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Fincera

OTCPK:YUAN.F
Snowflake Description

Solid track record with imperfect balance sheet.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
YUAN.F
OTCPK
$783M
Market Cap
  1. Home
  2. US
  3. Diversified Financials
Company description

Fincera Inc. focuses on providing online lending and e-commerce services for small and medium-sized businesses (SMBs) and individuals in China. The last earnings update was 25 days ago. More info.


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YUAN.F Share Price and Events
7 Day Returns
-3%
OTCPK:YUAN.F
-1.4%
US Consumer Finance
-1.2%
US Market
1 Year Returns
-
OTCPK:YUAN.F
8.4%
US Consumer Finance
3.3%
US Market
YUAN.F Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
Fincera (YUAN.F) -3% -3.6% -7.8% - 25.5% 166.7%
US Consumer Finance -1.4% 1% 4.5% 8.4% 61.6% 32.1%
US Market -1.2% 0.8% 0.9% 3.3% 35.9% 41.7%
1 Year Return vs Industry and Market
  • No trading data on YUAN.F.
  • No trading data on YUAN.F.
Price Volatility
YUAN.F
Industry
5yr Volatility vs Market
Related Companies

YUAN.F Value

 Is Fincera undervalued based on future cash flows and its price relative to the stock market?

Value is all about what a company is worth versus what price it is available for. If you went into a grocery store and all the bananas were on sale at half price, they could be considered undervalued.
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
  • It is not possible to calculate the future cash flow value for Fincera. This is due to cash flow or dividend data being unavailable. The share price is $16.
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing when they are out of season, or how much your home is worth.

The amount the stock market is willing to pay for Fincera's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are Fincera's earnings available for a low price, and how does this compare to other companies in the same industry?
Raw Data
OTCPK:YUAN.F PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2019-03-31) in CNY CN¥3.92
OTCPK:YUAN.F Share Price ** OTCPK (2019-07-22) in USD $16
OTCPK:YUAN.F Share Price converted to CNY reporting currency Exchange rate (USD/ CNY) 6.881 CN¥110.09
United States of America Consumer Finance Industry PE Ratio Median Figure of 29 Publicly-Listed Consumer Finance Companies 9.86x
United States of America Market PE Ratio Median Figure of 3,082 Publicly-Listed Companies 17.86x

* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.

** Primary Listing of Fincera.

OTCPK:YUAN.F PE (Price to Earnings) Ratio Calculation
Calculation Outcome
PE Ratio

= OTCPK:YUAN.F Share Price ÷ EPS (both in CNY)

= 110.09 ÷ 3.92

28.08x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Fincera is overvalued based on earnings compared to the US Consumer Finance industry average.
  • Fincera is overvalued based on earnings compared to the United States of America market.
Price based on expected Growth
Does Fincera's expected growth come at a high price?
Raw Data
OTCPK:YUAN.F PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section 28.08x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 0 Analysts
Not available
United States of America Consumer Finance Industry PEG Ratio Median Figure of 23 Publicly-Listed Consumer Finance Companies 0.66x
United States of America Market PEG Ratio Median Figure of 2,119 Publicly-Listed Companies 1.57x

*Line of best fit is calculated by linear regression .

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unable to calculate PEG ratio for Fincera, we can't assess if its growth is good value.
Price based on value of assets
What value do investors place on Fincera's assets?
Raw Data
OTCPK:YUAN.F PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2019-03-31) in CNY CN¥7.86
OTCPK:YUAN.F Share Price * OTCPK (2019-07-22) in USD $16
OTCPK:YUAN.F Share Price converted to CNY reporting currency Exchange rate (USD/ CNY) 6.881 CN¥110.09
United States of America Consumer Finance Industry PB Ratio Median Figure of 40 Publicly-Listed Consumer Finance Companies 1.35x
United States of America Market PB Ratio Median Figure of 5,248 Publicly-Listed Companies 1.79x
OTCPK:YUAN.F PB (Price to Book) Ratio Calculation
Calculation Outcome
PB Ratio

= OTCPK:YUAN.F Share Price ÷ Book Value per Share (both in CNY)

= 110.09 ÷ 7.86

14.01x

* Primary Listing of Fincera.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Fincera is overvalued based on assets compared to the US Consumer Finance industry average.
X
Value checks
We assess Fincera's value by looking at:
  1. Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
  2. Is the PE ratio less than the market average, and/ or less than the Consumer Finance industry average (and greater than 0)? (2 checks)
  3. Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
  4. Is the PB ratio less than the Consumer Finance industry average (and greater than 0)? (1 check)
  5. Fincera has a total score of 0/6, see the detailed checks below.

    Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.

    Full details on the Value part of the Simply Wall St company analysis model.

YUAN.F Future Performance

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

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 Simply Wall St do have past financial data. You can see them here.

Show me the analysis anyway

The future performance of a company is measured in the same way as past performance, by looking at estimated growth and how much profit it is expected to make.

Future estimates come from professional analysts. Just like forecasting the weather, they don’t always get it right!
Annual Growth Rate
4.8%
Expected Consumer Finance industry annual growth in earnings.
Earnings growth vs Low Risk Savings
Is Fincera expected to grow at an attractive rate?
  • Unable to compare Fincera's earnings growth to the low risk savings rate as no estimate data is available.
Growth vs Market Checks
  • Unable to compare Fincera's earnings growth to the United States of America market average as no estimate data is available.
  • Unable to compare Fincera's revenue growth to the United States of America market average as no estimate data is available.
Annual Growth Rates Comparison
Raw Data
OTCPK:YUAN.F Future Growth Rates Data Sources
Data Point Source Value (per year)
United States of America Consumer Finance Industry Earnings Growth Rate Market Cap Weighted Average 4.8%
United States of America Consumer Finance Industry Revenue Growth Rate Market Cap Weighted Average 7.6%
United States of America Market Earnings Growth Rate Market Cap Weighted Average 14%
United States of America Market Revenue Growth Rate Market Cap Weighted Average 7.4%

*Line of best fit is calculated by linear regression .

Industry and Market average data is calculated daily.

Learn more about our growth rate calculations in Simply Wall St’s analysis model.

Analysts growth expectations
Raw Data
OTCPK:YUAN.F Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (3 months ago) See Below
Future Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below
All numbers in CNY Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
OTCPK:YUAN.F Past Financials Data
Date (Data in CNY Millions) Revenue Cash Flow Net Income *
2019-03-31 1,100 191
2018-12-31 1,085 1,035 275
2018-09-30 931 350
2018-06-30 985 264
2018-03-31 974 113
2017-12-31 936 2,381 -11
2017-09-30 969 -30
2017-06-30 946 -46
2017-03-31 883 -26
2016-12-31 860 240 -13
2016-09-30 872 -62
2016-06-30 740 -52

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • Unable to determine if Fincera is high growth as no earnings estimate data is available.
  • Unable to determine if Fincera is high growth as no revenue estimate data is available.
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can be gauged below. We look back 3 years and see if they were any good at predicting what actually occurred. We also show the highest and lowest estimates looking forward to see if there is a wide range.
Raw Data
OTCPK:YUAN.F Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (3 months ago) See Below
Future Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below

All data from Fincera Company Filings, last reported 3 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

OTCPK:YUAN.F Past Financials Data
Date (Data in CNY Millions) EPS *
2019-03-31 3.92
2018-12-31 5.65
2018-09-30 7.27
2018-06-30 5.51
2018-03-31 2.39
2017-12-31 -0.23
2017-09-30 -0.65
2017-06-30 -0.98
2017-03-31 -0.54
2016-12-31 -0.28
2016-09-30 -1.31
2016-06-30 -1.11

*GAAP earnings excluding extraordinary items.

Performance in 3 years
In the same way as past performance we look at the future estimated return (profit) compared to the available funds. We do this looking forward 3 years.
  • Unable to establish if Fincera will efficiently use shareholders’ funds in the future without estimates of Return on Equity.

