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CALIFORNIA FIRST LEASING CORP

CFNB

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9 Visible periods

33 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Good

Bullish

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Analytical Summary

CALIFORNIA FIRST LEASING CORP shows strong fundamentals with top-quartile Profit Margin (%) and Debt to Equity. The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap —

Dividend Yield —

Revenue Growth 11.7% ↗

Op. Margin —

ROIC None

FCF / Share None

Trailing P/E —

Price / Book —

FCF Yield —

Debt / Equity 0.00

info Valuation on last close.

9-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$29.46M

↑ +11.7% —

Net Income Profit after all expenses

$11.12M

↑ +28.6% —

Long-Term Debt Long-term obligations

$0.00

— —

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Bullish Indicators

Debt to EquityDebt to Equity is in the top quartile (lower is better)
Profit Margin (%)Profit Margin (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↑

Returns ↑

Financial Health

Dividend History

Dividend / share · sourced from SEC filings

$0.46 Latest / share

+4.5% YoY

-3.7% 8-yr CAGR

FY 2009

$0.60

FY 2010

$1.00

FY 2011

$1.10

FY 2012

$2.20

FY 2013

$0.40

FY 2014

$0.42

FY 2015

$0.44

FY 2016

$0.46

FY 2017

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2017 Jun 30, 2017 10-K ↗	FY 2016 Jun 30, 2016 10-K ↗	FY 2015 Jun 30, 2015 10-K ↗	FY 2014 Jun 30, 2014 10-K ↗	FY 2013 Jun 30, 2013 10-K ↗	FY 2012 Jun 30, 2012 10-K ↗	FY 2011 Jun 30, 2011 10-K ↗	FY 2010 Jun 30, 2010 10-K ↗	FY 2009 Jun 30, 2009 10-K ↗
Revenue Growth YoY (%)	11.7% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+95%)	-5.0% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-184%)	24.7% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+312%)	-5.5% Weak ↑ Weak Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-192%)	-11.3% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-289%)	-11.5% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-292%)	0.1% Caution Caution Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-98%)	—	—
EPS Growth YoY (%)	30.1% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-4.6% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	29.9% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-4.3% Weak ↑ Weak Improving Year-over-year change in earnings per share Optimal: > 10%	-17.6% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-19.8% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	-2.8% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	28.6% Excellent ↑ Excellent Improving Year-over-year change in net income	-4.5% Weak ↓ Weak Declining Year-over-year change in net income	28.4% Excellent ↑ Excellent Improving Year-over-year change in net income	-4.1% Weak ↑ Weak Improving Year-over-year change in net income	-17.4% Weak ↓ Weak Declining Year-over-year change in net income	-18.4% Weak Weak Year-over-year change in net income	-2.0% Weak Weak Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	9.8% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	3.8% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	1.5% Weak ↑ Weak Improving Compound annual revenue growth over 3 years	-9.5% Weak Weak Compound annual revenue growth over 3 years	-7.7% Weak Weak Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	2.1% Caution ↑ Caution Improving Compound annual revenue growth over 5 years	-2.6% Weak Weak Compound annual revenue growth over 5 years	-1.5% Weak Weak Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	17.3% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	5.8% Fair ↑ Fair Improving Compound annual EPS growth over 3 years	0.8% Caution ↑ Caution Improving Compound annual EPS growth over 3 years	-14.2% Weak Weak Compound annual EPS growth over 3 years	-13.7% Weak Weak Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 3 metrics

