What is CALIFORNIA FIRST LEASING's earnings per share (EPS)?

CALIFORNIA FIRST LEASING (CFNB) reported diluted earnings per share of $1.08 for fiscal year 2017. This represents a 30.1% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

CALIFORNIA FIRST LEASING (CFNB) Financials

CFNB

FY2017 annual

Revenue $29.5M +11.7% YoY

Net Income $11.1M +28.6% YoY

EPS (Diluted) $1.08 +30.1% YoY

Operating Cash Flow $44.3M +357.7% YoY

Source SEC Filings (10-K/10-Q) Latest period FY2017, ended Jun 30, 2017 Reported Sep 27, 2017 Currency USD FYE June

Newest figures come from the 10-K for FY2017, filed Sep 27, 2017. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the CFNB SEC filings page.

CALIFORNIA FIRST LEASING (CFNB) reported $29.5M in revenue for fiscal year 2017, up 11.7% from the prior fiscal year. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 8 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI CFNB FY2017 2026-09-05

Asset-backed balance-sheet activity converts cash more forcefully than reported earnings alone.

In FY2017, operating cash flow of $44.3M was nearly four times net income of $11.1M, showing that cash generation depended on more than accounting profit. The accompanying $115.8M investing inflow and -$169.2M financing flow indicate that asset-side cash releases and funding movements shaped the year's liquidity.

Balance-sheet efficiency improved as assets fell from $888.2M in FY2016 to $715.6M in FY2017. Revenue reached $29.5M while ROA rose to 1.6%, indicating more earnings per asset dollar despite the smaller asset base.

Financial leverage contracted: liabilities declined from $697.2M in FY2016 to $519.5M in FY2017. Equity nevertheless increased from $191.0M to $196.1M, indicating that the balance-sheet contraction did not erode reported book capital.

Financial Health Signals

Financial health score not available

CALIFORNIA FIRST LEASING does not currently provide enough eligible data for a peer-relative financial health score, so none is published. The signals and metrics below are current.

Piotroski F-Score Partial

5/7

CALIFORNIA FIRST LEASING passes 5 of 7 computable financial strength tests (2 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.

Earnings Quality Cash-Backed

3.99x

For every $1 of reported earnings, CALIFORNIA FIRST LEASING generates $3.99 in operating cash flow ($44.3M OCF vs $11.1M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

Export CSV

Earnings & Revenue

Revenue

$6.3M

YoY-21.7%

QoQ-11.0%

5Y CAGR-0.7%

CALIFORNIA FIRST LEASING generated $6.3M in revenue in Q4 2017. This represents a decrease of 21.7% from the same quarter a year earlier. Against the prior quarter it is down 11.0%.

Net Income

$2.5M

YoY-34.4%

QoQ-1.9%

5Y CAGR+2.0%

CALIFORNIA FIRST LEASING reported $2.5M in net income in Q4 2017. This represents a decrease of 34.4% from the same quarter a year earlier. Against the prior quarter it is down 1.9%.

EPS (Diluted)

$0.24

YoY-35.1%

QoQ0.0%

5Y CAGR+2.7%

CALIFORNIA FIRST LEASING earned $0.24 per diluted share (EPS) in Q4 2017. This represents a decrease of 35.1% from the same quarter a year earlier. It is unchanged from the prior quarter.

EBITDA

Not reported for Q4 2017.

Cash & Balance Sheet

Cash & Debt

$96.1M

YoY-8.6%

QoQ-13.5%

5Y CAGR+11.0%

CALIFORNIA FIRST LEASING held $96.1M in cash against $0 in long-term debt as of Q4 2017.

Dividends Per Share

$0.00

CALIFORNIA FIRST LEASING paid $0.00 per share in dividends in Q4 2017.

Shares Outstanding

10M

YoY0.0%

QoQ0.0%

5Y CAGR-0.3%

CALIFORNIA FIRST LEASING had 10M shares outstanding in Q4 2017. That is unchanged from the same quarter a year earlier. It is unchanged from the prior quarter.

Free Cash Flow

Not reported for Q4 2017.