Next steps:

  1. Check out Fincera's track record over time to understand how much the company has returned to shareholders and its earnings growth rate in the past.
  2. Fincera's future outlook can be gauged by looking at industry trends and market size, and determining how well-positioned the company is compared to its competitors. Take a look at other high-growth Diversified Financials companies here
  3. While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on the OTC Markets Website. If you are looking for more of a qualitative research into the company, you can access Fincera's filings and announcements here.
  4. Use fundamentals to screen for another stock to analyse from our database of over 75,000 companies worldwide
X
Future performance checks
We assess Fincera's future performance by looking at:
  1. Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
  2. Is the annual earnings growth rate expected to beat the average growth rate in earnings of the United States of America market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the United States of America market? (1 check)
  4. Is the annual earnings growth rate expected to be above 20%? (1 check)
  5. Is the annual revenue growth rate expected to be above 20%? (1 check)
  6. Is the Return on Equity in 3 years expected to be over 20%? (1 check)
Some of the above checks will fail if the company is expected to be loss making in the relevant year.
Fincera has a total score of 0/6, see the detailed checks below.

Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.

Full details on the Future part of the Simply Wall St company analysis model.

YUAN.F Past Performance

  How has Fincera performed over the past 5 years?

The past performance of a company can be measured by how much growth it has experienced and how much profit it makes relative to the funds and assets it has available.
Past earnings growth
Below we compare Fincera's growth in the last year to its industry (Consumer Finance).
Past Earnings growth analysis
We also check if the company has grown in the past 5 years, and whether it has maintained that growth in the year.
  • Fincera has delivered over 20% year on year earnings growth in the past 5 years.
  • Fincera's 1-year earnings growth exceeds its 5-year average (68.9% vs 54.5%)
  • Fincera's earnings growth has exceeded the US Consumer Finance industry average in the past year (68.9% vs 50%).
Earnings and Revenue History
Fincera's revenue and profit over the past 5 years is shown below, any years where they have experienced a loss will show up in red.
Raw Data

All data from Fincera Company Filings, last reported 3 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

OTCPK:YUAN.F Past Revenue, Cash Flow and Net Income Data
Date (Data in CNY Millions) Revenue Net Income * G+A Expenses R&D Expenses
2019-03-31 1,100.09 191.39 398.59 83.25
2018-12-31 1,084.96 274.79 251.67 80.06
2018-09-30 930.59 350.45 233.26 80.64
2018-06-30 984.91 263.56 234.28 80.18
2018-03-31 973.61 113.31 298.18 82.32
2017-12-31 935.61 -10.72 385.25 82.38
2017-09-30 968.98 -30.46 374.61 81.68
2017-06-30 946.43 -46.14 355.24 76.39
2017-03-31 883.30 -25.66 317.85 68.96
2016-12-31 860.12 -13.36 288.41 62.65
2016-09-30 872.25 -61.77 259.51 55.24
2016-06-30 740.03 -52.26 209.58 50.05
2016-03-31 590.37 -51.37 168.01 43.93
2015-12-31 426.78 -59.95 127.85 38.33
2015-09-30 -3,505.20 -148.12 -160.97 27.70
2015-06-30 -2,413.50 -131.20 -93.25 17.09
2015-03-31 -913.16 -104.06 -14.35 8.20
2014-12-31 124.18 -181.97 92.48 20.60
2014-09-30 5,092.44 52.59 374.27
2014-06-30 5,138.39 55.06 386.52
2014-03-31 4,632.85 54.81 377.17
2013-12-31 4.10 -53.07 55.90
2013-09-30 2,887.77 65.09 348.97
2013-06-30 2,264.52 73.07 358.37
2013-03-31 1,873.35 99.04 346.83
2012-12-31 2,076.39 146.79 324.61
2012-09-30 2,443.43 174.87 317.85

*GAAP earnings excluding extraordinary items.

Performance last year
We want to ensure a company is making the most of what it has available. This is done by comparing the return (profit) to a company's available funds, assets and capital.
  • Whilst Fincera made outstanding use of shareholders’ funds last year (Return on Equity greater than 40%), this is metric is skewed due to its high level of debt.
  • Fincera used its assets more efficiently than the US Consumer Finance industry average last year based on Return on Assets.
  • Fincera has significantly improved its use of capital last year versus 3 years ago (Return on Capital Employed).
X
Past performance checks
We assess Fincera's performance over the past 5 years by checking for:
  1. Has earnings increased in past 5 years? (1 check)
  2. Has the earnings growth in the last year exceeded that of the Consumer Finance industry? (1 check)
  3. Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
  4. Is the Return on Equity (ROE) higher than 20%? (1 check)
  5. Is the Return on Assets (ROA) above industry average? (1 check)
  6. Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent earnings report. Some checks require at least 3 or 5 years worth of data.
Fincera has a total score of 5/6, see the detailed checks below.

