HRZN Fundamental Analysis - HORIZON TECHNOLOGY FINANCE C

Fundamental Rating

Overall HRZN gets a fundamental rating of 2 out of 10. We evaluated HRZN against 238 industry peers in the Capital Markets industry. Both the profitability and financial health of HRZN have multiple concerns. HRZN has a valuation in line with the averages, but on the other hand it scores bad on growth.

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1. Profitability

1.1 Basic Checks

HRZN had positive earnings in the past year.

HRZN had a negative operating cash flow in the past year.

The reported net income has been mixed in the past 5 years: HRZN reported negative net income in multiple years.

In the past 5 years HRZN reported 4 times negative operating cash flow.

1.2 Ratios

The Return On Assets of HRZN (-6.52%) is worse than 83.19% of its industry peers.

HRZN has a Return On Equity of -16.69%. This is in the lower half of the industry: HRZN underperforms 79.41% of its industry peers.

		Industry Rank	Sector Rank
ROA	-6.52%
ROE	-16.69%
ROIC	N/A

ROA(3y)-0.02%

ROA(5y)1.38%

ROE(3y)-0.11%

ROE(5y)2.8%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

The Profit Margin and Operating Margin and Gross Margin are not available for HRZN so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	N/A
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3YN/A

PM growth 5YN/A

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

HRZN has more shares outstanding than it did 1 year ago.

Compared to 5 years ago, HRZN has more shares outstanding

The debt/assets ratio for HRZN has been reduced compared to a year ago.

2.2 Solvency

HRZN has an Altman-Z score of -0.36. This is a bad value and indicates that HRZN is not financially healthy and even has some risk of bankruptcy.

HRZN has a Altman-Z score of -0.36. This is in the lower half of the industry: HRZN underperforms 77.31% of its industry peers.

HRZN has a Debt/Equity ratio of 1.08. This is a high value indicating a heavy dependency on external financing.

The Debt to Equity ratio of HRZN (1.08) is comparable to the rest of the industry.

		Industry Rank	Sector Rank
Debt/Equity	1.08
Debt/FCF	N/A
Altman-Z	-0.36

ROIC/WACCN/A

WACCN/A

2.3 Liquidity

HRZN has a Current Ratio of 0.67. This is a bad value and indicates that HRZN is not financially healthy enough and could expect problems in meeting its short term obligations.

With a Current ratio value of 0.67, HRZN is not doing good in the industry: 68.07% of the companies in the same industry are doing better.

HRZN has a Quick Ratio of 0.67. This is a bad value and indicates that HRZN is not financially healthy enough and could expect problems in meeting its short term obligations.

Looking at the Quick ratio, with a value of 0.67, HRZN is doing worse than 67.65% of the companies in the same industry.

		Industry Rank	Sector Rank
Current Ratio	0.67
Quick Ratio	0.67

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

HRZN shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -33.72%.

HRZN shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -2.38% yearly.

Looking at the last year, HRZN shows a very negative growth in Revenue. The Revenue has decreased by -78.34% in the last year.

The Revenue has been growing slightly by 1.98% on average over the past years.

EPS 1Y (TTM)-33.72%

EPS 3Y-1.7%

EPS 5Y-2.38%

EPS Q2Q%-22.22%

Revenue 1Y (TTM)-78.34%

Revenue growth 3Y-8.13%

Revenue growth 5Y1.98%

Sales Q2Q%-4.51%

3.2 Future

HRZN is expected to show a very negative growth in Earnings Per Share. In the coming years, the EPS will decrease by -11.30% yearly.

The Revenue is expected to grow by 0.36% on average over the next years.

EPS Next Y-16.28%

EPS Next 2Y-11.38%

EPS Next 3Y-11.3%

EPS Next 5YN/A

Revenue Next Year-3.54%

Revenue Next 2Y2.96%

Revenue Next 3Y0.36%

Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.

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4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 6.05, the valuation of HRZN can be described as very cheap.

Compared to the rest of the industry, the Price/Earnings ratio of HRZN indicates a rather cheap valuation: HRZN is cheaper than 92.86% of the companies listed in the same industry.

Compared to an average S&P500 Price/Earnings ratio of 27.08, HRZN is valued rather cheaply.

HRZN is valuated cheaply with a Price/Forward Earnings ratio of 6.61.

Based on the Price/Forward Earnings ratio, HRZN is valued cheaply inside the industry as 93.70% of the companies are valued more expensively.

When comparing the Price/Forward Earnings ratio of HRZN to the average of the S&P500 Index (22.67), we can say HRZN is valued rather cheaply.

		Industry Rank	Sector Rank
PE	6.05
Fwd PE	6.61

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

4.3 Compensation for Growth

A cheap valuation may be justified as HRZN's earnings are expected to decrease with -11.30% in the coming years.

PEG (NY)N/A

PEG (5Y)N/A

EPS Next 2Y-11.38%

EPS Next 3Y-11.3%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 11.74%, HRZN is a good candidate for dividend investing.

HRZN's Dividend Yield is a higher than the industry average which is at 7.99.

