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

NYSE:HTFB • US44045A4094

Current stock price

25.72 USD
+0.71 (+2.84%)
Last:

This HTFB fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

1

1. HTFB Profitability Analysis

1.1 Basic Checks

  • In the past year HTFB was profitable.
  • 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.
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 has a Return On Assets of -3.15%. This is amonst the worse of the industry: HTFB underperforms 80.75% of its industry peers.
  • HTFB has a worse Return On Equity (-7.58%) than 75.73% of its industry peers.
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

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3

2. HTFB Health Analysis

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.
  • HTFB has a better debt/assets ratio than last year.
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

  • HTFB has an Altman-Z score of 1.08. This is a bad value and indicates that HTFB is not financially healthy and even has some risk of bankruptcy.
  • HTFB has a Altman-Z score (1.08) which is comparable to the rest of the 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.
  • A Debt/Equity ratio of 0.99 indicates that 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.
  • Looking at the Current ratio, with a value of 1.10, HTFB is in line with its industry, outperforming 50.21% of the companies in the same 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 51.05% of its industry peers.
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. HTFB Growth Analysis

3.1 Past

  • HTFB shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -25.17%.
  • HTFB shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -2.38% yearly.
  • The Revenue for HTFB has decreased by -37.23% in the past year. This is quite bad
  • 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

  • HTFB is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -9.18% 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-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

  • 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 accelerating: in the next years the growth will be better than in the last years.
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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2

4. HTFB Valuation Analysis

4.1 Price/Earnings Ratio

  • HTFB is valuated rather expensively with a Price/Earnings ratio of 22.76.
  • 65.27% of the companies in the same industry are cheaper than HTFB, based on the Price/Earnings ratio.
  • The average S&P500 Price/Earnings ratio is at 26.64. HTFB is around the same levels.
  • The Price/Forward Earnings ratio is 25.01, which means the current valuation is very expensive for HTFB.
  • Based on the Price/Forward Earnings ratio, HTFB is valued a bit more expensive than 63.18% of the companies in the same industry.
  • HTFB is valuated at similar levels of the S&P average when we compare the Price/Forward Earnings ratio to 21.36, which is the current average of the S&P500 Index.
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

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%

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

5

5. HTFB Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 11.74%, HTFB is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 6.53, HTFB pays a bit more dividend than its industry peers.
  • HTFB's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
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

  • The earnings of HTFB are negative and hence is the payout ratio. HTFB will probably not be able to sustain this dividend level.
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

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HTFB Fundamentals: All Metrics, Ratios and Statistics

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
Industry Strength31.68
Industry Growth53.42
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 Number13.4485 (-47.71%)
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 Fundamental Analysis 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.


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

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


What is the financial health of HORIZON TECHNOLOGY FINAN - HRZN 4 7/8 03/30/26 (HTFB) stock?

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


What is the expected EPS growth for HORIZON TECHNOLOGY FINAN - HRZN 4 7/8 03/30/26 (HTFB) stock?

The Earnings per Share (EPS) of HORIZON TECHNOLOGY FINAN - HRZN 4 7/8 03/30/26 (HTFB) is expected to decline by -11.8% in the next year.