AUTOMOTIVE FINCO CORP(TSX-V:AFCC-H) stock Fundamental Analysis

Fundamental Rating

Taking everything into account, AFCC-H scores 5 out of 10 in our fundamental rating. AFCC-H was compared to 32 industry peers in the Financial Services industry. AFCC-H has an excellent financial health rating, but there are some minor concerns on its profitability. AFCC-H has a expensive valuation and it also scores bad on growth.

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1. Profitability

1.1 Basic Checks

In the past year AFCC-H was profitable.

In the past year AFCC-H has reported a negative cash flow from operations.

AFCC-H had negative earnings in 4 of the past 5 years.

In the past 5 years AFCC-H reported 4 times negative operating cash flow.

1.2 Ratios

AFCC-H has a Return On Assets of 7.97%. This is amongst the best in the industry. AFCC-H outperforms 93.75% of its industry peers.

AFCC-H has a Return On Equity of 8.05%. This is comparable to the rest of the industry: AFCC-H outperforms 43.75% of its industry peers.

With a Return On Invested Capital value of 5.79%, AFCC-H perfoms like the industry average, outperforming 50.00% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	7.97%
ROE	8.05%
ROIC	5.79%

ROA(3y)0.27%

ROA(5y)-0.33%

ROE(3y)0.24%

ROE(5y)-0.36%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

With an excellent Profit Margin value of 71.31%, AFCC-H belongs to the best of the industry, outperforming 96.88% of the companies in the same industry.

AFCC-H's Profit Margin has improved in the last couple of years.

AFCC-H has a better Operating Margin (71.31%) than 81.25% of its industry peers.

In the last couple of years the Operating Margin of AFCC-H has declined.

		Industry Rank	Sector Rank
OM	71.31%
PM (TTM)	71.31%
GM	N/A

OM growth 3YN/A

OM growth 5Y-4.98%

PM growth 3YN/A

PM growth 5Y9.37%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

The number of shares outstanding for AFCC-H remains at a similar level compared to 1 year ago.

The number of shares outstanding for AFCC-H has been reduced compared to 5 years ago.

AFCC-H has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.

2.2 Solvency

An Altman-Z score of 35.44 indicates that AFCC-H is not in any danger for bankruptcy at the moment.

AFCC-H has a better Altman-Z score (35.44) than 100.00% of its industry peers.

There is no outstanding debt for AFCC-H. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.

		Industry Rank	Sector Rank
Debt/Equity	0
Debt/FCF	N/A
Altman-Z	35.44

ROIC/WACCN/A

WACCN/A

2.3 Liquidity

AFCC-H has a Current Ratio of 96.40. This indicates that AFCC-H is financially healthy and has no problem in meeting its short term obligations.

The Current ratio of AFCC-H (96.40) is better than 100.00% of its industry peers.

A Quick Ratio of 96.40 indicates that AFCC-H has no problem at all paying its short term obligations.

The Quick ratio of AFCC-H (96.40) is better than 100.00% of its industry peers.

		Industry Rank	Sector Rank
Current Ratio	96.4
Quick Ratio	96.4

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

AFCC-H shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 190.91%, which is quite impressive.

Measured over the past years, AFCC-H shows a decrease in Earnings Per Share. The EPS has been decreasing by -9.33% on average per year.

Looking at the last year, AFCC-H shows a very strong growth in Revenue. The Revenue has grown by 78.72%.

The Revenue for AFCC-H have been decreasing by -19.72% on average. This is quite bad

EPS 1Y (TTM)190.91%

EPS 3YN/A

EPS 5Y-9.33%

EPS Q2Q%32.02%

Revenue 1Y (TTM)78.72%

Revenue growth 3YN/A

Revenue growth 5Y-19.72%

Sales Q2Q%14.08%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.

No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.

EPS Next YN/A

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next YearN/A

Revenue Next 2YN/A

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.

No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 7.50 indicates a rather cheap valuation of AFCC-H.

Based on the Price/Earnings ratio, AFCC-H is valued cheaper than 90.63% of the companies in the same industry.

The average S&P500 Price/Earnings ratio is at 29.35. AFCC-H is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	7.5
Fwd PE	N/A

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)N/A

EPS Next 2YN/A

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 48.28%, AFCC-H is a good candidate for dividend investing.

Compared to an average industry Dividend Yield of 8.05, AFCC-H pays a better dividend. On top of this AFCC-H pays more dividend than 100.00% of the companies listed in the same industry.

AFCC-H's Dividend Yield is rather good when compared to the S&P500 average which is at 2.33.

		Industry Rank	Sector Rank
Dividend Yield	48.28%

5.2 History

The dividend of AFCC-H decreases each year by -30.02%.

