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CHESSWOOD GROUP LTD (CHW.CA) Stock Fundamental Analysis

TSX:CHW - Toronto Stock Exchange - CA16550A1075 - Common Stock - Currency: CAD

0.9  -0.89 (-49.72%)

Fundamental Rating

3

Taking everything into account, CHW scores 3 out of 10 in our fundamental rating. CHW was compared to 29 industry peers in the Financial Services industry. CHW may be in some trouble as it scores bad on both profitability and health. CHW has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

CHW had negative earnings in the past year.
CHW had a positive operating cash flow in the past year.
In multiple years CHW reported negative net income over the last 5 years.
The reported operating cash flow has been mixed in the past 5 years: CHW reported negative operating cash flow in multiple years.
CHW.CA Yearly Net Income VS EBIT VS OCF VS FCFCHW.CA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 200M -200M -400M

1.2 Ratios

The Return On Assets of CHW (-1.96%) is worse than 73.68% of its industry peers.
CHW's Return On Equity of -21.59% is on the low side compared to the rest of the industry. CHW is outperformed by 78.95% of its industry peers.
Industry RankSector Rank
ROA -1.96%
ROE -21.59%
ROIC N/A
ROA(3y)0.53%
ROA(5y)0.38%
ROE(3y)4.35%
ROE(5y)3.02%
ROIC(3y)N/A
ROIC(5y)N/A
CHW.CA Yearly ROA, ROE, ROICCHW.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 10 -10

1.3 Margins

Looking at the Gross Margin, with a value of 32.03%, CHW is in the better half of the industry, outperforming 60.53% of the companies in the same industry.
CHW's Gross Margin has declined in the last couple of years.
CHW does not have Profit Margin and Operating Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM 32.03%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-14.75%
GM growth 5Y-10.62%
CHW.CA Yearly Profit, Operating, Gross MarginsCHW.CA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 20 40 60

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2

2. Health

2.1 Basic Checks

CHW does not have a ROIC to compare to the WACC, probably because it is not profitable.
CHW has more shares outstanding than it did 1 year ago.
CHW has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, CHW has a worse debt to assets ratio.
CHW.CA Yearly Shares OutstandingCHW.CA Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 5M 10M 15M
CHW.CA Yearly Total Debt VS Total AssetsCHW.CA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 500M 1B 1.5B 2B 2.5B

2.2 Solvency

CHW has an Altman-Z score of 0.12. This is a bad value and indicates that CHW is not financially healthy and even has some risk of bankruptcy.
The Altman-Z score of CHW (0.12) is worse than 81.58% of its industry peers.
The Debt to FCF ratio of CHW is 2.76, which is a good value as it means it would take CHW, 2.76 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 2.76, CHW belongs to the top of the industry, outperforming 89.47% of the companies in the same industry.
CHW has a Debt/Equity ratio of 9.58. This is a high value indicating a heavy dependency on external financing.
CHW has a worse Debt to Equity ratio (9.58) than 86.84% of its industry peers.
Industry RankSector Rank
Debt/Equity 9.58
Debt/FCF 2.76
Altman-Z 0.12
ROIC/WACCN/A
WACC3.53%
CHW.CA Yearly LT Debt VS Equity VS FCFCHW.CA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 500M -500M 1B 1.5B 2B

2.3 Liquidity

A Current Ratio of 0.48 indicates that CHW may have some problems paying its short term obligations.
CHW has a Current ratio (0.48) which is comparable to the rest of the industry.
CHW has a Quick Ratio of 0.48. This is a bad value and indicates that CHW is not financially healthy enough and could expect problems in meeting its short term obligations.
CHW has a Quick ratio (0.48) which is in line with its industry peers.
Industry RankSector Rank
Current Ratio 0.48
Quick Ratio 0.48
CHW.CA Yearly Current Assets VS Current LiabilitesCHW.CA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 10M 20M 30M 40M

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4

3. Growth

3.1 Past

The earnings per share for CHW have decreased strongly by -322.38% in the last year.
The Revenue has been growing slightly by 1.26% in the past year.
The Revenue has been growing by 23.40% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)-322.38%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-666.67%
Revenue 1Y (TTM)1.26%
Revenue growth 3Y39.29%
Revenue growth 5Y23.4%
Sales Q2Q%-15.21%

3.2 Future

CHW is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 44.35% yearly.
The Revenue is expected to decrease by -8.76% on average over the next years.
EPS Next Y82.8%
EPS Next 2Y44.35%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-20.93%
Revenue Next 2Y-8.76%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
CHW.CA Yearly Revenue VS EstimatesCHW.CA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M
CHW.CA Yearly EPS VS EstimatesCHW.CA Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 1 -1 -2

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6

4. Valuation

4.1 Price/Earnings Ratio

CHW reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
A Price/Forward Earnings ratio of 3.87 indicates a rather cheap valuation of CHW.
Compared to the rest of the industry, the Price/Forward Earnings ratio of CHW indicates a rather cheap valuation: CHW is cheaper than 94.74% of the companies listed in the same industry.
CHW's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 36.21.
Industry RankSector Rank
PE N/A
Fwd PE 3.87
CHW.CA Price Earnings VS Forward Price EarningsCHW.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 20 40 60 80 100

