AUTOMOTIVE FINCO CORP (AFCC-H.CA) Stock Fundamental Analysis
Canada - TSX-V:AFCC-H - CA05329N1024 - Common Stock
0.99 CAD
-0.04 (-3.88%)
We assign a fundamental rating of 5 out of 10 to AFCC-H. AFCC-H was compared to 28 industry peers in the Financial Services industry. While AFCC-H has a great health rating, its profitability is only average at the moment. AFCC-H has a valuation in line with the averages, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
AFCC-H had positive earnings in the past year.
In the past year AFCC-H had a positive cash flow from operations.
In multiple years AFCC-H reported negative net income over the last 5 years.
AFCC-H had a negative operating cash flow in each of the past 5 years.
1.2 Ratios
AFCC-H has a better Return On Assets (7.83%) than 100.00% of its industry peers.
AFCC-H has a Return On Equity (8.17%) which is in line with its industry peers.
Looking at the Return On Invested Capital, with a value of 5.88%, AFCC-H is in the better half of the industry, outperforming 75.00% of the companies in the same industry.
| Industry Rank | Sector 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
1.3 Margins
With an excellent Profit Margin value of 70.49%, AFCC-H belongs to the best of the industry, outperforming 96.43% of the companies in the same industry.
AFCC-H has a better Operating Margin (70.49%) than 67.86% of its industry peers.
AFCC-H's Operating Margin has declined in the last couple of years.
| Industry Rank | Sector 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
2. Health
2.1 Basic Checks
AFCC-H has about the same amout of shares outstanding than it did 1 year ago.
The number of shares outstanding for AFCC-H has been reduced compared to 5 years ago.
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.
2.2 Solvency
An Altman-Z score of 12.53 indicates that AFCC-H is not in any danger for bankruptcy at the moment.
The Altman-Z score of AFCC-H (12.53) is better than 85.71% 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 | 0 | ||
| Altman-Z | 12.53 |
ROIC/WACCN/A
WACCN/A
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.
Looking at the Current ratio, with a value of 24.28, AFCC-H belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
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.
AFCC-H's Quick ratio of 24.28 is amongst the best of the industry. AFCC-H outperforms 100.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 24.28 | ||
| Quick Ratio | 24.28 |
3. Growth
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.
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)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.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 9.00, 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 89.29% of the companies in the same industry.
AFCC-H is valuated cheaply when we compare the Price/Earnings ratio to 26.83, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9 | ||
| Fwd PE | N/A |
4.2 Price Multiples
AFCC-H's Price/Free Cash Flow ratio is rather cheap when compared to the industry. AFCC-H is cheaper than 82.14% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 15.85 | ||
| 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
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 19.71%, AFCC-H is a good candidate for dividend investing.
AFCC-H's Dividend Yield is rather good when compared to the industry average which is at 6.60. AFCC-H pays more dividend than 100.00% of the companies in the same industry.
AFCC-H's Dividend Yield is rather good when compared to the S&P500 average which is at 2.30.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 19.71% |
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
5.3 Sustainability
DP0%
EPS Next 2YN/A
EPS Next 3YN/A
TSX-V:AFCC-H (10/28/2025, 7:00:00 PM)
0.99
-0.04 (-3.88%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst OwnersN/A
Inst Owner ChangeN/A
Ins Owners5.44%
Ins Owner ChangeN/A
Market Cap19.62M
Revenue(TTM)3.05M
Net Income(TTM)2.15M
Analysts40
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 19.71% |
Yearly Dividend0
Dividend Growth(5Y)N/A
DP0%
Div Incr Years0
Div Non Decr Years0
Ex-Date
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 | 9 | ||
| Fwd PE | N/A | ||
| P/S | 6.43 | ||
| P/FCF | 15.85 | ||
| P/OCF | 15.85 | ||
| P/B | 0.74 | ||
| P/tB | 0.74 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.11
EY11.11%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0.06
FCFY6.31%
OCF(TTM)0.06
OCFY6.31%
SpS0.15
BVpS1.33
TBVpS1.33
PEG (NY)N/A
PEG (5Y)N/A
Graham Number1.81
Profitability
| Industry Rank | Sector 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 Rank | Sector 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 | 12.53 |
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 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 for AFCC-H stock?
ChartMill assigns a valuation rating of 4 / 10 to AUTOMOTIVE FINCO CORP (AFCC-H.CA). This can be considered as Fairly Valued.
How profitable is AUTOMOTIVE FINCO CORP (AFCC-H.CA) stock?
AUTOMOTIVE FINCO CORP (AFCC-H.CA) has a profitability rating of 4 / 10.
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.
Can you provide the dividend sustainability for AFCC-H stock?
The dividend rating of AUTOMOTIVE FINCO CORP (AFCC-H.CA) is 5 / 10 and the dividend payout ratio is 0%.