Note: We use GAAP Net Income excluding extraordinary items in all our calculations.

Full details on the Past part of the Simply Wall St company analysis model.

YUAN.F Health

 How is Fincera's financial health and their level of debt?

A company's financial position is much like your own financial position, it includes everything you own (assets) and owe (liabilities).

The boxes below represent the relative size of what makes up Fincera's finances.

The net worth of a company is the difference between its assets and liabilities.
Net Worth
  • Fincera's short term (1 year) commitments are greater than its holdings of cash and other short term assets.
  • Fincera's cash and other short term assets cover its long term commitments.
Balance sheet
This treemap shows a more detailed breakdown of Fincera's finances. If any of them are yellow this indicates they may be out of proportion and red means they relate to one of the checks below.
Assets
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
  • High level of physical assets or inventory.
  • Debt is covered by short term assets, assets are 1x debt.
Historical Debt
Nearly all companies have debt. Debt in itself isn’t bad, however if the debt is too high, or the company can’t afford to pay the interest on its debts this may have impacts in the future.

The graphic below shows equity (available funds) and debt, we ideally want to see the red area (debt) decreasing.

If there is any debt we look at the companies capability to repay it, and whether the level has increased over the past 5 years.
Raw Data

All data from Fincera Company Filings, last reported 3 months ago.

OTCPK:YUAN.F Past Debt and Equity Data
Date (Data in CNY Millions) Total Equity Total Debt Cash & Short Term Investments
2019-03-31 384.23 3,026.06 438.70
2018-12-31 363.62 3,488.75 994.49
2018-09-30 418.74 3,806.88 664.86
2018-06-30 317.11 3,471.64 748.43
2018-03-31 182.30 3,202.45 1,155.25
2017-12-31 -119.61 4,000.39 1,123.30
2017-09-30 -154.95 6,273.90 680.83
2017-06-30 -171.03 8,225.67 649.75
2017-03-31 148.87 6,912.59 782.38
2016-12-31 157.05 6,501.41 722.30
2016-09-30 1,668.90 4,159.09 519.38
2016-06-30 1,677.90 3,775.40 797.24
2016-03-31 1,666.24 3,207.90 842.64
2015-12-31 1,645.02 3,677.94 469.16
2015-09-30 1,639.50 3,192.27 991.66
2015-06-30 1,668.53 2,179.12 271.00
2015-03-31 1,641.75 1,875.73 189.20
2014-12-31 1,631.45 1,281.17 161.42
2014-09-30 1,571.90 1,908.36 127.02
2014-06-30 1,572.07 2,139.62 268.33
2014-03-31 1,542.33 1,775.11 237.87
2013-12-31 1,530.48 1,566.80 189.91
2013-09-30 1,502.44 957.42 58.33
2013-06-30 1,474.65 1,091.28 401.43
2013-03-31 1,433.29 965.93 505.76
2012-12-31 1,423.44 1,061.41 472.34
2012-09-30
  • Fincera's level of debt (787.6%) compared to net worth is high (greater than 40%).
  • The level of debt compared to net worth has increased over the past 5 years (115.3% vs 787.6% today).
  • Debt is well covered by operating cash flow (34.2%, greater than 20% of total debt).
  • Interest payments on debt are not well covered by earnings (EBIT is 2.2x annual interest expense, ideally 3x coverage).
X
Financial health checks
We assess Fincera's financial health by checking for:
  1. Are short term assets greater than short term liabilities? (1 check)
  2. Are short term assets greater than long term liabilities? (1 check)
  3. Has the debt to equity ratio increased in the past 5 years? (1 check)
  4. Is the debt to equity ratio over 40%? (1 check)
  5. Is the debt covered by operating cash flow? (1 check)
  6. Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check)
  7. Fincera has a total score of 2/6, see the detailed checks below.
For companies that are loss making and have been so on average in the past we replace the last 2 checks with:
  1. Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
  2. Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)


Full details on the Health part of the Simply Wall St company analysis model.

