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Also trades as: 1958.HK (HKSE) · $vol 1M · BCCMY (OTC) · $vol 0M · 2B5.VI (VIE) · $vol 0M

BMCLF OTC

BAIC Motor Corporation Limited
1W: +0.0% 1M: -10.6% 3M: -31.6% YTD: -63.1% 1Y: -66.2% 3Y: -63.1% 5Y: -65.9%
$0.09
+0.00 (+0.00%)
 
OTC · Consumer Cyclical · Auto - Manufacturers · Tech Score Sell · Power 42 · $745.4M mcap · 1.75B float · 0.0000% daily turnover · Short 49% of daily vol

Financial Rating

Composite financial health rating (A+ to F) based on discounted cash flow valuation, return on equity, return on assets, debt-to-equity leverage, and relative P/E and P/B multiples.

C
Oct 02, 2026
DCF
1
ROE
1
ROA
1
D/E
2
P/E
1
P/B
5
The Financial Rating evaluates six fundamental factors — discounted cash flow (DCF) valuation, return on equity (ROE), return on assets (ROA), debt-to-equity leverage (D/E), and relative price-to-earnings (P/E) and price-to-book (P/B) multiples — each scored 1–5. BMCLF receives an overall rating of C. Strongest factors: P/B (5/5). Areas of concern: DCF (1/5), ROE (1/5), ROA (1/5), D/E (2/5), P/E (1/5).
Rating Change History
DateFromTo
2026-10-01 C+ C
2026-06-30 None ADDED
2026-06-15 EXISTED None
2026-06-10 None ADDED
2026-06-08 EXISTED None
2026-06-03 None ADDED
2026-05-31 EXISTED None
2026-05-26 None ADDED
2026-05-17 EXISTED None
2026-05-12 None ADDED

InsiderStreet Scorecard

Proprietary multi-factor scorecard rating companies across seven fundamental dimensions — profitability, balance sheet strength, earnings quality, growth, value, momentum, and safety — each scored 0–100.

★ ★ ★ ★ ★ — Grade D
Profitability
4
Balance Sheet
73
Earnings Quality
43
Growth
16
Value
—
Momentum
22
Safety
—
Cash Flow
27

Risk & Quality Signals

Academic financial models used by institutional investors to assess bankruptcy risk, earnings manipulation, financial strength, and credit quality.

Altman Z-Score
—
—
Piotroski F-Score
3/9
✗ ✓ ✗ ✓ ✗ ✗ ✓ ✗ ✗
Beneish M-Score
-2.83
Unlikely Manipulator
Ohlson O-Score
-8.73
Bankruptcy prob: 0.0%
Low Risk
Credit Rating
A+
Score: 77.4/100
Trend: Deteriorating
Earnings Quality
—
OCF/NI: -5.85x
Accruals: -17.4%
The Piotroski F-Score (2000) is a 9-point binary checklist — four profitability tests (positive ROA, positive cash flow, improving ROA, cash flow exceeding net income), three leverage tests (declining debt ratio, improving current ratio, no share dilution), and two efficiency tests (improving gross margin, improving asset turnover). Each pass scores 1 point. BMCLF scores 3/9, suggesting weak financial fundamentals — the company fails the majority of these accounting tests. The Beneish M-Score (1999) is an 8-variable model that detects earnings manipulation by comparing year-over-year changes in receivables, gross margins, asset quality, sales growth, depreciation, SG&A, leverage, and accruals. Scores above −1.78 statistically resemble past manipulators. BMCLF's score of -2.83 falls below this threshold, suggesting earnings are unlikely to be manipulated. The Ohlson O-Score (1980) is a 9-variable logistic regression that estimates bankruptcy probability using firm size, leverage, working capital, current ratio, profitability (ROA), cash flow coverage, negative equity flag, consecutive losses flag, and earnings trajectory. The raw score is converted to a probability via logistic transformation. BMCLF's implied 0.0% bankruptcy probability is well within safe territory. Our Credit Rating model scores companies on five weighted components — solvency (30%), earning power (25%), leverage (20%), liquidity (15%), and cash flow quality (10%) — then blends the absolute score with sector and industry peer rankings. For companies with large buyback programs, equity is adjusted by adding back cumulative 5-year repurchases (capped at 80% of FCF generated) to avoid penalizing shareholder-friendly capital allocation. BMCLF receives an estimated rating of A+ (score: 77.4/100), with a deteriorating trend.

