A Business at a Glance
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CALIFORNIA FIRST LEASING CORP operates in the National Commercial Banks industry, Financials sector. Full business description from SEC filing not yet available.
| Metric | TTM | FY2017 | FY2016 | FY2015 | FY2014 | FY2013 |
|---|---|---|---|---|---|---|
| Revenue | 37M | 37M | 33M | 32M | 25M | 26M |
| Net Income | 11M | 11M | 8.6M | 9.1M | 7.1M | 7.4M |
| EPS | $1.08 | $1.08 | $0.83 | $0.87 | $0.67 | $0.70 |
| Free Cash Flow | 44M | 44M | 9.7M | 5.2M | 6.5M | -2.7M |
| ROIC | 11.1% | 5.7% | 4.5% | 4.8% | 3.8% | 4.1% |
| Gross Margin | 39.3% | 39.3% | 29.5% | 36.2% | 33.2% | 27.5% |
| Debt/Equity | 0.00 | 0.00 | 0.02 | 0.05 | 0.05 | 0.00 |
| Dividends/Share | $0.46 | $0.46 | $0.44 | $0.42 | $0.40 | $2.20 |
| Operating Income | 19M | 19M | 14M | 15M | 11M | - |
| Operating Margin | 51.0% | 51.0% | 43.2% | 46.7% | 43.8% | - |
| ROE | 5.7% | 5.7% | 4.5% | 4.8% | 3.8% | 4.1% |
| Shares Outstanding | 10M | 10M | 10M | 10M | 11M | 11M |
| Metric | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | |||
|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||
| Revenue | 35M | 34M | 29M | 26M | 25M | 32M | 33M | 37M | 37M |
| Gross Margin | 98.3% | 86.8% | 26.3% | 27.5% | 33.2% | 36.2% | 29.5% | 39.3% | 39.3% |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | 8.2M | 8.6M | 9.0M | 8.5M | 7.8M | 8.6M | 7.3M | 7.5M | 7.5M |
| EBIT | N/A | N/A | N/A | N/A | 11M | 15M | 14M | 19M | 19M |
| Op. Margin | N/A | N/A | N/A | N/A | 43.8% | 46.7% | 43.2% | 51.0% | 51.0% |
| Net Income | 11M | 11M | 8.9M | 7.4M | 7.1M | 9.1M | 8.6M | 11M | 11M |
| Net Margin | 31.9% | 32.4% | 30.2% | 28.0% | 27.9% | 28.6% | 26.5% | 30.3% | 30.3% |
| Non-Recurring | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Returns on Capital | |||||||||
| ROIC | 5.7% | 5.5% | 4.5% | 4.1% | 3.8% | 4.8% | 4.5% | 5.7% | 11.1% |
| ROE | 5.7% | 5.5% | 4.5% | 4.1% | 3.8% | 4.8% | 4.5% | 5.7% | 5.7% |
| ROA | 2.5% | 2.2% | 1.8% | 1.3% | 1.2% | 1.2% | 1.0% | 1.4% | 1.6% |
| Cash Flow | |||||||||
| Op. Cash Flow | 7.0M | 16M | 9.9M | -2.7M | 6.5M | 5.2M | 9.7M | 44M | 44M |
| Free Cash Flow | 7.0M | 16M | 9.9M | -2.7M | 6.5M | 5.2M | 9.7M | 44M | 44M |
| Owner Earnings | 3.4M | 13M | 9.2M | -3.4M | 6.4M | 4.7M | 9.6M | 44M | 44M |
| CapEx | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Maint. CapEx | 2.0M | 2.3M | 757K | 679K | 76K | 496K | 129K | 177K | 177K |
| Growth CapEx | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |
| D&A | 2.0M | 2.3M | 757K | 679K | 76K | 496K | 129K | 177K | 177K |
| CapEx/OCF | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0.0% |
| Capital Allocation | |||||||||
| Dividends Paid | 6.1M | 10M | 11M | 23M | 4.2M | 4.4M | 4.6M | 4.7M | 4.7M |
| Dividend Yield | N/A | 11.9% | 10.8% | 18.8% | 3.3% | 3.8% | 4.1% | N/A | 1.8% |
| Share Buybacks | 305K | 0 | 305K | 0 | 0 | 0 | 2.4M | 2.4M | 2.4M |
| Buyback Yield | 0.0% | N/A | N/A | N/A | N/A | N/A | 2.0% | 0.0% | 0.9% |
| Stock-Based Comp | 1.6M | N/A | N/A | 5K | 4K | 4K | 5K | 5K | 5K |
| Debt Repayment | 35M | 10M | 10M | 0 | 6.9M | 35M | 2.0M | 0 | 0 |
| Balance Sheet | |||||||||
| Net Debt | -131M | -92M | -50M | -77M | -34M | -53M | -105M | -100M | -96M |
| Cash & Equiv. | 74M | 97M | 57M | 75M | 40M | 60M | 105M | 96M | 96M |
| Long-Term Debt | N/A | N/A | N/A | N/A | N/A | N/A | 0 | 0 | N/A |
| Debt/Equity | -0.18 | 0.04 | 0.05 | 0.00 | 0.05 | 0.05 | 0.02 | 0.00 | 0.00 |
| Interest Coverage | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0.9 |
| Equity | 199M | 200M | 196M | 181M | 184M | 188M | 191M | 196M | 196M |
| Total Assets | 454M | 524M | 486M | 559M | 580M | 731M | 888M | 716M | 716M |
| Total Liabilities | 255M | 325M | 290M | 378M | 396M | 543M | 697M | 519M | 519M |
| Intangibles | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Retained Earnings | N/A | 195M | 193M | 177M | 180M | 185M | 187M | 194M | 194M |
