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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 : 4/10

vs
industry
vs
history
Cash-to-Debt 0.13
AUTCF's Cash-to-Debt is ranked lower than
77% of the 371 Companies
in the Global Credit Services industry.

( Industry Median: 9999.00 vs. AUTCF: 0.13 )
Ranked among companies with meaningful Cash-to-Debt only.
AUTCF' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.08  Med: 1.25 Max: No Debt
Current: 0.13
Equity-to-Asset 0.26
AUTCF's Equity-to-Asset is ranked lower than
70% of the 349 Companies
in the Global Credit Services industry.

( Industry Median: 0.45 vs. AUTCF: 0.26 )
Ranked among companies with meaningful Equity-to-Asset only.
AUTCF' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.17  Med: 0.42 Max: 0.64
Current: 0.26
0.17
0.64
Interest Coverage 0.20
AUTCF's Interest Coverage is ranked lower than
97% of the 406 Companies
in the Global Credit Services industry.

( Industry Median: 6.77 vs. AUTCF: 0.20 )
Ranked among companies with meaningful Interest Coverage only.
AUTCF' s Interest Coverage Range Over the Past 10 Years
Min: 0.01  Med: 2.99 Max: No Debt
Current: 0.2
Piotroski F-Score: 6
Altman Z-Score: 0.97
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 % 6.92
AUTCF's Operating Margin % is ranked lower than
68% of the 366 Companies
in the Global Credit Services industry.

( Industry Median: 17.59 vs. AUTCF: 6.92 )
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: 6.92
-1543.95
9.71
Net Margin % 3.52
AUTCF's Net Margin % is ranked lower than
69% of the 367 Companies
in the Global Credit Services industry.

( Industry Median: 11.84 vs. AUTCF: 3.52 )
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: 3.52
-16.34
1744.54
ROE % 1.45
AUTCF's ROE % is ranked lower than
68% of the 371 Companies
in the Global Credit Services industry.

( Industry Median: 6.48 vs. AUTCF: 1.45 )
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: 1.45
-1150
26.53
ROA % 0.43
AUTCF's ROA % is ranked lower than
69% of the 381 Companies
in the Global Credit Services industry.

( Industry Median: 2.22 vs. AUTCF: 0.43 )
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: 0.43
-22.33
8.91
ROC (Joel Greenblatt) % 7.60
AUTCF's ROC (Joel Greenblatt) % is ranked lower than
60% of the 307 Companies
in the Global Credit Services industry.

( Industry Median: 13.70 vs. AUTCF: 7.60 )
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: 7.6
-374.84
53.41
3-Year Revenue Growth Rate -45.00
AUTCF's 3-Year Revenue Growth Rate is ranked lower than
92% of the 279 Companies
in the Global Credit Services industry.

( Industry Median: 4.50 vs. AUTCF: -45.00 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
AUTCF' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: 0  Med: -58.45 Max: 75.5
Current: -45
0
75.5
3-Year EBITDA Growth Rate -15.90
AUTCF's 3-Year EBITDA Growth Rate is ranked lower than
82% of the 245 Companies
in the Global Credit Services industry.

( Industry Median: 7.40 vs. AUTCF: -15.90 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
AUTCF' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -27.9  Med: 57.25 Max: 373
Current: -15.9
-27.9
373
3-Year EPS without NRI Growth Rate -85.50
AUTCF's 3-Year EPS without NRI Growth Rate is ranked lower than
99% of the 235 Companies
in the Global Credit Services industry.

( Industry Median: 1.70 vs. AUTCF: -85.50 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
AUTCF' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -85.5  Med: 29.8 Max: 454.5
Current: -85.5
-85.5
454.5
GuruFocus has detected 9 Warning Signs with Fincera Inc $AUTCF.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» AUTCF's 10-Y Financials

Financials


Revenue & Net Income
Cash & Debt
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

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Business Description

Industry: Credit Services » Credit Services  
Compare:NYSE:TCAP, NAS:QIWI, NAS:MGI, NYSE:PHH, NAS:FSC, OTCPK:ALARF, NYSE:AGM, OTCPK:ECNCF, NYSE:CSH, NAS:NEWS, NYSE:ENVA, NAS:EZPW, NAS:WRLD, NYSE:ONDK, NYSE:RM, NAS:CLDC, OTCPK:CCGN, OTCPK:FASGF, NYSE:YRD, NAS:CPSS » 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
PE Ratio 258.46
AUTCF's PE Ratio is ranked lower than
94% of the 410 Companies
in the Global Credit Services industry.

