AIM:CAMB

Stock Analysis Report

Executive Summary

Cambria Automobiles plc operates as a retailer of new and used cars, commercial vehicles, and motorbikes in the United Kingdom.

Snowflake

Fundamentals

Adequate balance sheet and fair value.

Share Price & News

How has Cambria Automobiles's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

-0.9%

CAMB

2.7%

GB Specialty Retail

-0.4%

GB Market


1 Year Return

7.5%

CAMB

15.5%

GB Specialty Retail

2.9%

GB Market

Return vs Industry: CAMB underperformed the UK Specialty Retail industry which returned 15.5% over the past year.

Return vs Market: CAMB exceeded the UK Market which returned 2.9% over the past year.


Shareholder returns

CAMBIndustryMarket
7 Day-0.9%2.7%-0.4%
30 Day1.8%8.1%-1.4%
90 Day-0.9%8.8%-2.1%
1 Year9.4%7.5%19.6%15.5%7.9%2.9%
3 Year-0.3%-5.0%3.6%-6.8%18.0%3.6%
5 Year30.3%21.3%11.4%-5.0%35.8%6.4%

Price Volatility Vs. Market

How volatile is Cambria Automobiles's share price compared to the market and industry in the last 5 years?


Simply Wall St News

Valuation

Is Cambria Automobiles undervalued compared to its fair value and its price relative to the market?

6.81x

Price to Earnings (PE) ratio


Share Price vs. Fair Value

Undervalued: CAMB (£0.57) is trading above our estimate of fair value (£0.51)

Significantly Undervalued: CAMB is trading above our estimate of fair value.


Price To Earnings Ratio

PE vs Industry: CAMB is good value based on its PE Ratio (6.8x) compared to the Specialty Retail industry average (14.6x).

PE vs Market: CAMB is good value based on its PE Ratio (6.8x) compared to the UK market (16.7x).


Price to Earnings Growth Ratio

Low PEG Ratio: CAMB is poor value based on its PEG Ratio (1.7x)


Price to Book Ratio

PB vs Industry: CAMB is good value based on its PB Ratio (0.9x) compared to the GB Specialty Retail industry average (1x).


Next Steps

Future Growth

How is Cambria Automobiles forecast to perform in the next 1 to 3 years based on estimates from 2 analysts?

4.1%

Forecasted annual earnings growth


Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

Earnings vs Savings Rate: CAMB's forecast earnings growth (4.1% per year) is above the savings rate (1.2%).

Earnings vs Market: CAMB's earnings (4.1% per year) are forecast to grow slower than the UK market (12.6% per year).

High Growth Earnings: CAMB's earnings are forecast to grow, but not significantly.

Revenue vs Market: CAMB's revenue (3% per year) is forecast to grow slower than the UK market (3.9% per year).

High Growth Revenue: CAMB's revenue (3% per year) is forecast to grow slower than 20% per year.


Earnings per Share Growth Forecasts


Future Return on Equity

High Future ROE: Insufficient data to determine if CAMB's Return on Equity is forecast to be high in 3 years time


Next Steps

Past Performance

How has Cambria Automobiles performed over the past 5 years?

13.0%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Earnings Trend: CAMB's earnings have grown by 13% per year over the past 5 years.

Accelerating Growth: CAMB's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: CAMB had negative earnings growth (-1%) over the past year, making it difficult to compare to the Specialty Retail industry average (-1.9%).


Return on Equity

High ROE: CAMB's Return on Equity (13.8%) is considered low.


Return on Assets

ROA vs Industry: CAMB has a higher Return on Assets than the Specialty Retail industry average last year.


Return on Capital Employed

ROCE Improving: CAMB's Return on Capital Employed has declined over the past 3 years.


Next Steps

Financial Health

How is Cambria Automobiles's financial position?


Financial Position Analysis

Short Term Liabilities: CAMB's short term assets (£161.2M) do not cover its short term liabilities (£170.7M)

Long Term Liabilities: CAMB's short term assets (161.2M) exceeds its long term liabilities (27.3M)


Debt to Equity History and Analysis

Debt Level: CAMB's debt to equity ratio (43%) is considered high

Reducing Debt: CAMB's debt to equity ratio has reduced from 54% to 43% over the past 5 years.

Debt Coverage: CAMB's debt is well covered by operating cash flow (70.2%).

Interest Coverage: CAMB's interest payments on its debt are well covered by EBIT (9.9x coverage).