| Working Capital | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Per Share Data | |||||||||
| EPS | 1.08 | 1.05 | 0.85 | 0.70 | 0.67 | 0.87 | 0.83 | 1.08 | 1.08 |
| Owner EPS | 0.33 | 1.28 | 0.88 | -0.32 | 0.61 | 0.45 | 0.92 | 4.29 | 4.29 |
| Book Value | 19.27 | 19.22 | 18.75 | 17.22 | 17.46 | 18.08 | 18.33 | 19.04 | 19.04 |
| Cash Flow/Share | 0.68 | 1.51 | 0.95 | -0.26 | 0.61 | 0.50 | 0.93 | 4.30 | 1.10 |
| Dividends/Share | 0.60 | 1.00 | 1.10 | 2.20 | 0.40 | 0.42 | 0.44 | 0.46 | 0.46 |
| Shares Out. | 10.3M | 10.4M | 10.5M | 10.5M | 10.5M | 10.4M | 10.4M | 10.3M | 10.3M |
| Valuation | |||||||||
| P/E Ratio | N/A | 9.0 | 11.9 | 17.5 | 16.5 | 12.1 | 13.9 | N/A | 23.1 |
| P/FCF | N/A | 6.2 | 10.7 | N/A | 18.0 | 21.3 | 12.4 | N/A | 5.8 |
| EV/EBIT | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 8.6 |
| Price/Book | N/A | 0.5 | 0.5 | 0.7 | 0.6 | 0.6 | 0.6 | N/A | 1.3 |
| Price/Sales | N/A | 2.9 | 4.0 | 5.2 | 5.6 | 4.1 | 4.3 | N/A | 7.0 |
| FCF Yield | N/A | 16.0% | 9.4% | -2.1% | 5.6% | 4.7% | 8.0% | N/A | 17.2% |
| Market Cap | 0 | 98M | 106M | 129M | 116M | 110M | 120M | 0 | 257M |
| Avg. Price | 0.00 | 8.31 | 10.11 | 11.64 | 11.88 | 11.01 | 10.88 | 0.00 | 25.00 |
| Year-End Price | 0.00 | 9.40 | 10.13 | 12.26 | 11.05 | 10.57 | 11.56 | 0.00 | 25.00 |
CALIFORNIA FIRST LEASING CORP passes 2 of 9 quality checks, indicating weak fundamentals.
CALIFORNIA FIRST LEASING CORP trades at 30.1x trailing earnings, compared to its 15-year median P/E of 13.0x, suggesting it is currently Expensive relative to its historical range. On a free-cash-flow basis, the stock trades at 26.9x vs a median of 12.4x. The company's 5-year average ROIC is 4.6% with a gross margin of 33.1%. Total shareholder yield (dividends + buybacks) is 2.8%.
CALIFORNIA FIRST LEASING CORP (CFNB) has a current P/E ratio of 30.1, compared to its historical median P/E of 13.0. The stock is currently considered Expensive based on its historical valuation range.
CALIFORNIA FIRST LEASING CORP (CFNB) has a 5-year average return on invested capital (ROIC) of 4.6%. This is below average and may indicate limited pricing power.
CALIFORNIA FIRST LEASING CORP (CFNB) has a market capitalization of $257M. It is classified as a small-cap stock.
Yes, CALIFORNIA FIRST LEASING CORP (CFNB) pays a dividend with a trailing twelve-month yield of 1.84%. The company also returns capital through share buybacks, with a buyback yield of 0.92%.
Based on historical P/E analysis, CALIFORNIA FIRST LEASING CORP (CFNB) appears expensive. The current P/E of 30.1 is 131% above its historical median of 13.0. The estimated fair value CAGR (P/E method) is 0.0%.
CALIFORNIA FIRST LEASING CORP (CFNB) operates in the National Commercial Banks industry, within the Financials sector.
CALIFORNIA FIRST LEASING CORP (CFNB) reported annual revenue of $37 million in its most recent fiscal year, based on SEC EDGAR filings.
CALIFORNIA FIRST LEASING CORP (CFNB) has a net profit margin of 30.3%. This is a strong margin indicating high profitability.
CALIFORNIA FIRST LEASING CORP (CFNB) generated $44 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
CALIFORNIA FIRST LEASING CORP (CFNB) has a debt-to-equity ratio of 0.00. This indicates a conservatively financed balance sheet.
CALIFORNIA FIRST LEASING CORP (CFNB) reported earnings per share (EPS) of $1.08 in its most recent fiscal year.
CALIFORNIA FIRST LEASING CORP (CFNB) has a return on equity (ROE) of 5.7%. This indicates moderate shareholder returns.
CALIFORNIA FIRST LEASING CORP (CFNB) has a 5-year average gross margin of 33.1%. This indicates decent pricing power.
The Ledger Terminal provides 8 years of financial data for CALIFORNIA FIRST LEASING CORP (CFNB), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
CALIFORNIA FIRST LEASING CORP (CFNB) has a book value per share of $19.04, based on its most recent annual SEC filing.
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