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

TSX-V:AFCC-H - TSX Venture Exchange - CA05329N1024 - Common Stock - Currency: CAD

0.98  +0.05 (+5.38%)

Fundamental Rating

4

Taking everything into account, AFCC-H scores 4 out of 10 in our fundamental rating. AFCC-H was compared to 29 industry peers in the Financial Services industry. No worries on liquidiy or solvency for AFCC-H as it has an excellent financial health rating, but there are worries on the profitability. AFCC-H does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

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3

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.
In multiple years AFCC-H reported negative net income over the last 5 years.
In the past 5 years AFCC-H always reported negative operating cash flow.
AFCC-H.CA Yearly Net Income VS EBIT VS OCF VS FCFAFCC-H.CA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2M -2M 4M -4M 6M

1.2 Ratios

AFCC-H has a Return On Assets of 7.99%. This is amongst the best in the industry. AFCC-H outperforms 96.55% of its industry peers.
AFCC-H has a Return On Equity of 8.02%. This is comparable to the rest of the industry: AFCC-H outperforms 48.28% of its industry peers.
With a decent Return On Invested Capital value of 5.77%, AFCC-H is doing good in the industry, outperforming 65.52% of the companies in the same industry.
Industry RankSector Rank
ROA 7.99%
ROE 8.02%
ROIC 5.77%
ROA(3y)4.3%
ROA(5y)1.3%
ROE(3y)4.3%
ROE(5y)1.27%
ROIC(3y)N/A
ROIC(5y)N/A
AFCC-H.CA Yearly ROA, ROE, ROICAFCC-H.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 -10 -20 -30

1.3 Margins

AFCC-H has a Profit Margin of 70.92%. This is amongst the best in the industry. AFCC-H outperforms 93.10% of its industry peers.
AFCC-H has a better Operating Margin (70.92%) than 79.31% of its industry peers.
In the last couple of years the Operating Margin of AFCC-H has declined.
Industry RankSector Rank
OM 70.92%
PM (TTM) 70.92%
GM N/A
OM growth 3YN/A
OM growth 5Y-1.56%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
AFCC-H.CA Yearly Profit, Operating, Gross MarginsAFCC-H.CA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50 -50 -100 -150

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9

2. Health

2.1 Basic Checks

The number of shares outstanding for AFCC-H remains at a similar level compared to 1 year ago.
Compared to 5 years ago, AFCC-H has less shares outstanding
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.
AFCC-H.CA Yearly Shares OutstandingAFCC-H.CA Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M
AFCC-H.CA Yearly Total Debt VS Total AssetsAFCC-H.CA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M

2.2 Solvency

An Altman-Z score of 155.11 indicates that AFCC-H is not in any danger for bankruptcy at the moment.
The Altman-Z score of AFCC-H (155.11) is better 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 RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Altman-Z 155.11
ROIC/WACCN/A
WACCN/A
AFCC-H.CA Yearly LT Debt VS Equity VS FCFAFCC-H.CA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10M 20M 30M 40M 50M

2.3 Liquidity

AFCC-H has a Current Ratio of 347.40. This indicates that AFCC-H is financially healthy and has no problem in meeting its short term obligations.
AFCC-H's Current ratio of 347.40 is amongst the best of the industry. AFCC-H outperforms 100.00% of its industry peers.
AFCC-H has a Quick Ratio of 347.40. This indicates that AFCC-H is financially healthy and has no problem in meeting its short term obligations.
With an excellent Quick ratio value of 347.40, AFCC-H belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 347.4
Quick Ratio 347.4
AFCC-H.CA Yearly Current Assets VS Current LiabilitesAFCC-H.CA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M

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1

3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 18.17% over the past year.
AFCC-H shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 11.29%.
AFCC-H shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -8.66% yearly.
EPS 1Y (TTM)18.17%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%4.43%
Revenue 1Y (TTM)11.29%
Revenue growth 3YN/A
Revenue growth 5Y-8.66%
Sales Q2Q%9.5%

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.
AFCC-H.CA Yearly Revenue VS EstimatesAFCC-H.CA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2018 2019 2022 2023 2024 2M 4M 6M 8M

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2

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 8.91, which indicates a very decent valuation of AFCC-H.
86.21% of the companies in the same industry are more expensive than AFCC-H, based on the Price/Earnings ratio.
AFCC-H is valuated cheaply when we compare the Price/Earnings ratio to 26.60, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 8.91
Fwd PE N/A
AFCC-H.CA Price Earnings VS Forward Price EarningsAFCC-H.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
AFCC-H.CA Per share dataAFCC-H.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 0.2 0.4 0.6 0.8 1

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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4

5. Dividend

5.1 Amount

AFCC-H has a Yearly Dividend Yield of 5.13%, which is a nice return.
Compared to an average industry Dividend Yield of 6.44, AFCC-H is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.39, AFCC-H pays a better dividend.
Industry RankSector Rank
Dividend Yield 5.13%

5.2 History

AFCC-H has been paying a dividend for over 5 years, so it has already some track record.
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0
AFCC-H.CA Yearly Dividends per shareAFCC-H.CA Yearly Dividends per shareYearly Dividends per share 2017 2018 2019 2020 2021 2022 2023 2025 0.05 0.1 0.15 0.2

5.3 Sustainability

DP0%
EPS Next 2YN/A
EPS Next 3YN/A
AFCC-H.CA Yearly Income VS Free CF VS DividendAFCC-H.CA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2M -2M 4M -4M

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AUTOMOTIVE FINCO CORP

TSX-V:AFCC-H (6/12/2025, 7:00:00 PM)

0.98

+0.05 (+5.38%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)05-29 2025-05-29
Earnings (Next)08-26 2025-08-26
Inst OwnersN/A
Inst Owner ChangeN/A
Ins Owners5.44%
Ins Owner ChangeN/A
Market Cap19.42M
Analysts40
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 5.13%
Yearly Dividend0
Dividend Growth(5Y)N/A
DP0%
Div Incr Years0
Div Non Decr Years0
Ex-Date06-30 2025-06-30 (0.0513)
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 RankSector Rank
PE 8.91
Fwd PE N/A
P/S 6.53
P/FCF N/A
P/OCF N/A
P/B 0.74
P/tB 0.74
EV/EBITDA N/A
EPS(TTM)0.11
EY11.22%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0
FCFYN/A
OCF(TTM)0
OCFYN/A
SpS0.15
BVpS1.33
TBVpS1.33
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 7.99%
ROE 8.02%
ROCE 8.02%
ROIC 5.77%
ROICexc 29.54%
ROICexgc 29.54%
OM 70.92%
PM (TTM) 70.92%
GM N/A
FCFM N/A
ROA(3y)4.3%
ROA(5y)1.3%
ROE(3y)4.3%
ROE(5y)1.27%
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 5Y-44.76%
ROICexc growth 3YN/A
ROICexc growth 5Y-44.76%
OM growth 3YN/A
OM growth 5Y-1.56%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.11
Health
Industry RankSector 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 347.4
Quick Ratio 347.4
Altman-Z 155.11
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)18.17%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%4.43%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)11.29%
Revenue growth 3YN/A
Revenue growth 5Y-8.66%
Sales Q2Q%9.5%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y15.9%
EBIT growth 3YN/A
EBIT growth 5Y-10.08%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y93.63%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y93.63%
OCF growth 3YN/A
OCF growth 5YN/A