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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 1.02
AUTCF's Cash to Debt is ranked lower than
55% of the 255 Companies
in the Global Credit Services industry.

( Industry Median: 8.67 vs. AUTCF: 1.02 )
Ranked among companies with meaningful Cash to Debt only.
AUTCF' s 10-Year Cash to Debt Range
Min: 0.08  Med: 1.84 Max: No Debt
Current: 1.02
Equity to Asset 0.43
AUTCF's Equity to Asset is ranked higher than
59% of the 182 Companies
in the Global Credit Services industry.

( Industry Median: 0.37 vs. AUTCF: 0.43 )
Ranked among companies with meaningful Equity to Asset only.
AUTCF' s 10-Year Equity to Asset Range
Min: 0.17  Med: 0.43 Max: 0.64
Current: 0.43
0.17
0.64
Interest Coverage 0.68
AUTCF's Interest Coverage is ranked lower than
92% of the 180 Companies
in the Global Credit Services industry.

( Industry Median: 14.04 vs. AUTCF: 0.68 )
Ranked among companies with meaningful Interest Coverage only.
AUTCF' s 10-Year Interest Coverage Range
Min: 0.68  Med: 2.91 Max: 9999.99
Current: 0.68
0.68
9999.99
F-Score: 4
Z-Score: 2.35
WACC vs ROIC
2.19%
5.85%
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 (%) 2.88
AUTCF's Operating margin (%) is ranked lower than
77% of the 269 Companies
in the Global Credit Services industry.

( Industry Median: 20.53 vs. AUTCF: 2.88 )
Ranked among companies with meaningful Operating margin (%) only.
AUTCF' s 10-Year Operating margin (%) Range
Min: 1.91  Med: 6.09 Max: 9.71
Current: 2.88
1.91
9.71
Net-margin (%) 2.12
AUTCF's Net-margin (%) is ranked lower than
79% of the 271 Companies
in the Global Credit Services industry.

( Industry Median: 16.58 vs. AUTCF: 2.12 )
Ranked among companies with meaningful Net-margin (%) only.
AUTCF' s 10-Year Net-margin (%) Range
Min: -16.34  Med: 1.80 Max: 22.16
Current: 2.12
-16.34
22.16
ROE (%) 6.01
AUTCF's ROE (%) is ranked lower than
58% of the 267 Companies
in the Global Credit Services industry.

( Industry Median: 8.38 vs. AUTCF: 6.01 )
Ranked among companies with meaningful ROE (%) only.
AUTCF' s 10-Year ROE (%) Range
Min: -96.18  Med: 4.92 Max: 26.53
Current: 6.01
-96.18
26.53
ROA (%) 2.52
AUTCF's ROA (%) is ranked lower than
54% of the 280 Companies
in the Global Credit Services industry.

( Industry Median: 2.96 vs. AUTCF: 2.52 )
Ranked among companies with meaningful ROA (%) only.
AUTCF' s 10-Year ROA (%) Range
Min: -22.33  Med: 2.38 Max: 8.91
Current: 2.52
-22.33
8.91
ROC (Joel Greenblatt) (%) 21.94
AUTCF's ROC (Joel Greenblatt) (%) is ranked higher than
58% of the 217 Companies
in the Global Credit Services industry.

( Industry Median: 12.98 vs. AUTCF: 21.94 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
AUTCF' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -374.84  Med: 17.67 Max: 53.41
Current: 21.94
-374.84
53.41
Revenue Growth (3Y)(%) 10.40
AUTCF's Revenue Growth (3Y)(%) is ranked higher than
61% of the 201 Companies
in the Global Credit Services industry.

( Industry Median: 4.50 vs. AUTCF: 10.40 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
AUTCF' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0  Med: -1.10 Max: 138.4
Current: 10.4
0
138.4
EBITDA Growth (3Y)(%) -11.20
AUTCF's EBITDA Growth (3Y)(%) is ranked lower than
61% of the 169 Companies
in the Global Credit Services industry.

( Industry Median: -3.00 vs. AUTCF: -11.20 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
AUTCF' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -11.2  Med: 216.70 Max: 469.8
Current: -11.2
-11.2
469.8
EPS Growth (3Y)(%) -27.10
AUTCF's EPS Growth (3Y)(%) is ranked lower than
79% of the 175 Companies
in the Global Credit Services industry.

( Industry Median: 4.60 vs. AUTCF: -27.10 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
AUTCF' s 10-Year EPS Growth (3Y)(%) Range
Min: -27.1  Med: 164.50 Max: 598.6
Current: -27.1
-27.1
598.6
» 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) 34.89
AUTCF's P/E(ttm) is ranked lower than
76% of the 211 Companies
in the Global Credit Services industry.

( Industry Median: 14.50 vs. AUTCF: 34.89 )
Ranked among companies with meaningful P/E(ttm) only.
AUTCF' s 10-Year P/E(ttm) Range
Min: 3.99  Med: 18.04 Max: 58.82
Current: 34.89
3.99
58.82
Forward P/E 9.94
AUTCF's Forward P/E is ranked higher than
55% of the 71 Companies
in the Global Credit Services industry.

( Industry Median: 11.22 vs. AUTCF: 9.94 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 33.80
AUTCF's PE(NRI) is ranked lower than
76% of the 212 Companies
in the Global Credit Services industry.