HRZN's Dividend Yield is rather good when compared to the S&P500 average which is at 2.34.

		Industry Rank	Sector Rank
Dividend Yield	11.74%

5.2 History

The dividend of HRZN has a limited annual growth rate of 1.93%.

HRZN has paid a dividend for at least 10 years, which is a reliable track record.

Dividend Growth(5Y)1.93%

Div Incr Years0

Div Non Decr Years0

5.3 Sustainability

HRZN has negative earnings and hence a negative payout ratio. The dividend may be in danger.

DP-103.55%

EPS Next 2Y-11.38%

EPS Next 3Y-11.3%

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HORIZON TECHNOLOGY FINANCE C

NASDAQ:HRZN (8/26/2025, 8:00:01 PM)

After market: 6.9 0 (0%)

6.9

+0.01 (+0.15%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupFinancial Services

GICS IndustryCapital Markets

Earnings (Last)08-07 2025-08-07/amc

Earnings (Next)10-27 2025-10-27/amc

Inst Owners8.05%

Inst Owner Change-17.2%

Ins Owners1.3%

Ins Owner Change0%

Market Cap293.60M

Analysts49.23

Price Target7.06 (2.32%)

Short Float %3.39%

Short Ratio2.45

Dividend

		Industry Rank	Sector Rank
Dividend Yield	11.74%

Yearly Dividend1.27

Dividend Growth(5Y)1.93%

DP-103.55%

Div Incr Years0

Div Non Decr Years0

Ex-Date11-17 2025-11-17 (0.11)

Surprises & Revisions

EPS beat(2)0

Avg EPS beat(2)-10.02%

Min EPS beat(2)-18.73%

Max EPS beat(2)-1.3%

EPS beat(4)0

Avg EPS beat(4)-11.83%

Min EPS beat(4)-18.73%

Max EPS beat(4)-1.3%

EPS beat(8)1

Avg EPS beat(8)-3.33%

EPS beat(12)5

Avg EPS beat(12)3.04%

EPS beat(16)8

Avg EPS beat(16)3.05%

Revenue beat(2)0

Avg Revenue beat(2)-5.75%

Min Revenue beat(2)-9.48%

Max Revenue beat(2)-2.03%

Revenue beat(4)0

Avg Revenue beat(4)-6.79%

Min Revenue beat(4)-10.13%

Max Revenue beat(4)-2.03%

Revenue beat(8)1

Avg Revenue beat(8)-3.8%

Revenue beat(12)3

Avg Revenue beat(12)-4.95%

Revenue beat(16)5

Avg Revenue beat(16)-3.41%

PT rev (1m)-5.99%

PT rev (3m)-9.92%

EPS NQ rev (1m)-3.1%

EPS NQ rev (3m)-11.35%

EPS NY rev (1m)-2.4%

EPS NY rev (3m)-5.4%

Revenue NQ rev (1m)-1.36%

Revenue NQ rev (3m)-11.53%

Revenue NY rev (1m)-0.9%

Revenue NY rev (3m)-2.23%

Valuation

		Industry Rank	Sector Rank
PE	6.05
Fwd PE	6.61
P/S	47.96
P/FCF	N/A
P/OCF	N/A
P/B	1.03
P/tB	1.03
EV/EBITDA	N/A

EPS(TTM)1.14

EY16.52%

EPS(NY)1.04

Fwd EY15.14%

FCF(TTM)-0.42

FCFYN/A

OCF(TTM)-0.42

OCFYN/A

SpS0.14

BVpS6.67

TBVpS6.67

PEG (NY)N/A

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	-6.52%
ROE	-16.69%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	N/A
GM	N/A
FCFM	N/A

ROA(3y)-0.02%

ROA(5y)1.38%

ROE(3y)-0.11%

ROE(5y)2.8%

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 3YN/A

GM growth 5YN/A

F-Score2

Asset Turnover0.01

Health

		Industry Rank	Sector Rank
Debt/Equity	1.08
Debt/FCF	N/A
Debt/EBITDA	N/A
Cap/Depr	N/A
Cap/Sales	N/A
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	N/A
Current Ratio	0.67
Quick Ratio	0.67
Altman-Z	-0.36

F-Score2

WACCN/A

ROIC/WACCN/A

Cap/Depr(3y)N/A

Cap/Depr(5y)N/A

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)-33.72%

EPS 3Y-1.7%

EPS 5Y-2.38%

EPS Q2Q%-22.22%

EPS Next Y-16.28%

EPS Next 2Y-11.38%

EPS Next 3Y-11.3%

EPS Next 5YN/A

Revenue 1Y (TTM)-78.34%

Revenue growth 3Y-8.13%

Revenue growth 5Y1.98%

Sales Q2Q%-4.51%

Revenue Next Year-3.54%

Revenue Next 2Y2.96%

Revenue Next 3Y0.36%

Revenue Next 5YN/A

EBIT growth 1Y-113.68%

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y85.99%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y85.99%

OCF growth 3YN/A

OCF growth 5YN/A

HORIZON TECHNOLOGY FINANCE C (HRZN) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens