GFCJ (Guaranty Financial) Accounts Receivable: $ Mil (As of Dec. 2015)

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What is Guaranty Financial Accounts Receivable?

Guaranty Financial GFCJ -99.67% Accounts Receivable is $ Mil as of Dec. 2015.

Accounts Receivable are created when a customer has received a product but has not yet paid for that product. Guaranty Financial's accounts receivables for the quarter that ended in Dec. 2015 was $ Mil.

Accounts receivable can be measured by Days Sales Outstanding.

In Ben Graham's calculation of Net-Net Working Capital, accounts receivable are only considered to be worth 75% of book value. Guaranty Financial's Net-Net Working Capital per share for the quarter that ended in Dec. 2015 was $-567.48.

Guaranty Financial Accounts Receivable Explanation

1. Accounts Receivable are created when a customer has received a product but has not yet paid for that product. Days Sales Outstanding measures of the average number of days that a company takes to collect revenue after a sale has been made. It is a financial ratio that illustrates how well a company's accounts receivables are being managed.

Guaranty Financial's Days Sales Outstanding for the quarter that ended in Dec. 2015 is calculated as:

Days Sales Outstanding
=Accounts Receivable/Revenue*Days in Period
=/0*91
=

2. In Ben Graham's calculation of Net-Net Working Capital (NNWC), Guaranty Financial's accounts receivable are only considered to be worth 75% of book value:

Guaranty Financial's Net-Net Working Capital Per Share for the quarter that ended in Dec. 2015 is calculated as:

Net-Net Working Capital Per Share
=(Cash And Cash Equivalents+0.75 * Accounts Receivable+0.5 * Total Inventories-Total Liabilities
-Preferred Stock-Minority Interest)/Shares Outstanding (EOP)
=(+0.75 * +0.5 * -1009.633
-50.099-)/1.867431
=-567.48

* 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.

Be Aware

Net receivables tells us a great deal about the different competitors in the same industry. In competitive industries, some attempt to gain advantage by offering better credit terms, causing increase in sales and receivables.

If company consistently shows lower % Net receivables to gross sales than competitors, then it usually has some kind of competitive advantage which requires further digging.

Average Days Sales Outstanding is a good indicator for measuring a company's sales channel and customers. A company may book great revenue and earnings growth but never receive payment from their customers. This may force a write-off in the future and depress future earnings.

Guaranty Financial Accounts Receivable Related Terms

Guaranty Financial Accounts Receivable Historical Data

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The historical data trend for Guaranty Financial's Accounts Receivable 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.

Guaranty Financial Accounts Receivable Chart

Guaranty Financial Annual Data
Trend Dec02 Dec03 Sep08 Sep09 Sep10 Sep11 Sep12 Sep13 Sep14 Sep15
Accounts Receivable
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Guaranty Financial Quarterly Data
Sep01 Dec01 Mar02 Jun02 Sep02 Dec02 Mar03 Jun03 Sep03 Dec03 Mar04 Dec11 Mar12 Dec12 Mar13 Jun13 Dec13 Mar14 Jun14 Dec15
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Guaranty Financial Accounts Receivable Calculation

Accounts Receivable is money owed to a business by customers and shown on its Balance Sheet as an asset.

Frequently Asked Questions Learn more about Accounts Receivable →
What does a Accounts Receivable of $ Mil mean?
Guaranty Financial (GFCJ) has a Accounts Receivable of $ Mil as of Dec. 2015. Accounts receivable is the amount a company expects to receive from credit-extending customers. View historical data on Guaranty Financial and its competitors.
Is Guaranty Financial's Accounts Receivable too high?
Guaranty Financial's current Accounts Receivable is $ Mil.
How does Guaranty Financial's Accounts Receivable compare to OPHC and CCSB?
Guaranty Financial's Accounts Receivable of $ Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Accounts Receivable for a Banks company?
A good Accounts Receivable depends on the Banks industry context. However, Accounts Receivable should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Accounts Receivable mean?
A high Accounts Receivable can signal that a stock is expensive relative to its fundamentals. Accounts receivable is the amount a company expects to receive from credit-extending customers. View historical data on Guaranty Financial and its competitors. Guaranty Financial's current Accounts Receivable is $ Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Guaranty Financial stock overvalued right now?
Guaranty Financial (GFCJ) has a current Accounts Receivable of $ Mil. The current Accounts Receivable is $ Mil. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Accounts Receivable calculated?
Accounts Receivable is calculated from a company's financial statements. For Guaranty Financial (GFCJ), the current Accounts Receivable is $ Mil as of Dec. 2015. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Guaranty Financial Business Description

Address 4000 West Brown Deer Road, Milwaukee, WI, USA, 53209
Guaranty Financial Corp provides a range of commercial & retail banking services. The company's services include checking, savings, money-market, & individual retirement accounts, as well as certificates of deposit. It offers financial services in Wisconsin, Georgia, Illinois, Michigan and Minnesota.