FINDEV INC (FDI.CA) Stock Fundamental Analysis
TSX-V:FDI - TSX Venture Exchange - CA31773A1075 - Common Stock - Currency: CAD
We assign a fundamental rating of 6 out of 10 to FDI. FDI was compared to 30 industry peers in the Financial Services industry. FDI scores excellent points on both the profitability and health parts. This is a solid base for a good stock. FDI has a valuation in line with the averages, but on the other hand it scores bad on growth.
1. Profitability
1.1 Basic Checks
In the past year FDI was profitable.
In the past year FDI had a positive cash flow from operations.
Each year in the past 5 years FDI has been profitable.
FDI had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
FDI has a better Return On Assets (9.55%) than 100.00% of its industry peers.
FDI's Return On Equity of 9.79% is amongst the best of the industry. FDI outperforms 83.33% of its industry peers.
FDI has a better Return On Invested Capital (9.13%) than 90.00% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for FDI is above the industry average of 5.68%.
The last Return On Invested Capital (9.13%) for FDI is above the 3 year average (8.22%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 9.55% | ||
| ROE | 9.79% | ||
| ROIC | 9.13% |
ROA(3y)7.93%
ROA(5y)11.46%
ROE(3y)8.07%
ROE(5y)11.63%
ROIC(3y)8.22%
ROIC(5y)7.98%
1.3 Margins
Looking at the Profit Margin, with a value of 71.87%, FDI belongs to the top of the industry, outperforming 96.67% of the companies in the same industry.
In the last couple of years the Profit Margin of FDI has declined.
FDI's Operating Margin of 92.70% is amongst the best of the industry. FDI outperforms 100.00% of its industry peers.
In the last couple of years the Operating Margin of FDI has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 92.7% | ||
| PM (TTM) | 71.87% | ||
| GM | N/A |
OM growth 3Y1.11%
OM growth 5Y2.31%
PM growth 3Y-29.24%
PM growth 5Y-2.99%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
FDI has about the same amout of shares outstanding than it did 1 year ago.
The number of shares outstanding for FDI remains at a similar level compared to 5 years ago.
There is no outstanding debt for FDI. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
2.2 Solvency
FDI has an Altman-Z score of 11.37. This indicates that FDI is financially healthy and has little risk of bankruptcy at the moment.
FDI's Altman-Z score of 11.37 is amongst the best of the industry. FDI outperforms 86.67% of its industry peers.
There is no outstanding debt for FDI. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Altman-Z | 11.37 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
FDI has a Current Ratio of 0.45. This is a bad value and indicates that FDI is not financially healthy enough and could expect problems in meeting its short term obligations.
Looking at the Current ratio, with a value of 0.45, FDI is in line with its industry, outperforming 50.00% of the companies in the same industry.
FDI has a Quick Ratio of 0.45. This is a bad value and indicates that FDI is not financially healthy enough and could expect problems in meeting its short term obligations.
FDI has a Quick ratio (0.45) which is comparable to the rest of the industry.
FDI does not score too well on the current and quick ratio evaluation. However, as it has excellent solvency and profitability, these ratios do not necessarly indicate liquidity issues and need to be evaluated against the specifics of the business.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.45 | ||
| Quick Ratio | 0.45 |
3. Growth
3.1 Past
FDI shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 2.37%.
FDI shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 9.22% yearly.
The Revenue for FDI has decreased by -14.63% in the past year. This is quite bad
Measured over the past years, FDI shows a quite strong growth in Revenue. The Revenue has been growing by 12.57% on average per year.
EPS 1Y (TTM)2.37%
EPS 3Y-21.67%
EPS 5Y9.22%
EPS Q2Q%61.49%
Revenue 1Y (TTM)-14.63%
Revenue growth 3Y10.71%
Revenue growth 5Y12.57%
Sales Q2Q%-10.87%
3.2 Future
No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 5.11, the valuation of FDI can be described as very cheap.
Based on the Price/Earnings ratio, FDI is valued cheaply inside the industry as 93.33% of the companies are valued more expensively.
FDI's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 24.21.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.11 | ||
| Fwd PE | N/A |
4.2 Price Multiples
FDI's Price/Free Cash Flow ratio is rather cheap when compared to the industry. FDI is cheaper than 86.67% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 15 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
FDI has an outstanding profitability rating, which may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.55
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
FDI has a Yearly Dividend Yield of 6.45%, which is a nice return.
Compared to an average industry Dividend Yield of 8.23, FDI is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.42, FDI pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.45% |
5.2 History
FDI has been paying a dividend for at least 10 years, so it has a reliable track record.
FDI has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
Dividend Growth(5Y)0%
Div Incr Years0
Div Non Decr Years7
5.3 Sustainability
FDI pays out 33.10% of its income as dividend. This is a sustainable payout ratio.
DP33.1%
EPS Next 2YN/A
EPS Next 3YN/A
TSX-V:FDI (5/9/2025, 7:00:00 PM)
0.46
-0.01 (-1.08%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners0.06%
Inst Owner ChangeN/A
Ins Owners2.79%
Ins Owner ChangeN/A
Market Cap13.18M
Analysts0
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.45% |
Yearly Dividend0.03
Dividend Growth(5Y)0%
DP33.1%
Div Incr Years0
Div Non Decr Years7
Ex-Date
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
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)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.11 | ||
| Fwd PE | N/A | ||
| P/S | 3.65 | ||
| P/FCF | 15 | ||
| P/OCF | 15 | ||
| P/B | 0.5 | ||
| P/tB | 0.5 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.09
EY19.57%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0.03
FCFY6.67%
OCF(TTM)0.03
OCFY6.67%
SpS0.13
BVpS0.93
TBVpS0.93
PEG (NY)N/A
PEG (5Y)0.55
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 9.55% | ||
| ROE | 9.79% | ||
| ROCE | 12.62% | ||
| ROIC | 9.13% | ||
| ROICexc | 9.24% | ||
| ROICexgc | 9.24% | ||
| OM | 92.7% | ||
| PM (TTM) | 71.87% | ||
| GM | N/A | ||
| FCFM | 24.32% |
ROA(3y)7.93%
ROA(5y)11.46%
ROE(3y)8.07%
ROE(5y)11.63%
ROIC(3y)8.22%
ROIC(5y)7.98%
ROICexc(3y)8.32%
ROICexc(5y)8.08%
ROICexgc(3y)8.32%
ROICexgc(5y)8.08%
ROCE(3y)11.36%
ROCE(5y)11.03%
ROICexcg growth 3Y6.72%
ROICexcg growth 5Y5.53%
ROICexc growth 3Y6.72%
ROICexc growth 5Y5.53%
OM growth 3Y1.11%
OM growth 5Y2.31%
PM growth 3Y-29.24%
PM growth 5Y-2.99%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.13
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 1.2 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 33.84% | ||
| Current Ratio | 0.45 | ||
| Quick Ratio | 0.45 | ||
| Altman-Z | 11.37 |
F-Score4
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)44.7%
Profit Quality(5y)37.11%
High Growth Momentum
Growth
EPS 1Y (TTM)2.37%
EPS 3Y-21.67%
EPS 5Y9.22%
EPS Q2Q%61.49%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-14.63%
Revenue growth 3Y10.71%
Revenue growth 5Y12.57%
Sales Q2Q%-10.87%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-9.66%
EBIT growth 3Y11.94%
EBIT growth 5Y15.18%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y2.66%
FCF growth 3Y1.03%
FCF growth 5Y-2.92%
OCF growth 1Y2.66%
OCF growth 3Y1.03%
OCF growth 5Y-2.92%