HORIZON TECHNOLOGY FINAN - HRZN 6 1/4 06/15/27 (HTFC) Fundamental Analysis & Valuation

NYSE:HTFC • US44045A5083

Current stock price

24.9599 USD
+0.25 (+1.01%)
Last:

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

1

1. HTFC Profitability Analysis

1.1 Basic Checks

  • In the past year HTFC was profitable.
  • In the past year HTFC had a positive cash flow from operations.
  • In multiple years HTFC reported negative net income over the last 5 years.
  • The reported operating cash flow has been mixed in the past 5 years: HTFC reported negative operating cash flow in multiple years.
HTFC Yearly Net Income VS EBIT VS OCF VS FCFHTFC 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 2025 0 -100M -200M

1.2 Ratios

  • HTFC has a worse Return On Assets (-0.33%) than 76.45% of its industry peers.
  • With a Return On Equity value of -0.84%, HTFC is not doing good in the industry: 71.49% of the companies in the same industry are doing better.
  • HTFC's Return On Invested Capital of 0.14% is on the low side compared to the rest of the industry. HTFC is outperformed by 71.07% of its industry peers.
Industry RankSector Rank
ROA -0.33%
ROE -0.84%
ROIC 0.14%
ROA(3y)-1.05%
ROA(5y)1%
ROE(3y)-2.61%
ROE(5y)2.03%
ROIC(3y)N/A
ROIC(5y)N/A
HTFC Yearly ROA, ROE, ROICHTFC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5 -5 10

1.3 Margins

  • HTFC's Operating Margin of 2.37% is on the low side compared to the rest of the industry. HTFC is outperformed by 71.07% of its industry peers.
  • In the last couple of years the Operating Margin of HTFC has declined.
  • The Gross Margin of HTFC (6.12%) is worse than 68.18% of its industry peers.
  • HTFC's Gross Margin has declined in the last couple of years.
Industry RankSector Rank
OM 2.37%
PM (TTM) N/A
GM 6.12%
OM growth 3Y-58.91%
OM growth 5Y-35.28%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-44.81%
GM growth 5Y-24.29%
HTFC Yearly Profit, Operating, Gross MarginsHTFC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20 -20 40 -40

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ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. HTFC Health Analysis

2.1 Basic Checks

  • HTFC has more shares outstanding than it did 1 year ago.
  • Compared to 5 years ago, HTFC has more shares outstanding
  • Compared to 1 year ago, HTFC has a worse debt to assets ratio.
HTFC Yearly Shares OutstandingHTFC Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M 40M
HTFC Yearly Total Debt VS Total AssetsHTFC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M

2.2 Solvency

  • Based on the Altman-Z score of 1.10, we must say that HTFC is in the distress zone and has some risk of bankruptcy.
  • HTFC has a Altman-Z score (1.10) which is comparable to the rest of the industry.
  • HTFC has a debt to FCF ratio of 8.35. This is a slightly negative value and a sign of low solvency as HTFC would need 8.35 years to pay back of all of its debts.
  • The Debt to FCF ratio of HTFC (8.35) is better than 63.22% of its industry peers.
  • HTFC has a Debt/Equity ratio of 1.19. This is a high value indicating a heavy dependency on external financing.
  • With a Debt to Equity ratio value of 1.19, HTFC perfoms like the industry average, outperforming 41.32% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 1.19
Debt/FCF 8.35
Altman-Z 1.1
ROIC/WACCN/A
WACCN/A
HTFC Yearly LT Debt VS Equity VS FCFHTFC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 200M -200M 400M

2.3 Liquidity

  • HTFC has a Current Ratio of 1.33. This is a normal value and indicates that HTFC is financially healthy and should not expect problems in meeting its short term obligations.
  • HTFC's Current ratio of 1.33 is in line compared to the rest of the industry. HTFC outperforms 58.26% of its industry peers.
  • A Quick Ratio of 1.33 indicates that HTFC should not have too much problems paying its short term obligations.
  • With a Quick ratio value of 1.33, HTFC perfoms like the industry average, outperforming 58.68% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 1.33
Quick Ratio 1.33
HTFC Yearly Current Assets VS Current LiabilitesHTFC Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M

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

5

3. HTFC Growth Analysis

3.1 Past

  • The earnings per share for HTFC have decreased strongly by -21.80% in the last year.
  • The Earnings Per Share has been decreasing by -2.98% on average over the past years.
  • HTFC shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 11.33%.
  • The Revenue has been growing by 10.34% on average over the past years. This is quite good.
EPS 1Y (TTM)-21.8%
EPS 3Y-10.28%
EPS 5Y-2.98%
EPS Q2Q%-33.33%
Revenue 1Y (TTM)11.33%
Revenue growth 3Y-6.9%
Revenue growth 5Y10.34%
Sales Q2Q%-12.23%

3.2 Future

  • Based on estimates for the next years, HTFC will show a decrease in Earnings Per Share. The EPS will decrease by -2.13% on average per year.
  • Based on estimates for the next years, HTFC will show a quite strong growth in Revenue. The Revenue will grow by 19.78% on average per year.
EPS Next Y-1.12%
EPS Next 2Y-2.13%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year12.13%
Revenue Next 2Y19.78%
Revenue Next 3YN/A
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 accelerating.
  • 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.
HTFC Yearly Revenue VS EstimatesHTFC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 50M 100M
HTFC Yearly EPS VS EstimatesHTFC 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. HTFC Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 24.00, the valuation of HTFC can be described as rather expensive.
  • HTFC's Price/Earnings ratio is a bit more expensive when compared to the industry. HTFC is more expensive than 68.59% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 25.23, HTFC is valued at the same level.
  • HTFC is valuated rather expensively with a Price/Forward Earnings ratio of 24.27.
  • Based on the Price/Forward Earnings ratio, HTFC is valued a bit more expensive than 64.46% of the companies in the same industry.
  • HTFC's Price/Forward Earnings ratio indicates a similar valuation than the S&P500 average which is at 23.28.
Industry RankSector Rank
PE 24
Fwd PE 24.27
HTFC Price Earnings VS Forward Price EarningsHTFC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40

