Automotive Finco Corp (AFCC-H) fair value: what the stock is really worth
As of Sep 25, 2026: fair value of Automotive Finco Corp C$2.22, price C$1.11, upside +100.0%, quality 74 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 27, 2026.
How to read this chart
60‑month range C$0.3339 – C$1.56 · fair‑value band C$0.4440 – C$3.05 · the C$1.11 price screens below the C$2.22 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 27, 2026.
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Automotive Finco Corp., a specialty finance company, focuses on the auto retail sector in Canada and internationally. The company provides long term, and debt-based acquisition financing to auto dealerships. It focuses on direct investments and financing in the auto retail sector. The company was formerly known as Augyva Mining Resources Inc.
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Automotive Finco Corp., a specialty finance company, focuses on the auto retail sector in Canada and internationally. The company provides long term, and debt-based acquisition financing to auto dealerships. It focuses on direct investments and financing in the auto retail sector. The company was formerly known as Augyva Mining Resources Inc. and changed its name to Automotive Finco Corp. in March 2017. Automotive Finco Corp. was incorporated in 1986 and is headquartered in Toronto, Canada.
Stock analysis
Automotive Finco Corp (AFCC-H) currently trades at C$1.11, while our model-based Fair Value estimate is C$2.22, implying the stock looks roughly 50.0% undervalued today.
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Valuation
Bull case: the Growth DCF group reads highest at a median of C$11.86 per share, and 8 of the 11 models we run sit above the C$1.11 price.
Bear case: the Asset-Based group reads lowest at C$0.8400, and 3 of the 11 models stay below the price. Evidence for this calculation is low.
Scenario range: C$0.4440 (bear) to C$3.05 (bull), the price of C$1.11 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 74/100 (solid quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Automotive Finco Corp reported revenue of C$2.7M in FY2025 versus C$0 in FY2021. Reported net income was C$1.7M in FY2025.
Key figures
Market cap C$22.0M (≈ $15.6M) · P/E ratio 111.0 · P/S ratio 67.6 · EPS (TTM) C$0.0100 · Dividend yield 13.8% · Net margin 60.9% · Return on equity 0.6% · Return on assets (EBIT) 3.1%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 42 out of 100 (low confidence).
What moves the price
The share trades about 20% below its 52-week high and 31% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at 10% fair-value upside, at 100%, AFCC-H screens cheaper than that median.
Fair Value models
Bear C$0.4440Fair Value C$2.22Bull C$3.05
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.75/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
−8.4%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+107.8%
Revenue growth 8 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−9.8%
’17
’18
’19
’22
’23
’24
’25
What shareholders gained per year (last 3 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 3 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+10.8%
Earnings growth per share plus dividend.
Earnings per share, growth per year−3.0%
Dividend (yield on the price)13.8%
Profit margin 2019 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.84% → 66%
⚠ Revenue per share shrinking 7.4%/yr over ~5Y (margins eroding too) ⓘStructural-decline marker: revenue PER SHARE has fallen over the last decade (robust median trend, not a single year). Backtested across 2005 to 2017, such businesses trailed the market by about 2.5 percentage points per year. Display only: it does not change the fair value or the quality score.
Growth Forecast
Little optimism in the price
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
less than -40 %
Yearly growth needed for the next five years to justify today's price.
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Credit Services · 327 stocks
Beats the industry median on 5/12 measures
A mixed picture versus its industry peers.
Valuation
Quality Score73 · Top 25%
Fair Value upside+100.0% · Top 25%
Profitability
Return on equity (TTM)0.6% · Bottom 25%
Return on assets1.7% · Below median
Net margin (TTM)12.5% · Below median
Operating margin (TTM)58.0% · Top 25%
Growth and dividend
Revenue growth3.8% · Below median
Dividend yield (TTM)13.8% · Top 25%
Valuation Multiplesvs Credit Services median · lower = cheaper
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Is Automotive Finco Corp (AFCC-H) overvalued or undervalued?
As of Sep 27, 2026, our model estimates a fair value of C$2.22 versus a price of C$1.11, about +100% upside (undervalued).
What is the fair value of AFCC-H?
Our model-based fair value for Automotive Finco Corp is C$2.22 (as of Sep 27, 2026), built from audited fundamentals. The current price: C$1.11.
What is the quality score of AFCC-H?
Automotive Finco Corp has a Quality Score of 74/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Automotive Finco Corp (AFCC-H)?
Our model-based price target is the fair value of C$2.22 (as of Sep 27, 2026) from 11 valuation models. Cautious scenario C$0.4440, optimistic scenario C$3.05. It is a calculation from audited fundamentals, not an analyst target.
What is the Automotive Finco Corp stock forecast for 2026?
Our models put fair value at C$2.22, about +100% upside versus a price of C$1.11 (undervalued). Cautious scenario C$0.4440, optimistic scenario C$3.05. The calculation is refreshed regularly with new filings.
What is the revenue of Automotive Finco Corp (AFCC-H)?
Automotive Finco Corp reported trailing-twelve-month revenue of about C$1.2M (latest available figure, as of Sep 27, 2026).
Does Automotive Finco Corp pay a dividend?
Automotive Finco Corp currently shows a dividend yield of about 13.78% relative to its recent price (as of Sep 27, 2026).
