FIC Fundamental Analysis - FIRST CAPITAL SPA

Fundamental Rating

We assign a fundamental rating of 1 out of 10 to FIC. FIC was compared to 109 industry peers in the Capital Markets industry. FIC may be in some trouble as it scores bad on both profitability and health. FIC does not seem to be growing, but still is valued expensively.

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1. Profitability

1.1 Basic Checks

FIC had negative earnings in the past year.

FIC had a negative operating cash flow in the past year.

The reported net income has been mixed in the past 5 years: FIC reported negative net income in multiple years.

In multiple years FIC reported negative operating cash flow during the last 5 years.

1.2 Ratios

The Return On Assets of FIC (-0.60%) is worse than 60.55% of its industry peers.

With a Return On Equity value of -0.84%, FIC perfoms like the industry average, outperforming 41.28% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	-0.6%
ROE	-0.84%
ROIC	N/A

ROA(3y)-1.96%

ROA(5y)4.77%

ROE(3y)-2.98%

ROE(5y)7.19%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

The Profit Margin and Operating Margin and Gross Margin are not available for FIC so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	N/A
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3YN/A

PM growth 5YN/A

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

FIC has about the same amout of shares outstanding than it did 1 year ago.

The number of shares outstanding for FIC has been increased compared to 5 years ago.

The debt/assets ratio for FIC has been reduced compared to a year ago.

2.2 Solvency

A Debt/Equity ratio of 0.34 indicates that FIC is not too dependend on debt financing.

With a decent Debt to Equity ratio value of 0.34, FIC is doing good in the industry, outperforming 61.47% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	0.34
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACCN/A

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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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

The earnings per share for FIC have decreased strongly by -133.42% in the last year.

Looking at the last year, FIC shows a very negative growth in Revenue. The Revenue has decreased by -38.30% in the last year.

Measured over the past years, FIC shows a very negative growth in Revenue. The Revenue has been decreasing by -22.60% on average per year.

EPS 1Y (TTM)-133.42%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%-9.33%

Revenue 1Y (TTM)-38.3%

Revenue growth 3Y-48.43%

Revenue growth 5Y-22.6%

Sales Q2Q%-1.94%

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

FIC reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.

		Industry Rank	Sector Rank
PE	N/A
Fwd PE	N/A

4.2 Price Multiples

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

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)N/A

EPS Next 2YN/A

EPS Next 3YN/A

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5. Dividend

5.1 Amount

FIC has a Yearly Dividend Yield of 1.84%.

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

FIC's Dividend Yield is slightly below the S&P500 average, which is at 2.46.

		Industry Rank	Sector Rank
Dividend Yield	1.84%

5.2 History

The dividend of FIC decreases each year by -21.56%.

Dividend Growth(5Y)-21.56%

Div Incr Years0

Div Non Decr Years0

5.3 Sustainability

The earnings of FIC are negative and hence is the payout ratio. FIC will probably not be able to sustain this dividend level.

DP-50.94%

EPS Next 2YN/A

EPS Next 3YN/A

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FIRST CAPITAL SPA

BIT:FIC (9/1/2025, 7:00:00 PM)

19.3

+1.2 (+6.63%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupFinancial Services

GICS IndustryCapital Markets

Earnings (Last)N/A N/A

Earnings (Next)N/A N/A

Inst Owners1.64%

Inst Owner ChangeN/A

Ins OwnersN/A

Ins Owner ChangeN/A

Market Cap58.09M

Analysts83.33

Price Target29.22 (51.4%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	1.84%

Yearly Dividend0.11

Dividend Growth(5Y)-21.56%

DP-50.94%

Div Incr Years0

Div Non Decr Years0

Ex-DateN/A

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)0%

PT rev (3m)1.42%

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	N/A
Fwd PE	N/A
P/S	13.78
P/FCF	N/A
P/OCF	N/A
P/B	0.75
P/tB	0.76
EV/EBITDA	N/A

EPS(TTM)-0.29

EYN/A

EPS(NY)N/A

Fwd EYN/A

FCF(TTM)-3.93

FCFYN/A

OCF(TTM)-3.2

OCFYN/A

SpS1.4

BVpS25.83

TBVpS25.38

PEG (NY)N/A

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	-0.6%
ROE	-0.84%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	N/A
GM	N/A
FCFM	N/A

ROA(3y)-1.96%

ROA(5y)4.77%

ROE(3y)-2.98%

ROE(5y)7.19%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3YN/A

PM growth 5YN/A

GM growth 3YN/A

GM growth 5YN/A

F-Score2

Asset Turnover0.04

Health

		Industry Rank	Sector Rank
Debt/Equity	0.34
Debt/FCF	N/A
Debt/EBITDA	N/A
Cap/Depr	1179.72%
Cap/Sales	52.18%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	N/A
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score2

WACCN/A

ROIC/WACCN/A

Cap/Depr(3y)528.17%

Cap/Depr(5y)322.43%

Cap/Sales(3y)19.72%

Cap/Sales(5y)11.87%

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)-133.42%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%-9.33%

EPS Next YN/A

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)-38.3%

Revenue growth 3Y-48.43%

Revenue growth 5Y-22.6%

Sales Q2Q%-1.94%

Revenue Next YearN/A

Revenue Next 2YN/A

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y-181.14%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-164.03%

OCF growth 3YN/A

OCF growth 5YN/A

FIRST CAPITAL SPA (FIC.MI) 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

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens