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Automotive FincoRMIAF 45 Cash Ratio is 20.02 as of Mar. 2026, which is 64% below its 10-year median of 55.94. GuruFocus rates RMIAF with a GF Score™ of 45/100. The stock has 7 warning signs investors should review. Among 389 Credit Services companies, Automotive Finco ranks better than 88.95% on this metric.
Automotive Finco has a Cash Ratio of 20.02. It generally indicates that the company is able to cover all short-term debt and still have cash remaining.
The historical rank and industry rank for Automotive Finco's Cash Ratio or its related term are showing as below:
RMIAF'
s Cash Ratio Range Over the Past 10 Years
Min: 0.73 Med: 55.94 Max: 1249.29
Current: 20.03
During the past 13 years, Automotive Finco's highest Cash Ratio was 1249.29. The lowest was 0.73. And the median was 55.94.
RMIAF's Cash Ratio is ranked better than 88.95% of 389
companies
in the Credit Services industry
Industry Median: 0.6
vs RMIAF: 20.03
Automotive Finco (OTCPK:RMIAF) Cash Ratio Explanation
The cash ratio is more conservative than other liquidity ratios, such as Quick Ratio and Current Ratio, because it only considers a company's most liquid resources. The numerator of cash ratio only considers Cash, Cash Equivalents and marketable securities. Other current assets, such as accounts receivable and inventories, are not included. The rationale is that these assets may require time to be transformed into cash, and the amount of money received is also uncertain.
The cash ratio shows a company’s ability to pay all current liabilities immediately without selling or liquidating other assets. Generally speaking, a higher cash ratio suggests the company has a stronger ability to cover its short-term debt. However, a high cash ratio could also indicate inefficient management: the company is inefficient in making full utilization of cash to invest protential profitable project. It may also suggest that the company is not confident about future profitability.
In general, the higher the cash ratio, the better the company's liquidity position.
Automotive Finco Cash Ratio Related Terms
Automotive Finco Cash Ratio Historical Data
* Premium members only.
The historical data trend for Automotive Finco's Cash Ratio 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.
For the Credit Services subindustry, Automotive Finco's Cash Ratio, along with its competitors' market caps and Cash Ratio 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.
Automotive Finco Cash Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Automotive Finco's Cash Ratio distribution charts can be found below:
* The bar in red indicates where Automotive Finco's Cash Ratio falls into.
* 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.
Automotive Finco (RMIAF) has a Cash Ratio of 20.02 as of Mar. 2026. Cashflow ratio is the ratio of Cash, Cash Equivalents, Marketable Securities to current liabilities. View historical data on Automotive Finco and its competitors. This is 64% below median its historical median of 55.94. Over the past decade, Automotive Finco's Cash Ratio has ranged from 0.73 to 1,249.29. According to the industry distribution chart, Automotive Finco ranks #43 out of 389 companies in the Credit Services industry, placing it in the top 11.1%.
Is Automotive Finco's Cash Ratio too high?
Automotive Finco's current Cash Ratio of 20.02 is 64% below median its 10-year median of 55.94. Over the past 10 years, this metric has ranged from a low of 0.73 to a high of 1,249.29. The Credit Services industry median Cash Ratio is 0.60. Automotive Finco's value of 20.02 is 3236.7% above this industry median. Based on the distribution chart, Automotive Finco ranks #43 out of 389 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Automotive Finco has a GF Score™ of 45/100, reflecting its overall financial health beyond just this single metric.
How does Automotive Finco's Cash Ratio compare to V and MA?
According to the Credit Services industry distribution chart, Automotive Finco ranks #43 out of 389 companies for Cash Ratio. This places Automotive Finco in the top 11% of its industry — outperforming the majority of peers. The industry median Cash Ratio is 0.60. Automotive Finco's value of 20.02 is 3236.7% above this benchmark. Historically, Automotive Finco's own Cash Ratio has ranged from 0.73 to 1,249.29 over the past decade. While the company's 10-year median is 55.94 vs. the industry median of 0.60, Automotive Finco has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash Ratio for a Credit Services company?
The median Cash Ratio among Credit Services companies is 0.60, based on 389 companies in the industry. Companies in the top quartile (top 25%) have a Cash Ratio significantly above this median, while those in the bottom quartile fall well below. However, Cash Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Automotive Finco's current Cash Ratio of 20.02 is 3236.7% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash Ratio mean?
A high Cash Ratio can signal that a stock is expensive relative to its fundamentals. Cashflow ratio is the ratio of Cash, Cash Equivalents, Marketable Securities to current liabilities. View historical data on Automotive Finco and its competitors. For the Credit Services industry, the median Cash Ratio is 0.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Automotive Finco's current Cash Ratio is 20.02, which is 64% below median its own 10-year median of 55.94. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Automotive Finco stock overvalued right now?
Automotive Finco (RMIAF) has a current Cash Ratio of 20.02. The current Cash Ratio is 20.02, which is 64% below median its 10-year median of 55.94 and 3236.7% above the Credit Services industry median of 0.60. Automotive Finco's overall GF Score™ is 45/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash Ratio calculated?
Cash Ratio is calculated from a company's financial statements. For Automotive Finco (RMIAF), the current Cash Ratio is 20.02 as of Mar. 2026. 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.
Automotive Finco Corp p is a finance company focused exclusively on the auto retail sector. The company also pursues other direct investments and financing opportunities across the auto retail sector. Through its investment in Automotive Finance LP, it is engaged in the business of lending and administering investment funds. The company has only one operating segment: Investment issuer focused on providing debt financing and making other investments in the auto retail sector.
45GF Score
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