Financial Comparison: Asbury Automotive Group (ABG) & Fincera (YUANF)

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Fincera (OTCMKTS:YUANF) and Asbury Automotive Group (NYSE:ABG) are both small-cap finance companies, but which is the better investment? We will contrast the two businesses based on the strength of their profitability, valuation, analyst recommendations, dividends, risk, institutional ownership and earnings.

Profitability

This table compares Fincera and Asbury Automotive Group’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Fincera 26.44% 176.83% 5.59%
Asbury Automotive Group 2.44% 37.81% 6.87%

Analyst Ratings

This is a breakdown of current recommendations and price targets for Fincera and Asbury Automotive Group, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Fincera 0 0 0 0 N/A
Asbury Automotive Group 1 2 0 0 1.67

Asbury Automotive Group has a consensus target price of $75.00, indicating a potential upside of 8.66%. Given Asbury Automotive Group’s higher possible upside, analysts plainly believe Asbury Automotive Group is more favorable than Fincera.

Volatility and Risk

Fincera has a beta of -0.2, indicating that its stock price is 120% less volatile than the S&P 500. Comparatively, Asbury Automotive Group has a beta of 1.19, indicating that its stock price is 19% more volatile than the S&P 500.

Earnings & Valuation

This table compares Fincera and Asbury Automotive Group’s top-line revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Fincera $156.69 million 4.84 -$1.28 million N/A N/A
Asbury Automotive Group $6.87 billion 0.20 $139.10 million $8.41 8.21

Asbury Automotive Group has higher revenue and earnings than Fincera.

Summary

Asbury Automotive Group beats Fincera on 5 of the 8 factors compared between the two stocks.

About Fincera

Fincera Inc. focuses on providing online lending and e-commerce services for small and medium-sized businesses (SMBs) and individuals in China. The company operates in two segments, Internet-Based Financial and E-Commerce Services, and Property Lease and Management. The company's financial services platforms include CeraPay, a revolving credit product that processes and settles transactions between its borrowers and merchants; and CeraVest, a peer-to-peer lending platform that provides short-term financing primarily to SMBs. Its e-commerce products comprise TruShip, an online e-commerce platform for trucking industry merchants; AutoChekk, an e-commerce platform for the passenger vehicle industry; and PingPing, an e-commerce platform for small businesses to establish an online presence. The company also owns and leases office space; and operates and manages Shijiazhuang Hilton hotel in the Kaiyuan Finance Center building. The company was formerly known as AutoChina International Limited and changed its name to Fincera Inc. in July 2015. Fincera Inc. was founded in 1994 and is headquartered in Shijiazhuang, the People's Republic of China. Fincera Inc. is a subsidiary of Honest Best International Ltd.

About Asbury Automotive Group

Asbury Automotive Group, Inc. operates as an automotive retailer in the United States. It offers a range of automotive products and services, including new and used vehicles; and vehicle repair and maintenance, replacement parts, and collision repair services. The company also provides finance and insurance products, including arranging vehicle financing through third parties; and aftermarket products, such as extended service contracts, guaranteed asset protection insurance, prepaid maintenance, and credit life and disability insurance. As of February 06, 2018 the company owned and operated 95 new vehicle franchises representing 29 brands of automobiles at 81 dealership locations, and 24 collision centers in the United States. Asbury Automotive Group, Inc. was founded in 1995 and is headquartered in Duluth, Georgia.

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