YUAN.F Dividends

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

Dividends are regular cash payments to you from the company, similar to a bank paying you interest on a savings account.
Annual Dividend Income
Dividend payments
1.84%
Current annual income from Fincera dividends.
If you bought $2,000 of Fincera shares you are expected to receive $37 in your first year as a dividend.
Dividend Amount
Here we look how much dividend is being paid, if any. Is it above what you can get in a savings account? It is up there with the best dividend paying companies?
  • Fincera's pays a higher dividend yield than the bottom 25% of dividend payers in United States of America (1.44%).
  • Fincera's dividend is below the markets top 25% of dividend payers in United States of America (3.78%).
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not wildly increasing/decreasing each year. This graph shows you the historical rate to count toward your assessment of the stock.

We also check to see if the dividend has increased in the past 10 years.
Raw Data
OTCPK:YUAN.F Annualized Past and Future Dividends
Data Point Source Value
Past Annualized Dividend Yield S&P Global Market Data See Below
Past Dividends per Share Company Filings/ Annualized Dividend Payments See Below
Future Dividends per Share Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below
United States of America Consumer Finance Industry Average Dividend Yield Market Cap Weighted Average of 15 Stocks 1.7%
United States of America Market Average Dividend Yield Market Cap Weighted Average of 2017 Stocks 2.4%
United States of America Minimum Threshold Dividend Yield 10th Percentile 0.8%
United States of America Bottom 25% Dividend Yield 25th Percentile 1.4%
United States of America Top 25% Dividend Yield 75th Percentile 3.8%

Industry and Market average data is calculated daily.

Note all dividend per share amounts are annualized and not quarterly or other period.

OTCPK:YUAN.F Past Annualized Dividends Data
Date (Data in CN¥) Dividend per share (annual) Avg. Yield (%)
2019-05-06 2.030 1.898

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • It is too early to tell whether Fincera has stable dividend payments.
  • Fincera only just started paying a dividend, it is too early to tell if payments are increasing.
Current Payout to shareholders
What portion of Fincera's earnings are paid to the shareholders as a dividend.
  • Dividends paid are covered by earnings (1.9x coverage).
Future Payout to shareholders
  • Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.
X
Income/ dividend checks
We assess Fincera's dividend by checking for:
  1. Firstly is the company paying a notable dividend (greater than 0.8%) - if not then the rest of the checks are ignored.
  2. Is current dividend yield above the bottom 25% of dividend payers? (1 check)
  3. Is current dividend yield above the top 25% of dividend payers? (1 check)
  4. Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
  5. If they have paid a dividend for 10 years has it increased in this time? (1 check)
  6. How sustainable is the dividend, can Fincera afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
  7. Fincera has a total score of 2/6, see the detailed checks below.


Full details on the Dividends part of the Simply Wall St company analysis model.

YUAN.F Management

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

Management is one of the most important areas of a company. We look at unreasonable CEO compensation, how long the team and board of directors have been around for and insider trading.
CEO
Yong Hui Li
COMPENSATION CN¥0
AGE 57
TENURE AS CEO 10.3 years
CEO Bio

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. and Hebei Kaiyuan Real Estate Development Co., Ltd. and serves as their Chairman and Chief Executive Officer. He founded ACG and serves as its Chairman and Chief Executive Officer. In 1994, Mr. Li founded Shijiazhuang Hi-tech Zone Kaiyuan Auto Trade Co., which was a pioneer in the commercial vehicle leasing business in Hebei Province. From February 2001 to May 2006, Mr. Li oversaw Kaiyuan Real Estate Development Co., Ltd's development of the largest steel-framed construction in Hebei Province, consisting of residential complexes, office towers and an upscale shopping mall, which covered over one million square feet. He served as the Chairman of Prime Acquisition Corp., since February 4, 2010. He has been a Director of Fincera Inc. and Autochina International Limited (formerly Spring Creek Acquisition Corp) since April 9, 2009. Mr. Li graduated from Tianjin University in June 1985 with a bachelor's degree in Optical Physics. He serves as President of Fincera Inc.