Valuation

Key valuation multiples comparing the stock's market price to its earnings, revenue, book value, and cash flows. Lower multiples may indicate relative undervaluation versus peers.

P/E
-2.60x
PEG
0.00x
P/S
0.03x
P/B
0.09x
P/FCF
—
P/OCF
—
EV/EBITDA
—
EV/Revenue
—
EV/EBIT
—
EV/FCF
—
Earnings Yield
—
FCF Yield
—
Shareholder Yield
—
Graham Number
—
Equity-based multiples (P/E, P/B, P/FCF) compare the stock price to per-share fundamentals and are affected by capital structure. Enterprise value multiples (EV/EBITDA, EV/Revenue, EV/FCF) strip out debt and cash, making them more useful for cross-company comparisons regardless of how companies are financed. The Graham Number — √(22.5 × EPS × Book Value) — is Benjamin Graham's formula for the maximum price a defensive investor should pay. BMCLF currently has negative earnings — the P/E ratio is not meaningful.

DuPont Decomposition (5-Factor)

The 5-factor DuPont framework breaks Return on Equity into its component drivers — tax efficiency, interest burden, operating profitability, asset utilization, and financial leverage — to reveal what truly drives shareholder returns.

Tax Burden
-0.252
NI / EBT
×
Interest Burden
1.074
EBT / EBIT
×
EBIT Margin
0.046
EBIT / Rev
×
Asset Turnover
2.021
Rev / Assets
×
Equity Multiplier
2.737
Assets / Equity
=
ROE
-7.0%
The 5-factor DuPont identity decomposes ROE as: Tax Burden × Interest Burden × EBIT Margin × Asset Turnover × Equity Multiplier = ROE. This reveals whether returns are driven by operating performance, financial leverage, or tax efficiency — three very different sources of profitability. BMCLF's ROE of -7.0% is driven by Asset Turnover (2.021), indicating efficient use of assets to generate revenue. A tax burden ratio of -0.25 suggests the company retains less than 60% of pre-tax earnings after taxes.

Graham-Dodd Adjusted Valuation

Our adaptation of Graham's growth formula (Fair P/E = 8.5 + 2g) from The Intelligent Investor. The classic version relies on analyst growth projections, which can be unreliable. This adjusted model substitutes the company's realized 3-year EPS CAGR — a backward-looking, verifiable measure of actual earnings power — grounding the valuation in demonstrated performance rather than forecasts.

Two adjustments we make, and why. Growth is capped at 15%. Graham defined g as expected growth over the next seven to ten years, not last year's rate. Across US companies since 1994 the median realized 7-year EPS growth is 5–8% regardless of how fast a company grew beforehand, and of 4,457 company-quarters that grew faster than 200%, none sustained it. Uncapped, the formula assigned fair multiples in the hundreds to companies that had never held that rate — and scored worse than simply reading the P/E. Capped, it carries real information. The verdict has three states, not two. Tested over 377,249 stock-months, this ratio only separates outcomes at its extremes: below 0.25 beat the universe by 1.3 points a year, above 3.0 lagged by 2.7, and everything in between sat inside a one-point band. Rather than call two-thirds of the market "undervalued" on a threshold of 1.0, we say Neutral where the model cannot tell — which is most of the time.

Adj. Growth Rate
0.00%
Fair P/E
8.50x
Intrinsic Value
—
Price/Value
—
Margin of Safety
—
Premium
—

Profitability Trends

Historical profitability ratios tracking how efficiently the company converts revenue into returns for shareholders over time.

Leverage & Solvency Trends

Debt and liquidity metrics showing the company's financial leverage and ability to meet short-term and long-term obligations.

Efficiency & Working Capital Trends

Operating efficiency metrics measuring how quickly the company converts inventory to sales, collects receivables, and manages its cash conversion cycle.

