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Also traded in: Canada

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 0.02
RRFFF's Cash to Debt is ranked lower than
93% of the 313 Companies
in the Global Credit Services industry.

( Industry Median: 9999.00 vs. RRFFF: 0.02 )
Ranked among companies with meaningful Cash to Debt only.
RRFFF' s Cash to Debt Range Over the Past 10 Years
Min: 0  Med: 0.02 Max: N/A
Current: 0.02
Equity to Asset 0.12
RRFFF's Equity to Asset is ranked lower than
91% of the 310 Companies
in the Global Credit Services industry.

( Industry Median: 0.47 vs. RRFFF: 0.12 )
Ranked among companies with meaningful Equity to Asset only.
RRFFF' s Equity to Asset Range Over the Past 10 Years
Min: 0.05  Med: 0.08 Max: 0.12
Current: 0.12
0.05
0.12
Interest Coverage 0.71
RRFFF's Interest Coverage is ranked lower than
79% of the 257 Companies
in the Global Credit Services industry.

( Industry Median: 3.59 vs. RRFFF: 0.71 )
Ranked among companies with meaningful Interest Coverage only.
RRFFF' s Interest Coverage Range Over the Past 10 Years
Min: 0.54  Med: 0.79 Max: 3.88
Current: 0.71
0.54
3.88
F-Score: 5
M-Score: -3.17
WACC vs ROIC
3.71%
2.38%
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 : 8/10

vs
industry
vs
history
Operating margin (%) 24.99
RRFFF's Operating margin (%) is ranked higher than
55% of the 327 Companies
in the Global Credit Services industry.

( Industry Median: 20.52 vs. RRFFF: 24.99 )
Ranked among companies with meaningful Operating margin (%) only.
RRFFF' s Operating margin (%) Range Over the Past 10 Years
Min: 4.13  Med: 32.04 Max: 40.1
Current: 24.99
4.13
40.1
Net-margin (%) 20.35
RRFFF's Net-margin (%) is ranked higher than
59% of the 327 Companies
in the Global Credit Services industry.

( Industry Median: 15.34 vs. RRFFF: 20.35 )
Ranked among companies with meaningful Net-margin (%) only.
RRFFF' s Net-margin (%) Range Over the Past 10 Years
Min: 3.2  Med: 22.91 Max: 29.57
Current: 20.35
3.2
29.57
ROE (%) 22.08
RRFFF's ROE (%) is ranked higher than
88% of the 316 Companies
in the Global Credit Services industry.

( Industry Median: 6.61 vs. RRFFF: 22.08 )
Ranked among companies with meaningful ROE (%) only.
RRFFF' s ROE (%) Range Over the Past 10 Years
Min: 3.55  Med: 31.20 Max: 57.12
Current: 22.08
3.55
57.12
ROA (%) 2.29
RRFFF's ROA (%) is ranked higher than
50% of the 333 Companies
in the Global Credit Services industry.

( Industry Median: 2.29 vs. RRFFF: 2.29 )
Ranked among companies with meaningful ROA (%) only.
RRFFF' s ROA (%) Range Over the Past 10 Years
Min: 1.9  Med: 3.41 Max: 9.37
Current: 2.29
1.9
9.37
Revenue Growth (3Y)(%) 39.00
RRFFF's Revenue Growth (3Y)(%) is ranked higher than
91% of the 237 Companies
in the Global Credit Services industry.

( Industry Median: 2.30 vs. RRFFF: 39.00 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
RRFFF' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 7.3  Med: 26.00 Max: 39
Current: 39
7.3
39
EBITDA Growth (3Y)(%) 29.90
RRFFF's EBITDA Growth (3Y)(%) is ranked higher than
77% of the 200 Companies
in the Global Credit Services industry.

( Industry Median: 7.60 vs. RRFFF: 29.90 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
RRFFF' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: 29.9  Med: 38.10 Max: 164.3
Current: 29.9
29.9
164.3
EPS Growth (3Y)(%) 30.60
RRFFF's EPS Growth (3Y)(%) is ranked higher than
82% of the 196 Companies
in the Global Credit Services industry.

( Industry Median: 4.80 vs. RRFFF: 30.60 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
RRFFF' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: 30.6  Med: 44.40 Max: 164.2
Current: 30.6
30.6
164.2
» RRFFF's 10-Y Financials

Financials


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

» Details

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Business Description

Industry: Credit Services » Credit Services
Compare:OTCPK:FFMH, BOM:511066, BOM:539131, XKLS:3441, NZSE:GFL, BOM:526871 » details
Traded in other countries:RFC.Canada,
RIFCO Inc, through its wholly owned subsidiary Rifco National Auto Finance Corporation is engaged in vehicle finance. It provides non-traditional vehicle financing to motorists through a network of new and used vehicle retailers.

RIFCO Inc., was incorporated on December 01, 2000 under the laws of Alberta. The Company through its wholly owned subsidiary Rifco National Auto Finance Corporation is engaged in vehicle finance. It provides non-traditional vehicle financing to motorists through a network select new and used vehicle retailers.

Ratios

vs
industry
vs
history
P/E(ttm) 4.63
RRFFF's P/E(ttm) is ranked higher than
89% of the 253 Companies
in the Global Credit Services industry.

( Industry Median: 14.29 vs. RRFFF: 4.63 )
Ranked among companies with meaningful P/E(ttm) only.
RRFFF' s P/E(ttm) Range Over the Past 10 Years
Min: 3.56  Med: 15.01 Max: 26.24
Current: 4.63
3.56
26.24
Forward P/E 7.14
RRFFF's Forward P/E is ranked higher than
77% of the 43 Companies
in the Global Credit Services industry.

( Industry Median: 10.37 vs. RRFFF: 7.14 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 4.63
RRFFF's PE(NRI) is ranked higher than
90% of the 253 Companies
in the Global Credit Services industry.

