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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 : 3/10

vs
industry
vs
history
Cash to Debt 0.26
AUTCF's Cash to Debt is ranked lower than
72% of the 360 Companies
in the Global Credit Services industry.

( Industry Median: 54.34 vs. AUTCF: 0.26 )
Ranked among companies with meaningful Cash to Debt only.
AUTCF' s Cash to Debt Range Over the Past 10 Years
Min: 0.08  Med: 1.55 Max: No Debt
Current: 0.26
Equity to Asset 0.31
AUTCF's Equity to Asset is ranked lower than
59% of the 263 Companies
in the Global Credit Services industry.

( Industry Median: 0.38 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
F-Score: 7
Z-Score: 0.67
WACC vs ROIC
2.38%
-0.40%
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 : 4/10

vs
industry
vs
history
Operating margin (%) -34.21
AUTCF's Operating margin (%) is ranked lower than
91% of the 355 Companies
in the Global Credit Services industry.

( Industry Median: 20.58 vs. AUTCF: -34.21 )
Ranked among companies with meaningful Operating margin (%) only.
AUTCF' s Operating margin (%) Range Over the Past 10 Years
Min: -1543.95  Med: 4.9 Max: 9.71
Current: -34.21
-1543.95
9.71
Net-margin (%) 100.71
AUTCF's Net-margin (%) is ranked higher than
97% of the 355 Companies
in the Global Credit Services industry.

( Industry Median: 14.79 vs. AUTCF: 100.71 )
Ranked among companies with meaningful Net-margin (%) only.
AUTCF' s Net-margin (%) Range Over the Past 10 Years
Min: -16.34  Med: 10.89 Max: 1744.54
Current: 100.71
-16.34
1744.54
ROE (%) 2.33
AUTCF's ROE (%) is ranked lower than
68% of the 352 Companies
in the Global Credit Services industry.

( Industry Median: 6.87 vs. AUTCF: 2.33 )
Ranked among companies with meaningful ROE (%) only.
AUTCF' s ROE (%) Range Over the Past 10 Years
Min: -1150  Med: 3.94 Max: 26.53
Current: 2.33
-1150
26.53
ROA (%) 0.82
AUTCF's ROA (%) is ranked lower than
66% of the 366 Companies
in the Global Credit Services industry.

( Industry Median: 2.42 vs. AUTCF: 0.82 )
Ranked among companies with meaningful ROA (%) only.
AUTCF' s ROA (%) Range Over the Past 10 Years
Min: -22.33  Med: 1.74 Max: 8.91
Current: 0.82
-22.33
8.91
ROC (Joel Greenblatt) (%) 6.08
AUTCF's ROC (Joel Greenblatt) (%) is ranked lower than
63% of the 284 Companies
in the Global Credit Services industry.

( Industry Median: 15.61 vs. AUTCF: 6.08 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
AUTCF' s ROC (Joel Greenblatt) (%) Range Over the Past 10 Years
Min: -374.84  Med: -4.67 Max: 53.41
Current: 6.08
-374.84
53.41
Revenue Growth (3Y)(%) -45.00
AUTCF's Revenue Growth (3Y)(%) is ranked lower than
92% of the 251 Companies
in the Global Credit Services industry.

( Industry Median: 4.20 vs. AUTCF: -45.00 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
AUTCF' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: -58.45 Max: 75.5
Current: -45
0
75.5
EBITDA Growth (3Y)(%) -15.90
AUTCF's EBITDA Growth (3Y)(%) is ranked lower than
82% of the 215 Companies
in the Global Credit Services industry.

( Industry Median: 6.10 vs. AUTCF: -15.90 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
AUTCF' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -27.9  Med: 57.25 Max: 373
Current: -15.9
-27.9
373
EPS Growth (3Y)(%) -85.50
AUTCF's EPS Growth (3Y)(%) is ranked lower than
99% of the 216 Companies
in the Global Credit Services industry.

