ECN CAPITAL CORP (ECN-DB-A.CA) Stock Price, Forecast & Analysis
Canada - TSX:ECN-DB-A - CA26829LAB32
100 CAD
-0.5 (-0.5%)
ECN-DB-A gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 27 industry peers in the Financial Services industry. The financial health of ECN-DB-A is average, but there are quite some concerns on its profitability. While showing a medium growth rate, ECN-DB-A is valued expensive at the moment.
1. Profitability
1.1 Basic Checks
In the past year ECN-DB-A was profitable.
In the past year ECN-DB-A had a positive cash flow from operations.
The reported net income has been mixed in the past 5 years: ECN-DB-A reported negative net income in multiple years.
In multiple years ECN-DB-A reported negative operating cash flow during the last 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.01%, ECN-DB-A is doing worse than 81.48% of the companies in the same industry.
ECN-DB-A's Return On Equity of 0.03% is on the low side compared to the rest of the industry. ECN-DB-A is outperformed by 81.48% of its industry peers.
The Return On Invested Capital of ECN-DB-A (4.31%) is comparable to the rest of the industry.
Measured over the past 3 years, the Average Return On Invested Capital for ECN-DB-A is below the industry average of 5.03%.
The 3 year average ROIC (2.48%) for ECN-DB-A is below the current ROIC(4.31%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.01% | ||
| ROE | 0.03% | ||
| ROIC | 4.31% |
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
With a Profit Margin value of 0.03%, ECN-DB-A is not doing good in the industry: 81.48% of the companies in the same industry are doing better.
With a Operating Margin value of 33.30%, ECN-DB-A is not doing good in the industry: 70.37% of the companies in the same industry are doing better.
ECN-DB-A's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 33.3% | ||
| PM (TTM) | 0.03% | ||
| 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
ECN-DB-A has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it 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
Compared to 1 year ago, ECN-DB-A has an improved debt to assets ratio.
2.2 Solvency
ECN-DB-A has an Altman-Z score of 15.51. This indicates that ECN-DB-A is financially healthy and has little risk of bankruptcy at the moment.
ECN-DB-A's Altman-Z score of 15.51 is amongst the best of the industry. ECN-DB-A outperforms 88.89% of its industry peers.
ECN-DB-A has a debt to FCF ratio of 3.27. This is a good value and a sign of high solvency as ECN-DB-A would need 3.27 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 3.27, ECN-DB-A belongs to the top of the industry, outperforming 81.48% of the companies in the same industry.
ECN-DB-A has a Debt/Equity ratio of 2.85. This is a high value indicating a heavy dependency on external financing.
With a Debt to Equity ratio value of 2.85, ECN-DB-A is not doing good in the industry: 77.78% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.85 | ||
| Debt/FCF | 3.27 | ||
| Altman-Z | 15.51 |
ROIC/WACC0.56
WACC7.75%
2.3 Liquidity
A Current Ratio of 1.05 indicates that ECN-DB-A should not have too much problems paying its short term obligations.
The Current ratio of ECN-DB-A (1.05) is better than 77.78% of its industry peers.
ECN-DB-A has a Quick Ratio of 1.05. This is a normal value and indicates that ECN-DB-A is financially healthy and should not expect problems in meeting its short term obligations.
With a decent Quick ratio value of 1.05, ECN-DB-A is doing good in the industry, outperforming 77.78% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.05 | ||
| Quick Ratio | 1.05 |
3. Growth
3.1 Past
ECN-DB-A shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 750.00%, which is quite impressive.
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.
Looking at the last year, ECN-DB-A shows a very strong growth in Revenue. The Revenue has grown by 33.31%.
ECN-DB-A shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -1.56% yearly.
EPS 1Y (TTM)750%
EPS 3Y-34.48%
EPS 5Y-20.31%
EPS Q2Q%33.33%
Revenue 1Y (TTM)33.31%
Revenue growth 3Y21.98%
Revenue growth 5Y-1.56%
Sales Q2Q%3.83%
3.2 Future
The Earnings Per Share is expected to grow by 42.84% on average over the next years. This is a very strong growth
Based on estimates for the next years, ECN-DB-A will show a quite strong growth in Revenue. The Revenue will grow by 12.04% on average per year.
EPS Next Y99.19%
EPS Next 2Y65.25%
EPS Next 3Y42.84%
EPS Next 5YN/A
Revenue Next Year11.92%
Revenue Next 2Y14.36%
Revenue Next 3Y12.04%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 555.56, the valuation of ECN-DB-A can be described as expensive.
ECN-DB-A's Price/Earnings ratio is rather expensive when compared to the industry. ECN-DB-A is more expensive than 81.48% of the companies in the same industry.
ECN-DB-A is valuated expensively when we compare the Price/Earnings ratio to 25.83, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 288.75, ECN-DB-A can be considered very expensive at the moment.
Compared to the rest of the industry, the Price/Forward Earnings ratio of ECN-DB-A indicates a slightly more expensive valuation: ECN-DB-A is more expensive than 74.07% of the companies listed in the same industry.
