ECN CAPITAL CORP (ECN-DB-A.CA) Stock Price, Forecast & Analysis
Canada - Toronto Stock Exchange - TSX:ECN-DB-A - CA26829LAB32
99.9 CAD
+0.13 (+0.13%)
Taking everything into account, ECN-DB-A scores 4 out of 10 in our fundamental rating. ECN-DB-A was compared to 26 industry peers in the Financial Services industry. While ECN-DB-A seems to be doing ok healthwise, there are quite some concerns on its profitability. ECN-DB-A is valied quite expensively at the moment, while it does show a decent growth rate.
1. Profitability
1.1 Basic Checks
ECN-DB-A had positive earnings in the past year.
ECN-DB-A had a positive operating cash flow in the past year.
In multiple years ECN-DB-A reported negative net income over the last 5 years.
The reported operating cash flow has been mixed in the past 5 years: ECN-DB-A reported negative operating cash flow in multiple years.
1.2 Ratios
ECN-DB-A has a worse Return On Assets (0.46%) than 65.38% of its industry peers.
The Return On Equity of ECN-DB-A (2.13%) is worse than 69.23% of its industry peers.
ECN-DB-A has a Return On Invested Capital of 4.52%. This is comparable to the rest of the industry: ECN-DB-A outperforms 50.00% of its industry peers.
ECN-DB-A had an Average Return On Invested Capital over the past 3 years of 2.48%. This is below the industry average of 5.80%.
The 3 year average ROIC (2.48%) for ECN-DB-A is below the current ROIC(4.52%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.46% | ||
| ROE | 2.13% | ||
| ROIC | 4.52% |
ROA(3y)-2.68%
ROA(5y)14.79%
ROE(3y)-16.1%
ROE(5y)77.16%
ROIC(3y)2.48%
ROIC(5y)1.63%
1.3 Margins
Looking at the Profit Margin, with a value of 1.81%, ECN-DB-A is doing worse than 73.08% of the companies in the same industry.
ECN-DB-A has a worse Operating Margin (34.57%) than 65.38% of its industry peers.
ECN-DB-A's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 34.57% | ||
| PM (TTM) | 1.81% | ||
| GM | N/A |
OM growth 3Y87.71%
OM growth 5Y15.55%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), ECN-DB-A is destroying value.
ECN-DB-A has more shares outstanding than it did 1 year ago.
Compared to 5 years ago, ECN-DB-A has more shares outstanding
ECN-DB-A has a better debt/assets ratio than last year.
2.2 Solvency
ECN-DB-A has an Altman-Z score of 15.63. This indicates that ECN-DB-A is financially healthy and has little risk of bankruptcy at the moment.
ECN-DB-A has a Altman-Z score of 15.63. This is amongst the best in the industry. ECN-DB-A outperforms 92.31% of its industry peers.
ECN-DB-A has a debt to FCF ratio of 8.94. This is a slightly negative value and a sign of low solvency as ECN-DB-A would need 8.94 years to pay back of all of its debts.
ECN-DB-A has a better Debt to FCF ratio (8.94) than 80.77% of its industry peers.
ECN-DB-A has a Debt/Equity ratio of 2.80. This is a high value indicating a heavy dependency on external financing.
ECN-DB-A's Debt to Equity ratio of 2.80 is on the low side compared to the rest of the industry. ECN-DB-A is outperformed by 76.92% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.8 | ||
| Debt/FCF | 8.94 | ||
| Altman-Z | 15.63 |
ROIC/WACC0.59
WACC7.66%
2.3 Liquidity
A Current Ratio of 1.12 indicates that ECN-DB-A should not have too much problems paying its short term obligations.
The Current ratio of ECN-DB-A (1.12) is comparable to the rest of the industry.
A Quick Ratio of 1.12 indicates that ECN-DB-A should not have too much problems paying its short term obligations.
ECN-DB-A has a Quick ratio of 1.12. This is in the better half of the industry: ECN-DB-A outperforms 61.54% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.12 | ||
| Quick Ratio | 1.12 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 650.00% over the past year.
ECN-DB-A shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -20.31% yearly.
ECN-DB-A shows a strong growth in Revenue. In the last year, the Revenue has grown by 23.61%.
The Revenue has been decreasing by -1.56% on average over the past years.
EPS 1Y (TTM)650%
EPS 3Y-34.48%
EPS 5Y-20.31%
EPS Q2Q%50%
Revenue 1Y (TTM)23.61%
Revenue growth 3Y21.98%
Revenue growth 5Y-1.56%
Sales Q2Q%12.47%
3.2 Future
Based on estimates for the next years, ECN-DB-A will show a very strong growth in Earnings Per Share. The EPS will grow by 54.71% on average per year.