Metric	FY 2017 Jun 30, 2017 10-K ↗	FY 2016 Jun 30, 2016 10-K ↗	FY 2015 Jun 30, 2015 10-K ↗	FY 2014 Jun 30, 2014 10-K ↗	FY 2013 Jun 30, 2013 10-K ↗	FY 2012 Jun 30, 2012 10-K ↗	FY 2011 Jun 30, 2011 10-K ↗	FY 2010 Jun 30, 2010 10-K ↗	FY 2009 Jun 30, 2009 10-K ↗
Profit Margin (%) (%)	37.8% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+72%)	32.8% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+49%)	32.6% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+48%)	31.7% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+44%)	31.2% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+42%)	33.5% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+52%)	36.3% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+65%)	37.1% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+69%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2017 Jun 30, 2017 10-K ↗	FY 2016 Jun 30, 2016 10-K ↗	FY 2015 Jun 30, 2015 10-K ↗	FY 2014 Jun 30, 2014 10-K ↗	FY 2013 Jun 30, 2013 10-K ↗	FY 2012 Jun 30, 2012 10-K ↗	FY 2011 Jun 30, 2011 10-K ↗	FY 2010 Jun 30, 2010 10-K ↗	FY 2009 Jun 30, 2009 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	1.6% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.0% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.2% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.2% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.3% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.8% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	2.1% Weak Weak Operating profit relative to total assets Optimal: > 10%	2.5% Weak Weak Operating profit relative to total assets Optimal: > 10%	—
Return on Common Equity (%) (%)	5.7% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-53%)	4.5% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-62%)	4.8% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-60%)	3.8% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-68%)	4.1% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-66%)	4.5% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-62%)	5.5% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-54%)	5.6% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-53%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2017 Jun 30, 2017 10-K ↗	FY 2016 Jun 30, 2016 10-K ↗	FY 2015 Jun 30, 2015 10-K ↗	FY 2014 Jun 30, 2014 10-K ↗	FY 2013 Jun 30, 2013 10-K ↗	FY 2012 Jun 30, 2012 10-K ↗	FY 2011 Jun 30, 2011 10-K ↗	FY 2010 Jun 30, 2010 10-K ↗	FY 2009 Jun 30, 2009 10-K ↗
Debt to Equity (x)	0.00x Excellent → Excellent Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-100%)	0.00x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-100%)	0.00x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-100%)	—	—	—	0.05x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-96%)	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2017 Jun 30, 2017 10-K ↗	FY 2016 Jun 30, 2016 10-K ↗	FY 2015 Jun 30, 2015 10-K ↗	FY 2014 Jun 30, 2014 10-K ↗	FY 2013 Jun 30, 2013 10-K ↗	FY 2012 Jun 30, 2012 10-K ↗	FY 2011 Jun 30, 2011 10-K ↗	FY 2010 Jun 30, 2010 10-K ↗	FY 2009 Jun 30, 2009 10-K ↗
Revenue per Share (USD)	$2.87	$2.54	$2.65	$2.13	$2.26	$2.55	$2.92	$2.94	—
Basic EPS, GAAP (USD)	$1.08	$0.83	$0.87	$0.67	$0.70	$0.85	$1.06	$1.09	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$0.46	$0.44	$0.42	$0.40	$2.20	$1.10	$1.00	$0.60	—
Book Value per Share (USD)	$19.07	$18.58	$17.99	$17.57	$17.31	$18.83	$19.16	$19.47	—
Tangible Book Value per Share (USD)	$19.07	$18.58	$17.99	$17.57	$17.31	$18.83	$19.16	$19.47	—
Basic Weighted Avg Shares (shares)	10.28M	10.40M	10.46M	10.45M	10.45M	10.42M	10.30M	10.20M	—
Dividend Payout Ratio (%)	42.6% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	53.0% Fair ↓ Fair Declining Dividends paid as a percentage of earnings Optimal: 30-60%	48.3% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	59.7% Fair ↓ Fair Declining Dividends paid as a percentage of earnings Optimal: 30-60%	314.3% Weak ↑ Weak Improving Dividends paid as a percentage of earnings Optimal: 30-60%	129.4% Weak ↑ Weak Improving Dividends paid as a percentage of earnings Optimal: 30-60%	94.3% Weak Weak Dividends paid as a percentage of earnings Optimal: 30-60%	55.0% Fair Fair Dividends paid as a percentage of earnings Optimal: 30-60%	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2017 Jun 30, 2017 10-K ↗	FY 2016 Jun 30, 2016 10-K ↗	FY 2015 Jun 30, 2015 10-K ↗	FY 2014 Jun 30, 2014 10-K ↗	FY 2013 Jun 30, 2013 10-K ↗	FY 2012 Jun 30, 2012 10-K ↗	FY 2011 Jun 30, 2011 10-K ↗	FY 2010 Jun 30, 2010 10-K ↗	FY 2009 Jun 30, 2009 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	$0.00	$0.00	$0.00	—	—	—	—	—	—
Total Equity (USD)	$196.13M	$191.02M	$188.22M	$183.75M	$180.88M	$196.44M	$199.62M	$198.55M	$191.38M

📋 What is driving earnings? 3 metrics

Metric	FY 2017 Jun 30, 2017 10-K ↗	FY 2016 Jun 30, 2016 10-K ↗	FY 2015 Jun 30, 2015 10-K ↗	FY 2014 Jun 30, 2014 10-K ↗	FY 2013 Jun 30, 2013 10-K ↗	FY 2012 Jun 30, 2012 10-K ↗	FY 2011 Jun 30, 2011 10-K ↗	FY 2010 Jun 30, 2010 10-K ↗	FY 2009 Jun 30, 2009 10-K ↗
Sales/Revenue/Turnover (USD)	$29.46M	$26.38M	$27.77M	$22.27M	$23.57M	$26.58M	$30.05M	$30.01M	—
Net Income, GAAP (USD)	$11.12M	$8.65M	$9.05M	$7.05M	$7.35M	$8.90M	$10.91M	$11.13M	—
Operating Cash Flow (USD)	$44.33M	$9.69M	$5.17M	$6.47M	$-2.70M	$9.94M	$15.64M	$7.01M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2017 Jun 30, 2017 10-K ↗	FY 2016 Jun 30, 2016 10-K ↗	FY 2015 Jun 30, 2015 10-K ↗	FY 2014 Jun 30, 2014 10-K ↗	FY 2013 Jun 30, 2013 10-K ↗	FY 2012 Jun 30, 2012 10-K ↗	FY 2011 Jun 30, 2011 10-K ↗	FY 2010 Jun 30, 2010 10-K ↗	FY 2009 Jun 30, 2009 10-K ↗
Net Interest Margin (approx.) (%)	3.1%	2.4%	2.6%	2.9%	3.4%	4.3%	4.2%	4.8%	—
Efficiency Ratio (%) (%)	35.6%	41.1%	42.4%	49.4%	49.3%	46.3%	40.2%	38.8%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 9 years · 30 quarters

CALIFORNIA FIRST LEASING CORP

Analytical Summary

9-Year Financial Trajectory

Bullish Indicators

Bearish Risks

Health Breakdown

Dividend History

Statement lens

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Signals

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