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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

vs
industry
vs
history
Cash to Debt 0.62
ASFI's Cash to Debt is ranked lower than
130% of the 726 Companies
in the Global Business Services industry.

( Industry Median: 1.75 vs. ASFI: 0.62 )
Ranked among companies with meaningful Cash to Debt only.
ASFI' s 10-Year Cash to Debt Range
Min: 0  Med: 0.27 Max: No Debt
Current: 0.62
Equity to Asset 0.80
ASFI's Equity to Asset is ranked lower than
141% of the 671 Companies
in the Global Business Services industry.

( Industry Median: 0.49 vs. ASFI: 0.80 )
Ranked among companies with meaningful Equity to Asset only.
ASFI' s 10-Year Equity to Asset Range
Min: 0.13  Med: 0.67 Max: 0.94
Current: 0.8
0.13
0.94
Interest Coverage 36.92
ASFI's Interest Coverage is ranked lower than
196% of the 483 Companies
in the Global Business Services industry.

( Industry Median: 40.12 vs. ASFI: 36.92 )
Ranked among companies with meaningful Interest Coverage only.
ASFI' s 10-Year Interest Coverage Range
Min: 0.84  Med: 5.33 Max: 36.92
Current: 36.92
0.84
36.92
F-Score: 4
WACC vs ROIC
5.04%
3.30%
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

vs
industry
vs
history
Operating margin (%) 17.82
ASFI's Operating margin (%) is ranked lower than
131% of the 723 Companies
in the Global Business Services industry.

( Industry Median: 5.44 vs. ASFI: 17.82 )
Ranked among companies with meaningful Operating margin (%) only.
ASFI' s 10-Year Operating margin (%) Range
Min: -154.57  Med: 27.49 Max: 78.93
Current: 17.82
-154.57
78.93
Net-margin (%) 9.84
ASFI's Net-margin (%) is ranked lower than
131% of the 724 Companies
in the Global Business Services industry.

( Industry Median: 3.65 vs. ASFI: 9.84 )
Ranked among companies with meaningful Net-margin (%) only.
ASFI' s 10-Year Net-margin (%) Range
Min: -146.56  Med: 20.40 Max: 47.02
Current: 9.84
-146.56
47.02
ROE (%) 3.43
ASFI's ROE (%) is ranked lower than
138% of the 684 Companies
in the Global Business Services industry.

( Industry Median: 8.38 vs. ASFI: 3.43 )
Ranked among companies with meaningful ROE (%) only.
ASFI' s 10-Year ROE (%) Range
Min: -44.77  Med: 13.05 Max: 52.86
Current: 3.43
-44.77
52.86
ROA (%) 2.78
ASFI's ROA (%) is ranked lower than
128% of the 737 Companies
in the Global Business Services industry.

( Industry Median: 3.56 vs. ASFI: 2.78 )
Ranked among companies with meaningful ROA (%) only.
ASFI' s 10-Year ROA (%) Range
Min: -23.51  Med: 10.70 Max: 23.9
Current: 2.78
-23.51
23.9
ROC (Joel Greenblatt) (%) 1702.30
ASFI's ROC (Joel Greenblatt) (%) is ranked lower than
131% of the 721 Companies
in the Global Business Services industry.

( Industry Median: 22.09 vs. ASFI: 1702.30 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
ASFI' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -14720.31  Med: 1200.00 Max: 9289.23
Current: 1702.3
-14720.31
9289.23
Revenue Growth (3Y)(%) 23.20
ASFI's Revenue Growth (3Y)(%) is ranked lower than
172% of the 551 Companies
in the Global Business Services industry.

( Industry Median: 4.70 vs. ASFI: 23.20 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
ASFI' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0  Med: 1.70 Max: 162.1
Current: 23.2
0
162.1
EBITDA Growth (3Y)(%) 5.70
ASFI's EBITDA Growth (3Y)(%) is ranked lower than
205% of the 461 Companies
in the Global Business Services industry.

( Industry Median: 5.90 vs. ASFI: 5.70 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
ASFI' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0  Med: -100.00 Max: 109.8
Current: 5.7
0
109.8
EPS Growth (3Y)(%) 6.60
ASFI's EPS Growth (3Y)(%) is ranked lower than
227% of the 417 Companies
in the Global Business Services industry.

