OTCPK:YUAN.F

Stock Analysis Report

Executive Summary

Fincera Inc. focuses on providing online lending and e-commerce services for small and medium-sized businesses (SMBs) and individuals in China.


Snowflake Analysis

Questionable track record unattractive dividend payer.


Similar Companies

Share Price & News

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


Latest Share Price and Events

Stable Share Price: YUAN.F has not had significant price volatility in the past 3 months.


Market Performance


7 Day Return

-26.3%

YUAN.F

-0.9%

US Consumer Finance

5.3%

US Market


1 Year Return

-87.6%

YUAN.F

-35.4%

US Consumer Finance

-10.7%

US Market

Return vs Industry: YUAN.F underperformed the US Consumer Finance industry which returned -35.4% over the past year.

Return vs Market: YUAN.F underperformed the US Market which returned -10.7% over the past year.


Shareholder returns

YUAN.FIndustryMarket
7 Day-26.3%-0.9%5.3%
30 Day63.4%-32.9%-13.6%
90 Day69.4%-40.7%-19.8%
1 Year-87.4%-87.6%-34.3%-35.4%-8.9%-10.7%
3 Year-85.8%-87.1%-14.0%-18.1%15.5%8.0%
5 Year-79.8%-81.7%-14.3%-20.5%35.2%20.4%

Price Volatility Vs. Market

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


Simply Wall St News

No news available

Valuation

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

5.99x

Price to Earnings (PE) ratio


Share Price vs. Fair Value

Below Fair Value: Insufficient data to calculate YUAN.F's fair value to establish if it is undervalued.

Significantly Below Fair Value: Insufficient data to calculate YUAN.F's fair value to establish if it is undervalued.


Price To Earnings Ratio

PE vs Industry: YUAN.F is poor value based on its PE Ratio (6x) compared to the Consumer Finance industry average (4.9x).

PE vs Market: YUAN.F is good value based on its PE Ratio (6x) compared to the US market (13.1x).


Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate YUAN.F's PEG Ratio to determine if it is good value.


Price to Book Ratio

PB vs Industry: YUAN.F is overvalued based on its PB Ratio (2.1x) compared to the US Consumer Finance industry average (0.7x).


Next Steps

Future Growth

How is Fincera forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

1.5%

Forecasted Diversified Financials industry annual growth in earnings


In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Fincera has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.


Next Steps

Past Performance

How has Fincera performed over the past 5 years?

59.4%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: YUAN.F has high quality earnings.

Growing Profit Margin: YUAN.F's current net profit margins (11%) are lower than last year (26.8%).


Past Earnings Growth Analysis

Earnings Trend: YUAN.F's earnings have grown significantly by 59.4% per year over the past 5 years.

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

Earnings vs Industry: YUAN.F had negative earnings growth (-54%) over the past year, making it difficult to compare to the Consumer Finance industry average (10%).


Return on Equity

High ROE: Whilst YUAN.F's Return on Equity (34.66%) is high, this metric is skewed due to their high level of debt.


Next Steps

Financial Health

How is Fincera's financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet

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

Debt Coverage by Assets: YUAN.F's debt is not covered by short term assets (assets are 1x debt).


Financial Institutions Analysis

Asset Level: YUAN.F's level of assets compared to its equity is moderate.

Allowance for Bad Loans: Insufficient data to determine if YUAN.F has a sufficient allowance for bad loans.

Low Risk Liabilities: YUAN.F reports no customer deposits, loans are made up entirely of externally borrowed funds.

Loan Level: Insufficient data to determine if YUAN.F has an acceptable proportion of non-loan assets held.

Low Risk Deposits: YUAN.F has advanced significantly more loans than the customer deposits it holds.

Level of Bad Loans: Insufficient data to determine if YUAN.F has an appropriate level of bad loans.


Next Steps

Dividend

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

27.67%

Current Dividend Yield


Dividend Yield vs Market

Notable Dividend: YUAN.F's dividend (27.67%) is higher than the bottom 25% of dividend payers in the US market (1.95%).

