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Consumer Automotive Finance (Consumer Automotive Finance) Debt-to-EBITDA : -0.18 (As of Jun. 2023)


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What is Consumer Automotive Finance Debt-to-EBITDA?

Debt-to-EBITDA measures a company's ability to pay off its debt.

Consumer Automotive Finance's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Jun. 2023 was $0.09 Mil. Consumer Automotive Finance's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Jun. 2023 was $0.00 Mil. Consumer Automotive Finance's annualized EBITDA for the quarter that ended in Jun. 2023 was $-0.53 Mil. Consumer Automotive Finance's annualized Debt-to-EBITDA for the quarter that ended in Jun. 2023 was -0.18.

A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.

The historical rank and industry rank for Consumer Automotive Finance's Debt-to-EBITDA or its related term are showing as below:

CAFI' s Debt-to-EBITDA Range Over the Past 10 Years
Min: -14.8   Med: -3.66   Max: 4.93
Current: -0.18

During the past 9 years, the highest Debt-to-EBITDA Ratio of Consumer Automotive Finance was 4.93. The lowest was -14.80. And the median was -3.66.

CAFI's Debt-to-EBITDA is ranked worse than
100% of 254 companies
in the Credit Services industry
Industry Median: 7.78 vs CAFI: -0.18

Consumer Automotive Finance Debt-to-EBITDA Historical Data

The historical data trend for Consumer Automotive Finance's Debt-to-EBITDA can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

Consumer Automotive Finance Debt-to-EBITDA Chart

Consumer Automotive Finance Annual Data
Trend Dec03 Dec04 Jun06 Jun07 Jun08 Jun09 Jun10 Jun22 Jun23
Debt-to-EBITDA
Get a 7-Day Free Trial Premium Member Only -4.45 -7.49 -14.80 -1.68 -0.18

Consumer Automotive Finance Semi-Annual Data
Dec03 Dec04 Jun06 Jun07 Jun08 Jun09 Jun10 Jun21 Jun22 Jun23
Debt-to-EBITDA Get a 7-Day Free Trial Premium Member Only Premium Member Only -7.49 -14.80 N/A -1.68 -0.18

Competitive Comparison of Consumer Automotive Finance's Debt-to-EBITDA

For the Credit Services subindustry, Consumer Automotive Finance's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Consumer Automotive Finance's Debt-to-EBITDA Distribution in the Credit Services Industry

For the Credit Services industry and Financial Services sector, Consumer Automotive Finance's Debt-to-EBITDA distribution charts can be found below:

* The bar in red indicates where Consumer Automotive Finance's Debt-to-EBITDA falls into.



Consumer Automotive Finance Debt-to-EBITDA Calculation

Debt-to-EBITDA measures a company's ability to pay off its debt.

Consumer Automotive Finance's Debt-to-EBITDA for the fiscal year that ended in Jun. 2023 is calculated as

Debt-to-EBITDA=Total Debt / EBITDA
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / EBITDA
=(0.093 + 0) / -0.527
=-0.18

Consumer Automotive Finance's annualized Debt-to-EBITDA for the quarter that ended in Jun. 2023 is calculated as

Debt-to-EBITDA=Total Debt / EBITDA
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / EBITDA
=(0.093 + 0) / -0.527
=-0.18

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data, the EBITDA data used here is one times the quarterly (Jun. 2023) EBITDA data.


Consumer Automotive Finance  (OTCPK:CAFI) Debt-to-EBITDA Explanation

In the calculation of Debt-to-EBITDA, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by EBITDA. In some calculations, Total Liabilities is used to for calculation.


Be Aware

A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.

According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.


Consumer Automotive Finance Debt-to-EBITDA Related Terms

Thank you for viewing the detailed overview of Consumer Automotive Finance's Debt-to-EBITDA provided by GuruFocus.com. Please click on the following links to see related term pages.


Consumer Automotive Finance (Consumer Automotive Finance) Business Description

Traded in Other Exchanges
N/A
Address
746 North Drive, STE A, Melbourne, FL, USA, 32934
Consumer Automotive Finance Inc is an indirect automotive financial services company that focuses on servicing the sub-prime market. It has developed a criteria-based system, which has been effective in evaluating deal structure as well as a consumer's ability to pay for an automobile loan. The company provides financing solutions for buying Cars and Trucks and also provides a wide range of credit profiles through dealers in Nevada and soon Arizona and Utah, as well as online through the Dealer Loan programs.
Executives
Scott Eugene Miller officer: CEO 2239 N. HAYDEN RD., SUITE 100, SCOTTSDALE AZ 85257
Jamie Kerr director, 10 percent owner, officer: President 2925 N. 67TH PLACE, SCOTTSDALE AZ 85251
John Shaffer director, officer: Treasurer 2925 N. 67TH PLACE, SCOTTSDALE AZ 85251

Consumer Automotive Finance (Consumer Automotive Finance) Headlines