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Our business is to purchase and service retail automobile contracts originated primarily by franchised automobile dealers and, to a lesser extent, by select independent dealers in the United States in the sale of new and used automobiles, light trucks and passenger vans. Through our automobile contract purchases, we provide indirect financing to the customers of dealers who have limited credit …
Net margin is thin at 4.48%. This may reflect rising credit costs, rate compression, or operational inefficiency.
Revenue grew 11.2% YoY.
Traditional FCF and operating-margin metrics are not meaningful for financial institutions. Evaluate using net interest margin, credit quality, and capital ratios instead.
Profitability & Returns
Revenue (TTM)
$436M
▲ +11.2% YoY
Net Income (TTM)
$20M
▲ +0.6% YoY
Net Margin
4.63%
P/E
—
Balance Sheet
Total Assets
$4.05B
Equity
$314M
Total Debt
$3.01B
Cash & Equiv.
$7M
5Y CAGR: +9.7%
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