( Industry Median: 15.20 vs. AUTCF: 258.46 )
Ranked among companies with meaningful PE Ratio only.
AUTCF' s PE Ratio Range Over the Past 10 Years
Min: 4.57  Med: 31.36 Max: 272.73
Current: 258.46
4.57
272.73
PE Ratio without NRI 168.00
AUTCF's PE Ratio without NRI is ranked lower than
92% of the 351 Companies
in the Global Credit Services industry.

( Industry Median: 15.39 vs. AUTCF: 168.00 )
Ranked among companies with meaningful PE Ratio without NRI only.
AUTCF' s PE Ratio without NRI Range Over the Past 10 Years
Min: 7.61  Med: 26.2 Max: 263.64
Current: 168
7.61
263.64
PB Ratio 3.16
AUTCF's PB Ratio is ranked lower than
80% of the 441 Companies
in the Global Credit Services industry.

( Industry Median: 1.30 vs. AUTCF: 3.16 )
Ranked among companies with meaningful PB Ratio only.
AUTCF' s PB Ratio Range Over the Past 10 Years
Min: 0.56  Med: 2.47 Max: 9.73
Current: 3.16
0.56
9.73
PS Ratio 7.75
AUTCF's PS Ratio is ranked lower than
74% of the 439 Companies
in the Global Credit Services industry.

( Industry Median: 3.24 vs. AUTCF: 7.75 )
Ranked among companies with meaningful PS Ratio only.
AUTCF' s PS Ratio Range Over the Past 10 Years
Min: 0.27  Med: 1.22 Max: 150.38
Current: 7.75
0.27
150.38
Price-to-Free-Cash-Flow 10.77
AUTCF's Price-to-Free-Cash-Flow is ranked lower than
51% of the 117 Companies
in the Global Credit Services industry.

( Industry Median: 10.10 vs. AUTCF: 10.77 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
AUTCF' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 0.75  Med: 3.52 Max: 62.39
Current: 10.77
0.75
62.39
Price-to-Operating-Cash-Flow 10.73
AUTCF's Price-to-Operating-Cash-Flow is ranked lower than
55% of the 148 Companies
in the Global Credit Services industry.

( Industry Median: 9.08 vs. AUTCF: 10.73 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
AUTCF' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 0.61  Med: 2.89 Max: 62.39
Current: 10.73
0.61
62.39
EV-to-EBIT 31.18
AUTCF's EV-to-EBIT is ranked lower than
71% of the 420 Companies
in the Global Credit Services industry.

( Industry Median: 18.27 vs. AUTCF: 31.18 )
Ranked among companies with meaningful EV-to-EBIT only.
AUTCF' s EV-to-EBIT Range Over the Past 10 Years
Min: -77  Med: 6.9 Max: 97.1
Current: 31.18
-77
97.1
EV-to-EBITDA 31.18
AUTCF's EV-to-EBITDA is ranked lower than
74% of the 429 Companies
in the Global Credit Services industry.

( Industry Median: 14.96 vs. AUTCF: 31.18 )
Ranked among companies with meaningful EV-to-EBITDA only.
AUTCF' s EV-to-EBITDA Range Over the Past 10 Years
Min: -77  Med: 6.8 Max: 97.1
Current: 31.18
-77
97.1
Current Ratio 1.23
AUTCF's Current Ratio is ranked lower than
77% of the 175 Companies
in the Global Credit Services industry.

