HORIZON TECHNOLOGY FINAN - HRZN 4 7/8 03/30/26 (HTFB) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:HTFB - US44045A4094
24.96 USD
-0.11 (-0.44%)
HTFB gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 237 industry peers in the Capital Markets industry. Both the profitability and financial health of HTFB have multiple concerns. HTFB does not seem to be growing, but still is valued expensively.
1. Profitability
1.1 Basic Checks
HTFB had positive earnings in the past year.
HTFB had a positive operating cash flow in the past year.
The reported net income has been mixed in the past 5 years: HTFB reported negative net income in multiple years.
In the past 5 years HTFB reported 4 times negative operating cash flow.
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 78.90% of its industry peers.
Looking at the Return On Equity, with a value of -7.58%, HTFB is doing worse than 77.22% of the companies in the same industry.
| Industry Rank | Sector 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
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 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
2. Health
2.1 Basic Checks
Compared to 1 year ago, HTFB has more shares outstanding
The number of shares outstanding for HTFB has been increased compared to 5 years ago.
The debt/assets ratio for HTFB has been reduced compared to a year ago.
2.2 Solvency
Based on the Altman-Z score of 0.98, we must say that HTFB is in the distress zone and has some risk of bankruptcy.
HTFB has a Altman-Z score of 0.98. This is comparable to the rest of the industry: HTFB outperforms 55.70% of its industry peers.
HTFB has a debt to FCF ratio of 6.96. This is a slightly negative value and a sign of low solvency as HTFB would need 6.96 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 6.96, HTFB is in the better half of the industry, outperforming 64.56% of the companies in the same industry.
A Debt/Equity ratio of 0.99 indicates that HTFB is somewhat dependend on debt financing.
The Debt to Equity ratio of HTFB (0.99) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.99 | ||
| Debt/FCF | 6.96 | ||
| Altman-Z | 0.98 |
ROIC/WACCN/A
WACCN/A
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 comparable to the rest of the industry.
A Quick Ratio of 1.10 indicates that HTFB should not have too much problems paying its short term obligations.
HTFB has a Quick ratio of 1.10. This is comparable to the rest of the industry: HTFB outperforms 54.01% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.1 | ||
| Quick Ratio | 1.1 |
3. Growth
3.1 Past
The earnings per share for HTFB have decreased strongly by -25.17% in the last year.
Measured over the past years, HTFB shows a decrease in Earnings Per Share. The EPS has been decreasing by -2.38% on average per year.
HTFB shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -37.23%.
HTFB shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 1.98% yearly.
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
HTFB is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -8.87% yearly.
Based on estimates for the next years, HTFB will show a quite strong growth in Revenue. The Revenue will grow by 12.29% on average per year.
EPS Next Y-12.83%
EPS Next 2Y-10.4%
EPS Next 3Y-8.87%
EPS Next 5YN/A
Revenue Next Year-3.21%
Revenue Next 2Y3.09%
Revenue Next 3Y12.29%
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.
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
With a Price/Earnings ratio of 22.09, HTFB is valued on the expensive side.
Based on the Price/Earnings ratio, HTFB is valued a bit more expensive than the industry average as 61.60% of the companies are valued more cheaply.
HTFB's Price/Earnings ratio indicates a similar valuation than the S&P500 average which is at 25.98.
The Price/Forward Earnings ratio is 23.38, which indicates a rather expensive current valuation of HTFB.
Based on the Price/Forward Earnings ratio, HTFB is valued a bit more expensive than the industry average as 62.87% of the companies are valued more cheaply.
The average S&P500 Price/Forward Earnings ratio is at 35.79. HTFB is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 22.09 | ||
| Fwd PE | 23.38 |
4.2 Price Multiples
The rest of the industry has a similar Price/Free Cash Flow ratio as HTFB.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 17.43 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
A cheap valuation may be justified as HTFB's earnings are expected to decrease with -8.87% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-10.4%
EPS Next 3Y-8.87%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 11.74%, HTFB is a good candidate for dividend investing.
HTFB's Dividend Yield is a higher than the industry average which is at 8.60.
HTFB's Dividend Yield is rather good when compared to the S&P500 average which is at 2.41.
| Industry Rank | Sector 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
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-10.4%
EPS Next 3Y-8.87%
HORIZON TECHNOLOGY FINAN - HRZN 4 7/8 03/30/26
NYSE:HTFB (11/26/2025, 10:47:43 AM)
24.96
-0.11 (-0.44%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)
Earnings (Next)
Inst Owners6.54%
Inst Owner ChangeN/A
Ins Owners1.24%
Ins Owner ChangeN/A
Market Cap1.06B
Revenue(TTM)30.43M
Net Income(TTM)-23.92M
Analysts51.67
Price Target25.27 (1.24%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 11.74% |
Yearly Dividend1.27
Dividend Growth(5Y)1.93%
DP-213.78%
Div Incr Years1
Div Non Decr Years3
Ex-Date
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)0%
EPS NQ rev (1m)6.99%
EPS NQ rev (3m)7.37%
EPS NY rev (1m)3.52%
EPS NY rev (3m)4.12%
Revenue NQ rev (1m)3.95%
Revenue NQ rev (3m)2.34%
Revenue NY rev (1m)0.97%
Revenue NY rev (3m)0.34%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 22.09 | ||
| Fwd PE | 23.38 | ||
| P/S | 34.91 | ||
| P/FCF | 17.43 | ||
| P/OCF | 17.43 | ||
| P/B | 3.36 | ||
| P/tB | 3.36 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.13
EY4.53%
EPS(NY)1.07
Fwd EY4.28%
FCF(TTM)1.43
FCFY5.74%
OCF(TTM)1.43
OCFY5.74%
SpS0.72
BVpS7.42
TBVpS7.42
PEG (NY)N/A
PEG (5Y)N/A
Graham Number13.73
Profitability
| Industry Rank | Sector 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 Rank | Sector 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 | 0.98 |
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-12.83%
EPS Next 2Y-10.4%
EPS Next 3Y-8.87%
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-3.21%
Revenue Next 2Y3.09%
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.
What is the valuation status for HTFB stock?
ChartMill assigns a valuation rating of 1 / 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.
What is the earnings growth outlook for HORIZON TECHNOLOGY FINAN - HRZN 4 7/8 03/30/26?
The Earnings per Share (EPS) of HORIZON TECHNOLOGY FINAN - HRZN 4 7/8 03/30/26 (HTFB) is expected to decline by -12.83% in the next year.
Is the dividend of HORIZON TECHNOLOGY FINAN - HRZN 4 7/8 03/30/26 sustainable?
The dividend rating of HORIZON TECHNOLOGY FINAN - HRZN 4 7/8 03/30/26 (HTFB) is 5 / 10 and the dividend payout ratio is -213.78%.