Automotive FincoRMIAF 45 PB Ratio is 0.01 as of Jul. 11, 2026, which is 99% below its 10-year median of 0.84. 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 523 Credit Services companies, Automotive Finco ranks worse than 52.39% on this metric.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. As of today (2026-07-11), Automotive Finco's share price is $0.0111. Automotive Finco's Book Value per Share for the quarter that ended in Mar. 2026 was $0.87. Hence, Automotive Finco's PB Ratio of today is 0.01.
Warning Sign:
Automotive Finco Corp stock PB Ratio (=1.11) is close to 3-year high of 1.11.
The historical rank and industry rank for Automotive Finco's PB Ratio or its related term are showing as below:
RMIAF'
s PB Ratio Range Over the Past 10 Years
Min: 0.34 Med: 0.84 Max: 1.35
Current: 1.11
During the past 13 years, Automotive Finco's highest PB Ratio was 1.35. The lowest was 0.34. And the median was 0.84.
RMIAF's PB Ratio is ranked worse than 52.39% of 523
companies
in the Credit Services industry
Industry Median: 1.06
vs RMIAF: 1.11
During the past 12 months, Automotive Finco's average Book Value Per Share Growth Rate was -11.70% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 3.10% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was -4.00% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was -7.00% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Automotive Finco was 21.30% per year. The lowest was -18.90% per year. And the median was -3.05% per year.
Back to Basics: PB Ratio
Automotive Finco (OTCPK:RMIAF) PB Ratio Explanation
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Automotive Finco PB Ratio Related Terms
Automotive Finco PB Ratio Historical Data
* Premium members only.
The historical data trend for Automotive Finco's PB 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 PB Ratio, along with its competitors' market caps and PB 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 PB Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Automotive Finco's PB Ratio distribution charts can be found below:
* The bar in red indicates where Automotive Finco's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Automotive Finco (RMIAF) has a PB Ratio of 0.01 as of Jul. 11, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Automotive Finco and its competitors. This is 99% below median its historical median of 0.84. Over the past decade, Automotive Finco's PB Ratio has ranged from 0.34 to 1.35. According to the industry distribution chart, Automotive Finco ranks #274 out of 523 companies in the Credit Services industry, placing it in the top 52.4%.
Is Automotive Finco's PB Ratio too high?
Automotive Finco's current PB Ratio of 0.01 is 99% below median its 10-year median of 0.84. Over the past 10 years, this metric has ranged from a low of 0.34 to a high of 1.35. The Credit Services industry median PB Ratio is 1.06. Automotive Finco's value of 0.01 is 99.1% below this industry median. Based on the distribution chart, Automotive Finco ranks #274 out of 523 companies in the Credit Services industry, which is below 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 PB Ratio compare to V and MA?
According to the Credit Services industry distribution chart, Automotive Finco ranks #274 out of 523 companies for PB Ratio. This places Automotive Finco in the lower half of its industry. The industry median PB Ratio is 1.06. Automotive Finco's value of 0.01 is 99.1% below this benchmark. Historically, Automotive Finco's own PB Ratio has ranged from 0.34 to 1.35 over the past decade. While the company's 10-year median is 0.84 vs. the industry median of 1.06, Automotive Finco has consistently been below 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 PB Ratio for a Credit Services company?
The median PB Ratio among Credit Services companies is 1.06, based on 523 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Automotive Finco's current PB Ratio of 0.01 is 99.1% below 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Automotive Finco and its competitors. For the Credit Services industry, the median PB Ratio is 1.06 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Automotive Finco's current PB Ratio is 0.01, which is 99% below median its own 10-year median of 0.84. 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 PB Ratio of 0.01. 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 PB Ratio is 0.01, which is 99% below median its 10-year median of 0.84 and 99.1% below the Credit Services industry median of 1.06. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Automotive Finco (RMIAF), the current PB Ratio is 0.01 as of Jul. 11, 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:
PB Ratio: 0.01 (99% below median its 10-year median of 0.84)
GF Value™: $0.01 vs. price of $0.01 (11% above fair value)
Industry Position: 99.1% below the Credit Services median (#274 of 523)
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
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