HORIZON TECHNOLOGY FINAN - HRZN 4 7/8 03/30/26 (HTFB) Stock Fundamental Analysis

NYSE:HTFB • US44045A4094

25.72 USD
+0.71 (+2.84%)
Last: Jan 29, 2026, 08:25 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

2

Taking everything into account, HTFB scores 2 out of 10 in our fundamental rating. HTFB was compared to 238 industry peers in the Capital Markets industry. HTFB may be in some trouble as it scores bad on both profitability and health. HTFB does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

1

1. Profitability

1.1 Basic Checks

  • In the past year HTFB was profitable.
  • HTFB had a positive operating cash flow in the past year.
  • In multiple years HTFB reported negative net income over the last 5 years.
  • HTFB had negative operating cash flow in 4 of the past 5 years.
HTFB Yearly Net Income VS EBIT VS OCF VS FCFHTFB Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M -50M -100M -150M -200M

1.2 Ratios

  • HTFB's Return On Assets of -3.15% is on the low side compared to the rest of the industry. HTFB is outperformed by 80.75% of its industry peers.
  • With a Return On Equity value of -7.58%, HTFB is not doing good in the industry: 75.73% of the companies in the same industry are doing better.
Industry RankSector Rank
ROA -3.15%
ROE -7.58%
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
HTFB Yearly ROA, ROE, ROICHTFB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 -5 10

1.3 Margins

  • HTFB does not have Profit Margin and Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector 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
HTFB Yearly Profit, Operating, Gross MarginsHTFB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 -20 40 -40

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. Health

2.1 Basic Checks

  • Compared to 1 year ago, HTFB has more shares outstanding
  • Compared to 5 years ago, HTFB has more shares outstanding
  • The debt/assets ratio for HTFB has been reduced compared to a year ago.
HTFB Yearly Shares OutstandingHTFB Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M
HTFB Yearly Total Debt VS Total AssetsHTFB Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M

2.2 Solvency

  • Based on the Altman-Z score of 1.08, we must say that HTFB is in the distress zone and has some risk of bankruptcy.
  • With a Altman-Z score value of 1.08, HTFB perfoms like the industry average, outperforming 59.83% of the companies in the same industry.
  • The Debt to FCF ratio of HTFB is 6.96, which is on the high side as it means it would take HTFB, 6.96 years of fcf income to pay off all of its debts.
  • HTFB has a Debt to FCF ratio of 6.96. This is in the better half of the industry: HTFB outperforms 64.44% of its industry peers.
  • HTFB has a Debt/Equity ratio of 0.99. This is a neutral value indicating HTFB is somewhat dependend on debt financing.
  • HTFB has a Debt to Equity ratio (0.99) which is in line with its industry peers.
Industry RankSector Rank
Debt/Equity 0.99
Debt/FCF 6.96
Altman-Z 1.08
ROIC/WACCN/A
WACCN/A
HTFB Yearly LT Debt VS Equity VS FCFHTFB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M -200M 400M

2.3 Liquidity

  • A Current Ratio of 1.10 indicates that HTFB should not have too much problems paying its short term obligations.
  • HTFB has a Current ratio (1.10) which is in line with its industry peers.
  • HTFB has a Quick Ratio of 1.10. This is a normal value and indicates that HTFB is financially healthy and should not expect problems in meeting its short term obligations.
  • Looking at the Quick ratio, with a value of 1.10, HTFB is in line with its industry, outperforming 51.05% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 1.1
Quick Ratio 1.1
HTFB Yearly Current Assets VS Current LiabilitesHTFB Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. Growth

3.1 Past

  • The earnings per share for HTFB have decreased strongly by -25.17% in the last year.
  • HTFB 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, HTFB shows a very negative growth in Revenue. The Revenue has decreased by -37.23% in the last year.
  • Measured over the past years, HTFB shows a small growth in Revenue. The Revenue has been growing by 1.98% on average per year.
EPS 1Y (TTM)-25.17%
EPS 3Y-1.7%
EPS 5Y-2.38%
EPS Q2Q%-3.13%
Revenue 1Y (TTM)-37.23%
Revenue growth 3Y-8.13%
Revenue growth 5Y1.98%
Sales Q2Q%7.14%