Based on estimates for the next years, ECN-DB-A will show a quite strong growth in Revenue. The Revenue will grow by 14.01% on average per year.
EPS Next Y98.26%
EPS Next 2Y70.82%
EPS Next 3Y54.71%
EPS Next 5YN/A
Revenue Next Year14.38%
Revenue Next 2Y15.2%
Revenue Next 3Y14.01%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 475.71, ECN-DB-A can be considered very expensive at the moment.
Based on the Price/Earnings ratio, ECN-DB-A is valued a bit more expensive than the industry average as 73.08% of the companies are valued more cheaply.
When comparing the Price/Earnings ratio of ECN-DB-A to the average of the S&P500 Index (26.38), we can say ECN-DB-A is valued expensively.
Based on the Price/Forward Earnings ratio of 275.86, the valuation of ECN-DB-A can be described as expensive.
69.23% of the companies in the same industry are cheaper than ECN-DB-A, based on the Price/Forward Earnings ratio.
ECN-DB-A is valuated expensively when we compare the Price/Forward Earnings ratio to 23.83, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 475.71 | ||
| Fwd PE | 275.86 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, ECN-DB-A is valued a bit cheaper than the industry average as 65.38% of the companies are valued more expensively.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of ECN-DB-A is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 309.9 | ||
| EV/EBITDA | 199.48 |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates ECN-DB-A does not grow enough to justify the current Price/Earnings ratio.
A more expensive valuation may be justified as ECN-DB-A's earnings are expected to grow with 54.71% in the coming years.
PEG (NY)4.84
PEG (5Y)N/A
EPS Next 2Y70.82%
EPS Next 3Y54.71%
5. Dividend
5.1 Amount
ECN-DB-A has a Yearly Dividend Yield of 1.31%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 5.86, ECN-DB-A is paying slightly less dividend.
ECN-DB-A's Dividend Yield is slightly below the S&P500 average, which is at 1.87.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.31% |
5.2 History
The dividend of ECN-DB-A decreases each year by -5.51%.
ECN-DB-A is new to the dividend game and has less than 3 years of track record.
Dividend Growth(5Y)-5.51%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
ECN-DB-A pays out 348.97% of its income as dividend. This is not a sustainable payout ratio.
DP348.97%
EPS Next 2Y70.82%
EPS Next 3Y54.71%
TSX:ECN-DB-A (12/18/2025, 7:00:00 PM)
99.9
+0.13 (+0.13%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners35.99%
Inst Owner ChangeN/A
Ins Owners6.76%
Ins Owner ChangeN/A
Market Cap28.12B
Revenue(TTM)246.78M
Net Income(TTM)4.47M
Analysts73.33
Price Target116.73 (16.85%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.31% |
Yearly Dividend0.08
Dividend Growth(5Y)-5.51%
DP348.97%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-10.05%
Min EPS beat(2)-15.14%
Max EPS beat(2)-4.95%
EPS beat(4)0
Avg EPS beat(4)-21.27%
Min EPS beat(4)-64%
Max EPS beat(4)-0.99%
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)1
Avg Revenue beat(2)2.91%
Min Revenue beat(2)-7.2%
Max Revenue beat(2)13.03%
Revenue beat(4)2
Avg Revenue beat(4)2.06%
Min Revenue beat(4)-7.75%
Max Revenue beat(4)13.03%
Revenue beat(8)5
Avg Revenue beat(8)0.36%
Revenue beat(12)5
Avg Revenue beat(12)-7.21%
Revenue beat(16)5
Avg Revenue beat(16)-12.71%
PT rev (1m)-13.42%
PT rev (3m)-4.56%
EPS NQ rev (1m)4%
EPS NQ rev (3m)8.33%
EPS NY rev (1m)-1.85%
EPS NY rev (3m)-1.85%
Revenue NQ rev (1m)8.16%
Revenue NQ rev (3m)11.13%
Revenue NY rev (1m)2.51%
Revenue NY rev (3m)2.2%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 475.71 | ||
| Fwd PE | 275.86 | ||
| P/S | 82.63 | ||
