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

TSX-V:AFCC-H • CA05329N1024

Current stock price

1.3 CAD
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This AFCC-H.CA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. AFCC-H.CA Profitability Analysis

1.1 Basic Checks

  • In the past year AFCC-H was profitable.
  • AFCC-H had a positive operating cash flow in the past year.
  • The reported net income has been mixed in the past 5 years: AFCC-H reported negative net income in multiple years.
  • AFCC-H had a negative operating cash flow in each of the past 5 years.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2M -2M 4M 6M

1.2 Ratios

  • Looking at the Return On Assets, with a value of 7.83%, AFCC-H belongs to the top of the industry, outperforming 96.67% of the companies in the same industry.
  • With a decent Return On Equity value of 8.17%, AFCC-H is doing good in the industry, outperforming 63.33% of the companies in the same industry.
  • Looking at the Return On Invested Capital, with a value of 5.88%, AFCC-H is in line with its industry, outperforming 60.00% of the companies in the same industry.
Industry RankSector Rank
ROA 7.83%
ROE 8.17%
ROIC 5.88%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2 -2 4 -4 6 8

1.3 Margins

  • AFCC-H has a Profit Margin of 70.49%. This is amongst the best in the industry. AFCC-H outperforms 96.67% of its industry peers.
  • AFCC-H has a better Operating Margin (70.49%) than 80.00% of its industry peers.
  • In the last couple of years the Operating Margin of AFCC-H has declined.
Industry RankSector Rank
OM 70.49%
PM (TTM) 70.49%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50 -50 -100 -150

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9

2. AFCC-H.CA Health Analysis

2.1 Basic Checks

  • AFCC-H has about the same amout of shares outstanding than it did 1 year ago.
  • Compared to 5 years ago, AFCC-H has less shares outstanding
  • 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 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M

2.2 Solvency

  • An Altman-Z score of 15.36 indicates that AFCC-H is not in any danger for bankruptcy at the moment.
  • Looking at the Altman-Z score, with a value of 15.36, AFCC-H belongs to the top of the industry, outperforming 93.33% 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 15.36
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 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 24.28. This indicates that AFCC-H is financially healthy and has no problem in meeting its short term obligations.
  • The Current ratio of AFCC-H (24.28) is better than 100.00% of its industry peers.
  • AFCC-H has a Quick Ratio of 24.28. 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 24.28, AFCC-H belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 24.28
Quick Ratio 24.28
AFCC-H.CA Yearly Current Assets VS Current LiabilitesAFCC-H.CA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M

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1

3. AFCC-H.CA Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an nice 8.11% over the past year.
  • Looking at the last year, AFCC-H shows a small growth in Revenue. The Revenue has grown by 7.26% in the last year.
  • The Revenue has been decreasing by -8.66% on average over the past years.
EPS 1Y (TTM)8.11%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-0.75%
Revenue 1Y (TTM)7.26%
Revenue growth 3YN/A
Revenue growth 5Y-8.66%
Sales Q2Q%2.09%

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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3

4. AFCC-H.CA Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 11.82 indicates a reasonable valuation of AFCC-H.
  • Compared to the rest of the industry, the Price/Earnings ratio of AFCC-H indicates a rather cheap valuation: AFCC-H is cheaper than 83.33% of the companies listed in the same industry.
  • The average S&P500 Price/Earnings ratio is at 26.21. AFCC-H is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 11.82
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

  • AFCC-H's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. AFCC-H is cheaper than 76.67% of the companies in the same industry.
Industry RankSector Rank
P/FCF 20.81
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

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5

5. AFCC-H.CA Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 15.77%, AFCC-H is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 5.46, 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 1.89.
Industry RankSector Rank
Dividend Yield 15.77%

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 2026 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2M 4M

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AFCC-H.CA Fundamentals: All Metrics, Ratios and Statistics

AUTOMOTIVE FINCO CORP

TSX-V:AFCC-H (4/6/2026, 7:00:00 PM)

1.3

0 (0%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-26
Earnings (Next)04-28
Inst OwnersN/A
Inst Owner ChangeN/A
Ins Owners5.44%
Ins Owner ChangeN/A
Market Cap25.77M
Revenue(TTM)3.05M
Net Income(TTM)2.15M
Analysts40
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 15.77%
Yearly Dividend0
Dividend Growth(5Y)N/A
DP0%
Div Incr Years0
Div Non Decr Years0
Ex-Date03-31
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 11.82
Fwd PE N/A
P/S 8.44
P/FCF 20.81
P/OCF 20.81
P/B 0.98
P/tB 0.98
EV/EBITDA N/A
EPS(TTM)0.11
EY8.46%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0.06
FCFY4.8%
OCF(TTM)0.06
OCFY4.8%
SpS0.15
BVpS1.33
TBVpS1.33
PEG (NY)N/A
PEG (5Y)N/A
Graham Number1.81
Profitability
Industry RankSector Rank
ROA 7.83%
ROE 8.17%
ROCE 8.17%
ROIC 5.88%
ROICexc 37.74%
ROICexgc 37.74%
OM 70.49%
PM (TTM) 70.49%
GM N/A
FCFM 40.56%
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
ROICexgc growth 3YN/A
ROICexgc 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-Score3
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 57.53%
Current Ratio 24.28
Quick Ratio 24.28
Altman-Z 15.36
F-Score3
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)8.11%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-0.75%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)7.26%
Revenue growth 3YN/A
Revenue growth 5Y-8.66%
Sales Q2Q%2.09%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y6.03%
EBIT growth 3YN/A
EBIT growth 5Y-10.08%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y245.72%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y245.72%
OCF growth 3YN/A
OCF growth 5YN/A

AUTOMOTIVE FINCO CORP / AFCC-H.CA Fundamental Analysis FAQ

What is the fundamental rating for AFCC-H stock?

ChartMill assigns a fundamental rating of 5 / 10 to AFCC-H.CA.


What is the valuation status of AUTOMOTIVE FINCO CORP (AFCC-H.CA) stock?

ChartMill assigns a valuation rating of 3 / 10 to AUTOMOTIVE FINCO CORP (AFCC-H.CA). This can be considered as Overvalued.


Can you provide the profitability details for AUTOMOTIVE FINCO CORP?

AUTOMOTIVE FINCO CORP (AFCC-H.CA) has a profitability rating of 4 / 10.


Can you provide the PE and PB ratios for AFCC-H stock?

The Price/Earnings (PE) ratio for AUTOMOTIVE FINCO CORP (AFCC-H.CA) is 11.82 and the Price/Book (PB) ratio is 0.98.


What is the financial health of AUTOMOTIVE FINCO CORP (AFCC-H.CA) stock?

The financial health rating of AUTOMOTIVE FINCO CORP (AFCC-H.CA) is 9 / 10.