HOME POINT CAPITAL INC (HMPT) Stock Fundamental Analysis
USA - NASDAQ:HMPT - US43734L1061 - Common Stock
2.32 USD
0 (0%)
HMPT gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 97 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.
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.
1.2 Ratios
HMPT has negative profitability rations, so we won't be analyzing them here.
| Industry Rank | Sector 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
1.3 Margins
The Gross Margin of HMPT (56.92%) is better than 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 Rank | Sector 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
2. Health
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.
Compared to 1 year ago, HMPT has an improved debt to assets ratio.
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.
With a Altman-Z score value of 0.16, HMPT is not doing good in the industry: 62.77% of the companies in the same industry are doing better.
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.
A Debt/Equity ratio of 2.77 is on the high side and indicates that HMPT has dependencies on debt financing.
HMPT's Debt to Equity ratio of 2.77 is on the low side compared to the rest of the industry. HMPT is outperformed by 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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.77 | ||
| Debt/FCF | 0.73 | ||
| Altman-Z | 0.16 |
ROIC/WACCN/A
WACC3.25%
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 Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.53 | ||
| Quick Ratio | 1.53 |
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
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
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
HMPT reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
HMPT is valuated quite expensively with a Price/Forward Earnings ratio of 42.71.
Based on the Price/Forward Earnings ratio, HMPT is valued a bit more expensive than the industry average as 72.34% of the companies are valued more cheaply.
Compared to an average S&P500 Price/Forward Earnings ratio of 32.73, HMPT is valued a bit more expensive.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 42.71 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of HMPT indicates a rather cheap valuation: HMPT is cheaper than 97.87% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 0.17 | ||
| EV/EBITDA | N/A |
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%
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 4.50. HMPT pays more dividend than 89.36% of the companies in the same industry.
HMPT's Dividend Yield is rather good when compared to the S&P500 average which is at 2.37.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.9% |
5.2 History
HMPT is new to the dividend game and has less than 3 years of track record.
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
The earnings of HMPT are negative and hence is the payout ratio. HMPT will probably not be able to sustain this dividend level.
DP-1.8%
EPS Next 2Y43.03%
EPS Next 3Y35.98%
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)
Earnings (Next)
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 Rank | Sector 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 Rank | Sector 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 NumberN/A
Profitability
| Industry Rank | Sector 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 Rank | Sector 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 FAQ
What is the fundamental rating for HMPT stock?
ChartMill assigns a fundamental rating of 3 / 10 to HMPT.
What is the valuation status for HMPT stock?
ChartMill assigns a valuation rating of 4 / 10 to HOME POINT CAPITAL INC (HMPT). This can be considered as Fairly Valued.
How profitable is HOME POINT CAPITAL INC (HMPT) stock?
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.
Can you provide the dividend sustainability for HMPT stock?
The dividend rating of HOME POINT CAPITAL INC (HMPT) is 4 / 10 and the dividend payout ratio is -1.8%.