AFCC-H has been paying a dividend for over 5 years, so it has already some track record.

Dividend Growth(5Y)-30.02%

Div Incr Years0

Div Non Decr Years0

5.3 Sustainability

AFCC-H's earnings and Dividend Rate are declining. This means the current dividend is most likely not sustainable.

DP0%

EPS Next 2YN/A

EPS Next 3YN/A

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AUTOMOTIVE FINCO CORP

TSX-V:AFCC-H (3/7/2025, 7:00:00 PM)

0.75

-0.06 (-7.41%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupFinancial Services

GICS IndustryFinancial Services

Earnings (Last)11-29 2024-11-29

Earnings (Next)04-28 2025-04-28

Inst OwnersN/A

Inst Owner ChangeN/A

Ins Owners5.44%

Ins Owner ChangeN/A

Market Cap14.87M

Analysts40

Price TargetN/A

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	48.28%

Yearly Dividend0.03

Dividend Growth(5Y)-30.02%

DP0%

Div Incr Years0

Div Non Decr Years0

Ex-DateN/A

Surprises & Revisions

EPS beat(2)N/A

Avg EPS beat(2)N/A

Min EPS beat(2)N/A

Max EPS beat(2)N/A

EPS beat(4)N/A

Avg EPS beat(4)N/A

Min EPS beat(4)N/A

Max EPS beat(4)N/A

EPS beat(8)N/A

Avg EPS beat(8)N/A

EPS beat(12)N/A

Avg EPS beat(12)N/A

EPS beat(16)N/A

Avg EPS beat(16)N/A

Revenue beat(2)N/A

Avg Revenue beat(2)N/A

Min Revenue beat(2)N/A

Max Revenue beat(2)N/A

Revenue beat(4)N/A

Avg Revenue beat(4)N/A

Min Revenue beat(4)N/A

Max Revenue beat(4)N/A

Revenue beat(8)N/A

Avg Revenue beat(8)N/A

Revenue beat(12)N/A

Avg Revenue beat(12)N/A

Revenue beat(16)N/A

Avg Revenue beat(16)N/A

PT rev (1m)N/A

PT rev (3m)N/A

EPS NQ rev (1m)N/A

EPS NQ rev (3m)N/A

EPS NY rev (1m)N/A

EPS NY rev (3m)N/A

Revenue NQ rev (1m)N/A

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)N/A

Revenue NY rev (3m)N/A

Valuation

		Industry Rank	Sector Rank
PE	7.5
Fwd PE	N/A
P/S	5.22
P/FCF	N/A
P/OCF	N/A
P/B	0.59
P/tB	0.59
EV/EBITDA	N/A

EPS(TTM)0.1

EY13.33%

EPS(NY)N/A

Fwd EYN/A

FCF(TTM)-0.04

FCFYN/A

OCF(TTM)-0.04

OCFYN/A

SpS0.14

BVpS1.27

TBVpS1.27

PEG (NY)N/A

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	7.97%
ROE	8.05%
ROCE	8.05%
ROIC	5.79%
ROICexc	34.72%
ROICexgc	34.72%
OM	71.31%
PM (TTM)	71.31%
GM	N/A
FCFM	N/A

ROA(3y)0.27%

ROA(5y)-0.33%

ROE(3y)0.24%

ROE(5y)-0.36%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5Y45.95%

ROICexc growth 3YN/A

ROICexc growth 5Y45.95%

OM growth 3YN/A

OM growth 5Y-4.98%

PM growth 3YN/A

PM growth 5Y9.37%

GM growth 3YN/A

GM growth 5YN/A

F-Score5

Asset Turnover0.11

Health

		Industry Rank	Sector Rank
Debt/Equity	0
Debt/FCF	N/A
Debt/EBITDA	N/A
Cap/Depr	N/A
Cap/Sales	N/A
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	N/A
Current Ratio	96.4
Quick Ratio	96.4
Altman-Z	35.44

F-Score5

WACCN/A

ROIC/WACCN/A

Cap/Depr(3y)N/A

Cap/Depr(5y)N/A

Cap/Sales(3y)N/A

Cap/Sales(5y)N/A

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)190.91%

EPS 3YN/A

EPS 5Y-9.33%

EPS Q2Q%32.02%

EPS Next YN/A

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)78.72%

Revenue growth 3YN/A

Revenue growth 5Y-19.72%

Sales Q2Q%14.08%

Revenue Next YearN/A

Revenue Next 2YN/A

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1Y191.44%

EBIT growth 3YN/A

EBIT growth 5Y-23.72%

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y34.98%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y34.98%

OCF growth 3YN/A

OCF growth 5YN/A

AUTOMOTIVE FINCO CORP (AFCC-H.CA) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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