Automotive FincoRMIAF 45 Current Ratio is 20.03 as of Mar. 2026, which is 64% below its 10-year median of 56.10. GuruFocus rates RMIAF with a GF Score™ of 45/100 and a GF Value™ of $0.01. The stock has 7 warning signs investors should review. Among 394 Credit Services companies, Automotive Finco ranks better than 63.96% on this metric.
The current ratio is a liquidity ratio that measures a company's ability to pay short-term obligations. It is calculated as a company's Total Current Assets divides by its Total Current Liabilities. Automotive Finco's current ratio for the quarter that ended in Mar. 2026 was 20.03.
Automotive Finco has a current ratio of 20.03. It indicates the company may not be efficiently using its current assets or its short-term financing facilities. This may also indicate problems in working capital management.
The historical rank and industry rank for Automotive Finco's Current Ratio or its related term are showing as below:
RMIAF'
s Current Ratio Range Over the Past 10 Years
Min: 1.01 Med: 56.1 Max: 1425.47
Current: 20.03
During the past 13 years, Automotive Finco's highest Current Ratio was 1425.47. The lowest was 1.01. And the median was 56.10.
RMIAF's Current Ratio is ranked better than 63.96% of 394
companies
in the Credit Services industry
Industry Median: 4.855
vs RMIAF: 20.03
Automotive Finco (OTCPK:RMIAF) Current Ratio Explanation
The current ratio can give a sense of the efficiency of a company's operating cycle or its ability to turn its product into cash. Companies that have trouble getting paid on their receivables or have long inventory turnover can run into liquidity problems because they are unable to alleviate their obligations. Because business operations differ in each industry, it is always more useful to compare companies within the same industry.
Acceptable current ratios vary from industry to industry and are generally between 1 and 3 for healthy businesses.
The higher the current ratio, the more capable the company is of paying its obligations. A ratio under 1 suggests that the company would be unable to pay off its obligations if they came due at that point. While this shows the company is not in good financial health, it does not necessarily mean that it will go bankrupt - as there are many ways to access financing - but it is definitely not a good sign.
If all other things were equal, a creditor, who is expecting to be paid in the next 12 months, would consider a high current ratio to be better than a low current ratio, because a high current ratio means that the company is more likely to meet its liabilities which fall due in the next 12 months.
Automotive Finco Current Ratio Related Terms
Automotive Finco Current Ratio Historical Data
* Premium members only.
The historical data trend for Automotive Finco's Current 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 Current Ratio, along with its competitors' market caps and Current 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 Current Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Automotive Finco's Current Ratio distribution charts can be found below:
* The bar in red indicates where Automotive Finco's Current 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 Current Ratio of 20.03 as of Mar. 2026. This is 64% below median its historical median of 56.10. Over the past decade, Automotive Finco's Current Ratio has ranged from 1.01 to 1,425.47. According to the industry distribution chart, Automotive Finco ranks #142 out of 394 companies in the Credit Services industry, placing it in the top 36%.
Is Automotive Finco's Current Ratio too high?
Automotive Finco's current Current Ratio of 20.03 is 64% below median its 10-year median of 56.10. Over the past 10 years, this metric has ranged from a low of 1.01 to a high of 1,425.47. The Credit Services industry median Current Ratio is 4.86. Automotive Finco's value of 20.03 is 312.6% above this industry median. Based on the distribution chart, Automotive Finco ranks #142 out of 394 companies in the Credit Services industry, which is above the industry midpoint. 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 Current Ratio compare to V and MA?
According to the Credit Services industry distribution chart, Automotive Finco ranks #142 out of 394 companies for Current Ratio. This puts Automotive Finco in the upper half of its industry. The industry median Current Ratio is 4.86. Automotive Finco's value of 20.03 is 312.6% above this benchmark. Historically, Automotive Finco's own Current Ratio has ranged from 1.01 to 1,425.47 over the past decade. While the company's 10-year median is 56.10 vs. the industry median of 4.86, 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 Current Ratio for a Credit Services company?
The median Current Ratio among Credit Services companies is 4.86, based on 394 companies in the industry. Companies in the top quartile (top 25%) have a Current Ratio significantly above this median, while those in the bottom quartile fall well below. However, Current Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Automotive Finco's current Current Ratio of 20.03 is 312.6% 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 Current Ratio mean?
A high Current Ratio can signal that a stock is expensive relative to its fundamentals. For the Credit Services industry, the median Current Ratio is 4.86 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Automotive Finco's current Current Ratio is 20.03, which is 64% below median its own 10-year median of 56.10. 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 Current Ratio of 20.03. The stock's GF Value™ is $0.01, compared to a current price of $0.01 — trading 11% above its estimated fair value. The current Current Ratio is 20.03, which is 64% below median its 10-year median of 56.10 and 312.6% above the Credit Services industry median of 4.86. 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 Current Ratio calculated?
Current Ratio is calculated from a company's financial statements. For Automotive Finco (RMIAF), the current Current Ratio is 20.03 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.
Is Automotive Finco (RMIAF) Overvalued in 2026?
Based on GuruFocus' analysis, Automotive Finco stock appears to be overvalued.
The current stock price of $0.01 is trading 11% above its estimated GF Value™ of $0.01.
Key valuation signals for RMIAF:
Current Ratio: 20.03 (64% below median its 10-year median of 56.10)
GF Value™: $0.01 vs. price of $0.01 (11% above fair value)
Industry Position: 312.6% above the Credit Services median (#142 of 394)
No single metric tells the full story. See the RMIAF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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
Get the complete analysis for RMIAF
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