High Dividend: YUAN.F's dividend (27.67%) is in the top 25% of dividend payers in the US market (5.37%)


Stability and Growth of Payments

Stable Dividend: Too early to tell whether YUAN.F's dividend payments have been stable as they only just started paying a dividend.

Growing Dividend: Too early to tell if YUAN.F's dividend payments are increasing as they only just started paying a dividend.


Current Payout to Shareholders

Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?

10.8yrs

Average management tenure


CEO

Yong Hui Li (57yo)

11s

Tenure

Mr. Yong Hui Li founded Fincera Inc. in 2005 and has been its Chairman and Chief Executive Officer since April 9, 2009. Mr. Li serves as President of Fincera Inc. He is the founder of AutoChina Group Inc.  ...


CEO Compensation Analysis

Compensation vs Market: Yong Hui's total compensation ($USD0.00) is below average for companies of similar size in the US market ($USD605.16K).

Compensation vs Earnings: Insufficient data to compare Yong Hui's compensation with company performance.


Leadership Team

NamePositionTenureCompensationOwnership
Yong Hui Li
Chairman11yrsno data81.24% CN¥83.5m
Chia-Lun Wang
Chief Financial Officer10.75yrsCN¥1.78m0.065% CN¥66.8k
Zijian Zhou
Chief Technology Officer2.92yrsCN¥1.53m0.0033% CN¥3.4k
Hui Shen
Head of Operations & Director1.67yrsno data0.0027% CN¥2.8k
Hui Yan
Secretary11yrsCN¥10.51kno data

10.8yrs

Average Tenure

47yo

Average Age

Experienced Management: YUAN.F's management team is seasoned and experienced (10.8 years average tenure).


Board Members

NamePositionTenureCompensationOwnership
Yong Hui Li
Chairman11yrsno data81.24% CN¥83.5m
Hui Shen
Head of Operations & Director1.67yrsno data0.0027% CN¥2.8k
Cheng-Jee Sha
Independent Director12.5yrsCN¥30.00k5.29% CN¥5.4m
Chia-Huei Liu
Independent Director12.5yrsCN¥30.00k0.98% CN¥1.0m
Ling Chen Leon
Independent Director8.33yrsCN¥30.00k0.011% CN¥11.8k

11.0yrs

Average Tenure

55yo

Average Age

Experienced Board: YUAN.F's board of directors are seasoned and experienced ( 11 years average tenure).


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

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


Ownership Breakdown

Dilution of Shares: Shareholders have been diluted in the past year, with total shares outstanding growing by 2.3%.


Top Shareholders

Company Information

Fincera Inc.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Fincera Inc.
  • Ticker: YUAN.F
  • Exchange: OTCPK
  • Founded: 1994
  • Industry: Consumer Finance
  • Sector: Diversified Financials
  • Market Cap: US$102.739m
  • Shares outstanding: 48.92m
  • Website: https://www.fincera.net

Number of Employees


Location

  • Fincera Inc.
  • Kaiyuan Finance Center
  • 27th Floor
  • Shijiazhuang
  • Hebei Province
  • China

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
YUAN.FOTCPK (Pink Sheets LLC)YesOrdinary SharesUSUSDApr 2009

Biography

Fincera Inc. focuses on providing online lending and e-commerce services for small and medium-sized businesses (SMBs) and individuals in China. The company operates in two segments, Internet-Based Financial and E-Commerce Services, and Property Lease and Management. The company’s financial services platforms include CeraVest, a peer-to-peer lending platform that provides short-term financing primarily to SMBs; and CeraPay, a revolving credit product that processes and settles transactions between its borrowers and merchants. The company also owns and leases office space; and operates and manages Shijiazhuang Hilton hotel in the Kaiyuan Finance Center building. The company was formerly known as AutoChina International Limited and changed its name to Fincera Inc. in July 2015. Fincera Inc. was founded in 1994 and is headquartered in Shijiazhuang, the People’s Republic of China. 


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2020/04/01 01:18
End of Day Share Price2020/03/31 00:00
Earnings2019/06/30
Annual Earnings2018/12/31


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.