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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 : 7/10

vs
industry
vs
history
Cash to Debt 0.83
AUTCF's Cash to Debt is ranked lower than
63% of the 312 Companies
in the Global Credit Services industry.

( Industry Median: 9999.00 vs. AUTCF: 0.83 )
Ranked among companies with meaningful Cash to Debt only.
AUTCF' s Cash to Debt Range Over the Past 10 Years
Min: 0.08  Med: 1.77 Max: No Debt
Current: 0.83
Equity to Asset 0.31
AUTCF's Equity to Asset is ranked lower than
65% of the 315 Companies
in the Global Credit Services industry.

( Industry Median: 0.46 vs. AUTCF: 0.31 )
Ranked among companies with meaningful Equity to Asset only.
AUTCF' s Equity to Asset Range Over the Past 10 Years
Min: 0.17  Med: 0.43 Max: 0.64
Current: 0.31
0.17
0.64
Interest Coverage 0.53
AUTCF's Interest Coverage is ranked lower than
84% of the 264 Companies
in the Global Credit Services industry.

( Industry Median: 3.91 vs. AUTCF: 0.53 )
Ranked among companies with meaningful Interest Coverage only.
AUTCF' s Interest Coverage Range Over the Past 10 Years
Min: 0.68  Med: 2.91 Max: 9999.99
Current: 0.53
0.68
9999.99
F-Score: 3
Z-Score: 1.32
WACC vs ROIC
4.64%
4.47%
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 : 6/10

vs
industry
vs
history
Operating margin (%) 3.32
AUTCF's Operating margin (%) is ranked lower than
74% of the 330 Companies
in the Global Credit Services industry.

( Industry Median: 20.27 vs. AUTCF: 3.32 )
Ranked among companies with meaningful Operating margin (%) only.
AUTCF' s Operating margin (%) Range Over the Past 10 Years
Min: 1.91  Med: 6.09 Max: 9.71
Current: 3.32
1.91
9.71
Net-margin (%) 2.60
AUTCF's Net-margin (%) is ranked lower than
73% of the 331 Companies
in the Global Credit Services industry.

( Industry Median: 15.40 vs. AUTCF: 2.60 )
Ranked among companies with meaningful Net-margin (%) only.
AUTCF' s Net-margin (%) Range Over the Past 10 Years
Min: -16.34  Med: 1.80 Max: 22.16
Current: 2.6
-16.34
22.16
ROE (%) 3.96
AUTCF's ROE (%) is ranked lower than
61% of the 319 Companies
in the Global Credit Services industry.

( Industry Median: 6.80 vs. AUTCF: 3.96 )
Ranked among companies with meaningful ROE (%) only.
AUTCF' s ROE (%) Range Over the Past 10 Years
Min: -96.18  Med: 4.92 Max: 26.53
Current: 3.96
-96.18
26.53
ROA (%) 1.55
AUTCF's ROA (%) is ranked lower than
58% of the 337 Companies
in the Global Credit Services industry.

( Industry Median: 2.29 vs. AUTCF: 1.55 )
Ranked among companies with meaningful ROA (%) only.
AUTCF' s ROA (%) Range Over the Past 10 Years
Min: -22.33  Med: 2.38 Max: 8.91
Current: 1.55
-22.33
8.91
ROC (Joel Greenblatt) (%) 18.40
AUTCF's ROC (Joel Greenblatt) (%) is ranked higher than
56% of the 258 Companies
in the Global Credit Services industry.

( Industry Median: 13.47 vs. AUTCF: 18.40 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
AUTCF' s ROC (Joel Greenblatt) (%) Range Over the Past 10 Years
Min: -374.84  Med: 17.67 Max: 53.41
Current: 18.4
-374.84
53.41
Revenue Growth (3Y)(%) 10.40
AUTCF's Revenue Growth (3Y)(%) is ranked higher than
64% of the 236 Companies
in the Global Credit Services industry.

( Industry Median: 2.50 vs. AUTCF: 10.40 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
AUTCF' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: -1.10 Max: 138.2
Current: 10.4
0
138.2
EBITDA Growth (3Y)(%) -11.20
AUTCF's EBITDA Growth (3Y)(%) is ranked lower than
74% of the 203 Companies
in the Global Credit Services industry.

( Industry Median: 7.90 vs. AUTCF: -11.20 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
AUTCF' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -11.2  Med: 212.70 Max: 542.1
Current: -11.2
-11.2
542.1
EPS Growth (3Y)(%) -27.30
AUTCF's EPS Growth (3Y)(%) is ranked lower than
83% of the 206 Companies
in the Global Credit Services industry.