4.2 Price Multiples

100.00% of the companies in the same industry are more expensive than CHW, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 0.03
EV/EBITDA N/A
CHW.CA Per share dataCHW.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 10 20 30

4.3 Compensation for Growth

CHW's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as CHW's earnings are expected to grow with 44.35% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y44.35%
EPS Next 3YN/A

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5

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 10.00%, CHW is a good candidate for dividend investing.
In the last 3 months the price of CHW has falen by -87.72%. A price decline artificially increases the dividend yield. It may be a sign investors do not expect the dividend to last.
Compared to an average industry Dividend Yield of 7.32, CHW pays a better dividend. On top of this CHW pays more dividend than 97.37% of the companies listed in the same industry.
CHW's Dividend Yield is rather good when compared to the S&P500 average which is at 2.35.
Industry RankSector Rank
Dividend Yield 10%

5.2 History

The dividend of CHW decreases each year by -10.22%.
CHW has paid a dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)-10.22%
Div Incr Years0
Div Non Decr Years0
CHW.CA Yearly Dividends per shareCHW.CA Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 0.2 0.4 0.6 0.8

5.3 Sustainability

The earnings of CHW are negative and hence is the payout ratio. CHW will probably not be able to sustain this dividend level.
DP-19.39%
EPS Next 2Y44.35%
EPS Next 3YN/A
CHW.CA Yearly Income VS Free CF VS DividendCHW.CA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 200M -200M -400M

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CHESSWOOD GROUP LTD

TSX:CHW (8/15/2024, 7:00:00 PM)

0.9

-0.89 (-49.72%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)08-01 2024-08-01
Earnings (Next)11-04 2024-11-04
Inst Owners7.52%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap16.82M
Analysts72.5
Price Target5.67 (530%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 10%
Yearly Dividend0.54
Dividend Growth(5Y)-10.22%
DP-19.39%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-14611.4%
Min EPS beat(2)-29107.9%
Max EPS beat(2)-114.87%
EPS beat(4)2
Avg EPS beat(4)-7228.33%
Min EPS beat(4)-29107.9%
Max EPS beat(4)197.33%
EPS beat(8)3
Avg EPS beat(8)-3626.13%
EPS beat(12)7
Avg EPS beat(12)-2385.36%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)0
Avg Revenue beat(2)-6.11%
Min Revenue beat(2)-6.96%
Max Revenue beat(2)-5.26%
Revenue beat(4)0
Avg Revenue beat(4)-4.01%
Min Revenue beat(4)-6.96%
Max Revenue beat(4)-0.78%
Revenue beat(8)1
Avg Revenue beat(8)-2.42%
Revenue beat(12)5
Avg Revenue beat(12)0.43%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)-27.05%
PT rev (3m)-25.83%
EPS NQ rev (1m)-32.26%
EPS NQ rev (3m)-57.69%
EPS NY rev (1m)-8.4%
EPS NY rev (3m)42.97%
Revenue NQ rev (1m)-0.27%
Revenue NQ rev (3m)-12.76%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-13.39%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 3.87
P/S 0.06
P/FCF 0.03
P/OCF 0.03
P/B 0.1
P/tB 0.14
EV/EBITDA N/A
EPS(TTM)-3.18
EYN/A
EPS(NY)0.23
Fwd EY25.81%
FCF(TTM)31.85
FCFY3538.73%
OCF(TTM)31.88
OCFY3542.74%
SpS16.28
BVpS9.17
TBVpS6.31
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -1.96%
ROE -21.59%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM 32.03%
FCFM 195.64%
ROA(3y)0.53%
ROA(5y)0.38%
ROE(3y)4.35%
ROE(5y)3.02%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-14.75%
GM growth 5Y-10.62%
F-Score5
Asset Turnover0.16
Health
Industry RankSector Rank
Debt/Equity 9.58
Debt/FCF 2.76
Debt/EBITDA N/A
Cap/Depr 15.69%
Cap/Sales 0.22%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 0.48
Quick Ratio 0.48
Altman-Z 0.12
F-Score5
WACC3.53%
ROIC/WACCN/A
Cap/Depr(3y)22.37%
Cap/Depr(5y)22.81%
Cap/Sales(3y)0.4%
Cap/Sales(5y)0.44%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-322.38%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-666.67%
EPS Next Y82.8%
EPS Next 2Y44.35%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)1.26%
Revenue growth 3Y39.29%
Revenue growth 5Y23.4%
Sales Q2Q%-15.21%
Revenue Next Year-20.93%
Revenue Next 2Y-8.76%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-146.63%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year-724.65%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y187.87%
FCF growth 3Y49.58%
FCF growth 5YN/A
OCF growth 1Y188.12%
OCF growth 3Y49.13%
OCF growth 5YN/A