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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
Equity-to-Asset 0.14
RRFFF's Equity-to-Asset is ranked lower than
84% of the 316 Companies
in the Global Credit Services industry.

( Industry Median: 0.39 vs. RRFFF: 0.14 )
Ranked among companies with meaningful Equity-to-Asset only.
RRFFF' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.05  Med: 0.09 Max: 0.14
Current: 0.14
0.05
0.14
Debt-to-Equity 6.10
RRFFF's Debt-to-Equity is ranked lower than
92% of the 283 Companies
in the Global Credit Services industry.

( Industry Median: 1.18 vs. RRFFF: 6.10 )
Ranked among companies with meaningful Debt-to-Equity only.
RRFFF' s Debt-to-Equity Range Over the Past 10 Years
Min: 0.49  Med: 9.71 Max: 19.64
Current: 6.1
0.49
19.64
Interest Coverage 0.29
RRFFF's Interest Coverage is ranked lower than
89% of the 377 Companies
in the Global Credit Services industry.

( Industry Median: 11.69 vs. RRFFF: 0.29 )
Ranked among companies with meaningful Interest Coverage only.
RRFFF' s Interest Coverage Range Over the Past 10 Years
Min: 0.29  Med: 0.7 Max: 3.88
Current: 0.29
0.29
3.88
Beneish M-Score: -2.19
WACC vs ROIC
2.86%
0.77%
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 % 10.53
RRFFF's Operating Margin % is ranked lower than
51% of the 407 Companies
in the Global Credit Services industry.

( Industry Median: 17.78 vs. RRFFF: 10.53 )
Ranked among companies with meaningful Operating Margin % only.
RRFFF' s Operating Margin % Range Over the Past 10 Years
Min: 4.13  Med: 24.61 Max: 40.1
Current: 10.53
4.13
40.1
Net Margin % 7.22
RRFFF's Net Margin % is ranked lower than
53% of the 406 Companies
in the Global Credit Services industry.

( Industry Median: 12.96 vs. RRFFF: 7.22 )
Ranked among companies with meaningful Net Margin % only.
RRFFF' s Net Margin % Range Over the Past 10 Years
Min: 3.2  Med: 18.62 Max: 29.69
Current: 7.22
3.2
29.69
ROE % 5.43
RRFFF's ROE % is ranked higher than
53% of the 404 Companies
in the Global Credit Services industry.

( Industry Median: 8.10 vs. RRFFF: 5.43 )
Ranked among companies with meaningful ROE % only.
RRFFF' s ROE % Range Over the Past 10 Years
Min: 3.55  Med: 22.1 Max: 57.12
Current: 5.43
3.55
57.12
ROA % 0.75
RRFFF's ROA % is ranked lower than
63% of the 418 Companies
in the Global Credit Services industry.

( Industry Median: 2.58 vs. RRFFF: 0.75 )
Ranked among companies with meaningful ROA % only.
RRFFF' s ROA % Range Over the Past 10 Years
Min: 0.75  Med: 2.94 Max: 9.37
Current: 0.75
0.75
9.37
3-Year Revenue Growth Rate 4.20
RRFFF's 3-Year Revenue Growth Rate is ranked lower than
56% of the 291 Companies
in the Global Credit Services industry.

( Industry Median: 6.30 vs. RRFFF: 4.20 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
RRFFF' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: 4.2  Med: 19.7 Max: 39
Current: 4.2
4.2
39
3-Year EBITDA Growth Rate -20.00
RRFFF's 3-Year EBITDA Growth Rate is ranked lower than
82% of the 252 Companies
in the Global Credit Services industry.

( Industry Median: 5.10 vs. RRFFF: -20.00 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
RRFFF' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -20  Med: 29.9 Max: 164.3
Current: -20
-20
164.3
3-Year EPS without NRI Growth Rate -22.70
RRFFF's 3-Year EPS without NRI Growth Rate is ranked lower than
81% of the 247 Companies
in the Global Credit Services industry.

( Industry Median: 5.00 vs. RRFFF: -22.70 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
RRFFF' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -22.7  Med: 30.6 Max: 145.2
Current: -22.7
-22.7
145.2
GuruFocus has detected 3 Warning Signs with RIFCO Inc $RRFFF.
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» RRFFF's 30-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

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Business Description

Industry: Credit Services » Credit Services    NAICS: 523910    SIC: 7125
Compare:TSXV:AXIS, TSXV:FA, TSXV:RNP, TSXV:MIT, XCNQ:BCA, TSX:ACD, TSX:MOGO, TSX:CHW, TSX:GSY, TSX:CBL, TSX:AD, TSX:ECN, TSX:EFN » details
Traded in other countries:RFC.Canada,
Headquarter Location: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
PE Ratio 18.75
RRFFF's PE Ratio is ranked higher than
72% of the 335 Companies
in the Global Credit Services industry.

( Industry Median: 15.55 vs. RRFFF: 18.75 )
Ranked among companies with meaningful PE Ratio only.
RRFFF' s PE Ratio Range Over the Past 10 Years
Min: 3.56  Med: 13.88 Max: 26.14
Current: 18.75
3.56
26.14
Forward PE Ratio 15.31
RRFFF's Forward PE Ratio is ranked higher than
82% of the 50 Companies
in the Global Credit Services industry.

( Industry Median: 13.76 vs. RRFFF: 15.31 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 16.67
RRFFF's PE Ratio without NRI is ranked higher than
73% of the 335 Companies
in the Global Credit Services industry.

