FINDEV INC (FDI.CA) Stock Fundamental Analysis
TSX-V:FDI - CA31773A1075 - Common Stock
0.42 CAD
-0.03 (-6.67%)
Taking everything into account, FDI scores 5 out of 10 in our fundamental rating. FDI was compared to 28 industry peers in the Financial Services industry. FDI scores excellent on profitability, but there are some minor concerns on its financial health. 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
With an excellent Return On Assets value of 8.16%, FDI belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
FDI has a Return On Equity (8.36%) which is comparable to the rest of the industry.
The Return On Invested Capital of FDI (7.42%) is better than 92.86% of its industry peers.
FDI had an Average Return On Invested Capital over the past 3 years of 8.22%. This is above the industry average of 5.12%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 8.16% | ||
| ROE | 8.36% | ||
| ROIC | 7.42% |
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 74.55%. This is amongst the best in the industry. FDI outperforms 96.43% of its industry peers.
FDI's Profit Margin has declined in the last couple of years.
With an excellent Operating Margin value of 91.40%, FDI belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
FDI's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 91.4% | ||
| PM (TTM) | 74.55% | ||
| 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.
Compared to 5 years ago, FDI has about the same amount of shares outstanding.
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 10.24 indicates that FDI is not in any danger for bankruptcy at the moment.
Looking at the Altman-Z score, with a value of 10.24, FDI is in the better half of the industry, outperforming 75.00% of the companies in the same industry.
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 | 10.24 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
FDI has a Current Ratio of 0.42. 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 0.42, FDI is in the better half of the industry, outperforming 64.29% of the companies in the same industry.
FDI has a Quick Ratio of 0.42. 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 (0.42) is better than 64.29% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.42 | ||
| Quick Ratio | 0.42 |
3. Growth
3.1 Past
The earnings per share for FDI have decreased strongly by -12.47% in the last year.
FDI shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 9.22% yearly.
Looking at the last year, FDI shows a very negative growth in Revenue. The Revenue has decreased by -31.30% in the last year.
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)-12.47%
EPS 3Y-21.67%
EPS 5Y9.22%
EPS Q2Q%-72.43%
Revenue 1Y (TTM)-31.3%
Revenue growth 3Y10.71%
Revenue growth 5Y12.57%
Sales Q2Q%-71.72%
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 5.25, which indicates a rather cheap valuation of FDI.
Compared to the rest of the industry, the Price/Earnings ratio of FDI indicates a rather cheap valuation: FDI is cheaper than 100.00% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of FDI to the average of the S&P500 Index (27.02), we can say FDI is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.25 | ||
| Fwd PE | N/A |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, FDI is valued cheaper than 82.14% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 13.95 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The decent profitability rating of FDI may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.57
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 6.98%, FDI is a good candidate for dividend investing.
FDI's Dividend Yield is comparable with the industry average which is at 6.13.
Compared to an average S&P500 Dividend Yield of 2.45, FDI pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.98% |
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
38.85% of the earnings are spent on dividend by FDI. This is a low number and sustainable payout ratio.
DP38.85%
EPS Next 2YN/A
EPS Next 3YN/A
TSX-V:FDI (9/8/2025, 7:00:00 PM)
0.42
-0.03 (-6.67%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners0.06%
Inst Owner ChangeN/A
Ins Owners2.72%
Ins Owner ChangeN/A
Market Cap12.03M
Analysts0
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.98% |
Yearly Dividend0.03
Dividend Growth(5Y)0%
DP38.85%
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 | 5.25 | ||
| Fwd PE | N/A | ||
| P/S | 4.06 | ||
| P/FCF | 13.95 | ||
| P/OCF | 13.95 | ||
| P/B | 0.45 | ||
| P/tB | 0.45 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.08
EY19.05%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0.03
FCFY7.17%
OCF(TTM)0.03
OCFY7.17%
SpS0.1
BVpS0.92
TBVpS0.92
PEG (NY)N/A
PEG (5Y)0.57
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 8.16% | ||
| ROE | 8.36% | ||
| ROCE | 10.25% | ||
| ROIC | 7.42% | ||
| ROICexc | 7.5% | ||
| ROICexgc | 7.5% | ||
| OM | 91.4% | ||
| PM (TTM) | 74.55% | ||
| GM | N/A | ||
| FCFM | 29.07% |
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 Turnover0.11
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 | 1.12 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 38.99% | ||
| Current Ratio | 0.42 | ||
| Quick Ratio | 0.42 | ||
| Altman-Z | 10.24 |
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)-12.47%
EPS 3Y-21.67%
EPS 5Y9.22%
EPS Q2Q%-72.43%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-31.3%
Revenue growth 3Y10.71%
Revenue growth 5Y12.57%
Sales Q2Q%-71.72%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-28.69%
EBIT growth 3Y11.94%
EBIT growth 5Y15.18%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-4.87%
FCF growth 3Y1.03%
FCF growth 5Y-2.92%
OCF growth 1Y-4.87%
OCF growth 3Y1.03%
OCF growth 5Y-2.92%