HOME POINT CAPITAL INC (HMPT) Fundamental Analysis & Valuation

NASDAQ:HMPT • US43734L1061

Current stock price

2.32 USD
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This HMPT fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

1

1. HMPT Profitability Analysis

1.1 Basic Checks

  • HMPT had negative earnings in the past year.
  • In the past year HMPT had a positive cash flow from operations.
HMPT Yearly Net Income VS EBIT VS OCF VS FCFHMPT Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2018 2019 2020 2021 2022 0 2B -2B

1.2 Ratios

  • The profitability ratios for HMPT are negative, so there is not much use analyzing them.
Industry RankSector Rank
ROA N/A
ROE N/A
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
HMPT Yearly ROA, ROE, ROICHMPT Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2018 2019 2020 2021 2022 0 20 -20 40 60

1.3 Margins

  • HMPT has a Gross Margin of 56.92%. This is in the better half of the industry: HMPT outperforms 78.72% of its industry peers.
  • In the last couple of years the Gross Margin of HMPT has declined.
  • The Profit Margin and Operating Margin are not available for HMPT so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM 56.92%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-6.61%
GM growth 5YN/A
HMPT Yearly Profit, Operating, Gross MarginsHMPT Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2018 2019 2020 2021 2022 0 20 -20 40 60 80

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5

2. HMPT Health Analysis

2.1 Basic Checks

  • HMPT does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for HMPT has been reduced compared to 1 year ago.
  • HMPT has a better debt/assets ratio than last year.
HMPT Yearly Shares OutstandingHMPT Yearly Shares OutstandingYearly Shares Outstanding 2018 2019 2020 2021 2022 20M 40M 60M 80M 100M
HMPT Yearly Total Debt VS Total AssetsHMPT Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2018 2019 2020 2021 2022 2B 4B 6B

2.2 Solvency

  • Based on the Altman-Z score of 0.16, we must say that HMPT is in the distress zone and has some risk of bankruptcy.
  • Looking at the Altman-Z score, with a value of 0.16, HMPT is doing worse than 62.77% of the companies in the same industry.
  • HMPT has a debt to FCF ratio of 0.73. This is a very positive value and a sign of high solvency as it would only need 0.73 years to pay back of all of its debts.
  • The Debt to FCF ratio of HMPT (0.73) is better than 89.36% of its industry peers.
  • HMPT has a Debt/Equity ratio of 2.77. This is a high value indicating a heavy dependency on external financing.
  • With a Debt to Equity ratio value of 2.77, HMPT is not doing good in the industry: 84.04% of the companies in the same industry are doing better.
  • Even though the debt/equity ratio score it not favorable for HMPT, it has very limited outstanding debt, so we won't put too much weight on the DE evaluation.
Industry RankSector Rank
Debt/Equity 2.77
Debt/FCF 0.73
Altman-Z 0.16
ROIC/WACCN/A
WACC3.25%
HMPT Yearly LT Debt VS Equity VS FCFHMPT Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2018 2019 2020 2021 2022 0 2B -2B

2.3 Liquidity

  • A Current Ratio of 1.53 indicates that HMPT should not have too much problems paying its short term obligations.
  • HMPT's Current ratio of 1.53 is fine compared to the rest of the industry. HMPT outperforms 64.89% of its industry peers.
  • HMPT has a Quick Ratio of 1.53. This is a normal value and indicates that HMPT is financially healthy and should not expect problems in meeting its short term obligations.
  • With a decent Quick ratio value of 1.53, HMPT is doing good in the industry, outperforming 67.02% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 1.53
Quick Ratio 1.53
HMPT Yearly Current Assets VS Current LiabilitesHMPT Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2018 2019 2020 2021 2022 1B 2B 3B 4B 5B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. HMPT Growth Analysis

3.1 Past

  • HMPT shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -1166.67%.
  • Looking at the last year, HMPT shows a very negative growth in Revenue. The Revenue has decreased by -62.77% in the last year.
  • HMPT shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 2.62% yearly.
EPS 1Y (TTM)-1166.67%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-1312.5%
Revenue 1Y (TTM)-62.77%
Revenue growth 3Y2.62%
Revenue growth 5YN/A
Sales Q2Q%-58.55%

3.2 Future

  • HMPT is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 35.98% yearly.
  • The Revenue is expected to grow by 9.62% on average over the next years. This is quite good.
EPS Next Y76.04%
EPS Next 2Y43.03%
EPS Next 3Y35.98%
EPS Next 5YN/A
Revenue Next Year-42.42%
Revenue Next 2Y-9.38%
Revenue Next 3Y9.62%
Revenue Next 5YN/A

3.3 Evolution

  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
HMPT Yearly Revenue VS EstimatesHMPT Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B
HMPT Yearly EPS VS EstimatesHMPT Yearly EPS VS EstimatesYearly EPS VS Estimates 2020 2021 2022 2023 2024 2025 0 1 -1 2 3 4

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4

4. HMPT Valuation Analysis

4.1 Price/Earnings Ratio

  • HMPT reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
  • Based on the Price/Forward Earnings ratio of 42.71, the valuation of HMPT can be described as expensive.
  • Based on the Price/Forward Earnings ratio, HMPT is valued a bit more expensive than 72.34% of the companies in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 22.24, HMPT is valued quite expensively.
Industry RankSector Rank
PE N/A
Fwd PE 42.71
HMPT Price Earnings VS Forward Price EarningsHMPT Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 10 20 30 40