ECN-DB-A's Price/Forward Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 32.68.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 555.56 | ||
| Fwd PE | 288.75 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, ECN-DB-A is valued a bit cheaper than 70.37% of the companies in the same industry.
The rest of the industry has a similar Price/Free Cash Flow ratio as ECN-DB-A.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 114.58 | ||
| EV/EBITDA | 208.31 |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
ECN-DB-A's earnings are expected to grow with 42.84% in the coming years. This may justify a more expensive valuation.
PEG (NY)5.6
PEG (5Y)N/A
EPS Next 2Y65.25%
EPS Next 3Y42.84%
5. Dividend
5.1 Amount
ECN-DB-A has a Yearly Dividend Yield of 1.45%.
ECN-DB-A's Dividend Yield is slightly below the industry average, which is at 6.94.
ECN-DB-A's Dividend Yield is slightly below the S&P500 average, which is at 2.39.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.45% |
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 22763.77% of its income as dividend. This is not a sustainable payout ratio.
DP22763.77%
EPS Next 2Y65.25%
EPS Next 3Y42.84%
TSX:ECN-DB-A (11/5/2025, 7:00:00 PM)
100
-0.5 (-0.5%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners47.31%
Inst Owner ChangeN/A
Ins Owners6.76%
Ins Owner ChangeN/A
Market Cap28.15B
Revenue(TTM)238.49M
Net Income(TTM)69.00K
Analysts75
Price Target126.76 (26.76%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.45% |
Yearly Dividend0.08
Dividend Growth(5Y)-5.51%
DP22763.77%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-8.07%
Min EPS beat(2)-15.14%
Max EPS beat(2)-0.99%
EPS beat(4)0
Avg EPS beat(4)-22.53%
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)1.47%
Min Revenue beat(2)-7.2%
Max Revenue beat(2)10.15%
Revenue beat(4)2
Avg Revenue beat(4)1.46%
Min Revenue beat(4)-7.75%
Max Revenue beat(4)10.65%
Revenue beat(8)4
Avg Revenue beat(8)-3.52%
Revenue beat(12)4
Avg Revenue beat(12)-9.36%
Revenue beat(16)4
Avg Revenue beat(16)-17.32%
PT rev (1m)3.64%
PT rev (3m)-1.14%
EPS NQ rev (1m)-1.31%
EPS NQ rev (3m)4.17%
EPS NY rev (1m)0%
EPS NY rev (3m)-8.51%
Revenue NQ rev (1m)-1.1%
Revenue NQ rev (3m)-2.49%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-4.23%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 555.56 | ||
| Fwd PE | 288.75 | ||
| P/S | 83.76 | ||
| P/FCF | 114.58 | ||
| P/OCF | 114.13 | ||
| P/B | 99.74 | ||
| P/tB | N/A | ||
| EV/EBITDA | 208.31 |
EPS(TTM)0.18
EY0.18%
EPS(NY)0.35
Fwd EY0.35%
FCF(TTM)0.87
FCFY0.87%
OCF(TTM)0.88
OCFY0.88%
SpS1.19
BVpS1
TBVpS-0.29
PEG (NY)5.6
PEG (5Y)N/A
Graham Number2.02
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.01% | ||
| ROE | 0.03% | ||
| ROCE | 9.08% | ||
| ROIC | 4.31% | ||
| ROICexc | 4.38% | ||
| ROICexgc | 6.89% | ||
| OM | 33.3% | ||
| PM (TTM) | 0.03% | ||
| GM | N/A | ||
| FCFM | 73.1% |
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 | 2.85 | ||
| Debt/FCF | 3.27 | ||
| Debt/EBITDA | 5.79 | ||
| Cap/Depr | 3.52% | ||
| Cap/Sales | 0.28% | ||
| Interest Coverage | 1.7 | ||
| Cash Conversion | 177.56% | ||
| Profit Quality | 252664% | ||
| Current Ratio | 1.05 | ||
| Quick Ratio | 1.05 | ||
| Altman-Z | 15.51 |
F-Score7
WACC7.75%
ROIC/WACC0.56
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)750%
EPS 3Y-34.48%
EPS 5Y-20.31%
EPS Q2Q%33.33%
EPS Next Y99.19%
EPS Next 2Y65.25%
EPS Next 3Y42.84%
EPS Next 5YN/A
Revenue 1Y (TTM)33.31%
Revenue growth 3Y21.98%
Revenue growth 5Y-1.56%
Sales Q2Q%3.83%
Revenue Next Year11.92%
Revenue Next 2Y14.36%
Revenue Next 3Y12.04%
Revenue Next 5YN/A
EBIT growth 1Y178.05%
EBIT growth 3Y128.98%
EBIT growth 5Y13.75%
EBIT Next Year99.8%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y153.35%
FCF growth 3Y11.95%
FCF growth 5Y-6.78%
OCF growth 1Y156.44%
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 100 CAD. The price decreased by -0.5% 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.