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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 0.11
AUTCF's Cash-to-Debt is ranked lower than
76% of the 388 Companies
in the Global Credit Services industry.

( Industry Median: 8.43 vs. AUTCF: 0.11 )
Ranked among companies with meaningful Cash-to-Debt only.
AUTCF' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.01  Med: 0.47 Max: No Debt
Current: 0.11
Equity-to-Asset 0.02
AUTCF's Equity-to-Asset is ranked lower than
69% of the 371 Companies
in the Global Credit Services industry.

( Industry Median: 0.45 vs. AUTCF: 0.02 )
Ranked among companies with meaningful Equity-to-Asset only.
AUTCF' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.02  Med: 0.34 Max: 0.53
Current: 0.02
0.02
0.53
Interest Coverage 0.07
AUTCF's Interest Coverage is ranked lower than
97% of the 351 Companies
in the Global Credit Services industry.

( Industry Median: 6.94 vs. AUTCF: 0.07 )
Ranked among companies with meaningful Interest Coverage only.
AUTCF' s Interest Coverage Range Over the Past 10 Years
Min: 0.07  Med: 2.99 Max: No Debt
Current: 0.07
Piotroski F-Score: 5
Altman Z-Score: 0.95
WACC vs ROIC
1.65%
0.28%
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 % 2.49
AUTCF's Operating Margin % is ranked lower than
70% of the 385 Companies
in the Global Credit Services industry.

( Industry Median: 18.30 vs. AUTCF: 2.49 )
Ranked among companies with meaningful Operating Margin % only.
AUTCF' s Operating Margin % Range Over the Past 10 Years
Min: -1543.95  Med: 3.71 Max: 9.71
Current: 2.49
-1543.95
9.71
Net Margin % 1.64
AUTCF's Net Margin % is ranked lower than
70% of the 386 Companies
in the Global Credit Services industry.

( Industry Median: 12.51 vs. AUTCF: 1.64 )
Ranked among companies with meaningful Net Margin % only.
AUTCF' s Net Margin % Range Over the Past 10 Years
Min: -16.34  Med: 1.64 Max: 1744.54
Current: 1.64
-16.34
1744.54
ROE % 1.05
AUTCF's ROE % is ranked lower than
70% of the 389 Companies
in the Global Credit Services industry.

( Industry Median: 7.30 vs. AUTCF: 1.05 )
Ranked among companies with meaningful ROE % only.
AUTCF' s ROE % Range Over the Past 10 Years
Min: -1150  Med: 0.55 Max: 26.53
Current: 1.05
-1150
26.53
ROA % 0.23
AUTCF's ROA % is ranked lower than
71% of the 398 Companies
in the Global Credit Services industry.

( Industry Median: 2.38 vs. AUTCF: 0.23 )
Ranked among companies with meaningful ROA % only.
AUTCF' s ROA % Range Over the Past 10 Years
Min: -22.33  Med: 0.03 Max: 8.91
Current: 0.23
-22.33
8.91
ROC (Joel Greenblatt) % 7.05
AUTCF's ROC (Joel Greenblatt) % is ranked lower than
61% of the 310 Companies
in the Global Credit Services industry.

( Industry Median: 14.02 vs. AUTCF: 7.05 )
Ranked among companies with meaningful ROC (Joel Greenblatt) % only.
AUTCF' s ROC (Joel Greenblatt) % Range Over the Past 10 Years
Min: -374.84  Med: -1.53 Max: 53.41
Current: 7.05
-374.84
53.41
3-Year Revenue Growth Rate 478.40
AUTCF's 3-Year Revenue Growth Rate is ranked lower than
93% of the 275 Companies
in the Global Credit Services industry.

( Industry Median: 4.50 vs. AUTCF: 478.40 )
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: -39.6 Max: 478.4
Current: 478.4
0
478.4
GuruFocus has detected 11 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 30-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:NAS:WRLD, NYSE:TCAP, NYSE:AGM, NAS:MGI, NAS:FSC, OTCPK:ALARF, OTCPK:ECNCF, NAS:EZPW, NYSE:ENVA, NYSE:XRF, NAS:NEWS, OTCPK:EHMEF, NYSE:ELVT, OTCPK:EMCHF, NAS:QIWI, NYSE:ONDK, NYSE:RM, OTCPK:CCGN, OTCPK:AIFLY, NAS:CLDC » details
Headquarter Location:China
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 410.88
AUTCF's PE Ratio is ranked lower than
94% of the 303 Companies
in the Global Credit Services industry.

( Industry Median: 14.53 vs. AUTCF: 410.88 )
Ranked among companies with meaningful PE Ratio only.
AUTCF' s PE Ratio Range Over the Past 10 Years
Min: 4.57  Med: 17.5 Max: 410.88
Current: 410.88
4.57
410.88
PE Ratio without NRI 410.88
AUTCF's PE Ratio without NRI is ranked lower than
92% of the 303 Companies
in the Global Credit Services industry.