( Industry Median: 1.70 vs. AUTCF: -85.50 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
AUTCF' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -85.5  Med: 29.8 Max: 454.5
Current: -85.5
-85.5
454.5
» AUTCF's 10-Y Financials

Financials


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

» Details

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Business Description

Industry: Credit Services » Credit Services
Compare:NAS:NEWS, NYSE:AGM, NAS:EZPW, NAS:WRLD, NYSE:ONDK, NAS:MGI, NYSE:ENVA, NYSE:RM, NYSE:PHH, NYSE:TCAP, NAS:CLDC, NAS:FSC, NAS:ASFI, OTCPK:INPCF, NAS:CPSS, NAS:MFIN, NAS:SNFCA, NAS:NICK, OTCPK:HTZZF, OTCPK:IEGH » details
Fincera Inc provides internet-based financing solutions for small and medium-sized businesses in China's transportation industry. Its services include commercial vehicle financing, small business lending, B2B payment solutions, and ecommerce platforms.

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.

Ratios

vs
industry
vs
history
P/E(ttm) 112.50
AUTCF's P/E(ttm) is ranked lower than
87% of the 285 Companies
in the Global Credit Services industry.

( Industry Median: 16.75 vs. AUTCF: 112.50 )
Ranked among companies with meaningful P/E(ttm) only.
AUTCF' s P/E(ttm) Range Over the Past 10 Years
Min: 4.57  Med: 27.5 Max: 125
Current: 112.5
4.57
125
P/B 2.46
AUTCF's P/B is ranked lower than
73% of the 266 Companies
in the Global Credit Services industry.

( Industry Median: 1.28 vs. AUTCF: 2.46 )
Ranked among companies with meaningful P/B only.
AUTCF' s P/B Range Over the Past 10 Years
Min: 0.56  Med: 2.39 Max: 9.73
Current: 2.46
0.56
9.73
P/S 117.39
AUTCF's P/S is ranked lower than
95% of the 330 Companies
in the Global Credit Services industry.

( Industry Median: 3.60 vs. AUTCF: 117.39 )
Ranked among companies with meaningful P/S only.
AUTCF' s P/S Range Over the Past 10 Years
Min: 0.27  Med: 1.1 Max: 150.38
Current: 117.39
0.27
150.38
PFCF 1.82
AUTCF's PFCF is ranked higher than
87% of the 72 Companies
in the Global Credit Services industry.

( Industry Median: 8.34 vs. AUTCF: 1.82 )
Ranked among companies with meaningful PFCF only.
AUTCF' s PFCF Range Over the Past 10 Years
Min: 0.75  Med: 3.14 Max: 70
Current: 1.82
0.75
70
POCF 1.80
AUTCF's POCF is ranked higher than
89% of the 92 Companies
in the Global Credit Services industry.

( Industry Median: 8.06 vs. AUTCF: 1.80 )
Ranked among companies with meaningful POCF only.
AUTCF' s POCF Range Over the Past 10 Years
Min: 0.61  Med: 2.63 Max: 62.39
Current: 1.8
0.61
62.39
EV-to-EBIT 34.86
AUTCF's EV-to-EBIT is ranked lower than
68% of the 274 Companies
in the Global Credit Services industry.

( Industry Median: 18.93 vs. AUTCF: 34.86 )
Ranked among companies with meaningful EV-to-EBIT only.
AUTCF' s EV-to-EBIT Range Over the Past 10 Years
Min: -79.1  Med: 4.8 Max: 97.1
Current: 34.86
-79.1
97.1
EV-to-EBITDA 34.86
AUTCF's EV-to-EBITDA is ranked lower than
69% of the 278 Companies
in the Global Credit Services industry.