( Industry Median: 6.30 vs. ASFI: 6.60 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
ASFI' s 10-Year EPS Growth (3Y)(%) Range
Min: -60.5  Med: 15.65 Max: 217.5
Current: 6.6
-60.5
217.5
» ASFI's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q2 2014

ASFI Guru Trades in Q2 2014

Jim Simons 75,700 sh (-11.57%)
» More
Q3 2014

ASFI Guru Trades in Q3 2014

Jim Simons 84,400 sh (+11.49%)
» More
Q4 2014

ASFI Guru Trades in Q4 2014

Jim Simons 95,800 sh (+13.51%)
» More
Q1 2015

ASFI Guru Trades in Q1 2015

Jim Simons 99,200 sh (+3.55%)
» 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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» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 18.03
ASFI's P/E(ttm) is ranked lower than
182% of the 519 Companies
in the Global Business Services industry.

( Industry Median: 21.70 vs. ASFI: 18.03 )
Ranked among companies with meaningful P/E(ttm) only.
ASFI' s 10-Year P/E(ttm) Range
Min: 3.24  Med: 13.37 Max: 303.57
Current: 18.03
3.24
303.57
PE(NRI) 18.10
ASFI's PE(NRI) is ranked lower than
185% of the 512 Companies
in the Global Business Services industry.

( Industry Median: 21.10 vs. ASFI: 18.10 )
Ranked among companies with meaningful PE(NRI) only.
ASFI' s 10-Year PE(NRI) Range
Min: 3.23  Med: 13.35 Max: 283.33
Current: 18.1
3.23
283.33
P/B 0.59
ASFI's P/B is ranked lower than
138% of the 684 Companies
in the Global Business Services industry.

( Industry Median: 2.38 vs. ASFI: 0.59 )
Ranked among companies with meaningful P/B only.
ASFI' s 10-Year P/B Range
Min: 0.07  Med: 0.72 Max: 3.43
Current: 0.59
0.07
3.43
P/S 1.76
ASFI's P/S is ranked lower than
126% of the 750 Companies
in the Global Business Services industry.

( Industry Median: 1.34 vs. ASFI: 1.76 )
Ranked among companies with meaningful P/S only.
ASFI' s 10-Year P/S Range
Min: 0.18  Med: 2.96 Max: 14.73
Current: 1.76
0.18
14.73
EV-to-EBIT 10.49
ASFI's EV-to-EBIT is ranked lower than
173% of the 548 Companies
in the Global Business Services industry.

( Industry Median: 15.15 vs. ASFI: 10.49 )
Ranked among companies with meaningful EV-to-EBIT only.
ASFI' s 10-Year EV-to-EBIT Range
Min: -105.5  Med: 10.40 Max: 103.7
Current: 10.49
-105.5
103.7
Days Sales Outstanding 135.31
ASFI's Days Sales Outstanding is ranked lower than
156% of the 606 Companies
in the Global Business Services industry.

( Industry Median: 56.10 vs. ASFI: 135.31 )
Ranked among companies with meaningful Days Sales Outstanding only.
ASFI' s 10-Year Days Sales Outstanding Range
Min: 15.17  Med: 689.02 Max: 1625.52
Current: 135.31
15.17
1625.52

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.05
ASFI's Dividend Yield is ranked lower than
82% of the 683 Companies
in the Global Business Services industry.

( Industry Median: 2.15 vs. ASFI: 1.05 )
Ranked among companies with meaningful Dividend Yield only.
ASFI' s 10-Year Dividend Yield Range
Min: 0.36  Med: 0.94 Max: 12.84
Current: 1.05
0.36
12.84
Dividend growth (3y) -100.00
ASFI's Dividend growth (3y) is ranked lower than
385% of the 246 Companies
in the Global Business Services industry.

( Industry Median: 7.70 vs. ASFI: -100.00 )
Ranked among companies with meaningful Dividend growth (3y) only.
ASFI' s 10-Year Dividend growth (3y) Range
Min: 0  Med: 0.00 Max: 85.7
Current: -100
0
85.7
Yield on cost (5-Year) 1.05
ASFI's Yield on cost (5-Year) is ranked lower than
84% of the 691 Companies
in the Global Business Services industry.

( Industry Median: 2.31 vs. ASFI: 1.05 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
ASFI' s 10-Year Yield on cost (5-Year) Range
Min: 0.36  Med: 0.94 Max: 12.84
Current: 1.05
0.36
12.84
Share Buyback Rate 3.80
ASFI's Share Buyback Rate is ranked lower than
215% of the 441 Companies
in the Global Business Services industry.

( Industry Median: -1.20 vs. ASFI: 3.80 )
Ranked among companies with meaningful Share Buyback Rate only.
ASFI' s 10-Year Share Buyback Rate Range
Min: 3.8  Med: -1.30 Max: -21.7
Current: 3.8

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.60
ASFI's Price/Tangible Book is ranked lower than
175% of the 541 Companies
in the Global Business Services industry.

( Industry Median: 2.90 vs. ASFI: 0.60 )
Ranked among companies with meaningful Price/Tangible Book only.
ASFI' s 10-Year Price/Tangible Book Range
Min: 0.15  Med: 1.10 Max: 4.53
Current: 0.6
0.15
4.53
Price/Projected FCF 0.35
ASFI's Price/Projected FCF is ranked lower than
253% of the 375 Companies
in the Global Business Services industry.

( Industry Median: 1.36 vs. ASFI: 0.35 )
Ranked among companies with meaningful Price/Projected FCF only.
ASFI' s 10-Year Price/Projected FCF Range
Min: 0.07  Med: 0.41 Max: 2.06
Current: 0.35
0.07
2.06
Price/Median PS Value 0.59
ASFI's Price/Median PS Value is ranked lower than
143% of the 660 Companies
in the Global Business Services industry.

( Industry Median: 1.17 vs. ASFI: 0.59 )
Ranked among companies with meaningful Price/Median PS Value only.
ASFI' s 10-Year Price/Median PS Value Range
Min: 0.16  Med: 0.93 Max: 3.97
Current: 0.59
0.16
3.97
Price/Peter Lynch Fair Value 0.58
ASFI's Price/Peter Lynch Fair Value is ranked lower than
574% of the 165 Companies
in the Global Business Services industry.

( Industry Median: 1.50 vs. ASFI: 0.58 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
ASFI' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.17  Med: 0.47 Max: 1.29
Current: 0.58
0.17
1.29
Price/Graham Number 0.68
ASFI's Price/Graham Number is ranked lower than
239% of the 397 Companies
in the Global Business Services industry.

( Industry Median: 1.79 vs. ASFI: 0.68 )
Ranked among companies with meaningful Price/Graham Number only.
ASFI' s 10-Year Price/Graham Number Range
Min: 0.31  Med: 0.78 Max: 1.59
Current: 0.68
0.31
1.59
Earnings Yield (Greenblatt) (%) 9.44
ASFI's Earnings Yield (Greenblatt) (%) is ranked lower than
131% of the 725 Companies
in the Global Business Services industry.

( Industry Median: 4.80 vs. ASFI: 9.44 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
ASFI' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 1  Med: 8.70 Max: 18.9
Current: 9.44
1
18.9
Forward Rate of Return (Yacktman) (%) 95.65
ASFI's Forward Rate of Return (Yacktman) (%) is ranked lower than
269% of the 352 Companies
in the Global Business Services industry.

( Industry Median: 11.30 vs. ASFI: 95.65 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
ASFI' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -16.1  Med: 36.45 Max: 266.2
Current: 95.65
-16.1
266.2

Analyst Estimate

Sep15
EPS($) 0.70
EPS without NRI($) 0.70

Business Description

Industry: Business Services » Business Services
Compare:ADP, G, ENV, CMPGY, SGSOY » details
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. 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 large 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 extensive federal and state regulations.
» 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 
GFocus contributor, Aug 27 2011 
Asta Funding (ASFI)- the short case???? Aug 26 2011 
Asta Funding (ASFI)- the short case???? Aug 26 2011 
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 

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