HRZN Fundamental Analysis - HORIZON TECHNOLOGY FINANCE C

Fundamental Rating

Taking everything into account, HRZN scores 2 out of 10 in our fundamental rating. HRZN was compared to 236 industry peers in the Capital Markets industry. HRZN may be in some trouble as it scores bad on both profitability and health. 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

In the past year HRZN was profitable.

In the past year HRZN has reported a negative cash flow from operations.

In multiple years HRZN reported negative net income over the last 5 years.

HRZN had negative operating cash flow in 4 of the past 5 years.

1.2 Ratios

HRZN's Return On Assets of -4.52% is on the low side compared to the rest of the industry. HRZN is outperformed by 81.78% of its industry peers.

HRZN's Return On Equity of -11.69% is on the low side compared to the rest of the industry. HRZN is outperformed by 80.93% of its industry peers.

		Industry Rank	Sector Rank
ROA	-4.52%
ROE	-11.69%
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

HRZN does not have Profit Margin and Operating Margin and Gross Margin available, so we won't be analyzing them here.

		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

Compared to 1 year ago, HRZN has more shares outstanding

Compared to 5 years ago, HRZN has more shares outstanding

Compared to 1 year ago, HRZN has an improved debt to assets ratio.

2.2 Solvency

Based on the Altman-Z score of -0.18, we must say that HRZN is in the distress zone and has some risk of bankruptcy.

HRZN has a Altman-Z score of -0.18. This is in the lower half of the industry: HRZN underperforms 77.12% of its industry peers.

A Debt/Equity ratio of 1.12 is on the high side and indicates that HRZN has dependencies on debt financing.

Looking at the Debt to Equity ratio, with a value of 1.12, HRZN is in line with its industry, outperforming 44.49% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	1.12
Debt/FCF	N/A
Altman-Z	-0.18

ROIC/WACCN/A

WACCN/A

2.3 Liquidity

A Current Ratio of 0.63 indicates that HRZN may have some problems paying its short term obligations.

The Current ratio of HRZN (0.63) is worse than 69.92% of its industry peers.

HRZN has a Quick Ratio of 0.63. This is a bad value and indicates that HRZN is not financially healthy enough and could expect problems in meeting its short term obligations.

HRZN's Quick ratio of 0.63 is on the low side compared to the rest of the industry. HRZN is outperformed by 69.92% of its industry peers.

		Industry Rank	Sector Rank
Current Ratio	0.63
Quick Ratio	0.63

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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 -35.79%.

Measured over the past years, HRZN shows a decrease in Earnings Per Share. The EPS has been decreasing by -2.38% on average per year.

The Revenue for HRZN has decreased by -54.71% in the past year. This is quite bad

HRZN shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 1.98% yearly.

EPS 1Y (TTM)-35.79%

EPS 3Y-1.7%

EPS 5Y-2.38%

EPS Q2Q%-28.95%

Revenue 1Y (TTM)-54.71%

Revenue growth 3Y-8.13%

Revenue growth 5Y1.98%

Sales Q2Q%-6.17%

3.2 Future

The Earnings Per Share is expected to decrease by -10.02% on average over the next years. This is quite bad

HRZN is expected to show a very negative growth in Revenue. In the coming years, the Revenue will decrease by -13.20% yearly.

EPS Next Y-14.22%

EPS Next 2Y-7.37%

EPS Next 3Y-10.02%

EPS Next 5YN/A

Revenue Next Year-2.66%

Revenue Next 2Y0.82%

Revenue Next 3Y-13.2%

Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.

The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 6.61, the valuation of HRZN can be described as very cheap.

HRZN's Price/Earnings ratio is rather cheap when compared to the industry. HRZN is cheaper than 90.25% of the companies in the same industry.

When comparing the Price/Earnings ratio of HRZN to the average of the S&P500 Index (27.91), we can say HRZN is valued rather cheaply.

The Price/Forward Earnings ratio is 7.07, which indicates a rather cheap valuation of HRZN.

Compared to the rest of the industry, the Price/Forward Earnings ratio of HRZN indicates a rather cheap valuation: HRZN is cheaper than 90.68% of the companies listed in the same industry.

The average S&P500 Price/Forward Earnings ratio is at 37.11. HRZN is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	6.61
Fwd PE	7.07

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 -10.02% in the coming years.