Growth Trends (YoY %)

Year-over-year growth rates for key financial metrics, showing the trajectory of revenue, earnings, and cash flow generation.

Earnings Stability

R-squared of linear regression measuring how predictably revenue, earnings, and margins follow a trend over the trailing 5 years. 1.0 = perfectly predictable; lower values indicate erratic or cyclical behavior.

Monte Carlo Price Simulation

Geometric Brownian Motion with 1,000 antithetic paths over 1 year, seeded from 1440 days of historical volatility. Percentile bands show the range of statistically plausible outcomes — this is a statistical model, not a forecast.

Current Price
$0.09
Median 1Y
$0.07
5th Pctile
$0.03
95th Pctile
$0.16
Ann. Volatility
50.9%
25th–75th percentile 5th–95th percentile Median path Historical
All Ratios & Metrics

Complete fundamental data with up to 20 periods of history, sparkline trends, and current values across 13 categories and 130+ financial metrics.

Profitability
Metric Trend Q2'21 Q4'21 Q2'22 Q4'22 Q2'23 Q4'23 Q2'24 Q4'24 Q2'25 Q4'25 Q2'26 Current
ROE 5.3% 7.3% 11.3% 14.8% 15.0% 13.2% 12.5% 7.1% 0.0% -0.7% -7.0% -6.96%
ROA 1.4% 2.1% 3.4% 4.6% 4.5% 4.1% 4.1% 2.3% 0.0% -0.2% -2.5% -2.54%
ROIC 35.1% 45.8% 58.6% 81.1% 69.7% 67.6% 73.1% 69.7% 44.9% 29.2% 12.6% 12.63%
ROCE 14.6% 26.3% 38.7% 51.5% 50.8% 50.2% 49.7% 44.4% 35.1% 29.4% 17.7% 17.74%
Gross Margin 23.6% 19.1% 22.2% 22.3% 20.8% 19.7% 24.1% 8.3% 8.4% 14.7% 10.1% 10.06%
Operating Margin 15.5% 11.0% 13.7% 13.6% 12.7% 10.1% 10.8% 7.1% 4.6% 5.1% 1.0% 0.97%
Net Margin 3.1% 1.3% 2.6% 1.9% 2.9% 0.2% 2.1% -1.0% -1.4% -0.3% -2.8% -2.76%
EBITDA Margin 18.7% 14.6% 17.6% 16.3% 16.0% 12.0% 15.5% 9.6% 9.4% 11.7% 7.6% 7.63%
FCF Margin 2.5% 2.5% 4.1% 4.6% 6.0% 7.2% 7.8% 8.9% 8.5% 8.5% 3.3% 3.26%
OCF Margin 7.1% 7.3% 8.6% 8.6% 9.9% 11.0% 12.1% 13.7% 13.1% 13.0% 7.4% 7.36%
ROE 3Y Avg snapshot only 5.28%
ROA 3Y Avg snapshot only 1.58%
ROIC 3Y Avg snapshot only 8.01%
ROIC Economic snapshot only 11.58%
Cash ROA snapshot only 16.37%
Cash ROIC snapshot only 36.54%
CROIC snapshot only 16.21%
NOPAT Margin snapshot only 2.54%
Pretax Margin snapshot only 4.98%
R&D / Revenue snapshot only 1.41%
SGA / Revenue snapshot only 7.39%
SBC / Revenue snapshot only 0.00%
Valuation
Metric Trend Q2'21 Q4'21 Q2'22 Q4'22 Q2'23 Q4'23 Q2'24 Q4'24 Q2'25 Q4'25 Q2'26 Current
P/E Ratio — — — — — — — — — — — -2.602
P/S Ratio — — — — — — — — — — — 0.035
P/B Ratio — — — — — — — — — — — 0.088
P/FCF — — — — — — — — — — — —
P/OCF — — — — — — — — — — — —
EV/EBITDA — — — — — — — — — — — —
EV/Revenue — — — — — — — — — — — —
EV/EBIT — — — — — — — — — — — —
EV/FCF — — — — — — — — — — — —
Earnings Yield — — — — — — — — — — — —
FCF Yield — — — — — — — — — — — —
PEG Ratio snapshot only 0.001
Leverage & Solvency
Metric Trend Q2'21 Q4'21 Q2'22 Q4'22 Q2'23 Q4'23 Q2'24 Q4'24 Q2'25 Q4'25 Q2'26 Current
Current Ratio 0.97 0.94 0.97 1.04 1.00 1.06 1.07 0.97 1.00 0.95 0.93 0.930
Quick Ratio 0.75 0.71 0.70 0.71 0.67 0.75 0.71 0.64 0.62 0.68 0.55 0.548
Debt/Equity 0.46 0.43 0.38 0.38 0.31 0.24 0.19 0.16 0.15 0.34 0.39 0.387
Net Debt/Equity -0.49 -0.36 -0.33 -0.31 -0.32 -0.32 -0.34 -0.44 -0.29 -0.10 0.17 0.165
Debt/Assets 0.13 0.12 0.11 0.12 0.10 0.08 0.06 0.05 0.05 0.12 0.15 0.149
Debt/EBITDA 1.43 0.76 0.46 0.33 0.29 0.22 0.18 0.17 0.20 0.48 0.69 0.687
Net Debt/EBITDA -1.51 -0.64 -0.40 -0.28 -0.30 -0.30 -0.34 -0.48 -0.39 -0.15 0.29 0.294
Interest Coverage — — — 73.56 71.44 70.29 70.25 — 48.78 31.64 16.35 16.353
Equity Multiplier 3.63 3.44 3.33 3.18 3.12 2.96 2.86 3.00 2.86 2.87 2.60 2.602
Cash Ratio snapshot only 0.203
Debt Service Coverage snapshot only 34.288
Cash to Debt snapshot only 0.572
FCF to Debt snapshot only 0.489
Defensive Interval snapshot only 585.7 days
Efficiency & Turnover
Metric Trend Q2'21 Q4'21 Q2'22 Q4'22 Q2'23 Q4'23 Q2'24 Q4'24 Q2'25 Q4'25 Q2'26 Current
Asset Turnover 0.47 0.97 1.46 2.11 2.05 2.22 2.29 2.26 2.19 2.10 2.02 2.021
Inventory Turnover 3.38 6.54 8.67 10.98 12.39 13.60 12.10 11.83 11.19 13.27 11.13 11.127
Receivables Turnover 6.39 9.78 15.20 24.73 26.09 23.24 24.72 30.18 23.18 17.18 20.56 20.563
Payables Turnover 1.69 3.49 5.46 9.59 8.13 8.11 8.34 9.24 8.83 8.89 9.50 9.500
DSO 57 37 24 15 14 16 15 12 16 21 18 17.8 days
DIO 108 56 42 33 29 27 30 31 33 28 33 32.8 days
DPO 216 105 67 38 45 45 44 40 41 41 38 38.4 days
Cash Conversion Cycle -51 -11 -1 10 -1 -2 1 3 7 8 12 12.1 days
Fixed Asset Turnover snapshot only 7.360
Operating Cycle snapshot only 50.6 days
Cash Velocity snapshot only 26.164
Capital Intensity snapshot only 0.449
Growth (YoY)
Metric Trend Q2'21 Q4'21 Q2'22 Q4'22 Q2'23 Q4'23 Q2'24 Q4'24 Q2'25 Q4'25 Q2'26 Current
Revenue — — — — 3.1% 1.2% 53.7% 6.6% -1.0% -9.2% -21.0% -20.99%
Net Income — — — — 2.0% 87.3% 17.1% -50.5% -100.0% -1.1% -1.6% -1.56%
EPS — — — — 2.0% 87.3% 17.1% -50.5% -100.0% -1.1% -1.6% -1.56%
FCF — — — — 9.0% 5.3% 1.9% 1.0% 41.5% 8.0% -67.0% -67.05%
EBITDA — — — — 2.6% 1.0% 35.0% -16.0% -28.2% -31.5% -48.6% -48.57%
Op. Income — — — — 2.4% 1.1% 35.9% -19.5% -35.8% -48.6% -67.7% -67.75%
OCF Growth snapshot only -51.83%
Asset Growth snapshot only -16.81%
Equity Growth snapshot only -8.50%
Debt Growth snapshot only 91.06%
Shares Change snapshot only 0.00%
Dividend Growth snapshot only -69.05%
Growth Quality
Metric Trend Q2'21 Q4'21 Q2'22 Q4'22 Q2'23 Q4'23 Q2'24 Q4'24 Q2'25 Q4'25 Q2'26 Current
Revenue Stability — — — — — — — — 0.74 0.60 0.16 0.157
Earnings Stability — — — — — — — — 0.11 0.31 0.67 0.673
Margin Stability — — — — — — — — 0.79 0.78 0.63 0.632
Rev. Growth Consistency 0.00 0.00 0.00 0.00 0.50 0.50 0.50 0.50 0.00 0.00 0.00 0.000
Earn. Growth Consistency 0.00 0.00 0.00 0.00 0.50 0.50 0.50 0.00 0.00 0.00 0.00 0.000
FCF Positive Streak 0 0 0 0 1 1 1 1 1 1 1 1
Earnings Persistence — — — — — — — — 0.50 0.20 0.20 0.200
Earnings Smoothness — — — — 0.01 0.39 0.84 0.32 0.00 — — —
ROE Trend — — — — — — — — -0.10 -0.11 -0.19 -0.188
Gross Margin Trend — — — — — — — — -0.07 -0.07 -0.11 -0.114
FCF Margin Trend — — — — — — — — 0.04 0.04 -0.03 -0.027
Sustainable Growth Rate 4.6% 6.1% 8.9% 11.3% 10.8% 8.4% 8.0% 2.8% -3.5% — — —
Internal Growth Rate 1.3% 1.8% 2.7% 3.7% 3.3% 2.7% 2.7% 0.9% — — — —
Cash Flow Quality
Metric Trend Q2'21 Q4'21 Q2'22 Q4'22 Q2'23 Q4'23 Q2'24 Q4'24 Q2'25 Q4'25 Q2'26 Current
OCF/Net Income 2.34 3.34 3.69 3.92 4.57 5.94 6.83 13.40 29604.62 -110.36 -5.85 -5.848
FCF/OCF 0.35 0.35 0.48 0.54 0.60 0.65 0.65 0.65 0.65 0.65 0.44 0.444
FCF/Net Income snapshot only -2.594
OCF/EBITDA snapshot only 0.756
CapEx/Revenue 4.7% 4.8% 4.5% 4.0% 4.0% 3.9% 4.2% 4.8% 4.6% 4.5% 4.1% 4.09%
CapEx/Depreciation snapshot only 0.804
Accruals Ratio -0.02 -0.05 -0.09 -0.14 -0.16 -0.20 -0.24 -0.29 -0.29 -0.28 -0.17 -0.174
Sloan Accruals snapshot only -0.166
Cash Flow Adequacy snapshot only 1.695
Dividends & Buybacks
Metric Trend Q2'21 Q4'21 Q2'22 Q4'22 Q2'23 Q4'23 Q2'24 Q4'24 Q2'25 Q4'25 Q2'26 Current
Dividend Yield — — — — — — — — — — — 0.00%
Dividend/Share $0.04 $0.08 $0.16 $0.24 $0.28 $0.33 $0.31 $0.30 $0.25 $0.16 $0.10 $0.00
Payout Ratio 11.6% 16.6% 21.3% 23.9% 28.1% 36.6% 35.8% 60.3% 1209.4% — — —
FCF Payout Ratio 14.4% 14.4% 12.0% 11.4% 10.2% 9.5% 8.1% 7.0% 6.3% 4.3% 7.6% 7.59%
Total Payout Ratio 47.9% 68.5% 54.6% 48.7% 40.3% 36.6% 35.8% 60.3% 1209.4% — — —
Div. Increase Streak 0 0 0 0 1 1 1 1 0 0 0 0