CEO Compensation
  • Insufficient data for Yong Hui to compare compensation growth.
  • Yong Hui's remuneration is lower than average for companies of similar size in United States of America.
Management Team Tenure

Average tenure and age of the Fincera management team in years:

4.1
Average Tenure
43
Average Age
  • The tenure for the Fincera management team is about average.
Management Team

Yong Hui Li

TITLE
Chairman
AGE
57
TENURE
10.3 yrs

Jason Wang

TITLE
Chief Financial Officer
COMPENSATION
CN¥2M
AGE
43
TENURE
10 yrs

AJ Zhou

TITLE
Chief Technology Officer
COMPENSATION
CN¥2M
AGE
34
TENURE
2.2 yrs

Spencer Li

TITLE
Vice President of Operations
COMPENSATION
CN¥828K
AGE
30
TENURE
4.1 yrs

Gary Wen

TITLE
Vice President of Product
COMPENSATION
CN¥1M
AGE
35
TENURE
1.3 yrs

Tom Shen

TITLE
Head of Operations & Director
AGE
46
TENURE
3.9 yrs

Carolyne Sohn

TITLE
Investor Relations

Hui Yan

TITLE
Secretary
COMPENSATION
CN¥146K
AGE
54
TENURE
10.3 yrs
Board of Directors Tenure

Average tenure and age of the Fincera board of directors in years:

10.3
Average Tenure
55
Average Age
  • The average tenure for the Fincera board of directors is over 10 years, this suggests they are a seasoned and experienced board.
Board of Directors

Yong Hui Li

TITLE
Chairman
AGE
57
TENURE
10.3 yrs

Tom Shen

TITLE
Head of Operations & Director
AGE
46
TENURE
0.9 yrs

James Sha

TITLE
Director
COMPENSATION
CN¥30K
AGE
69
TENURE
11.8 yrs

Diana Liu

TITLE
Director
COMPENSATION
CN¥30K
AGE
55
TENURE
11.8 yrs

Ling Chen Leon

TITLE
Director
COMPENSATION
CN¥30K
AGE
55
TENURE
7.6 yrs
Who owns this company?
Recent Insider Trading
  • No 3 month individual insider trading information.
Recent Insider Transactions
Announced Type Name Entity Role Start End Shares Max Price ($) Value ($)
X
Management checks
We assess Fincera's management by checking for:
  1. Is the CEO's compensation unreasonable compared to market cap? (1 check)
  2. Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
  3. Is the average tenure of the management team less than 2 years? (1 check)
  4. Is the average tenure of the board of directors team less than 3 years? (1 check)
  5. Fincera has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.


Note: We use the top 6 management executives and board members in our calculations.

Note 2: Insider trading include any internal stakeholders and these transactions .

Full details on the Management part of the Simply Wall St company analysis model.

YUAN.F News

Simply Wall St News

YUAN.F Company Info

Description

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 CeraPay, a revolving credit product that processes and settles transactions between its borrowers and merchants; and CeraVest, a peer-to-peer lending platform that provides short-term financing primarily to SMBs. Its e-commerce products comprise TruShip, an online e-commerce platform for trucking industry merchants; AutoChekk, an e-commerce platform for the passenger vehicle industry; and PingPing, an e-commerce platform for small businesses to establish an online presence. 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. Fincera Inc. operates as a subsidiary of Honest Best International Ltd.

Details
Name: Fincera Inc.
YUAN.F
Exchange: OTCPK
Founded: 1994
$782,663,216
48,916,451
Website: http://www.fincera.net
Address: Fincera Inc.
Kaiyuan Finance Center,
27th Floor,
Shijiazhuang,
Hebei Province, China
Listings
Exchange Symbol Ticker Symbol Security Exchange Country Currency Listed on
OTCPK YUAN.F Ordinary Shares Pink Sheets LLC US USD 15. Apr 2009
Number of employees
Current staff
Staff numbers
762
Fincera employees.
Industry
Consumer Finance
Diversified Financials
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2019/07/23 00:14
End of day share price update: 2019/07/22 00:00
Last earnings filing: 2019/06/28
Last earnings reported: 2019/03/31
Last annual earnings reported: 2018/12/31


All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.

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.