FDI Fundamental Analysis - FINDEV INC

Fundamental Rating

Taking everything into account, FDI scores 5 out of 10 in our fundamental rating. FDI was compared to 29 industry peers in the Financial Services industry. FDI has an excellent profitability rating, but there are some minor concerns on its financial health. FDI has a valuation in line with the averages, but it does not seem to be growing.

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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 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.

Looking at the Return On Equity, with a value of 8.36%, FDI is in the better half of the industry, outperforming 65.52% of the companies in the same industry.

The Return On Invested Capital of FDI (7.42%) is better than 89.66% of its industry peers.

Measured over the past 3 years, the Average Return On Invested Capital for FDI is above the industry average of 5.71%.

		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 better Profit Margin (74.55%) than 96.55% of its industry peers.

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

FDI has a Operating Margin of 91.40%. This is amongst the best in the industry. FDI outperforms 100.00% of its industry peers.

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

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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 10.63 indicates that FDI is not in any danger for bankruptcy at the moment.

FDI has a better Altman-Z score (10.63) than 79.31% of its industry peers.

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	10.63

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.

FDI's Current ratio of 0.42 is fine compared to the rest of the industry. FDI outperforms 62.07% of its industry peers.

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.

FDI has a Quick ratio of 0.42. This is in the better half of the industry: FDI outperforms 62.07% of its industry peers.

		Industry Rank	Sector Rank
Current Ratio	0.42
Quick Ratio	0.42

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

The earnings per share for FDI have decreased strongly by -12.47% in the last year.

The Earnings Per Share has been growing by 9.22% on average over the past years. This is quite good.

Looking at the last year, FDI shows a very negative growth in Revenue. The Revenue has decreased by -31.30% in the last year.

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)-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.

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 5.63, the valuation of FDI can be described as very cheap.

100.00% of the companies in the same industry are more expensive than FDI, based on the Price/Earnings ratio.

FDI's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.48.

		Industry Rank	Sector Rank
PE	5.63
Fwd PE	N/A

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, FDI is valued cheaply inside the industry as 89.66% of the companies are valued more expensively.

		Industry Rank	Sector Rank
P/FCF	14.95
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)0.61

EPS Next 2YN/A

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 7.14%, FDI is a good candidate for dividend investing.

Compared to an average industry Dividend Yield of 6.20, FDI has a dividend in line with its industry peers.

Compared to an average S&P500 Dividend Yield of 2.40, FDI pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	7.14%

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 Years8

5.3 Sustainability

FDI pays out 38.85% of its income as dividend. This is a sustainable payout ratio.

DP38.85%

EPS Next 2YN/A

EPS Next 3YN/A

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FINDEV INC

TSX-V:FDI (8/8/2025, 7:00:00 PM)

0.45

+0.02 (+3.45%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupFinancial Services

GICS IndustryFinancial Services

Earnings (Last)05-23 2025-05-23

Earnings (Next)08-26 2025-08-26

Inst Owners0.06%

Inst Owner ChangeN/A

Ins Owners2.72%

Ins Owner ChangeN/A

Market Cap12.89M

Analysts0

Price TargetN/A

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	7.14%

Yearly Dividend0.03

Dividend Growth(5Y)0%

DP38.85%

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	5.63
Fwd PE	N/A
P/S	4.34
P/FCF	14.95
P/OCF	14.95
P/B	0.49
P/tB	0.49
EV/EBITDA	N/A

EPS(TTM)0.08

EY17.78%

EPS(NY)N/A

Fwd EYN/A

FCF(TTM)0.03

FCFY6.69%

OCF(TTM)0.03

OCFY6.69%

SpS0.1

BVpS0.92

TBVpS0.92

PEG (NY)N/A

PEG (5Y)0.61

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	10.63

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%

FINDEV INC (FDI.CA) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

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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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