ASFZ (Associates First Capital) Net Margin %: 14.60% (As of Sep. 2000)


What is Associates First Capital Net Margin %?

Associates First Capital ASFZ -99.00% Net Margin % is 14.60% as of Sep. 2000.

Net margin is calculated as Net Income divided by its Revenue. Associates First Capital's Net Income for the three months ended in Sep. 2000 was $442 Mil. Associates First Capital's Revenue for the three months ended in Sep. 2000 was $3,030 Mil. Therefore, Associates First Capital's net margin for the quarter that ended in Sep. 2000 was 14.60%.

The historical rank and industry rank for Associates First Capital's Net Margin % or its related term are showing as below:


ASFZ's Net Margin % is not ranked *
in the Credit Services industry.
Industry Median: 14.54
* Ranked among companies with meaningful Net Margin % only.

Associates First Capital  (OTCPK:ASFZ) Net Margin % Explanation

Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.

But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.

Associates First Capital Net Margin % Related Terms

Associates First Capital Net Margin % Historical Data

* Premium members only.

The historical data trend for Associates First Capital's Net Margin % 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.

Associates First Capital Net Margin % Chart

Associates First Capital Annual Data
Trend Dec95 Dec96 Dec97 Dec98 Dec99
Net Margin %
13.71 14.26 14.95 15.12 14.03

Associates First Capital Quarterly Data
Dec95 Mar96 Jun96 Sep96 Dec96 Mar97 Jun97 Sep97 Dec97 Mar98 Jun98 Sep98 Dec98 Mar99 Jun99 Sep99 Dec99 Mar00 Jun00 Sep00
Net Margin % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 14.48 14.88 11.50 14.17 14.60

ASFZ vs JGWE, IEGH, MITJF: Net Margin % Comparison

For the Credit Services subindustry, Associates First Capital's Net Margin %, along with its competitors' market caps and Net Margin % 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.

Associates First Capital Net Margin % vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Associates First Capital's Net Margin % distribution charts can be found below:

* The bar in red indicates where Associates First Capital's Net Margin % falls into.


Associates First Capital Net Margin % Calculation

Net margin - also known as net profit margin is the ratio of Net Income divided by net sales or Revenue, usually presented in percent.

Associates First Capital's Net Margin for the fiscal year that ended in Dec. 2099 is calculated as

Net Margin=Net Income (A: Dec. 2099 )/Revenue (A: Dec. 2099 )
=1490.4/10624.8
=14.03 %

Associates First Capital's Net Margin for the quarter that ended in Sep. 2000 is calculated as

Net Margin=Net Income (Q: Sep. 2000 )/Revenue (Q: Sep. 2000 )
=442.4/3029.8
=14.60 %

* 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.

Frequently Asked Questions Learn more about Net Margin % →
What does a Net Margin % of 14.60% mean?
Associates First Capital (ASFZ) has a Net Margin % of 14.60% as of Sep. 2000. Net margin is the ratio of total net income to net sales. View historical data on Associates First Capital and its competitors.
Is Associates First Capital's Net Margin % too high?
Associates First Capital's current Net Margin % is 14.60%. The Credit Services industry median Net Margin % is 14.54. Associates First Capital's value of 14.60% is 0.4% above this industry median.
How does Associates First Capital's Net Margin % compare to JGWE and IEGH?
Associates First Capital's Net Margin % of 14.60% can be compared against companies in the Credit Services industry. The industry median Net Margin % is 14.54. Associates First Capital's value of 14.60% is 0.4% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for a Credit Services company?
The median Net Margin % among Credit Services companies is 14.54, based on 533 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Associates First Capital's current Net Margin % of 14.60% is 0.4% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Associates First Capital and its competitors. For the Credit Services industry, the median Net Margin % is 14.54 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Associates First Capital's current Net Margin % is 14.60%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Associates First Capital stock overvalued right now?
Associates First Capital (ASFZ) has a current Net Margin % of 14.60%. The current Net Margin % is 14.60% and 0.4% above the Credit Services industry median of 14.54. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Associates First Capital (ASFZ), the current Net Margin % is 14.60% as of Sep. 2000. 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.

Associates First Capital Business Description

Address 300 Street Paul Place, Baltimore, MD, USA, 75062-2729
Associates First Capital Corp operates in the financial services industry. The organization, provides finance, leasing, insurance, and related services to individual consumers and businesses.