( Industry Median: 15.63 vs. RRFFF: 16.67 )
Ranked among companies with meaningful PE Ratio without NRI only.
RRFFF' s PE Ratio without NRI Range Over the Past 10 Years
Min: 3.56  Med: 14.66 Max: 25.85
Current: 16.67
3.56
25.85
Price-to-Owner-Earnings 14.71
RRFFF's Price-to-Owner-Earnings is ranked higher than
64% of the 98 Companies
in the Global Credit Services industry.

( Industry Median: 13.67 vs. RRFFF: 14.71 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
RRFFF' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 3.1  Med: 8.57 Max: 16.76
Current: 14.71
3.1
16.76
PB Ratio 0.97
RRFFF's PB Ratio is ranked higher than
63% of the 312 Companies
in the Global Credit Services industry.

( Industry Median: 1.30 vs. RRFFF: 0.97 )
Ranked among companies with meaningful PB Ratio only.
RRFFF' s PB Ratio Range Over the Past 10 Years
Min: 0.71  Med: 3.97 Max: 10.27
Current: 0.97
0.71
10.27
PS Ratio 1.32
RRFFF's PS Ratio is ranked higher than
81% of the 393 Companies
in the Global Credit Services industry.

( Industry Median: 3.73 vs. RRFFF: 1.32 )
Ranked among companies with meaningful PS Ratio only.
RRFFF' s PS Ratio Range Over the Past 10 Years
Min: 0.72  Med: 2.79 Max: 7.98
Current: 1.32
0.72
7.98
EV-to-EBIT 90.57
RRFFF's EV-to-EBIT is ranked lower than
78% of the 344 Companies
in the Global Credit Services industry.

( Industry Median: 18.99 vs. RRFFF: 90.57 )
Ranked among companies with meaningful EV-to-EBIT only.
RRFFF' s EV-to-EBIT Range Over the Past 10 Years
Min: 7.4  Med: 37.6 Max: 93.2
Current: 90.57
7.4
93.2
EV-to-EBITDA 82.56
RRFFF's EV-to-EBITDA is ranked lower than
80% of the 348 Companies
in the Global Credit Services industry.

( Industry Median: 16.26 vs. RRFFF: 82.56 )
Ranked among companies with meaningful EV-to-EBITDA only.
RRFFF' s EV-to-EBITDA Range Over the Past 10 Years
Min: 7.3  Med: 36.8 Max: 84.9
Current: 82.56
7.3
84.9
EV-to-Revenue 9.54
RRFFF's EV-to-Revenue is ranked lower than
65% of the 390 Companies
in the Global Credit Services industry.

( Industry Median: 5.88 vs. RRFFF: 9.54 )
Ranked among companies with meaningful EV-to-Revenue only.
RRFFF' s EV-to-Revenue Range Over the Past 10 Years
Min: 2.6  Med: 9.9 Max: 16.6
Current: 9.54
2.6
16.6
PEG Ratio 9.82
RRFFF's PEG Ratio is ranked lower than
87% of the 125 Companies
in the Global Credit Services industry.

( Industry Median: 0.92 vs. RRFFF: 9.82 )
Ranked among companies with meaningful PEG Ratio only.
RRFFF' s PEG Ratio Range Over the Past 10 Years
Min: 0.6  Med: 1.42 Max: 9.82
Current: 9.82
0.6
9.82

Buy Back

vs
industry
vs
history
3-Year Average Share Buyback Ratio -0.90
RRFFF's 3-Year Average Share Buyback Ratio is ranked higher than
54% of the 207 Companies
in the Global Credit Services industry.

( Industry Median: -1.20 vs. RRFFF: -0.90 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
RRFFF' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -3  Med: -1.9 Max: -0.9
Current: -0.9
-3
-0.9

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 0.97
RRFFF's Price-to-Tangible-Book is ranked higher than
67% of the 305 Companies
in the Global Credit Services industry.

( Industry Median: 1.41 vs. RRFFF: 0.97 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
RRFFF' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.72  Med: 3.1 Max: 8.95
Current: 0.97
0.72
8.95
Price-to-Median-PS-Value 0.48
RRFFF's Price-to-Median-PS-Value is ranked higher than
88% of the 374 Companies
in the Global Credit Services industry.

( Industry Median: 1.00 vs. RRFFF: 0.48 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
RRFFF' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.33  Med: 1.01 Max: 2.66
Current: 0.48
0.33
2.66
Price-to-Graham-Number 0.84
RRFFF's Price-to-Graham-Number is ranked higher than
73% of the 285 Companies
in the Global Credit Services industry.

( Industry Median: 1.06 vs. RRFFF: 0.84 )
Ranked among companies with meaningful Price-to-Graham-Number only.
RRFFF' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.45  Med: 1.53 Max: 3.08
Current: 0.84
0.45
3.08
Earnings Yield (Greenblatt) % 1.10
RRFFF's Earnings Yield (Greenblatt) % is ranked lower than
64% of the 419 Companies
in the Global Credit Services industry.

( Industry Median: 3.85 vs. RRFFF: 1.10 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
RRFFF' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 1.1  Med: 2.7 Max: 13.6
Current: 1.1
1.1
13.6
Forward Rate of Return (Yacktman) % -35.47
RRFFF's Forward Rate of Return (Yacktman) % is ranked lower than
92% of the 135 Companies
in the Global Credit Services industry.

( Industry Median: 10.33 vs. RRFFF: -35.47 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
RRFFF' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: -37.4  Med: -19.9 Max: 1.7
Current: -35.47
-37.4
1.7

More Statistics

Revenue (TTM) (Mil) $18.42
EPS (TTM) $ 0.06
Short Percentage of Float0.00%
52-Week Range $1.11 - 1.32
Shares Outstanding (Mil)21.60

Analyst Estimate

Mar18 Mar19
Revenue (Mil $) 29 31
EPS ($) 0.08 0.14
EPS without NRI ($) 0.08 0.14
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($)

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