( Industry Median: 14.00 vs. RRFFF: 4.63 )
Ranked among companies with meaningful PE(NRI) only.
RRFFF' s PE(NRI) Range Over the Past 10 Years
Min: 3.56  Med: 15.10 Max: 25.85
Current: 4.63
3.56
25.85
Price/Owner Earnings (ttm) 4.40
RRFFF's Price/Owner Earnings (ttm) is ranked higher than
79% of the 66 Companies
in the Global Credit Services industry.

( Industry Median: 11.54 vs. RRFFF: 4.40 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
RRFFF' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 3.12  Med: 4.45 Max: 8.47
Current: 4.4
3.12
8.47
P/B 0.92
RRFFF's P/B is ranked higher than
56% of the 308 Companies
in the Global Credit Services industry.

( Industry Median: 1.07 vs. RRFFF: 0.92 )
Ranked among companies with meaningful P/B only.
RRFFF' s P/B Range Over the Past 10 Years
Min: 0.71  Med: 5.70 Max: 10.27
Current: 0.92
0.71
10.27
P/S 0.94
RRFFF's P/S is ranked higher than
85% of the 309 Companies
in the Global Credit Services industry.

( Industry Median: 3.20 vs. RRFFF: 0.94 )
Ranked among companies with meaningful P/S only.
RRFFF' s P/S Range Over the Past 10 Years
Min: 0.72  Med: 3.66 Max: 7.93
Current: 0.94
0.72
7.93
PFCF 0.80
RRFFF's PFCF is ranked higher than
95% of the 74 Companies
in the Global Credit Services industry.

( Industry Median: 7.79 vs. RRFFF: 0.80 )
Ranked among companies with meaningful PFCF only.
RRFFF' s PFCF Range Over the Past 10 Years
Min: 0.62  Med: 12.35 Max: 63.38
Current: 0.8
0.62
63.38
POCF 0.80
RRFFF's POCF is ranked higher than
96% of the 95 Companies
in the Global Credit Services industry.

( Industry Median: 7.14 vs. RRFFF: 0.80 )
Ranked among companies with meaningful POCF only.
RRFFF' s POCF Range Over the Past 10 Years
Min: 0.61  Med: 11.68 Max: 27.43
Current: 0.8
0.61
27.43
EV-to-EBIT 32.67
RRFFF's EV-to-EBIT is ranked lower than
69% of the 253 Companies
in the Global Credit Services industry.

( Industry Median: 15.17 vs. RRFFF: 32.67 )
Ranked among companies with meaningful EV-to-EBIT only.
RRFFF' s EV-to-EBIT Range Over the Past 10 Years
Min: 2.5  Med: 36.15 Max: 42.6
Current: 32.67
2.5
42.6
EV-to-EBITDA 30.83
RRFFF's EV-to-EBITDA is ranked lower than
70% of the 258 Companies
in the Global Credit Services industry.

( Industry Median: 14.44 vs. RRFFF: 30.83 )
Ranked among companies with meaningful EV-to-EBITDA only.
RRFFF' s EV-to-EBITDA Range Over the Past 10 Years
Min: 2.6  Med: 35.75 Max: 42.1
Current: 30.83
2.6
42.1
PEG 0.08
RRFFF's PEG is ranked higher than
96% of the 83 Companies
in the Global Credit Services industry.

( Industry Median: 0.68 vs. RRFFF: 0.08 )
Ranked among companies with meaningful PEG only.
RRFFF' s PEG Range Over the Past 10 Years
Min: 0  Med: 0.00 Max: 0
Current: 0.08

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.92
RRFFF's Price/Tangible Book is ranked higher than
58% of the 304 Companies
in the Global Credit Services industry.

( Industry Median: 1.14 vs. RRFFF: 0.92 )
Ranked among companies with meaningful Price/Tangible Book only.
RRFFF' s Price/Tangible Book Range Over the Past 10 Years
Min: 1.2  Med: 5.84 Max: 8.95
Current: 0.92
1.2
8.95
Price/Median PS Value 0.25
RRFFF's Price/Median PS Value is ranked higher than
93% of the 288 Companies
in the Global Credit Services industry.

( Industry Median: 0.95 vs. RRFFF: 0.25 )
Ranked among companies with meaningful Price/Median PS Value only.
RRFFF' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.33  Med: 1.06 Max: 2.01
Current: 0.25
0.33
2.01
Price/Graham Number 0.44
RRFFF's Price/Graham Number is ranked higher than
83% of the 155 Companies
in the Global Credit Services industry.

( Industry Median: 0.91 vs. RRFFF: 0.44 )
Ranked among companies with meaningful Price/Graham Number only.
RRFFF' s Price/Graham Number Range Over the Past 10 Years
Min: 0.57  Med: 2.03 Max: 3.08
Current: 0.44
0.57
3.08
Earnings Yield (Greenblatt) (%) 3.10
RRFFF's Earnings Yield (Greenblatt) (%) is ranked lower than
54% of the 317 Companies
in the Global Credit Services industry.

( Industry Median: 4.40 vs. RRFFF: 3.10 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
RRFFF' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 2.3  Med: 2.80 Max: 40.6
Current: 3.1
2.3
40.6

More Statistics

Revenue (TTM) (Mil) $22.07
EPS (TTM) $ 0.21
Short Percentage of Float0.00%
52-Week Range $0.81 - 1.45
Shares Outstanding (Mil)21.35

Analyst Estimate

Mar16 Mar17 Mar18
Revenue (Mil $) 28 27
EPS ($) 0.15 0.13 0.17
EPS without NRI ($) 0.15 0.13 0.17
EPS Growth Rate
(3Y to 5Y Estimate)
N/A
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