PEG (NY)N/A

PEG (5Y)N/A

EPS Next 2Y-7.37%

EPS Next 3Y-10.02%

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5. Dividend

5.1 Amount

HRZN has a Yearly Dividend Yield of 11.74%, which is a nice return.

Compared to an average industry Dividend Yield of 8.23, HRZN pays a bit more dividend than its industry peers.

Compared to an average S&P500 Dividend Yield of 2.32, HRZN pays a better dividend.

		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-136.37%

EPS Next 2Y-7.37%

EPS Next 3Y-10.02%

More info and screens

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HORIZON TECHNOLOGY FINANCE C

NASDAQ:HRZN (7/30/2025, 4:30:02 PM)

After market: 8.07 0 (0%)

8.07

-0.09 (-1.1%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupFinancial Services

GICS IndustryCapital Markets

Earnings (Last)07-28 2025-07-28/amc

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

Inst Owners8.57%

Inst Owner Change0.74%

Ins Owners1.33%

Ins Owner Change0%

Market Cap325.62M

Analysts49.23

Price Target7.5 (-7.06%)

Short Float %3.09%

Short Ratio2.61

Dividend

		Industry Rank	Sector Rank
Dividend Yield	11.74%

Yearly Dividend1.27

Dividend Growth(5Y)1.93%

DP-136.37%

Div Incr Years0

Div Non Decr Years0

Ex-Date08-18 2025-08-18 (0.11)

Surprises & Revisions

EPS beat(2)0

Avg EPS beat(2)-17.81%

Min EPS beat(2)-18.73%

Max EPS beat(2)-16.89%

EPS beat(4)0

Avg EPS beat(4)-12.07%

Min EPS beat(4)-18.73%

Max EPS beat(4)-2.27%

EPS beat(8)2

Avg EPS beat(8)0.52%

EPS beat(12)6

Avg EPS beat(12)3.29%

EPS beat(16)9

Avg EPS beat(16)3.26%

Revenue beat(2)0

Avg Revenue beat(2)-9.8%

Min Revenue beat(2)-10.13%

Max Revenue beat(2)-9.48%

Revenue beat(4)0

Avg Revenue beat(4)-6.42%

Min Revenue beat(4)-10.13%

Max Revenue beat(4)-0.56%

Revenue beat(8)2

Avg Revenue beat(8)-3.08%

Revenue beat(12)4

Avg Revenue beat(12)-4.58%

Revenue beat(16)6

Avg Revenue beat(16)-2.57%

PT rev (1m)0.98%

PT rev (3m)-16.94%

EPS NQ rev (1m)-0.45%

EPS NQ rev (3m)-14.98%

EPS NY rev (1m)0%

EPS NY rev (3m)-14.52%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)-10.14%

Revenue NY rev (1m)0%

Revenue NY rev (3m)-10.21%

Valuation

		Industry Rank	Sector Rank
PE	6.61
Fwd PE	7.07
P/S	19.52
P/FCF	N/A
P/OCF	N/A
P/B	1.07
P/tB	1.07
EV/EBITDA	N/A

EPS(TTM)1.22

EY15.12%

EPS(NY)1.14

Fwd EY14.14%

FCF(TTM)-0.33

FCFYN/A

OCF(TTM)-0.33

OCFYN/A

SpS0.41

BVpS7.57

TBVpS7.57

PEG (NY)N/A

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	-4.52%
ROE	-11.69%
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 Turnover0.02

Health

		Industry Rank	Sector Rank
Debt/Equity	1.12
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	0.63
Quick Ratio	0.63
Altman-Z	-0.18

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)-35.79%

EPS 3Y-1.7%

EPS 5Y-2.38%

EPS Q2Q%-28.95%

EPS Next Y-14.22%

EPS Next 2Y-7.37%

EPS Next 3Y-10.02%

EPS Next 5YN/A

Revenue 1Y (TTM)-54.71%

Revenue growth 3Y-8.13%

Revenue growth 5Y1.98%

Sales Q2Q%-6.17%

Revenue Next Year-2.66%

Revenue Next 2Y0.82%

Revenue Next 3Y-13.2%

Revenue Next 5YN/A

EBIT growth 1Y-185.4%

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y92.54%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y92.54%

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