( Industry Median: 4.80 vs. AUTCF: -27.30 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
AUTCF' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -27.3  Med: 164.50 Max: 652.6
Current: -27.3
-27.3
652.6
» AUTCF's 10-Y Financials

Financials


Revenue & Net Income
Cash & Debt
Oprt. Cash Flow & Free Cash Flow

» Details

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Ratios

vs
industry
vs
history
P/E(ttm) 60.93
AUTCF's P/E(ttm) is ranked lower than
84% of the 258 Companies
in the Global Credit Services industry.

( Industry Median: 14.39 vs. AUTCF: 60.93 )
Ranked among companies with meaningful P/E(ttm) only.
AUTCF' s P/E(ttm) Range Over the Past 10 Years
Min: 3.99  Med: 25.60 Max: 68.24
Current: 60.93
3.99
68.24
PE(NRI) 62.38
AUTCF's PE(NRI) is ranked lower than
85% of the 259 Companies
in the Global Credit Services industry.

( Industry Median: 14.29 vs. AUTCF: 62.38 )
Ranked among companies with meaningful PE(NRI) only.
AUTCF' s PE(NRI) Range Over the Past 10 Years
Min: 4.11  Med: 25.50 Max: 69.05
Current: 62.38
4.11
69.05
P/B 2.39
AUTCF's P/B is ranked lower than
77% of the 311 Companies
in the Global Credit Services industry.

( Industry Median: 1.07 vs. AUTCF: 2.39 )
Ranked among companies with meaningful P/B only.
AUTCF' s P/B Range Over the Past 10 Years
Min: 0.56  Med: 2.31 Max: 9.73
Current: 2.39
0.56
9.73
P/S 1.57
AUTCF's P/S is ranked higher than
74% of the 313 Companies
in the Global Credit Services industry.

( Industry Median: 3.04 vs. AUTCF: 1.57 )
Ranked among companies with meaningful P/S only.
AUTCF' s P/S Range Over the Past 10 Years
Min: 0.15  Med: 0.67 Max: 1.98
Current: 1.57
0.15
1.98
EV-to-EBIT 17.47
AUTCF's EV-to-EBIT is ranked lower than
54% of the 254 Companies
in the Global Credit Services industry.

( Industry Median: 16.31 vs. AUTCF: 17.47 )
Ranked among companies with meaningful EV-to-EBIT only.
AUTCF' s EV-to-EBIT Range Over the Past 10 Years
Min: -9.6  Med: 10.10 Max: 97.1
Current: 17.47
-9.6
97.1
EV-to-EBITDA 17.47
AUTCF's EV-to-EBITDA is ranked lower than
55% of the 261 Companies
in the Global Credit Services industry.

( Industry Median: 15.60 vs. AUTCF: 17.47 )
Ranked among companies with meaningful EV-to-EBITDA only.
AUTCF' s EV-to-EBITDA Range Over the Past 10 Years
Min: -9.6  Med: 10.10 Max: 97.1
Current: 17.47
-9.6
97.1
Current Ratio 1.30
AUTCF's Current Ratio is ranked lower than
74% of the 152 Companies
in the Global Credit Services industry.

( Industry Median: 2.29 vs. AUTCF: 1.30 )
Ranked among companies with meaningful Current Ratio only.
AUTCF' s Current Ratio Range Over the Past 10 Years
Min: 1.01  Med: 1.39 Max: 27.88
Current: 1.3
1.01
27.88
Quick Ratio 1.29
AUTCF's Quick Ratio is ranked lower than
74% of the 152 Companies
in the Global Credit Services industry.

( Industry Median: 2.25 vs. AUTCF: 1.29 )
Ranked among companies with meaningful Quick Ratio only.
AUTCF' s Quick Ratio Range Over the Past 10 Years
Min: 0.87  Med: 1.38 Max: 27.88
Current: 1.29
0.87
27.88
Days Inventory 6.00
AUTCF's Days Inventory is ranked higher than
70% of the 63 Companies
in the Global Credit Services industry.

( Industry Median: 24.27 vs. AUTCF: 6.00 )
Ranked among companies with meaningful Days Inventory only.
AUTCF' s Days Inventory Range Over the Past 10 Years
Min: 0.53  Med: 2.53 Max: 7.04
Current: 6
0.53
7.04
Days Sales Outstanding 47.97
AUTCF's Days Sales Outstanding is ranked lower than
62% of the 159 Companies
in the Global Credit Services industry.

