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HOME POINT CAPITAL INC (HMPT) Stock Fundamental Analysis

USA - Nasdaq - NASDAQ:HMPT - US43734L1061 - Common Stock

2.32 USD
0 (0%)
Last: 7/31/2023, 8:00:01 PM
Fundamental Rating

3

Taking everything into account, HMPT scores 3 out of 10 in our fundamental rating. HMPT was compared to 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 correct valuation and a medium growth rate.


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.
In the past year HMPT had a positive cash flow from operations.
In multiple years HMPT reported negative net income over the last 5 years.
The reported operating cash flow has been mixed in the past 5 years: HMPT reported negative operating cash flow in multiple 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

HMPT has negative profitability rations, so we won't be analyzing them here.
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

Looking at the Gross Margin, with a value of 56.92%, HMPT is in the better half of the industry, outperforming 78.72% of the companies in the same industry.
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 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.
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.
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.
The Altman-Z score of HMPT (0.16) is worse than 62.77% of its industry peers.
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 has a Debt to FCF ratio of 0.73. This is amongst the best in 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.
Looking at the Debt to Equity ratio, with a value of 2.77, HMPT is doing worse than 84.04% of the companies in the same industry.
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

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.
With a decent Current ratio value of 1.53, HMPT is doing good in the industry, outperforming 64.89% of the companies in the same industry.
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 has a Quick ratio of 1.53. This is in the better half of the industry: HMPT outperforms 67.02% of its industry peers.
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

The earnings per share for HMPT have decreased strongly by -1166.67% in the last year.
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
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

The Price/Earnings Ratio is negative for HMPT. In the last year negative earnings were reported.
With a Price/Forward Earnings ratio of 42.71, HMPT can be considered very expensive at the moment.
Compared to the rest of the industry, the Price/Forward Earnings ratio of HMPT indicates a slightly more expensive valuation: HMPT is more expensive than 72.34% of the companies listed in the same industry.
HMPT is valuated expensively when we compare the Price/Forward Earnings ratio to 23.83, which is the current average of the S&P500 Index.
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

97.87% of the companies in the same industry are more expensive than HMPT, based on the Price/Free Cash Flow ratio.
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.
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.
Compared to an average industry Dividend Yield of 2.16, HMPT pays a better dividend. On top of this HMPT pays more dividend than 89.36% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 1.87, 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
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 NumberN/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
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 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%.