GURUFOCUS.COM » STOCK LIST » Financial Services » Credit Services » Consumer Automotive Finance Inc (OTCPK:CAFI) » Definitions » Operating Margin %

Consumer Automotive Finance (Consumer Automotive Finance) Operating Margin % : -572.83% (As of Jun. 2023)


View and export this data going back to 2004. Start your Free Trial

What is Consumer Automotive Finance Operating Margin %?

Operating Margin % is calculated as Operating Income divided by its Revenue. Consumer Automotive Finance's Operating Income for the six months ended in Jun. 2023 was $-0.53 Mil. Consumer Automotive Finance's Revenue for the six months ended in Jun. 2023 was $0.09 Mil. Therefore, Consumer Automotive Finance's Operating Margin % for the quarter that ended in Jun. 2023 was -572.83%.

Warning Sign:

Consumer Automotive Finance Inc operating margin has been in a 5-year decline. The average rate of decline per year is -82.8%.

The historical rank and industry rank for Consumer Automotive Finance's Operating Margin % or its related term are showing as below:

CAFI' s Operating Margin % Range Over the Past 10 Years
Min: -572.83   Med: -34.02   Max: 3.88
Current: -572.83


CAFI's Operating Margin % is ranked worse than
97.66% of 384 companies
in the Credit Services industry
Industry Median: 17.675 vs CAFI: -572.83

Consumer Automotive Finance's 5-Year Average Operating Margin % Growth Rate was -82.80% per year.

Consumer Automotive Finance's Operating Income for the six months ended in Jun. 2023 was $-0.53 Mil. Its Operating Income for the trailing twelve months (TTM) ended in Jun. 2023 was $-0.53 Mil.

Warning Sign:

Consumer Automotive Finance Inc has never been profitable in the past 3 years. It lost money every year.


Consumer Automotive Finance Operating Margin % Historical Data

The historical data trend for Consumer Automotive Finance's Operating Margin % can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

Consumer Automotive Finance Operating Margin % Chart

Consumer Automotive Finance Annual Data
Trend Dec03 Dec04 Jun06 Jun07 Jun08 Jun09 Jun10 Jun22 Jun23
Operating Margin %
Get a 7-Day Free Trial Premium Member Only -38.16 -24.82 -16.70 -361.11 -572.83

Consumer Automotive Finance Semi-Annual Data
Dec03 Dec04 Jun06 Jun07 Jun08 Jun09 Jun10 Jun21 Jun22 Jun23
Operating Margin % Get a 7-Day Free Trial Premium Member Only Premium Member Only -24.82 -16.70 - -361.11 -572.83

Competitive Comparison of Consumer Automotive Finance's Operating Margin %

For the Credit Services subindustry, Consumer Automotive Finance's Operating Margin %, along with its competitors' market caps and Operating Margin % data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Consumer Automotive Finance's Operating Margin % Distribution in the Credit Services Industry

For the Credit Services industry and Financial Services sector, Consumer Automotive Finance's Operating Margin % distribution charts can be found below:

* The bar in red indicates where Consumer Automotive Finance's Operating Margin % falls into.



Consumer Automotive Finance Operating Margin % Calculation

Operating Margin % - also known as operating income margin, operating profit margin and return on sales (ROS) - is the ratio of Operating Income divided by net sales or Revenue, usually presented in percent.

Consumer Automotive Finance's Operating Margin % for the fiscal year that ended in Jun. 2023 is calculated as

Operating Margin %=Operating Income (A: Jun. 2023 ) / Revenue (A: Jun. 2023 )
=-0.527 / 0.092
=-572.83 %

Consumer Automotive Finance's Operating Margin % for the quarter that ended in Jun. 2023 is calculated as

Operating Margin %=Operating Income (Q: Jun. 2023 ) / Revenue (Q: Jun. 2023 )
=-0.527 / 0.092
=-572.83 %

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.


Consumer Automotive Finance  (OTCPK:CAFI) Operating Margin % Explanation

Just like Gross Margin %, it is important to see a company maintains its operating margin over time. Among the same industry, a company with higher operating margin is more efficient in its operation. It is also more stable during industry slowdown or recessions. Peter Lynch prefers those with higher margins than those with lower margins.


Be Aware

Operating Margin % can be manipulated by adjusting the rate of depreciation, depletion and amortization (DDA).

If a company is facing competition, its Operating Margin % may decline. Often the Operating Margin % declines well before the company's Revenue or even profit decline. Therefore, Operating Margin % is a very important indicator of whether the company is facing problems.

For instance, by 2012, Nokia (NOK)'s problems were well known and its stock had lost more than 90% of its market value since 2007. But Nokia’s Operating Margin % had already been in decline since 2002, although its Earnings per Share (Diluted) were still rising. Investors who paid attention to Operating Margin % would have avoided this huge loss. The same can be said for Research-in-Motion (RIMM).

Therefore, Operating Margin % is a very important screening filter for GuruFocus. GuruFocus's Buffett-Munger screener requires that the profit margin is either consistent or expanding. The Model Portfolio of the Buffett-Munger screener has outperformed the market every year since inception in 2009.


Consumer Automotive Finance Operating Margin % Related Terms

Thank you for viewing the detailed overview of Consumer Automotive Finance's Operating Margin % provided by GuruFocus.com. Please click on the following links to see related term pages.


Consumer Automotive Finance (Consumer Automotive Finance) Business Description

Traded in Other Exchanges
N/A
Address
746 North Drive, STE A, Melbourne, FL, USA, 32934
Consumer Automotive Finance Inc is an indirect automotive financial services company that focuses on servicing the sub-prime market. It has developed a criteria-based system, which has been effective in evaluating deal structure as well as a consumer's ability to pay for an automobile loan. The company provides financing solutions for buying Cars and Trucks and also provides a wide range of credit profiles through dealers in Nevada and soon Arizona and Utah, as well as online through the Dealer Loan programs.
Executives
Scott Eugene Miller officer: CEO 2239 N. HAYDEN RD., SUITE 100, SCOTTSDALE AZ 85257
Jamie Kerr director, 10 percent owner, officer: President 2925 N. 67TH PLACE, SCOTTSDALE AZ 85251
John Shaffer director, officer: Treasurer 2925 N. 67TH PLACE, SCOTTSDALE AZ 85251

Consumer Automotive Finance (Consumer Automotive Finance) Headlines