( Industry Median: 20.81 vs. AUTCF: 47.97 )
Ranked among companies with meaningful Days Sales Outstanding only.
AUTCF' s Days Sales Outstanding Range Over the Past 10 Years
Min: 2.67  Med: 13.05 Max: 36.11
Current: 47.97
2.67
36.11
Days Payable 27.35
AUTCF's Days Payable is ranked higher than
62% of the 53 Companies
in the Global Credit Services industry.

( Industry Median: 17.48 vs. AUTCF: 27.35 )
Ranked among companies with meaningful Days Payable only.
AUTCF' s Days Payable Range Over the Past 10 Years
Min: 0.3  Med: 11.78 Max: 151.32
Current: 27.35
0.3
151.32

Valuation & Return

vs
industry
vs
history
Price/Net Current Asset Value 3.67
AUTCF's Price/Net Current Asset Value is ranked lower than
60% of the 84 Companies
in the Global Credit Services industry.

( Industry Median: 2.48 vs. AUTCF: 3.67 )
Ranked among companies with meaningful Price/Net Current Asset Value only.
AUTCF' s Price/Net Current Asset Value Range Over the Past 10 Years
Min: 0.85  Med: 7.06 Max: 43.13
Current: 3.67
0.85
43.13
Price/Tangible Book 2.39
AUTCF's Price/Tangible Book is ranked lower than
75% of the 308 Companies
in the Global Credit Services industry.

( Industry Median: 1.14 vs. AUTCF: 2.39 )
Ranked among companies with meaningful Price/Tangible Book only.
AUTCF' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.65  Med: 2.23 Max: 5.41
Current: 2.39
0.65
5.41
Price/Median PS Value 2.34
AUTCF's Price/Median PS Value is ranked lower than
91% of the 285 Companies
in the Global Credit Services industry.

( Industry Median: 0.94 vs. AUTCF: 2.34 )
Ranked among companies with meaningful Price/Median PS Value only.
AUTCF' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.26  Med: 0.98 Max: 2.22
Current: 2.34
0.26
2.22
Price/Graham Number 2.58
AUTCF's Price/Graham Number is ranked lower than
83% of the 173 Companies
in the Global Credit Services industry.

( Industry Median: 0.90 vs. AUTCF: 2.58 )
Ranked among companies with meaningful Price/Graham Number only.
AUTCF' s Price/Graham Number Range Over the Past 10 Years
Min: 0.53  Med: 1.57 Max: 2.25
Current: 2.58
0.53
2.25
Earnings Yield (Greenblatt) (%) 5.70
AUTCF's Earnings Yield (Greenblatt) (%) is ranked higher than
57% of the 320 Companies
in the Global Credit Services industry.

( Industry Median: 4.20 vs. AUTCF: 5.70 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
AUTCF' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 1  Med: 8.40 Max: 909.3
Current: 5.7
1
909.3

More Statistics

Revenue(Mil) $400
EPS $ 0.43
Beta0.33
Short Percentage of Float1.14%
52-Week Range $18.00 - 29.00
Shares Outstanding(Mil)23.55

Business Description

Industry: Credit Services » Credit Services
Compare:NYSE:PHH, ASX:FXL, BKK:KTC, BKK:AEONTS, TSE:8584, BOM:500106 » details
Fincera Inc was incorporated on October 16, 2007. The Company owns and operates commercial vehicle sales, servicing, leasing, and support network. It has a network of 546 stores. The Company provides sales-type leases that include after-sales service and support for Class 8 heavy trucks. Its customers can select to lease a truck of any make or model. As a result, the mix of trucks it leases tend to follow general market trends in China and currently includes trucks from manufacturers such as Sinotruk Limited, FAW Group Corporation, Beiqi Foton Motor Co., Ltd., Dongfeng Motor Corporation, Shaanxi Automobile Group, and SAIC-Iveco Hongyan Commercial Vehicle Company. During the lease term it owns and are the legally titled owner of the vehicle. At the expiration of the lease, when the customer has fully paid for the vehicle, the ownership and title of the vehicle are transferred to the customer. The Company's standard sales-type lease program currently includes a number of services that it charges a membership fee for, such as licensing and permit services, insurance services, registration services, and access to its store branch network for support services. Kaiyuan Auto is a trademark, service mark & trade name of the Company.
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