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, HMPT is valued cheaply inside the industry as 97.87% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 0.17
EV/EBITDA N/A
HMPT Per share dataHMPT EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 10

4.3 Compensation for Growth

  • HMPT's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • HMPT's earnings are expected to grow with 35.98% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y43.03%
EPS Next 3Y35.98%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

4

5. HMPT Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 6.90%, HMPT is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 1.82, HMPT pays a better dividend. On top of this HMPT pays more dividend than 89.36% of the companies listed in the same industry.
  • HMPT's Dividend Yield is rather good when compared to the S&P500 average which is at 1.81.
Industry RankSector Rank
Dividend Yield 6.9%

5.2 History

  • HMPT does not have a reliable dividend history as it only pays dividend since a couple or years.
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0
HMPT Yearly Dividends per shareHMPT Yearly Dividends per shareYearly Dividends per share 2021 2022 0.05 0.1 0.15

5.3 Sustainability

  • HMPT has negative earnings and hence a negative payout ratio. The dividend may be in danger.
DP-1.8%
EPS Next 2Y43.03%
EPS Next 3Y35.98%
HMPT Yearly Income VS Free CF VS DividendHMPT Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2018 2019 2020 2021 2022 0 2B -2B

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HMPT Fundamentals: All Metrics, Ratios and Statistics

HOME POINT CAPITAL INC

NASDAQ:HMPT (7/31/2023, 8:00:01 PM)

2.32

0 (0%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)08-09
Earnings (Next)11-08
Inst Owners0.02%
Inst Owner Change0%
Ins Owners0.47%
Ins Owner Change0%
Market Cap321.25M
Revenue(TTM)363.69M
Net Income(TTM)-309.07M
Analysts50.91
Price Target2.12 (-8.62%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 6.9%
Yearly Dividend0.08
Dividend Growth(5Y)N/A
DP-1.8%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-444.72%
Min EPS beat(2)-859.33%
Max EPS beat(2)-30.11%
EPS beat(4)0
Avg EPS beat(4)-417.72%
Min EPS beat(4)-859.33%
Max EPS beat(4)-30.11%
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)2
Avg Revenue beat(2)78.31%
Min Revenue beat(2)55.97%
Max Revenue beat(2)100.65%
Revenue beat(4)4
Avg Revenue beat(4)44.91%
Min Revenue beat(4)11.46%
Max Revenue beat(4)100.65%
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)9.12%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-14.24%
EPS NY rev (1m)-30.76%
EPS NY rev (3m)-30.76%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-7.5%
Revenue NY rev (1m)-10.88%
Revenue NY rev (3m)-10.88%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 42.71
P/S 0.88
P/FCF 0.17
P/OCF 0.17
P/B 0.68
P/tB 0.68
EV/EBITDA N/A
EPS(TTM)-2.24
EYN/A
EPS(NY)0.05
Fwd EY2.34%
FCF(TTM)13.71
FCFY591.06%
OCF(TTM)13.7
OCFY590.71%
SpS2.63
BVpS3.4
TBVpS3.4
PEG (NY)N/A
PEG (5Y)N/A
Graham Number0 (-100%)
Profitability
Industry RankSector Rank
ROA N/A
ROE N/A
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM 56.92%
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 3YN/A
PM growth 5YN/A
GM growth 3Y-6.61%
GM growth 5YN/A
F-Score4
Asset Turnover0.17
Health
Industry RankSector Rank
Debt/Equity 2.77
Debt/FCF 0.73
Debt/EBITDA N/A
Cap/Depr 9.26%
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 1.53
Quick Ratio 1.53
Altman-Z 0.16
F-Score4
WACC3.25%
ROIC/WACCN/A
Cap/Depr(3y)122.93%
Cap/Depr(5y)102.17%
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)-1166.67%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-1312.5%
EPS Next Y76.04%
EPS Next 2Y43.03%
EPS Next 3Y35.98%
EPS Next 5YN/A
Revenue 1Y (TTM)-62.77%
Revenue growth 3Y2.62%
Revenue growth 5YN/A
Sales Q2Q%-58.55%
Revenue Next Year-42.42%
Revenue Next 2Y-9.38%
Revenue Next 3Y9.62%
Revenue Next 5YN/A
EBIT growth 1Y-164.18%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year111.61%
EBIT Next 3Y39.06%
EBIT Next 5YN/A
FCF growth 1Y254.41%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y255.11%
OCF growth 3YN/A
OCF growth 5YN/A

HOME POINT CAPITAL INC / HMPT Fundamental Analysis FAQ

What is the fundamental rating for HMPT stock?

ChartMill assigns a fundamental rating of 3 / 10 to HMPT.


Can you provide the valuation status for HOME POINT CAPITAL INC?

ChartMill assigns a valuation rating of 4 / 10 to HOME POINT CAPITAL INC (HMPT). This can be considered as Fairly Valued.


Can you provide the profitability details for HOME POINT CAPITAL INC?

HOME POINT CAPITAL INC (HMPT) has a profitability rating of 1 / 10.


What is the expected EPS growth for HOME POINT CAPITAL INC (HMPT) stock?

The Earnings per Share (EPS) of HOME POINT CAPITAL INC (HMPT) is expected to grow by 76.04% in the next year.