What growth is priced into Automotive Finco Corp (AFCC-H)?
For today's price to be fair in a discounted-cash-flow model, Automotive Finco Corp would have to grow free cash flow by less than minus 40 % per year for five years (discount rate 8.8 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 6 years revenue grew -8.6 % per year. As of Sep 27, 2026.
What discount rate (WACC) does the fair value of AFCC-H use?
Our models discount Automotive Finco Corp at 8.8 %: a base by market capitalisation (nano), damped by beta 0.69, country premium for Canada. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Automotive Finco Corp that is less than minus 40 % per year a year over ten years, using the same discount rate (8.8 %) and the same formula as our fair value.
How much growth has Automotive Finco Corp (AFCC-H) delivered so far?
Over the past 6 years revenue at Automotive Finco Corp grew -8.6 % a year. The price currently implies less than minus 40 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Automotive Finco Corp (AFCC-H) growing?
The median revenue growth in the sector is +9.1 % a year. That is the yardstick for the growth priced into Automotive Finco Corp (less than minus 40 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Automotive Finco Corp (AFCC-H)?
The free-cash-flow yield on the price is 31.74 %: that much free cash flow Automotive Finco Corp produces per unit of market value. When it exceeds the discount rate of our models (8.8 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Automotive Finco Corp (AFCC-H)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Automotive Finco Corp it is C$2.22 per share (as of Sep 27, 2026), against a price of C$1.11. It is the blended result of 11 valuation models (cash flow, earnings, asset, dividend).
Is Automotive Finco Corp stock overvalued or undervalued in 2026?
As of Sep 27, 2026, AFCC-H trades below its calculated fair value: price C$1.11, fair value C$2.22, a gap of about +100% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of AFCC-H?
No. The price is what the market pays today (C$1.11); the fair value is what the company's own numbers justify (C$2.22). For Automotive Finco Corp the two are C$1.11 per share apart. That gap is exactly why we show both numbers side by side.
How much is Automotive Finco Corp worth?
The market values Automotive Finco Corp at about C$22.0M (market capitalisation, as of Sep 27, 2026). Per share that is C$1.11; our models calculate a fair value of C$2.22 per share.
What do the bullish and bearish scenarios say about AFCC-H?
Our models span a range for Automotive Finco Corp: cautious scenario C$0.4440, base C$2.22, optimistic C$3.05 per share (as of Sep 27, 2026, price C$1.11). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of AFCC-H?
Automotive Finco Corp trades at a price-to-earnings ratio of 111.0 (as of Sep 27, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of C$2.22 is built from several models across several years. Other multiples: P/B 0.6, P/S 13.1.
How solid is the balance sheet of Automotive Finco Corp (AFCC-H)?
Balance-sheet figures for Automotive Finco Corp (as of Sep 27, 2026): return on equity 0.6%. They feed the Quality Score of 74/100, which measures business quality independently of the share price.
How far is AFCC-H from its 52-week high?
Automotive Finco Corp trades at C$1.11, about 20% below its 52-week high of C$1.38 and 31% above the low of C$0.8476 (as of Sep 25, 2026). Distance from the high says nothing about value: that is what the fair value of C$2.22 is for.
Which stocks are comparable to Automotive Finco Corp?
From the same area (Financial Services) we also value Visa Inc, Mastercard Incorporated, American Express Company, Capital One Financial Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Automotive Finco Corp stock attractive at the current price?
The data as of Sep 27, 2026: price C$1.11, calculated fair value C$2.22 (+100%), Quality Score 74/100, from 11 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of AFCC-H calculated?
We run Automotive Finco Corp through 11 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of C$2.22, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.9 % above its aggregate fair value. Automotive Finco Corp currently trades 100 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Automotive Finco Corp (AFCC-H)?
The closing price on Sep 25, 2026 was C$1.11. Our model-based fair value is C$2.22, about +100% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Automotive Finco Corp right now?
The rarer combination: high quality (74/100) AND below fair value. That earns a closer look rather than a quick verdict. The model range is unusually wide (C$0.4440 to C$3.05). The outcome hinges heavily on assumptions, so read the point estimate with caution. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of Automotive Finco Corp
How large is the market capitalisation of Automotive Finco Corp (AFCC-H)?
The market capitalisation of Automotive Finco Corp is C$22.0M (≈ $15.6M). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Automotive Finco Corp (AFCC-H)?
The price-to-sales ratio of Automotive Finco Corp is 67.6 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Automotive Finco Corp (AFCC-H)?
Earnings per share at Automotive Finco Corp are C$0.0100 (price ÷ EPS = P/E 111.0). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Automotive Finco Corp (AFCC-H)?
The dividend yield of Automotive Finco Corp is 13.8%. Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Automotive Finco Corp (AFCC-H)?
The net margin of Automotive Finco Corp is 60.9% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Automotive Finco Corp (AFCC-H)?
The return on equity (ROE) of Automotive Finco Corp is 0.6% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Automotive Finco Corp (AFCC-H)?
On an EBIT basis the return on assets of Automotive Finco Corp is 3.1% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Automotive Finco Corp (AFCC-H)?
The operating margin of Automotive Finco Corp is 58.0% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Automotive Finco Corp (AFCC-H)?
Revenue at Automotive Finco Corp is growing +3.8% versus a year earlier (3y avg +108%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
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