( Industry Median: 14.95 vs. AUTCF: 410.88 )
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: 18.18 Max: 410.88
Current: 410.88
7.61
410.88
PB Ratio 36.36
AUTCF's PB Ratio is ranked lower than
78% of the 378 Companies
in the Global Credit Services industry.

( Industry Median: 1.26 vs. AUTCF: 36.36 )
Ranked among companies with meaningful PB Ratio only.
AUTCF' s PB Ratio Range Over the Past 10 Years
Min: 0.56  Med: 2.49 Max: 36.36
Current: 36.36
0.56
36.36
PS Ratio 6.50
AUTCF's PS Ratio is ranked lower than
71% of the 368 Companies
in the Global Credit Services industry.

( Industry Median: 3.45 vs. AUTCF: 6.50 )
Ranked among companies with meaningful PS Ratio only.
AUTCF' s PS Ratio Range Over the Past 10 Years
Min: 0.28  Med: 1.26 Max: 71.94
Current: 6.5
0.28
71.94
Price-to-Free-Cash-Flow 1.53
AUTCF's Price-to-Free-Cash-Flow is ranked lower than
58% of the 93 Companies
in the Global Credit Services industry.

( Industry Median: 7.70 vs. AUTCF: 1.53 )
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: 2.71 Max: 62.39
Current: 1.53
0.75
62.39
Price-to-Operating-Cash-Flow 1.50
AUTCF's Price-to-Operating-Cash-Flow is ranked lower than
59% of the 116 Companies
in the Global Credit Services industry.

( Industry Median: 8.02 vs. AUTCF: 1.50 )
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: 0.62  Med: 2.06 Max: 62.39
Current: 1.5
0.62
62.39
EV-to-EBIT 32.72
AUTCF's EV-to-EBIT is ranked lower than
74% of the 374 Companies
in the Global Credit Services industry.

( Industry Median: 16.65 vs. AUTCF: 32.72 )
Ranked among companies with meaningful EV-to-EBIT only.
AUTCF' s EV-to-EBIT Range Over the Past 10 Years
Min: -57  Med: 7.1 Max: 97.1
Current: 32.72
-57
97.1
EV-to-EBITDA 32.72
AUTCF's EV-to-EBITDA is ranked lower than
75% of the 384 Companies
in the Global Credit Services industry.

( Industry Median: 13.89 vs. AUTCF: 32.72 )
Ranked among companies with meaningful EV-to-EBITDA only.
AUTCF' s EV-to-EBITDA Range Over the Past 10 Years
Min: -57  Med: 7.1 Max: 97.1
Current: 32.72
-57
97.1
Current Ratio 0.91
AUTCF's Current Ratio is ranked lower than
76% of the 180 Companies
in the Global Credit Services industry.

( Industry Median: 2.33 vs. AUTCF: 0.91 )
Ranked among companies with meaningful Current Ratio only.
AUTCF' s Current Ratio Range Over the Past 10 Years
Min: 0.91  Med: 1.31 Max: 1.65
Current: 0.91
0.91
1.65
Quick Ratio 0.91
AUTCF's Quick Ratio is ranked lower than
73% of the 180 Companies
in the Global Credit Services industry.

( Industry Median: 2.29 vs. AUTCF: 0.91 )
Ranked among companies with meaningful Quick Ratio only.
AUTCF' s Quick Ratio Range Over the Past 10 Years
Min: 0.91  Med: 1.31 Max: 1.64
Current: 0.91
0.91
1.64
Days Inventory 24.72
AUTCF's Days Inventory is ranked lower than
97% of the 89 Companies
in the Global Credit Services industry.

( Industry Median: 19.64 vs. AUTCF: 24.72 )
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: 24.72
0.53
1616.6
Days Sales Outstanding 1.00
AUTCF's Days Sales Outstanding is ranked higher than
76% of the 191 Companies
in the Global Credit Services industry.

( Industry Median: 14.92 vs. AUTCF: 1.00 )
Ranked among companies with meaningful Days Sales Outstanding only.
AUTCF' s Days Sales Outstanding Range Over the Past 10 Years
Min: 1  Med: 36.11 Max: 15036.6
Current: 1
1
15036.6

Buy Back

vs
industry
vs
history
3-Year Average Share Buyback Ratio -1.20
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: -5.00 vs. AUTCF: -1.20 )
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: -1.2 Max: 26.3
Current: -1.2
-147.5
26.3

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 36.52
AUTCF's Price-to-Tangible-Book is ranked lower than
77% of the 365 Companies
in the Global Credit Services industry.

( Industry Median: 1.30 vs. AUTCF: 36.52 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
AUTCF' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.7  Med: 2.18 Max: 36.52
Current: 36.52
0.7
36.52
Price-to-Intrinsic-Value-Projected-FCF 0.90
AUTCF's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
86% of the 77 Companies
in the Global Credit Services industry.