3.2 Future

  • The Earnings Per Share is expected to decrease by -9.18% on average over the next years.
  • The Revenue is expected to grow by 12.29% on average over the next years. This is quite good.
EPS Next Y-11.8%
EPS Next 2Y-12.07%
EPS Next 3Y-9.18%
EPS Next 5YN/A
Revenue Next Year-1.3%
Revenue Next 2Y5.2%
Revenue Next 3Y12.29%
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 accelerating.
HTFB Yearly Revenue VS EstimatesHTFB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 50M 100M
HTFB Yearly EPS VS EstimatesHTFB Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0.5 1 1.5 2

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Find the best growth stocksShow best growing peers

2

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 22.76, the valuation of HTFB can be described as rather expensive.
  • HTFB's Price/Earnings ratio is a bit more expensive when compared to the industry. HTFB is more expensive than 65.27% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 27.05. HTFB is around the same levels.
  • A Price/Forward Earnings ratio of 25.01 indicates a quite expensive valuation of HTFB.
  • Based on the Price/Forward Earnings ratio, HTFB is valued a bit more expensive than the industry average as 63.18% of the companies are valued more cheaply.
  • HTFB's Price/Forward Earnings ratio indicates a similar valuation than the S&P500 average which is at 28.03.
Industry RankSector Rank
PE 22.76
Fwd PE 25.01
HTFB Price Earnings VS Forward Price EarningsHTFB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, HTFB is valued a bit cheaper than the industry average as 63.18% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 18.74
EV/EBITDA N/A
HTFB Per share dataHTFB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6

4.3 Compensation for Growth

  • HTFB's earnings are expected to decrease with -9.18% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-12.07%
EPS Next 3Y-9.18%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. Dividend

5.1 Amount

  • HTFB has a Yearly Dividend Yield of 11.74%, which is a nice return.
  • Compared to an average industry Dividend Yield of 6.18, HTFB pays a bit more dividend than its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.80, HTFB pays a better dividend.
Industry RankSector Rank
Dividend Yield 11.74%

5.2 History

  • The dividend of HTFB has a limited annual growth rate of 1.93%.
  • HTFB has been paying a dividend for over 5 years, so it has already some track record.
  • HTFB has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)1.93%
Div Incr Years1
Div Non Decr Years3
HTFB Yearly Dividends per shareHTFB Yearly Dividends per shareYearly Dividends per share 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • HTFB has negative earnings and hence a negative payout ratio. The dividend may be in danger.
DP-213.78%
EPS Next 2Y-12.07%
EPS Next 3Y-9.18%
HTFB Yearly Income VS Free CF VS DividendHTFB Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M -50M -100M -150M -200M

More info and screens

Find the best dividend stocksShow peers with best dividend

HORIZON TECHNOLOGY FINAN - HRZN 4 7/8 03/30/26

NYSE:HTFB (1/29/2026, 8:25:34 PM)

