Files SEC form 8-K, Other Events, Financial Statements and Exhibits Jan 19 2017
Asta Funding, Inc. Announces Commencement of Tender Offer to Purchase Up to 5,314,009 Shares of its... Jan 19 2017
ASTA FUNDING INC Files SEC form 8-K, Entry into a Material Definitive Agreement, Amendments to... Jan 09 2017
Asta Funding Reaches Agreement with Mangrove Partners Jan 09 2017
ETFs with exposure to Asta Funding, Inc. : December 22, 2016 Dec 22 2016
Asta Funding, Inc. :ASFI-US: Earnings Analysis: 2016 By the Numbers : December 16, 2016 Dec 16 2016
Edited Transcript of ASFI earnings conference call or presentation 14-Dec-16 3:00pm GMT Dec 14 2016
ASTA FUNDING INC Files SEC form 8-K, Results of Operations and Financial Condition Dec 14 2016

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