Balance Sheet

Inventory Level: CAMB has a high level of physical assets or inventory.

Debt Coverage by Assets: CAMB's debt is covered by short term assets (assets are 6.182500x debt).


Next Steps

Dividend

What is Cambria Automobiles's current dividend yield, its reliability and sustainability?

1.75%

Current Dividend Yield


Dividend Yield vs Market

company1.8%marketbottom25%2.0%markettop25%5.4%industryaverage2.9%forecastin3Years1.8%

Current dividend yield vs market & industry


Stability and Growth of Payments

Notable Dividend: CAMB's dividend (1.75%) isn’t notable compared to the bottom 25% of dividend payers in the UK market (2.01%).

High Dividend: CAMB's dividend (1.75%) is low compared to the top 25% of dividend payers in the UK market (5.36%).

Stable Dividend: CAMB has been paying a dividend for less than 10 years and during this time payments have been volatile.

Growing Dividend: CAMB's dividend payments have increased, but the company has only paid a dividend for 8 years.


Current Payout to Shareholders

Dividend Coverage: With its low payout ratio (11.9%), CAMB's dividend payments are thoroughly covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: CAMB's dividends in 3 years are forecast to be thoroughly covered by earnings (10.4% payout ratio).


Next Steps

Management

What is the CEO of Cambria Automobiles's salary, the management and board of directors tenure and is there insider trading?

2.9yrs

Average board tenure


CEO

Mark Lavery 0

13.8yrs

Tenure

UK£718,000

Compensation

Mr. Mark J. J. Lavery has been the Chief Executive Officer of Cambria Automobiles plc since 2006 and serves as its Executive Director. 


CEO Compensation Analysis

Compensation vs. Market: Mark's total compensation ($USD924.22K) is above average for companies of similar size in the UK market ($USD320.52K).

Compensation vs Earnings: Mark's compensation has been consistent with company performance over the past year.


Board Age and Tenure

2.9yrs

Average Tenure

62yo

Average Age

Experienced Board: CAMB's board of directors are not considered experienced ( 2.9 years average tenure), which suggests a new board.


Insider Trading

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Ownership Breakdown


Management Team

  • Mark Lavery

    CEO & Executive Director

    • Tenure: 13.8yrs
    • Compensation: UK£718.00k
  • James Mullins

    Finance Director & Executive Director

    • Tenure: 0yrs
    • Compensation: UK£409.00k
  • Tim Duckers

    MD of Motor Division & Director

    • Tenure: 3.1yrs
    • Compensation: UK£362.00k

Board Members

  • William Charnley (58yo)

    Non-Executive Director

    • Tenure: 2.7yrs
  • Philip Swatman (69yo)

    Non-Executive Chairman

    • Tenure: 7.5yrs
    • Compensation: UK£40.00k
  • Michael Burt

    Director

    • Tenure: 0yrs
    • Compensation: UK£33.00k
  • Mark Lavery

    CEO & Executive Director

    • Tenure: 13.8yrs
    • Compensation: UK£718.00k
  • James Mullins

    Finance Director & Executive Director

    • Tenure: 0yrs
    • Compensation: UK£409.00k
  • Tim Duckers

    MD of Motor Division & Director

    • Tenure: 3.1yrs
    • Compensation: UK£362.00k
  • Paul McGill (62yo)

    Non-Executive Director

    • Tenure: 2.7yrs
    • Compensation: UK£25.00k

Company Information

Cambria Automobiles plc's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Cambria Automobiles plc
  • Ticker: CAMB
  • Exchange: AIM
  • Founded: 2006
  • Industry: Automotive Retail
  • Sector: Retail
  • Market Cap: UK£57.000m
  • Shares outstanding: 100.00m
  • Website: https://www.cambriaautomobilesplc.com

Number of Employees


Location

  • Cambria Automobiles plc
  • Swindon Motor Park
  • Dorcan Way
  • Swindon
  • Wiltshire
  • SN3 3RA
  • United Kingdom

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
CAMBAIM (London Stock Exchange AIM Market)YesCommon SharesGBGBPApr 2010

Biography

Cambria Automobiles plc operates as a retailer of new and used cars, commercial vehicles, and motorbikes in the United Kingdom. The company offers its products under the Doves, Grange, Dees, Invicta, Motor ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/10/19 21:00
End of Day Share Price2019/10/18 00:00
Earnings2019/02/28
Annual Earnings2018/08/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.