( Industry Median: 2.74 vs. AUTCF: 1.23 )
Ranked among companies with meaningful Current Ratio only.
AUTCF' s Current Ratio Range Over the Past 10 Years
Min: 1.01  Med: 1.37 Max: 27.88
Current: 1.23
1.01
27.88
Quick Ratio 1.23
AUTCF's Quick Ratio is ranked lower than
74% of the 175 Companies
in the Global Credit Services industry.

( Industry Median: 2.59 vs. AUTCF: 1.23 )
Ranked among companies with meaningful Quick Ratio only.
AUTCF' s Quick Ratio Range Over the Past 10 Years
Min: 0.87  Med: 1.36 Max: 27.88
Current: 1.23
0.87
27.88
Days Inventory 477.73
AUTCF's Days Inventory is ranked lower than
97% of the 90 Companies
in the Global Credit Services industry.

( Industry Median: 19.72 vs. AUTCF: 477.73 )
Ranked among companies with meaningful Days Inventory only.
AUTCF' s Days Inventory Range Over the Past 10 Years
Min: 0.53  Med: 6.92 Max: 1616.6
Current: 477.73
0.53
1616.6
Days Sales Outstanding 2.00
AUTCF's Days Sales Outstanding is ranked higher than
75% of the 184 Companies
in the Global Credit Services industry.

( Industry Median: 13.24 vs. AUTCF: 2.00 )
Ranked among companies with meaningful Days Sales Outstanding only.
AUTCF' s Days Sales Outstanding Range Over the Past 10 Years
Min: 2  Med: 25.79 Max: 15036.6
Current: 2
2
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 149 Companies
in the Global Credit Services industry.

( Industry Median: -4.90 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-to-Net-Current-Asset-Value 5.00
AUTCF's Price-to-Net-Current-Asset-Value is ranked lower than
68% of the 219 Companies
in the Global Credit Services industry.

( Industry Median: 2.33 vs. AUTCF: 5.00 )
Ranked among companies with meaningful Price-to-Net-Current-Asset-Value only.
AUTCF' s Price-to-Net-Current-Asset-Value Range Over the Past 10 Years
Min: 0.85  Med: 6.11 Max: 43.13
Current: 5
0.85
43.13
Price-to-Tangible-Book 3.16
AUTCF's Price-to-Tangible-Book is ranked lower than
77% of the 416 Companies
in the Global Credit Services industry.

( Industry Median: 1.39 vs. AUTCF: 3.16 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
AUTCF' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.65  Med: 2.46 Max: 5.41
Current: 3.16
0.65
5.41
Price-to-Intrinsic-Value-Projected-FCF 3.64
AUTCF's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
80% of the 143 Companies
in the Global Credit Services industry.

( Industry Median: 1.10 vs. AUTCF: 3.64 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
AUTCF' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 1.11  Med: 1.97 Max: 3.64
Current: 3.64
1.11
3.64
Price-to-Median-PS-Value 6.35
AUTCF's Price-to-Median-PS-Value is ranked lower than
98% of the 407 Companies
in the Global Credit Services industry.

( Industry Median: 1.02 vs. AUTCF: 6.35 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
AUTCF' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.26  Med: 0.81 Max: 125
Current: 6.35
0.26
125
Price-to-Graham-Number 4.86
AUTCF's Price-to-Graham-Number is ranked lower than
92% of the 304 Companies
in the Global Credit Services industry.

( Industry Median: 1.04 vs. AUTCF: 4.86 )
Ranked among companies with meaningful Price-to-Graham-Number only.
AUTCF' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.62  Med: 2 Max: 5.15
Current: 4.86
0.62
5.15
Earnings Yield (Greenblatt) % 3.21
AUTCF's Earnings Yield (Greenblatt) % is ranked lower than
62% of the 421 Companies
in the Global Credit Services industry.

( Industry Median: 4.45 vs. AUTCF: 3.21 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
AUTCF' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 1  Med: 6.3 Max: 34.3
Current: 3.21
1
34.3

More Statistics

Revenue (TTM) (Mil) $104.6
EPS (TTM) $ 0.13
Beta-0.55
Short Percentage of Float1.14%
52-Week Range $21.00 - 34.00
Shares Outstanding (Mil)23.56
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Headlines

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