( Industry Median: 0.89 vs. AUTCF: 0.90 )
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: 0  Med: 1.36 Max: 1.36
Current: 0.9
0
1.36
Price-to-Median-PS-Value 5.16
AUTCF's Price-to-Median-PS-Value is ranked lower than
99% of the 329 Companies
in the Global Credit Services industry.

( Industry Median: 1.00 vs. AUTCF: 5.16 )
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  Med: 0.92 Max: 117.65
Current: 5.16
0
117.65
Price-to-Graham-Number 25.68
AUTCF's Price-to-Graham-Number is ranked lower than
93% of the 184 Companies
in the Global Credit Services industry.

( Industry Median: 0.93 vs. AUTCF: 25.68 )
Ranked among companies with meaningful Price-to-Graham-Number only.
AUTCF' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0  Med: 1.19 Max: 25.68
Current: 25.68
0
25.68
Earnings Yield (Greenblatt) % 3.06
AUTCF's Earnings Yield (Greenblatt) % is ranked lower than
60% of the 455 Companies
in the Global Credit Services industry.

( Industry Median: 4.64 vs. AUTCF: 3.06 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
AUTCF' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 1  Med: 5.9 Max: 34.3
Current: 3.06
1
34.3

More Statistics

Revenue (TTM) (Mil) $132.0
EPS (TTM) $ 0.08
Beta-0.51
Short Percentage of Float21.57%
52-Week Range $21.00 - 34.00
Shares Outstanding (Mil)23.56
» More Articles for AUTCF

Headlines

Articles On GuruFocus.com
Fincera Announces 27,028-Share Purchase by Founding Shareholder Apr 22 2016 
Fincera Provides 2016 First Quarter Business Update, Announces Launch of AutoChekk Passenger Vehicle Apr 11 2016 
Fincera Announces Participation in LendIt USA 2016 Apr 04 2016 
Fincera Provides 2015 Fourth Quarter Business Update, Announces Launch of TruShip Logistics Shipping Jan 28 2016 
Fincera Provides 2015 Third Quarter Business Update, Announces Launch of Trucking Ecommerce Platform Oct 28 2015 
Fincera Provides Update on Ticker Symbol/Company Name Change Oct 08 2015 
Fincera Announces 14,448-Share Purchase by Founding Shareholder Sep 10 2015 
Fincera Provides Update on Ticker Symbol/Company Name Change Sep 04 2015 
Fincera Announces 30,000-Share Purchase by Founding Shareholder Aug 14 2015 
Fincera Provides 2015 Second Quarter Business Update Aug 03 2015 

More From Other Websites
AutoChina International Ltd. :AUTCF-US: Earnings Analysis: Q4, 2016 By the Numbers : May 15, 2017 May 15 2017
Fincera Reports 2016 Year-end Financial Results, Provides 2017 First Quarter Business Update May 01 2017
AutoChina International Ltd. breached its 50 day moving average in a Bullish Manner : AUTCF-US :... Apr 24 2017
AutoChina International Ltd. breached its 50 day moving average in a Bearish Manner : AUTCF-US :... Apr 03 2017
Fincera Provides 2016 Fourth Quarter Business Update Jan 27 2017
Fincera Reports Third Quarter 2016 Financial Results Highlighted by Continued Growth in B2B Payment... Dec 01 2016
AutoChina International Ltd. breached its 50 day moving average in a Bullish Manner : AUTCF-US :... Nov 29 2016
Fincera Provides 2016 Third Quarter Business Update; Completes Purchase of Kai Yuan Finance Center... Oct 28 2016
AutoChina International Ltd. breached its 50 day moving average in a Bullish Manner : AUTCF-US :... Oct 10 2016
Fincera Reports Second Quarter 2016 Financial Results, Highlighted by Continued Growth of the... Sep 30 2016
AutoChina International Ltd. – Value Analysis (US OTC:AUTCF) : September 12, 2016 Sep 12 2016
AutoChina International Ltd. breached its 50 day moving average in a Bearish Manner : AUTCF-US :... Sep 09 2016
Fincera Announces 41,142-Share Purchase by Founding Shareholder Aug 17 2016
Fincera Announces Purchase of Remaining Kai Yuan Finance Center Building Space Aug 12 2016
AutoChina International Ltd. breached its 50 day moving average in a Bearish Manner : AUTCF-US :... Aug 12 2016
Fincera Provides 2016 Second Quarter Business Update, Announces Launch of Ecommerce Website PingPing Jul 28 2016
AutoChina International Ltd. breached its 50 day moving average in a Bullish Manner : AUTCF-US :... Jul 18 2016
AutoChina International Ltd. :AUTCF-US: Earnings Analysis: Q1, 2016 By the Numbers : July 13, 2016 Jul 13 2016

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