25.72

+0.71 (+2.84%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)10-28
Earnings (Next)03-02
Inst Owners8.24%
Inst Owner ChangeN/A
Ins Owners1.18%
Ins Owner ChangeN/A
Market Cap1.14B
Revenue(TTM)30.43M
Net Income(TTM)-23.92M
Analysts50.91
Price Target26.95 (4.78%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 11.74%
Yearly Dividend1.27
Dividend Growth(5Y)1.93%
DP-213.78%
Div Incr Years1
Div Non Decr Years3
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)4.27%
Min EPS beat(2)-1.3%
Max EPS beat(2)9.85%
EPS beat(4)1
Avg EPS beat(4)-6.77%
Min EPS beat(4)-18.73%
Max EPS beat(4)9.85%
EPS beat(8)1
Avg EPS beat(8)-5.35%
EPS beat(12)5
Avg EPS beat(12)2.2%
EPS beat(16)8
Avg EPS beat(16)2.59%
Revenue beat(2)1
Avg Revenue beat(2)2.61%
Min Revenue beat(2)-2.03%
Max Revenue beat(2)7.24%
Revenue beat(4)1
Avg Revenue beat(4)-3.6%
Min Revenue beat(4)-10.13%
Max Revenue beat(4)7.24%
Revenue beat(8)1
Avg Revenue beat(8)-3.12%
Revenue beat(12)4
Avg Revenue beat(12)-3.59%
Revenue beat(16)5
Avg Revenue beat(16)-6.35%
PT rev (1m)0%
PT rev (3m)6.62%
EPS NQ rev (1m)-0.57%
EPS NQ rev (3m)-2.03%
EPS NY rev (1m)0%
EPS NY rev (3m)1.17%
Revenue NQ rev (1m)-0.91%
Revenue NQ rev (3m)1.72%
Revenue NY rev (1m)-0.18%
Revenue NY rev (3m)1.97%
Valuation
Industry RankSector Rank
PE 22.76
Fwd PE 25.01
P/S 37.52
P/FCF 18.74
P/OCF 18.74
P/B 3.62
P/tB 3.62
EV/EBITDA N/A
EPS(TTM)1.13
EY4.39%
EPS(NY)1.03
Fwd EY4%
FCF(TTM)1.37
FCFY5.34%
OCF(TTM)1.37
OCFY5.34%
SpS0.69
BVpS7.11
TBVpS7.11
PEG (NY)N/A
PEG (5Y)N/A
Graham Number13.45
Profitability
Industry RankSector Rank
ROA -3.15%
ROE -7.58%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM 200.22%
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
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 3YN/A
GM growth 5YN/A
F-Score3
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.99
Debt/FCF 6.96
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 1.1
Quick Ratio 1.1
Altman-Z 1.08
F-Score3
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)-25.17%
EPS 3Y-1.7%
EPS 5Y-2.38%
EPS Q2Q%-3.13%
EPS Next Y-11.8%
EPS Next 2Y-12.07%
EPS Next 3Y-9.18%
EPS Next 5YN/A
Revenue 1Y (TTM)-37.23%
Revenue growth 3Y-8.13%
Revenue growth 5Y1.98%
Sales Q2Q%7.14%
Revenue Next Year-1.3%
Revenue Next 2Y5.2%
Revenue Next 3Y12.29%
Revenue Next 5YN/A
EBIT growth 1Y-1132.33%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y159.78%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y159.78%
OCF growth 3YN/A
OCF growth 5YN/A

HORIZON TECHNOLOGY FINAN - HRZN 4 7/8 03/30/26 / HTFB FAQ

What is the fundamental rating for HTFB stock?

ChartMill assigns a fundamental rating of 2 / 10 to HTFB.


Can you provide the valuation status for HORIZON TECHNOLOGY FINAN - HRZN 4 7/8 03/30/26?

ChartMill assigns a valuation rating of 2 / 10 to HORIZON TECHNOLOGY FINAN - HRZN 4 7/8 03/30/26 (HTFB). This can be considered as Overvalued.


How profitable is HORIZON TECHNOLOGY FINAN - HRZN 4 7/8 03/30/26 (HTFB) stock?

HORIZON TECHNOLOGY FINAN - HRZN 4 7/8 03/30/26 (HTFB) has a profitability rating of 1 / 10.


Can you provide the PE and PB ratios for HTFB stock?

The Price/Earnings (PE) ratio for HORIZON TECHNOLOGY FINAN - HRZN 4 7/8 03/30/26 (HTFB) is 22.76 and the Price/Book (PB) ratio is 3.62.


Can you provide the financial health for HTFB stock?

The financial health rating of HORIZON TECHNOLOGY FINAN - HRZN 4 7/8 03/30/26 (HTFB) is 3 / 10.