2.32 USD
0 (0%)
Overall HMPT gets a fundamental rating of 3 out of 10. We evaluated HMPT against 98 industry peers in the Financial Services industry. The financial health of HMPT is average, but there are quite some concerns on its profitability. HMPT is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
- HMPT had negative earnings in the past year.
- In the past year HMPT had a positive cash flow from operations.
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
- 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.
- HMPT does not have Profit Margin and Operating Margin available, so we won't be analyzing them here.
| 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.
- The debt/assets ratio for HMPT has been reduced compared to a year ago.
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.
- 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.
- 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.
- HMPT's Debt to FCF ratio of 0.73 is amongst the best of the industry. HMPT outperforms 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.
- 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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.77 | ||
| Debt/FCF | 0.73 | ||
| Altman-Z | 0.16 |
ROIC/WACCN/A
WACC3.25%
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.
- The Current ratio of HMPT (1.53) is better than 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.
- HMPT's Quick ratio of 1.53 is fine compared to the rest of the industry. HMPT outperforms 67.02% of its industry peers.
| 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%.
- 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
- The Earnings Per Share is expected to grow by 35.98% on average over the next years. This is a very strong growth
- Based on estimates for the next years, HMPT will show a quite strong growth in Revenue. The Revenue will grow by 9.62% on average per year.
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.
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.
- 72.34% of the companies in the same industry are cheaper than HMPT, based on the Price/Forward Earnings ratio.
- When comparing the Price/Forward Earnings ratio of HMPT to the average of the S&P500 Index (24.26), we can say HMPT is valued expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 42.71 |
4.2 Price Multiples
- 97.87% of the companies in the same industry are more expensive than HMPT, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 0.17 | ||
| EV/EBITDA | N/A |
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%
5. Dividend
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 2.23, 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 1.87.
| Industry Rank | Sector 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
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)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
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.
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.
How profitable is HOME POINT CAPITAL INC (HMPT) stock?
HOME POINT CAPITAL INC (HMPT) has a profitability rating of 1 / 10.
How financially healthy is HOME POINT CAPITAL INC?
The financial health rating of HOME POINT CAPITAL INC (HMPT) is 5 / 10.
What is the earnings growth outlook for HOME POINT CAPITAL INC?
The Earnings per Share (EPS) of HOME POINT CAPITAL INC (HMPT) is expected to grow by 76.04% in the next year.