( Industry Median: 15.00 vs. AUTCF: 33.80 )
Ranked among companies with meaningful PE(NRI) only.
AUTCF' s 10-Year PE(NRI) Range
Min: 4.11  Med: 20.09 Max: 59.52
Current: 33.8
4.11
59.52
P/B 2.00
AUTCF's P/B is ranked lower than
71% of the 226 Companies
in the Global Credit Services industry.

( Industry Median: 1.03 vs. AUTCF: 2.00 )
Ranked among companies with meaningful P/B only.
AUTCF' s 10-Year P/B Range
Min: 0.56  Med: 2.39 Max: 9.71
Current: 2
0.56
9.71
P/S 0.74
AUTCF's P/S is ranked higher than
89% of the 263 Companies
in the Global Credit Services industry.

( Industry Median: 3.31 vs. AUTCF: 0.74 )
Ranked among companies with meaningful P/S only.
AUTCF' s 10-Year P/S Range
Min: 0.2  Med: 0.73 Max: 1.98
Current: 0.74
0.2
1.98
EV-to-EBIT 11.81
AUTCF's EV-to-EBIT is ranked higher than
68% of the 208 Companies
in the Global Credit Services industry.

( Industry Median: 18.77 vs. AUTCF: 11.81 )
Ranked among companies with meaningful EV-to-EBIT only.
AUTCF' s 10-Year EV-to-EBIT Range
Min: -2.2  Med: 12.70 Max: 38.3
Current: 11.81
-2.2
38.3
Current Ratio 1.51
AUTCF's Current Ratio is ranked lower than
57% of the 132 Companies
in the Global Credit Services industry.

( Industry Median: 2.02 vs. AUTCF: 1.51 )
Ranked among companies with meaningful Current Ratio only.
AUTCF' s 10-Year Current Ratio Range
Min: 1.01  Med: 1.39 Max: 27.88
Current: 1.51
1.01
27.88
Quick Ratio 1.49
AUTCF's Quick Ratio is ranked lower than
55% of the 132 Companies
in the Global Credit Services industry.

( Industry Median: 1.81 vs. AUTCF: 1.49 )
Ranked among companies with meaningful Quick Ratio only.
AUTCF' s 10-Year Quick Ratio Range
Min: 0.87  Med: 1.38 Max: 27.88
Current: 1.49
0.87
27.88
Days Inventory 2.58
AUTCF's Days Inventory is ranked higher than
83% of the 54 Companies
in the Global Credit Services industry.

( Industry Median: 38.68 vs. AUTCF: 2.58 )
Ranked among companies with meaningful Days Inventory only.
AUTCF' s 10-Year Days Inventory Range
Min: 0.53  Med: 2.53 Max: 7.04
Current: 2.58
0.53
7.04
Days Sales Outstanding 19.29
AUTCF's Days Sales Outstanding is ranked higher than
53% of the 184 Companies
in the Global Credit Services industry.

( Industry Median: 24.86 vs. AUTCF: 19.29 )
Ranked among companies with meaningful Days Sales Outstanding only.
AUTCF' s 10-Year Days Sales Outstanding Range
Min: 2.67  Med: 13.05 Max: 36.11
Current: 19.29
2.67
36.11

Valuation & Return

vs
industry
vs
history
Price/Net Current Asset Value 3.62
AUTCF's Price/Net Current Asset Value is ranked lower than
56% of the 64 Companies
in the Global Credit Services industry.

( Industry Median: 2.95 vs. AUTCF: 3.62 )
Ranked among companies with meaningful Price/Net Current Asset Value only.
AUTCF' s 10-Year Price/Net Current Asset Value Range
Min: 0.85  Med: 7.20 Max: 43.12
Current: 3.62
0.85
43.12
Price/Tangible Book 2.00
AUTCF's Price/Tangible Book is ranked lower than
66% of the 220 Companies
in the Global Credit Services industry.

( Industry Median: 1.12 vs. AUTCF: 2.00 )
Ranked among companies with meaningful Price/Tangible Book only.
AUTCF' s 10-Year Price/Tangible Book Range
Min: 0.65  Med: 2.64 Max: 5.41
Current: 2
0.65
5.41
Price/Median PS Value 1.02
AUTCF's Price/Median PS Value is ranked higher than
52% of the 228 Companies
in the Global Credit Services industry.

( Industry Median: 1.00 vs. AUTCF: 1.02 )
Ranked among companies with meaningful Price/Median PS Value only.
AUTCF' s 10-Year Price/Median PS Value Range
Min: 0.32  Med: 0.97 Max: 2.04
Current: 1.02
0.32
2.04
Price/Graham Number 1.75
AUTCF's Price/Graham Number is ranked lower than
77% of the 135 Companies
in the Global Credit Services industry.

( Industry Median: 0.83 vs. AUTCF: 1.75 )
Ranked among companies with meaningful Price/Graham Number only.
AUTCF' s 10-Year Price/Graham Number Range
Min: 0.58  Med: 1.69 Max: 3.55
Current: 1.75
0.58
3.55
Earnings Yield (Greenblatt) (%) 8.44
AUTCF's Earnings Yield (Greenblatt) (%) is ranked higher than
75% of the 263 Companies
in the Global Credit Services industry.

( Industry Median: 3.80 vs. AUTCF: 8.44 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
AUTCF' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 2.6  Med: 7.80 Max: 967
Current: 8.44
2.6
967

Business Description

Industry: Credit Services » Credit Services
Compare: » 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.
» More Articles for AUTCF

Headlines

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