Chowder Number — — — — — — — — — — — —
Buyback Yield — — — — — — — — — — — —
Net Buyback Yield — — — — — — — — — — — —
Total Shareholder Return — — — — — — — — — — — —
DuPont Factors
Metric Trend Q2'21 Q4'21 Q2'22 Q4'22 Q2'23 Q4'23 Q2'24 Q4'24 Q2'25 Q4'25 Q2'26 Current
Tax Burden (NI/EBT) 0.20 0.17 0.21 0.19 0.23 0.21 0.18 0.13 0.00 -0.02 -0.25 -0.252
Interest Burden (EBT/EBIT) 0.97 0.98 0.83 0.87 0.75 0.75 0.84 0.80 0.91 1.00 1.07 1.074
EBIT Margin 0.15 0.13 0.13 0.13 0.13 0.12 0.12 0.10 0.08 0.07 0.05 0.046
Asset Turnover 0.47 0.97 1.46 2.11 2.05 2.22 2.29 2.26 2.19 2.10 2.02 2.021
Equity Multiplier 3.63 3.44 3.33 3.18 3.36 3.19 3.08 3.09 2.99 2.92 2.74 2.737
Per Share
Metric Trend Q2'21 Q4'21 Q2'22 Q4'22 Q2'23 Q4'23 Q2'24 Q4'24 Q2'25 Q4'25 Q2'26 Current
EPS (Diluted TTM) $0.34 $0.48 $0.75 $1.00 $1.02 $0.90 $0.88 $0.50 $0.00 $-0.05 $-0.49 $-0.49
Book Value/Share $6.55 $6.56 $6.64 $6.80 $7.01 $7.11 $7.43 $7.15 $7.17 $7.23 $6.80 $9.05
Tangible Book/Share $4.19 $4.32 $4.42 $4.65 $4.91 $6.14 $5.95 $4.72 $4.76 $5.57 $5.13 $5.13
Revenue/Share $11.28 $21.95 $32.39 $45.71 $46.79 $48.46 $49.79 $48.71 $46.32 $43.99 $39.34 $17.29
FCF/Share $0.28 $0.56 $1.33 $2.11 $2.79 $3.48 $3.90 $4.32 $3.95 $3.75 $1.28 $-0.51
OCF/Share $0.80 $1.61 $2.77 $3.94 $4.64 $5.35 $6.01 $6.66 $6.06 $5.73 $2.89 $0.17
Cash/Share $6.22 $5.15 $4.72 $4.68 $4.43 $3.92 $3.91 $4.23 $3.19 $3.19 $1.50 $1.50
EBITDA/Share $2.11 $3.67 $5.51 $7.68 $7.54 $7.46 $7.44 $6.45 $5.41 $5.11 $3.83 $3.83
Debt/Share $3.02 $2.80 $2.53 $2.57 $2.19 $1.68 $1.38 $1.12 $1.08 $2.45 $2.63 $2.63
Net Debt/Share $-3.19 $-2.35 $-2.20 $-2.11 $-2.24 $-2.24 $-2.54 $-3.11 $-2.11 $-0.74 $1.12 $1.12
Academic Models
Metric Trend Q2'21 Q4'21 Q2'22 Q4'22 Q2'23 Q4'23 Q2'24 Q4'24 Q2'25 Q4'25 Q2'26 Current
Altman Z-Score — — — — — — — — — — — —
Piotroski F-Score 4 4 4 4 8 9 9 6 6 2 3 3
Beneish M-Score — — — — -3.11 -3.24 -3.46 -2.82 -3.01 -3.31 -2.83 -2.829
Ohlson O-Score snapshot only -8.730
ROIC (Greenblatt) snapshot only 37.80%
Net-Net WC snapshot only $-1.76
EVA snapshot only $1670372757.43
Credit
Metric Trend Q2'21 Q4'21 Q2'22 Q4'22 Q2'23 Q4'23 Q2'24 Q4'24 Q2'25 Q4'25 Q2'26 Current
Credit Rating snapshot only A+
Credit Score 64.55 67.55 79.25 81.75 81.75 81.75 82.75 80.25 82.75 81.75 77.35 77.350
Credit Grade snapshot only 5
Credit Trend snapshot only -5.400
Implied Spread (bps) snapshot only 125.000

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