| P/FCF | 309.9 | ||
| P/OCF | 306.67 | ||
| P/B | 96.9 | ||
| P/tB | N/A | ||
| EV/EBITDA | 199.48 |
EPS(TTM)0.21
EY0.21%
EPS(NY)0.36
Fwd EY0.36%
FCF(TTM)0.32
FCFY0.32%
OCF(TTM)0.33
OCFY0.33%
SpS1.21
BVpS1.03
TBVpS-0.26
PEG (NY)4.84
PEG (5Y)N/A
Graham Number2.21
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.46% | ||
| ROE | 2.13% | ||
| ROCE | 9.52% | ||
| ROIC | 4.52% | ||
| ROICexc | 4.64% | ||
| ROICexgc | 7.25% | ||
| OM | 34.57% | ||
| PM (TTM) | 1.81% | ||
| GM | N/A | ||
| FCFM | 26.66% |
ROA(3y)-2.68%
ROA(5y)14.79%
ROE(3y)-16.1%
ROE(5y)77.16%
ROIC(3y)2.48%
ROIC(5y)1.63%
ROICexc(3y)2.52%
ROICexc(5y)1.66%
ROICexgc(3y)3.6%
ROICexgc(5y)2.66%
ROCE(3y)5.23%
ROCE(5y)3.43%
ROICexgc growth 3Y47.97%
ROICexgc growth 5Y17.4%
ROICexc growth 3Y100.79%
ROICexc growth 5Y25.74%
OM growth 3Y87.71%
OM growth 5Y15.55%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.25
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.8 | ||
| Debt/FCF | 8.94 | ||
| Debt/EBITDA | 5.6 | ||
| Cap/Depr | 3.51% | ||
| Cap/Sales | 0.28% | ||
| Interest Coverage | 2.08 | ||
| Cash Conversion | 63.29% | ||
| Profit Quality | 1470.72% | ||
| Current Ratio | 1.12 | ||
| Quick Ratio | 1.12 | ||
| Altman-Z | 15.63 |
F-Score7
WACC7.66%
ROIC/WACC0.59
Cap/Depr(3y)114.58%
Cap/Depr(5y)86.26%
Cap/Sales(3y)8.73%
Cap/Sales(5y)6.74%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)650%
EPS 3Y-34.48%
EPS 5Y-20.31%
EPS Q2Q%50%
EPS Next Y98.26%
EPS Next 2Y70.82%
EPS Next 3Y54.71%
EPS Next 5YN/A
Revenue 1Y (TTM)23.61%
Revenue growth 3Y21.98%
Revenue growth 5Y-1.56%
Sales Q2Q%12.47%
Revenue Next Year14.38%
Revenue Next 2Y15.2%
Revenue Next 3Y14.01%
Revenue Next 5YN/A
EBIT growth 1Y63.62%
EBIT growth 3Y128.98%
EBIT growth 5Y13.75%
EBIT Next Year112.84%
EBIT Next 3Y44.38%
EBIT Next 5YN/A
FCF growth 1Y144.79%
FCF growth 3Y11.95%
FCF growth 5Y-6.78%
OCF growth 1Y151.11%
OCF growth 3Y10.19%
OCF growth 5Y-7.11%
ECN CAPITAL CORP / ECN-DB-A.CA FAQ
What does ECN-DB-A do?
ECN Capital Corp. provides business services to North American based banks, credit unions, life insurance companies, pension funds and investment funds. The company is headquartered in Toronto, Ontario and currently employs 690 full-time employees. The company went IPO on 2016-09-28. The firm is a provider of business services to North American banks, institutional investor, insurance company, pension plan, bank and credit union partners (collectively, its Partners). The company originates, manages and advises on credit assets on behalf of its Partners, specifically consumer (manufactured housing and recreational vehicle and marine) loans and commercial (floorplan or rental) loans. The firm operates through two segments: Manufactured Housing Finance, and Recreational Vehicles (RV) and Marine Finance. Its operating companies are Triad Financial Services, Inc. (Triad Financial Services), Source One Financial Services, LLC, Intercoastal Financial Group, LLC and Paramount Servicing Group, LLC., which operates Paramount Capital Group, LLC. Triad Financial Services is a portfolio solutions platform focused on originating and managing longer duration secured consumer loan portfolios for active partners.
Can you provide the latest stock price for ECN CAPITAL CORP?
The current stock price of ECN-DB-A.CA is 99.9 CAD. The price increased by 0.13% in the last trading session.
What is the ChartMill technical and fundamental rating of ECN-DB-A stock?
ECN-DB-A.CA has a ChartMill Technical rating of 4 out of 10 and a ChartMill Fundamental rating of 4 out of 10.
Where is ECN CAPITAL CORP (ECN-DB-A.CA) stock traded?
ECN-DB-A.CA stock is listed on the Toronto Stock Exchange exchange.