Margins & Returns

Net Margin

39.1%

YoY-7.6pp

QoQ+3.6pp

5Y change+4.9pp

CALIFORNIA FIRST LEASING's net profit margin was 39.1% in Q4 2017, showing the share of revenue converted to profit. This is down 7.6 percentage points from the same quarter a year earlier. Against the prior quarter it is up 3.6 percentage points.

Return on Equity

1.3%

YoY-0.7pp

QoQ0.0pp

5Y change+0.1pp

CALIFORNIA FIRST LEASING's ROE was 1.3% in Q4 2017, measuring profit generated per dollar of shareholder equity. This is down 0.7 percentage points from the same quarter a year earlier. It is unchanged from the prior quarter.

Gross Margin

Not reported for Q4 2017.

Operating Margin

Not reported for Q4 2017.

Capital Allocation

None of these metrics is reported for Q4 2017.

CFNB Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

CFNB quarterly income statement

Metric	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K	FY1010-K
Revenue	$29.5M+11.7%	$26.4M-5.0%	$27.8M+24.7%	$22.3M-5.5%	$23.6M-11.3%	$26.6M-11.5%	$30.0M+0.1%	$30.0M
SG&A Expenses	$7.5M+3.2%	$7.3M-15.5%	$8.6M+10.1%	$7.8M-8.3%	$8.5M-5.9%	$9.0M+5.1%	$8.6M+4.9%	$8.2M
Interest Expense	$242K+16.9%	$207K+233.9%	$62K+6100.0%	$1K-100.0%	$18.7M+16782.0%	$111K-47.1%	$210K-14.3%	$245K
Income Tax	$7.6M+40.2%	$5.4M-5.9%	$5.8M+43.2%	$4.0M-7.1%	$4.3M-19.4%	$5.4M-10.9%	$6.0M-12.5%	$6.9M
Net Income	$11.1M+28.6%	$8.6M-4.5%	$9.1M+28.4%	$7.1M-4.1%	$7.4M-17.4%	$8.9M-18.4%	$10.9M-2.0%	$11.1M
EPS (Basic)	$1.08+30.1%	$0.83-4.6%	$0.87+29.9%	$0.67-4.3%	$0.70-17.6%	$0.85-19.8%	$1.06-2.8%	$1.09
EPS (Diluted)	$1.08+30.1%	$0.83-4.6%	$0.87+29.9%	$0.67-4.3%	$0.70-17.6%	$0.85-19.0%	$1.05-2.8%	$1.08
Diluted Shares (Avg)	10M-1.2%	10M-0.6%	10M0.0%	10M0.0%	10M+0.2%	10M+0.3%	10M-99.9%	10.30B

Metric	Q4'1710-K	Q3'1710-Q	Q2'1710-Q	Q1'1710-Q	Q4'1610-K	Q3'1610-Q	Q2'1610-Q	Q1'1610-Q
Revenue	$6.3M-21.7%	$7.1M+23.8%	$10.0M+71.4%	$6.2M+6.3%	$8.0M+28.8%	$5.7M-0.4%	$5.8M-38.3%	$5.9M-15.7%
SG&A Expenses	N/A	$1.9M+0.3%	$1.8M-8.9%	$1.9M+8.4%	N/A	$1.9M-11.4%	$1.9M-20.0%	$1.7M-9.6%
Interest Expense	N/A	$60K-9.1%	$52K+18.2%	$43K+16.2%	N/A	$66K+200.0%	$44K+300.0%	$37K+640.0%
Income Tax	N/A	$1.9M+82.9%	$2.7M+175.5%	$1.3M+16.4%	N/A	$1.0M-2.6%	$993K-55.4%	$1.1M-28.7%
Net Income	$2.5M-34.4%	$2.5M+55.9%	$4.2M+168.9%	$2.0M+13.6%	$3.8M+176.1%	$1.6M-4.0%	$1.6M-56.2%	$1.7M-29.9%
EPS (Basic)	$0.24-35.1%	$0.24+60.0%	$0.41+173.3%	$0.19+18.8%	$0.37+184.6%	$0.15-6.3%	$0.15-55.9%	$0.16-33.3%
EPS (Diluted)	$0.24-35.1%	$0.24+60.0%	$0.41+173.3%	$0.19+18.8%	$0.37+184.6%	$0.15-6.3%	$0.15-55.9%	$0.16-33.3%
Diluted Shares (Avg)	N/A	10M-1.1%	10M-1.7%	10M-1.7%	N/A	10M-0.6%	10M+99900.0%	10M0.0%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.

