Logo image of AFCC-H.CA

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

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

0.9  -0.08 (-8.16%)

Fundamental Rating

5

AFCC-H gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 29 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 is valued correctly, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

Quickly go to:

4

1. Profitability

1.1 Basic Checks

AFCC-H had positive earnings in the past year.
AFCC-H had a positive operating cash flow in the past year.
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 better Return On Assets (8.01%) than 96.55% of its industry peers.
AFCC-H's Return On Equity of 8.03% is in line compared to the rest of the industry. AFCC-H outperforms 48.28% of its industry peers.
Looking at the Return On Invested Capital, with a value of 5.78%, AFCC-H is in the better half of the industry, outperforming 65.52% of the companies in the same industry.
Industry RankSector Rank
ROA 8.01%
ROE 8.03%
ROIC 5.78%
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's Profit Margin of 71.00% is amongst the best of the industry. AFCC-H outperforms 93.10% of its industry peers.
Looking at the Operating Margin, with a value of 71.00%, AFCC-H is in the better half of the industry, outperforming 79.31% of the companies in the same industry.
AFCC-H's Operating Margin has declined in the last couple of years.
Industry RankSector Rank
OM 71%
PM (TTM) 71%
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

More info and screens

9

2. Health

2.1 Basic Checks

AFCC-H has about the same amout of shares outstanding than it did 1 year ago.
AFCC-H has less shares outstanding than it did 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.
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

AFCC-H has an Altman-Z score of 124.38. This indicates that AFCC-H is financially healthy and has little risk of bankruptcy at the moment.
With an excellent Altman-Z score value of 124.38, AFCC-H belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
AFCC-H has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z 124.38
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 308.42. This indicates that AFCC-H is financially healthy and has no problem in meeting its short term obligations.
AFCC-H's Current ratio of 308.42 is amongst the best of the industry. AFCC-H outperforms 100.00% of its industry peers.
AFCC-H has a Quick Ratio of 308.42. This indicates that AFCC-H is financially healthy and has no problem in meeting its short term obligations.
The Quick ratio of AFCC-H (308.42) is better than 100.00% of its industry peers.
Industry RankSector Rank
Current Ratio 308.42
Quick Ratio 308.42
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

More info and screens

1

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 15.64%, which is quite good.
Looking at the last year, AFCC-H shows a quite strong growth in Revenue. The Revenue has grown by 10.33% in the last year.
Measured over the past years, AFCC-H shows a decrease in Revenue. The Revenue has been decreasing by -8.66% on average per year.
EPS 1Y (TTM)15.64%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%9.79%
Revenue 1Y (TTM)10.33%
Revenue growth 3YN/A
Revenue growth 5Y-8.66%
Sales Q2Q%8.66%

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

More info and screens

4

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 8.18, the valuation of AFCC-H can be described as very reasonable.
AFCC-H's Price/Earnings ratio is rather cheap when compared to the industry. AFCC-H is cheaper than 89.66% of the companies in the same industry.
When comparing the Price/Earnings ratio of AFCC-H to the average of the S&P500 Index (26.57), we can say AFCC-H is valued rather cheaply.
Industry RankSector Rank
PE 8.18
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

Compared to the rest of the industry, the Price/Free Cash Flow ratio of AFCC-H indicates a rather cheap valuation: AFCC-H is cheaper than 82.76% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 26.29
EV/EBITDA N/A
AFCC-H.CA Per share dataAFCC-H.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 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

More info and screens

4

5. Dividend

5.1 Amount

AFCC-H has a Yearly Dividend Yield of 5.23%, which is a nice return.
Compared to an average industry Dividend Yield of 7.85, AFCC-H is paying slightly less dividend.
AFCC-H's Dividend Yield is rather good when compared to the S&P500 average which is at 2.40.
Industry RankSector Rank
Dividend Yield 5.23%

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

More info and screens

AUTOMOTIVE FINCO CORP

TSX-V:AFCC-H (6/13/2025, 7:00:00 PM)

0.9

-0.08 (-8.16%)

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 Cap17.84M
Analysts40
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 5.23%
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 8.18
Fwd PE N/A
P/S 5.87
P/FCF 26.29
P/OCF 26.29
P/B 0.66
P/tB 0.66
EV/EBITDA N/A
EPS(TTM)0.11
EY12.22%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0.03
FCFY3.8%
OCF(TTM)0.03
OCFY3.8%
SpS0.15
BVpS1.35
TBVpS1.35
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 8.01%
ROE 8.03%
ROCE 8.03%
ROIC 5.78%
ROICexc 30.41%
ROICexgc 30.41%
OM 71%
PM (TTM) 71%
GM N/A
FCFM 22.35%
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-Score6
Asset Turnover0.11
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 250
Cash Conversion N/A
Profit Quality 31.48%
Current Ratio 308.42
Quick Ratio 308.42
Altman-Z 124.38
F-Score6
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)15.64%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%9.79%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)10.33%
Revenue growth 3YN/A
Revenue growth 5Y-8.66%
Sales Q2Q%8.66%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y13.49%
EBIT growth 3YN/A
EBIT growth 5Y-10.08%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y180.35%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y180.35%
OCF growth 3YN/A
OCF growth 5YN/A