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HERZFELD CREDIT INCOME FUND (HERZ) Stock Price, Forecast & Analysis

USA - NASDAQ:HERZ - US42804T1060

2.39 USD
+0.04 (+1.7%)
Last: 11/11/2025, 1:51:00 PM
Fundamental Rating

3

Taking everything into account, HERZ scores 3 out of 10 in our fundamental rating. HERZ was compared to 0 industry peers in the Unkown industry. The financial health of HERZ is average, but there are quite some concerns on its profitability. HERZ does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

In the past year HERZ was profitable.
The reported net income has been mixed in the past 5 years: HERZ reported negative net income in multiple years.
In the past 5 years HERZ always reported negative operating cash flow.
HERZ Yearly Net Income VS EBIT VS OCF VS FCFHERZ Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5M -5M 10M -10M 15M

1.2 Ratios

Industry RankSector Rank
ROA 12.6%
ROE 14.16%
ROIC N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
HERZ Yearly ROA, ROE, ROICHERZ Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 -20 40

1.3 Margins

In the last couple of years the Profit Margin of HERZ has declined.
HERZ's Gross Margin has improved in the last couple of years.
Industry RankSector Rank
OM N/A
PM (TTM) 1075.41%
GM 15.44%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-65.47%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5Y30.98%
HERZ Yearly Profit, Operating, Gross MarginsHERZ Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2K 4K

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4

2. Health

2.1 Basic Checks

HERZ has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
HERZ Yearly Shares OutstandingHERZ Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2M 4M 6M
HERZ Yearly Total Debt VS Total AssetsHERZ Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 10M 20M 30M 40M 50M

2.2 Solvency

HERZ has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACCN/A
HERZ Yearly LT Debt VS Equity VS FCFHERZ Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 10M 20M 30M 40M 50M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
HERZ Yearly Current Assets VS Current LiabilitesHERZ Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 1M 2M 3M

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3

3. Growth

3.1 Past

HERZ shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 200.75%, which is quite impressive.
Measured over the past years, HERZ shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -67.60% on average per year.
HERZ shows a strong growth in Revenue. In the last year, the Revenue has grown by 289.69%.
HERZ shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 0.74% yearly.
EPS 1Y (TTM)200.75%
EPS 3Y-67.6%
EPS 5YN/A
EPS Q2Q%-55.94%
Revenue 1Y (TTM)289.69%
Revenue growth 3Y30.91%
Revenue growth 5Y0.74%
Sales Q2Q%34.7%

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.
HERZ Yearly Revenue VS EstimatesHERZ Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2016 2017 2018 2019 2020 2021 2022 2023 2024 200K 400K 600K 800K

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2

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 2.69, the valuation of HERZ can be described as very cheap.
HERZ is valuated cheaply when we compare the Price/Earnings ratio to 26.28, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 2.69
Fwd PE N/A
HERZ Price Earnings VS Forward Price EarningsHERZ Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
HERZ Per share dataHERZ EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 1 2 3

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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4

5. Dividend

5.1 Amount

HERZ has a Yearly Dividend Yield of 28.94%, which is a nice return.
Compared to an average S&P500 Dividend Yield of 2.36, HERZ pays a better dividend.
Industry RankSector Rank
Dividend Yield 28.94%

5.2 History

HERZ has been paying a dividend for over 5 years, so it has already some track record.
Dividend Growth(5Y)N/A
Div Incr YearsN/A
Div Non Decr YearsN/A
HERZ Yearly Dividends per shareHERZ Yearly Dividends per shareYearly Dividends per share 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8

5.3 Sustainability

DPN/A
EPS Next 2YN/A
EPS Next 3YN/A
HERZ Yearly Income VS Free CF VS DividendHERZ Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5M -5M 10M -10M 15M

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HERZFELD CREDIT INCOME FUND

NASDAQ:HERZ (11/11/2025, 1:51:00 PM)

2.39

+0.04 (+1.7%)

Chartmill FA Rating
GICS SectorN/A
GICS IndustryGroupN/A
GICS IndustryN/A
Earnings (Last)N/A N/A
Earnings (Next)N/A N/A
Inst Owners53.57%
Inst Owner ChangeN/A
Ins Owners15.02%
Ins Owner Change-7.86%
Market Cap40.41M
Revenue(TTM)739.80K
Net Income(TTM)7.96M
Analysts85.71
Price TargetN/A
Short Float %0.03%
Short Ratio0.12
Dividend
Industry RankSector Rank
Dividend Yield 28.94%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-Date05-23 2025-05-23 (0.2325)
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 RankSector Rank
PE 2.69
Fwd PE N/A
P/S 54.63
P/FCF N/A
P/OCF N/A
P/B 0.72
P/tB 0.72
EV/EBITDA N/A
EPS(TTM)0.89
EY37.24%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS0.04
BVpS3.32
TBVpS3.32
PEG (NY)N/A
PEG (5Y)N/A
Graham Number8.16
Profitability
Industry RankSector Rank
ROA 12.6%
ROE 14.16%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 1075.41%
GM 15.44%
FCFM N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
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
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-65.47%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5Y30.98%
F-ScoreN/A
Asset Turnover0.01
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
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-ScoreN/A
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)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)200.75%
EPS 3Y-67.6%
EPS 5YN/A
EPS Q2Q%-55.94%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)289.69%
Revenue growth 3Y30.91%
Revenue growth 5Y0.74%
Sales Q2Q%34.7%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y78.4%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1YN/A
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1YN/A
OCF growth 3YN/A
OCF growth 5YN/A

HERZFELD CREDIT INCOME FUND / HERZ FAQ

What does HERZ do?

Herzfeld Credit Income Fund Inc is a US-based company operating in industry. The company is headquartered in Miami Beach, Florida. Herzfeld Credit Income Fund, Inc. (the Fund), formerly The Herzfeld Caribbean Basin Fund, Inc., is a non-diversified, closed-end management investment company. The Fund's investment objective is to obtain long-term capital appreciation. The Fund pursues its objective by investing primarily in equity and equity-linked securities of public and private companies, including the United States based companies, whose securities are traded principally on a stock exchange in a Caribbean Basin Country or that have at least 50% of the value of their assets in a Caribbean Basin Country or that derive at least 50% of their total revenue from operations in a Caribbean Basin Country. The Fund invests at least 80% of its total assets in equity and equity-linked securities of Caribbean Basin Countries. The Fund's investment adviser is HERZFELD/CUBA, a division of Thomas J. Herzfeld Advisors, Inc.


Can you provide the latest stock price for HERZFELD CREDIT INCOME FUND?

The current stock price of HERZ is 2.39 USD. The price increased by 1.7% in the last trading session.


What is the ChartMill technical and fundamental rating of HERZ stock?

HERZ has a ChartMill Technical rating of 2 out of 10 and a ChartMill Fundamental rating of 3 out of 10.


Where is HERZFELD CREDIT INCOME FUND (HERZ) stock traded?

HERZ stock is listed on the Nasdaq exchange.