CFNB Balance Sheet

CFNB quarterly balance sheet

Metric	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K	FY1010-K
Total Assets	$715.6M-19.4%	$888.2M+21.5%	$731.1M+26.1%	$579.5M+3.7%	$558.9M+15.0%	$486.2M-7.3%	$524.4M+15.6%	$453.6M
Cash & Equivalents	$96.1M-8.6%	$105.1M+74.5%	$60.2M+50.1%	$40.1M-46.8%	$75.5M+32.6%	$56.9M-41.5%	$97.3M+31.5%	$74.0M
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Accounts Receivable	$840K-37.0%	$1.3M+13.5%	$1.2M+72.6%	$680K-51.3%	$1.4M-12.6%	$1.6M-27.3%	$2.2M	N/A
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Total Liabilities	$519.5M-25.5%	$697.2M+28.4%	$542.9M+37.2%	$395.8M+4.7%	$378.0M+30.5%	$289.7M-10.8%	$324.8M+27.3%	$255.1M
Long-Term Debt	$0	$0	$0	N/A	N/A	N/A	N/A	N/A
Total Equity	$196.1M+2.7%	$191.0M+1.5%	$188.2M+2.4%	$183.7M+1.6%	$180.9M-7.9%	$196.4M-1.6%	$199.6M+0.5%	$198.5M
Retained Earnings	$193.7M+3.4%	$187.3M+1.5%	$184.5M+2.6%	$179.8M+1.6%	$177.0M-8.1%	$192.6M-1.3%	$195.2M	N/A

Metric	Q4'1710-K	Q3'1710-Q	Q2'1710-Q	Q1'1710-Q	Q4'1610-K	Q3'1610-Q	Q2'1610-Q	Q1'1610-Q
Total Assets	$715.6M-19.4%	$834.7M-3.0%	$880.3M+7.4%	$884.0M+16.3%	$888.2M+21.5%	$860.9M+25.6%	$819.4M+25.7%	$759.9M+23.0%
Cash & Equivalents	$96.1M-8.6%	$111.0M+39.7%	$91.1M+37.5%	$100.7M+40.0%	$105.1M+74.5%	$79.5M+24.4%	$66.2M+32.3%	$71.9M+53.5%
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Accounts Receivable	$840K-37.0%	$1.3M-20.7%	$1.5M+5.4%	$1.9M-7.2%	$1.3M+13.5%	$1.6M+35.7%	$1.4M-8.0%	$2.1M+78.6%
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Total Liabilities	$519.5M-25.5%	$641.1M-4.9%	$689.3M+8.9%	$691.3M+21.4%	$697.2M+28.4%	$674.0M+35.4%	$632.8M+35.5%	$569.5M+31.9%
Long-Term Debt	$0	N/A	N/A	N/A	$0	N/A	N/A	N/A
Total Equity	$196.1M+2.7%	$193.6M+3.6%	$191.0M+2.3%	$192.8M+1.3%	$191.0M+1.5%	$186.9M-0.2%	$186.6M+0.8%	$190.3M+2.3%
Retained Earnings	$193.7M+3.4%	$191.3M+4.2%	$188.8M+3.0%	$189.3M+1.6%	$187.3M+1.5%	$183.6M+0.2%	$183.2M+0.9%	$186.2M+2.2%

Not reported in any period shown, so not listed: Current Assets, Inventory, Goodwill, Current Liabilities, Non-Current Liabilities.

CFNB Cash Flow Statement

CFNB quarterly cash flow statement

Metric	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K	FY1010-K
Operating Cash Flow	$44.3M+357.7%	$9.7M+87.4%	$5.2M-20.1%	$6.5M+339.8%	-$2.7M-139.1%	$6.9M-56.0%	$15.6M+123.1%	$7.0M
Depreciation & Amortization	-$177K-37.2%	-$129K+74.0%	-$496K-752.6%	$76K+111.2%	-$679K+10.3%	-$757K+67.3%	-$2.3M-14.6%	-$2.0M
Stock-Based Compensation	$5K+6.7%	$5K+2.3%	$4K0.0%	$4K+7.3%	$4K	$0	N/A	N/A
Investing Cash Flow	$115.8M+198.9%	-$117.1M+11.2%	-$131.9M-142.3%	-$54.4M-11.8%	-$48.7M-975.5%	-$4.5M+91.4%	-$52.5M-177.8%	$67.5M
Financing Cash Flow	-$169.2M-211.1%	$152.3M+3.7%	$146.8M+1063.9%	$12.6M-82.0%	$69.9M+263.6%	-$42.7M-171.0%	$60.2M+208.0%	-$55.7M
Dividends Paid	$4.7M+2.7%	$4.6M+4.8%	$4.4M+5.1%	$4.2M-81.8%	$23.0M+100.5%	$11.5M+11.4%	$10.3M+68.3%	$6.1M
Share Buybacks	N/A	$2.4M	N/A	N/A	N/A	N/A	N/A	$305K

Metric	Q4'1710-K	Q3'1710-Q	Q2'1710-Q	Q1'1710-Q	Q4'1610-K	Q3'1610-Q	Q2'1610-Q	Q1'1610-Q
Operating Cash Flow	$39.9M+632.7%	$3.9M+44.8%	$360K+49.4%	$171K-86.9%	$5.4M+238.4%	$2.7M+283.8%	$241K+104.4%	$1.3M-84.2%
Depreciation & Amortization	$26K+128.0%	-$63K-280.0%	-$128K-1263.6%	-$12K+85.4%	-$93K+38.0%	$35K+116.7%	$11K+108.6%	-$82K-925.0%
Stock-Based Compensation	N/A	$1K0.0%	$1K0.0%	$1K0.0%	N/A	$1K0.0%	$1K+10.0%	$1K0.0%
Investing Cash Flow	$63.3M+3340.5%	$62.3M+320.1%	-$8.7M+87.9%	-$1.1M+92.5%	-$2.0M+96.3%	-$28.3M-20.6%	-$71.9M-116.6%	-$15.0M+33.3%
Financing Cash Flow	-$118.2M-633.6%	-$46.3M-219.2%	-$1.3M-102.0%	-$3.5M-113.7%	$22.1M-53.4%	$38.8M+6.1%	$66.0M+57.8%	$25.4M+21.1%
Dividends Paid	$1K	$0	N/A	N/A	$0	$0	N/A	N/A
Share Buybacks	N/A	N/A	N/A	N/A	$0	N/A	N/A	N/A

Not reported in any period shown, so not listed: Capital Expenditures, Free Cash Flow.

CFNB Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

CFNB quarterly financial ratios

Metric	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K	FY1010-K
Net Margin	37.8%+5.0pp	32.8%+0.2pp	32.6%+1.0pp	31.7%+0.5pp	31.2%-2.3pp	33.5%-2.8pp	36.3%-0.8pp	37.1%
Return on Equity	5.7%+1.1pp	4.5%-0.3pp	4.8%+1.0pp	3.8%-0.2pp	4.1%-0.5pp	4.5%-0.9pp	5.5%-0.1pp	5.6%
Return on Assets	1.6%+0.6pp	1.0%-0.3pp	1.2%0.0pp	1.2%-0.1pp	1.3%-0.5pp	1.8%-0.2pp	2.1%-0.4pp	2.5%
Debt-to-Equity	0.000.0x	0.000.0x	0.00-2.2x	2.15+0.1x	2.09+0.6x	1.47-0.2x	1.63+0.3x	1.28
Asset Turnover	0.040.0x	0.030.0x	0.040.0x	0.040.0x	0.040.0x	0.050.0x	0.060.0x	0.07

