FDI Fundamental Analysis - FINDEV INC

Fundamental Rating

Overall FDI gets a fundamental rating of 5 out of 10. We evaluated FDI against 28 industry peers in the Financial Services industry. FDI is in great health and has no worries on liquidiy or solvency at all, but the profibility rating is only average. FDI does not seem to be growing, but still is valued expensively.

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1. Profitability

1.1 Basic Checks

In the past year FDI was profitable.

FDI had a positive operating cash flow in the past year.

In the past 5 years FDI has always been profitable.

Each year in the past 5 years FDI had a positive operating cash flow.

1.2 Ratios

With a Return On Assets value of 0.93%, FDI perfoms like the industry average, outperforming 46.43% of the companies in the same industry.

The Return On Equity of FDI (0.95%) is worse than 67.86% of its industry peers.

The Return On Invested Capital of FDI (0.45%) is worse than 78.57% of its industry peers.

Measured over the past 3 years, the Average Return On Invested Capital for FDI is above the industry average of 5.33%.

The last Return On Invested Capital (0.45%) for FDI is well below the 3 year average (8.22%), which needs to be investigated, but indicates that FDI had better years and this may not be a problem.

		Industry Rank	Sector Rank
ROA	0.93%
ROE	0.95%
ROIC	0.45%

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

The Profit Margin of FDI (57.47%) is better than 92.86% of its industry peers.

In the last couple of years the Profit Margin of FDI has declined.

With a Operating Margin value of 37.32%, FDI perfoms like the industry average, outperforming 50.00% of the companies in the same industry.

FDI's Operating Margin has improved in the last couple of years.

		Industry Rank	Sector Rank
OM	37.32%
PM (TTM)	57.47%
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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

Compared to 1 year ago, FDI has about the same amount of shares outstanding.

FDI has about the same amout of shares outstanding than it did 5 years ago.

FDI has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.

2.2 Solvency

An Altman-Z score of 17.39 indicates that FDI is not in any danger for bankruptcy at the moment.

The Altman-Z score of FDI (17.39) is better than 96.43% 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	17.39

ROIC/WACCN/A

WACCN/A

2.3 Liquidity

FDI has a Current Ratio of 0.74. 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's Current ratio of 0.74 is fine compared to the rest of the industry. FDI outperforms 67.86% of its industry peers.

FDI has a Quick Ratio of 0.74. 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 of 0.74. This is in the better half of the industry: FDI outperforms 67.86% of its industry peers.

		Industry Rank	Sector Rank
Current Ratio	0.74
Quick Ratio	0.74

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

FDI shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -88.72%.

FDI shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 9.22% yearly.

FDI shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -88.61%.

FDI shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 12.57% yearly.

EPS 1Y (TTM)-88.72%

EPS 3Y-21.67%

EPS 5Y9.22%

EPS Q2Q%-313.64%

Revenue 1Y (TTM)-88.61%

Revenue growth 3Y10.71%

Revenue growth 5Y12.57%

Sales Q2Q%-274.56%

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.

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 40.00 indicates a quite expensive valuation of FDI.

Based on the Price/Earnings ratio, FDI is valued a bit cheaper than the industry average as 60.71% of the companies are valued more expensively.

When comparing the Price/Earnings ratio of FDI to the average of the S&P500 Index (27.02), we can say FDI is valued slightly more expensively.

		Industry Rank	Sector Rank
PE	40
Fwd PE	N/A

4.2 Price Multiples

85.71% of the companies in the same industry are more expensive than FDI, based on the Price/Free Cash Flow ratio.

		Industry Rank	Sector Rank
P/FCF	13.79
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)4.34

EPS Next 2YN/A

EPS Next 3YN/A

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5. Dividend

5.1 Amount

FDI has a Yearly Dividend Yield of 7.32%, which is a nice return.

FDI's Dividend Yield is comparable with the industry average which is at 6.68.

FDI's Dividend Yield is rather good when compared to the S&P500 average which is at 2.44.

		Industry Rank	Sector Rank
Dividend Yield	7.32%

5.2 History

FDI has been paying a dividend for at least 10 years, so it has a reliable track record.

As FDI did not decrease their dividend in the past 5 years, we can say the dividend looks stable.

Dividend Growth(5Y)0%

Div Incr Years0

Div Non Decr Years8

5.3 Sustainability

363.84% of the earnings are spent on dividend by FDI. This is not a sustainable payout ratio.

DP363.84%

EPS Next 2YN/A

EPS Next 3YN/A

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FINDEV INC

TSX-V:FDI (10/10/2025, 7:00:00 PM)

0.4

-0.01 (-2.44%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupFinancial Services

GICS IndustryFinancial Services

Earnings (Last)08-26 2025-08-26

Earnings (Next)11-25 2025-11-25

Inst Owners0.06%

Inst Owner ChangeN/A

Ins Owners2.72%

Ins Owner ChangeN/A

Market Cap11.46M

Analysts0

Price TargetN/A

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	7.32%

Yearly Dividend0.03

Dividend Growth(5Y)0%

DP363.84%

Div Incr Years0

Div Non Decr Years8

Ex-Date09-25 2025-09-25 (0.0075)

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	40
Fwd PE	N/A
P/S	27.88
P/FCF	13.79
P/OCF	13.79
P/B	0.46
P/tB	0.46
EV/EBITDA	N/A

EPS(TTM)0.01

EY2.5%

EPS(NY)N/A

Fwd EYN/A

FCF(TTM)0.03

FCFY7.25%

OCF(TTM)0.03

OCFY7.25%

SpS0.01

BVpS0.87

TBVpS0.87

PEG (NY)N/A

PEG (5Y)4.34

Profitability

		Industry Rank	Sector Rank
ROA	0.93%
ROE	0.95%
ROCE	0.62%
ROIC	0.45%
ROICexc	0.45%
ROICexgc	0.45%
OM	37.32%
PM (TTM)	57.47%
GM	N/A
FCFM	202.24%

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 Turnover0.02

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	0.08
Cash Conversion	N/A
Profit Quality	351.91%
Current Ratio	0.74
Quick Ratio	0.74
Altman-Z	17.39

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)-88.72%

EPS 3Y-21.67%

EPS 5Y9.22%

EPS Q2Q%-313.64%

EPS Next YN/A

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)-88.61%

Revenue growth 3Y10.71%

Revenue growth 5Y12.57%

Sales Q2Q%-274.56%

Revenue Next YearN/A

Revenue Next 2YN/A

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1Y-95.22%

EBIT growth 3Y11.94%

EBIT growth 5Y15.18%

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y-10.24%

FCF growth 3Y1.03%

FCF growth 5Y-2.92%

OCF growth 1Y-10.24%

OCF growth 3Y1.03%

OCF growth 5Y-2.92%

FINDEV INC (FDI.CA) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

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5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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