( Industry Median: 16.00 vs. AUTCF: 34.86 )
Ranked among companies with meaningful EV-to-EBITDA only.
AUTCF' s EV-to-EBITDA Range Over the Past 10 Years
Min: -79.1  Med: 4.8 Max: 97.1
Current: 34.86
-79.1
97.1
Current Ratio 1.30
AUTCF's Current Ratio is ranked lower than
73% of the 171 Companies
in the Global Credit Services industry.

( Industry Median: 2.31 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: 1.38 Max: 27.88
Current: 1.3
1.01
27.88
Quick Ratio 1.30
AUTCF's Quick Ratio is ranked lower than
72% of the 171 Companies
in the Global Credit Services industry.

( Industry Median: 2.20 vs. AUTCF: 1.30 )
Ranked among companies with meaningful Quick Ratio only.
AUTCF' s Quick Ratio Range Over the Past 10 Years
Min: 0.87  Med: 1.37 Max: 27.88
Current: 1.3
0.87
27.88
Days Sales Outstanding 31.00
AUTCF's Days Sales Outstanding is ranked lower than
60% of the 134 Companies
in the Global Credit Services industry.

( Industry Median: 10.00 vs. AUTCF: 31.00 )
Ranked among companies with meaningful Days Sales Outstanding only.
AUTCF' s Days Sales Outstanding Range Over the Past 10 Years
Min: 2.67  Med: 25.79 Max: 15036.6
Current: 31
2.67
15036.6

Buy Back

vs
industry
vs
history
3-Year Average Share Buyback Ratio 26.30
AUTCF's 3-Year Average Share Buyback Ratio is ranked higher than
99% of the 137 Companies
in the Global Credit Services industry.

( Industry Median: -2.90 vs. AUTCF: 26.30 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
AUTCF' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -147.5  Med: -2 Max: 26.3
Current: 26.3
-147.5
26.3

Valuation & Return

vs
industry
vs
history
Price/Net Current Asset Value 3.87
AUTCF's Price/Net Current Asset Value is ranked lower than
62% of the 94 Companies
in the Global Credit Services industry.

( Industry Median: 2.10 vs. AUTCF: 3.87 )
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: 3.87
0.85
43.13
Price/Tangible Book 2.46
AUTCF's Price/Tangible Book is ranked lower than
70% of the 258 Companies
in the Global Credit Services industry.

( Industry Median: 1.36 vs. AUTCF: 2.46 )
Ranked among companies with meaningful Price/Tangible Book only.
AUTCF' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.65  Med: 2.51 Max: 5.41
Current: 2.46
0.65
5.41
Price/Projected FCF 1.09
AUTCF's Price/Projected FCF is ranked lower than
59% of the 79 Companies
in the Global Credit Services industry.

( Industry Median: 0.98 vs. AUTCF: 1.09 )
Ranked among companies with meaningful Price/Projected FCF only.
AUTCF' s Price/Projected FCF Range Over the Past 10 Years
Min: 1.09  Med: 1.18 Max: 1.25
Current: 1.09
1.09
1.25
Price/Median PS Value 108.00
AUTCF's Price/Median PS Value is ranked lower than
99% of the 309 Companies
in the Global Credit Services industry.

( Industry Median: 0.99 vs. AUTCF: 108.00 )
Ranked among companies with meaningful Price/Median PS Value only.
AUTCF' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.29  Med: 0.87 Max: 133.33
Current: 108
0.29
133.33
Earnings Yield (Greenblatt) (%) 2.92
AUTCF's Earnings Yield (Greenblatt) (%) is ranked lower than
54% of the 341 Companies
in the Global Credit Services industry.

( Industry Median: 3.50 vs. AUTCF: 2.92 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
AUTCF' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 1  Med: 7.7 Max: 34.3
Current: 2.92
1
34.3

More Statistics

Revenue (TTM) (Mil) $6.05
EPS (TTM) $ 0.24
Beta-0.04
Short Percentage of Float1.14%
52-Week Range $18.00 - 31.99
Shares Outstanding (Mil)23.55
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