Metric	Q4'1710-K	Q3'1710-Q	Q2'1710-Q	Q1'1710-Q	Q4'1610-K	Q3'1610-Q	Q2'1610-Q	Q1'1610-Q
Net Margin	39.1%-7.6pp	35.5%+7.3pp	41.9%+15.2pp	31.5%+2.0pp	46.7%+24.9pp	28.2%-1.1pp	26.7%-10.9pp	29.4%-5.9pp
Return on Equity	1.3%-0.7pp	1.3%+0.4pp	2.2%+1.4pp	1.0%+0.1pp	2.0%+1.3pp	0.9%0.0pp	0.8%-1.1pp	0.9%-0.4pp
Return on Assets	0.3%-0.1pp	0.3%+0.1pp	0.5%+0.3pp	0.2%0.0pp	0.4%+0.2pp	0.2%0.0pp	0.2%-0.4pp	0.2%-0.2pp
Debt-to-Equity	0.000.0x	3.31-0.3x	3.61+0.2x	3.59+0.6x	0.000.0x	3.61+0.9x	3.39+0.9x	2.99+0.7x
Asset Turnover	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio, FCF Margin.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
CALIFORNIA FIRST LEASING CFNB	FY2017	$29.5M	$11.1M	37.8%	$6.1M	—
JIANPU TECHNOLOGY AIJTY	FY2025	$140.0M	$4.6M	3.3%	$20.0M	—
DINEWISE INC DWIS	FY2025	$0	-$335K	N/A	$18.9M	—

Where CALIFORNIA FIRST LEASING Ranks

Frequently Asked Questions

What is CALIFORNIA FIRST LEASING's annual revenue?

CALIFORNIA FIRST LEASING (CFNB) reported $29.5M in total revenue for fiscal year 2017. This represents a 11.7% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is CALIFORNIA FIRST LEASING's revenue growing?

CALIFORNIA FIRST LEASING (CFNB) revenue grew by 11.7% year-over-year, from $26.4M to $29.5M in fiscal year 2017.

Is CALIFORNIA FIRST LEASING profitable?

Yes, CALIFORNIA FIRST LEASING (CFNB) reported a net income of $11.1M in fiscal year 2017, with a net profit margin of 37.8%.

How much debt does CALIFORNIA FIRST LEASING have?

As of fiscal year 2017, CALIFORNIA FIRST LEASING (CFNB) had $96.1M in cash and equivalents against $0 in long-term debt.

What is CALIFORNIA FIRST LEASING's net profit margin?

CALIFORNIA FIRST LEASING (CFNB) had a net profit margin of 37.8% in fiscal year 2017, representing the share of revenue converted into profit after all expenses.

Does CALIFORNIA FIRST LEASING pay dividends?

Yes, CALIFORNIA FIRST LEASING (CFNB) paid $0.46 per share in dividends during fiscal year 2017.

What is CALIFORNIA FIRST LEASING's return on equity (ROE)?

CALIFORNIA FIRST LEASING (CFNB) has a return on equity of 5.7% for fiscal year 2017, measuring how efficiently the company generates profit from shareholder equity.

What is CALIFORNIA FIRST LEASING's operating cash flow?

CALIFORNIA FIRST LEASING (CFNB) generated $44.3M in operating cash flow during fiscal year 2017, representing cash generated from core business activities.

What are CALIFORNIA FIRST LEASING's total assets?

CALIFORNIA FIRST LEASING (CFNB) had $715.6M in total assets as of fiscal year 2017, including both current and long-term assets.

How many shares does CALIFORNIA FIRST LEASING have outstanding?

CALIFORNIA FIRST LEASING (CFNB) had 10M shares outstanding as of fiscal year 2017.

What is CALIFORNIA FIRST LEASING's debt-to-equity ratio?

CALIFORNIA FIRST LEASING (CFNB) had a debt-to-equity ratio of 0.00 as of fiscal year 2017, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is CALIFORNIA FIRST LEASING's return on assets (ROA)?

CALIFORNIA FIRST LEASING (CFNB) had a return on assets of 1.6% for fiscal year 2017, measuring how efficiently the company uses its assets to generate profit.

What is CALIFORNIA FIRST LEASING's Piotroski F-Score?

CALIFORNIA FIRST LEASING (CFNB) has a Piotroski F-Score of 5 out of 7 computable signals; 2 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are CALIFORNIA FIRST LEASING's earnings high quality?

CALIFORNIA FIRST LEASING (CFNB) has an earnings quality ratio of 3.99x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.