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HOME POINT CAPITAL INC (HMPT) Stock Fundamental Analysis

NASDAQ:HMPT - Nasdaq - US43734L1061 - Common Stock - Currency: USD

2.32  0 (0%)

Fundamental Rating

3

Overall HMPT gets a fundamental rating of 3 out of 10. We evaluated HMPT against 100 industry peers in the Financial Services industry. The financial health of HMPT is average, but there are quite some concerns on its profitability. HMPT has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

In the past year HMPT has reported negative net income.
HMPT had a positive operating cash flow in the past year.
The reported net income has been mixed in the past 5 years: HMPT reported negative net income in multiple years.
In multiple years HMPT reported negative operating cash flow during the last 5 years.
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's Gross Margin of 56.92% is fine compared to the rest of the industry. HMPT outperforms 78.72% of its industry peers.
HMPT's Gross Margin has declined in the last couple of years.
HMPT does not have Profit Margin and Operating Margin available, so we won't be analyzing them here.
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. Health

2.1 Basic Checks

HMPT does not have a ROIC to compare to the WACC, probably because it is not profitable.
HMPT has less shares outstanding than it did 1 year ago.
Compared to 1 year ago, HMPT has an improved debt to assets ratio.
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

HMPT has an Altman-Z score of 0.16. This is a bad value and indicates that HMPT is not financially healthy and even has some risk of bankruptcy.
HMPT has a Altman-Z score of 0.16. This is in the lower half of the industry: HMPT underperforms 62.77% of its industry peers.
The Debt to FCF ratio of HMPT is 0.73, which is an excellent value as it means it would take HMPT, only 0.73 years of fcf income to pay off all of its debts.
With an excellent Debt to FCF ratio value of 0.73, HMPT belongs to the best of the industry, outperforming 89.36% of the companies in the same industry.
HMPT has a Debt/Equity ratio of 2.77. This is a high value indicating a heavy dependency on external financing.
HMPT has a worse Debt to Equity ratio (2.77) than 84.04% of its industry peers.
Although HMPT does not score too well on debt/equity it has very limited outstanding debt, which is well covered by the FCF. We will not put too much weight on the debt/equity number as it may be because of low equity, which could be a consequence of a share buyback program for instance. This needs to be investigated.
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

HMPT has a Current 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.
HMPT's Current ratio of 1.53 is fine compared to the rest of the industry. HMPT outperforms 64.89% of its industry peers.
A Quick Ratio of 1.53 indicates that HMPT should not have too much problems paying 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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4

3. Growth

3.1 Past

HMPT shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -1166.67%.
HMPT shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -62.77%.
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

Based on estimates for the next years, HMPT will show a very strong growth in Earnings Per Share. The EPS will grow by 35.98% on average per year.
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

The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
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. Valuation

4.1 Price/Earnings Ratio

HMPT reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
The Price/Forward Earnings ratio is 42.71, which means the current valuation is very expensive for HMPT.
Based on the Price/Forward Earnings ratio, HMPT is valued a bit more expensive than 72.34% of the companies in the same industry.
HMPT's Price/Forward Earnings ratio indicates a valuation a bit more expensive than the S&P500 average which is at 35.58.
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

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

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4

5. Dividend

5.1 Amount

HMPT has a Yearly Dividend Yield of 6.90%, which is a nice return.
HMPT's Dividend Yield is rather good when compared to the industry average which is at 4.86. HMPT pays more dividend than 89.36% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.35, HMPT pays a better dividend.
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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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 2023-08-09/bmo
Earnings (Next)11-08 2023-11-08/bmo
Inst Owners0.02%
Inst Owner Change0%
Ins Owners0.47%
Ins Owner Change0%
Market Cap321.25M
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
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
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 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