FINDEV INC (FDI.CA) Stock Fundamental Analysis
TSX-V:FDI - TSX Venture Exchange - CA31773A1075 - Common Stock - Currency: CAD
Overall FDI gets a fundamental rating of 6 out of 10. We evaluated FDI against 29 industry peers in the Financial Services industry. FDI gets an excellent profitability rating and is at the same time showing great financial health properties. FDI is valued correctly, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
FDI had positive earnings in the past year.
FDI had a positive operating cash flow in the past year.
In the past 5 years FDI has always been profitable.
FDI had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
FDI has a Return On Assets of 9.55%. This is amongst the best in the industry. FDI outperforms 100.00% of its industry peers.
FDI's Return On Equity of 9.79% is amongst the best of the industry. FDI outperforms 82.76% of its industry peers.
FDI has a better Return On Invested Capital (9.13%) than 89.66% of its industry peers.
The Average Return On Invested Capital over the past 3 years for FDI is above the industry average of 5.87%.
The 3 year average ROIC (8.22%) for FDI is below the current ROIC(9.13%), indicating increased profibility in the last year.
| 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
FDI has a Profit Margin of 71.87%. This is amongst the best in the industry. FDI outperforms 96.55% of its industry peers.
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
Compared to 1 year ago, FDI has about the same amount of shares outstanding.
The number of shares outstanding for FDI remains at a similar level compared to 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 10.98 indicates that FDI is not in any danger for bankruptcy at the moment.
With an excellent Altman-Z score value of 10.98, FDI belongs to the best of the industry, outperforming 86.21% of the companies in the same industry.
FDI has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Altman-Z | 10.98 |
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.
FDI's Current ratio of 0.45 is fine compared to the rest of the industry. FDI outperforms 62.07% of its industry peers.
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.
The Quick ratio of FDI (0.45) is better than 62.07% of its industry peers.
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%.
The Earnings Per Share has been growing by 9.22% on average over the past years. This is quite good.
FDI shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -14.63%.
The Revenue has been growing by 12.57% on average over the past years. This is quite good.
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
The Price/Earnings ratio is 4.94, which indicates a rather cheap valuation of FDI.
FDI's Price/Earnings ratio is rather cheap when compared to the industry. FDI is cheaper than 100.00% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 26.43. FDI is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.94 | ||
| Fwd PE | N/A |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of FDI indicates a rather cheap valuation: FDI is cheaper than 89.66% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 14.51 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The excellent profitability rating of FDI may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.54
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
FDI has a Yearly Dividend Yield of 6.67%, which is a nice return.
Compared to an average industry Dividend Yield of 6.41, FDI has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.38, FDI pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.67% |
5.2 History
FDI has paid a dividend for at least 10 years, which is 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
33.10% of the earnings are spent on dividend by FDI. This is a low number and sustainable payout ratio.
DP33.1%
EPS Next 2YN/A
EPS Next 3YN/A
TSX-V:FDI (6/3/2025, 7:00:00 PM)
0.445
+0.02 (+4.71%)
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 Cap12.75M
Analysts0
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.67% |
Yearly Dividend0.03
Dividend Growth(5Y)0%
DP33.1%
Div Incr Years0
Div Non Decr Years8
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 | 4.94 | ||
| Fwd PE | N/A | ||
| P/S | 3.53 | ||
| P/FCF | 14.51 | ||
| P/OCF | 14.51 | ||
| P/B | 0.48 | ||
| P/tB | 0.48 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.09
EY20.22%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0.03
FCFY6.89%
OCF(TTM)0.03
OCFY6.89%
SpS0.13
BVpS0.93
TBVpS0.93
PEG (NY)N/A
PEG (5Y)0.54
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 | 10.98 |
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%