Associates First Capital Corporation (ASFZ) Fair Value & Analysis
Financial Services · US · Market cap $72.9K
Associates First Capital Corporation
ASFZ · US
Fair value as of: Aug 16, 2026
From 5 valuation models · updated today
A solid business, currently priced close to our fair value.
What matters now
- The price sits close to our fair value, market and models broadly agree here, little valuation tension.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 16, 2026.
How to read this chart
60‑month range $0.0001 – $0.0030 · the $0.0001 price screens below the $0.0001 fair value. Dashed = 300-day average. As of Aug 16, 2026.
Analysis
Associates First Capital Corporation (ASFZ) currently trades at $0.0001, while our model-based Fair Value estimate is $0.0001, implying the stock looks roughly 0.0% fairly valued today. The Quality Score stands at 55/100 (solid quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: medium), always confirm before acting.
Over the trailing twelve months, Associates First Capital Corporation generated revenue of $1.9B at a net margin of 11.5%. Revenue declined 31.8% year over year. The stock trades on a trailing P/E of 0.0. Fundamentals as of Aug 16, 2026
The share trades near its 52-week high, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at -45% fair-value upside, at 0%, ASFZ screens cheaper than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 5 models by family
Widest divergence: Multiples ($7.41) versus Earnings-Based ($4.73). Highest evidence: Residual Income (76).
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Key figures & financial health
Figures from reported company fundamentals · as of Aug 16, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 49 · Market factors (momentum, volatility) 41
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
Associates First Capital Corporation, a financial services organization, provides finance, leasing, insurance, and related services to individual consumers and businesses in the United States and internationally. The company was founded in 1918 and is based in Irving, Texas.
Full company description
Associates First Capital Corporation, a financial services organization, provides finance, leasing, insurance, and related services to individual consumers and businesses in the United States and internationally. The company was founded in 1918 and is based in Irving, Texas. Associates First Capital Corporation operates as a subsidiary of Citicorp Banking Corporation.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY1999 – FY2011 · reported fiscal years
Associates First Capital Corporation reported revenue of $2.6B in FY2011 versus $12.1B in FY1999, a compound −12.2%/yr. Reported net income was $415M in FY2011, compounding −10.1%/yr from FY1999.
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Peer Group
Credit Services · 333 stocks
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.
Valuation Multiples vs Credit Services median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Credit Services stocks, each showing price versus our Fair Value estimate (as of Aug 16, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Visa Inc V | $359.42 | $198.27 | -45% |
| Mastercard Incorporated MA | $561.44 | $221.87 | -60% |
| Bajaj Finance Limited BAJFINANCE | ₹1,094 | ₹397.61 | -64% |
| Shriram Finance Limited SHRIRAMFIN | ₹1,117 | ₹553.83 | -50% |
| Cholamandalam Investment and Finance Company CHOLAFIN | ₹1,918 | ₹796.52 | -58% |
| Tata Capital Limited TATACAP | ₹367.05 | ₹149.40 | -59% |
| Power Finance Corporation PFC | ₹376.50 | ₹615.85 | +64% |
| Muthoot Finance Limited MUTHOOTFIN | ₹2,876 | ₹3,429 | +19% |
| Indian Railway Finance Corporation IRFC | ₹88.35 | ₹69.72 | -21% |
| REC Limited RECLTD | ₹346.00 | ₹692.00 | +100% |
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Frequently asked questions
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
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