4.2 Price Multiples

  • 62.40% of the companies in the same industry are more expensive than HTFC, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 20.42
EV/EBITDA N/A
HTFC Per share dataHTFC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6

4.3 Compensation for Growth

  • A cheap valuation may be justified as HTFC's earnings are expected to decrease with -2.13% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-2.13%
EPS Next 3YN/A

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

5

5. HTFC Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 11.74%, HTFC is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 6.94, HTFC pays a bit more dividend than its industry peers.
  • HTFC's Dividend Yield is rather good when compared to the S&P500 average which is at 1.91.
Industry RankSector Rank
Dividend Yield 11.74%

5.2 History

  • The dividend of HTFC has a limited annual growth rate of 0.33%.
  • HTFC has been paying a dividend for over 5 years, so it has already some track record.
  • The dividend of HTFC decreased in the last 3 years.
Dividend Growth(5Y)0.33%
Div Incr Years0
Div Non Decr Years2
HTFC Yearly Dividends per shareHTFC Yearly Dividends per shareYearly Dividends per share 2022 2023 2024 2025 2026 0.5 1 1.5

5.3 Sustainability

  • HTFC has negative earnings and hence a negative payout ratio. The dividend may be in danger.
DP-1995.26%
EPS Next 2Y-2.13%
EPS Next 3YN/A
HTFC Yearly Income VS Free CF VS DividendHTFC Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 -100M -200M

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HTFC Fundamentals: All Metrics, Ratios and Statistics

HORIZON TECHNOLOGY FINAN - HRZN 6 1/4 06/15/27

NYSE:HTFC (3/20/2026, 8:04:00 PM)

24.9599

+0.25 (+1.01%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)03-03
Earnings (Next)04-27
Inst Owners9.35%
Inst Owner ChangeN/A
Ins Owners1.14%
Ins Owner ChangeN/A
Market Cap1.16B
Revenue(TTM)51.77M
Net Income(TTM)-2.66M
Analysts50
Price Target27.78 (11.3%)
Short Float %0.01%
Short Ratio1.8
Dividend
Industry RankSector Rank
Dividend Yield 11.74%
Yearly Dividend1.24
Dividend Growth(5Y)0.33%
DP-1995.26%
Div Incr Years0
Div Non Decr Years2
Ex-Date03-13
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-14.65%
Min EPS beat(2)-39.15%
Max EPS beat(2)9.85%
EPS beat(4)1
Avg EPS beat(4)-12.33%
Min EPS beat(4)-39.15%
Max EPS beat(4)9.85%
EPS beat(8)1
Avg EPS beat(8)-10.24%
EPS beat(12)4
Avg EPS beat(12)-1.08%
EPS beat(16)7
Avg EPS beat(16)-0.3%
Revenue beat(2)1
Avg Revenue beat(2)-6.47%
Min Revenue beat(2)-20.18%
Max Revenue beat(2)7.24%
Revenue beat(4)1
Avg Revenue beat(4)-6.11%
Min Revenue beat(4)-20.18%
Max Revenue beat(4)7.24%
Revenue beat(8)1
Avg Revenue beat(8)-5.54%
Revenue beat(12)4
Avg Revenue beat(12)-2.75%
Revenue beat(16)5
Avg Revenue beat(16)-5.59%
PT rev (1m)8.12%
PT rev (3m)7.65%
EPS NQ rev (1m)-23.76%
EPS NQ rev (3m)-24.27%
EPS NY rev (1m)0%
EPS NY rev (3m)-3.69%
Revenue NQ rev (1m)-12.74%
Revenue NQ rev (3m)-12.74%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.52%
Valuation
Industry RankSector Rank
PE 24
Fwd PE 24.27
P/S 22.33
P/FCF 20.42
P/OCF 20.42
P/B 3.63
P/tB 3.63
EV/EBITDA N/A
EPS(TTM)1.04
EY4.17%
EPS(NY)1.03
Fwd EY4.12%
FCF(TTM)1.22
FCFY4.9%
OCF(TTM)1.22
OCFY4.9%
SpS1.12
BVpS6.88
TBVpS6.88
PEG (NY)N/A
PEG (5Y)N/A
Graham Number12.68
Profitability
Industry RankSector Rank
ROA -0.33%
ROE -0.84%
ROCE 0.18%
ROIC 0.14%
ROICexc 0.17%
ROICexgc 0.18%
OM 2.37%
PM (TTM) N/A
GM 6.12%
FCFM 109.39%
ROA(3y)-1.05%
ROA(5y)1%
ROE(3y)-2.61%
ROE(5y)2.03%
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 3Y-58.3%
ROICexgc growth 5Y-35.06%
ROICexc growth 3Y-58.47%
ROICexc growth 5Y-35.2%
OM growth 3Y-58.91%
OM growth 5Y-35.28%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-44.81%
GM growth 5Y-24.29%
F-Score6
Asset Turnover0.06
Health
Industry RankSector Rank
Debt/Equity 1.19
Debt/FCF 8.35
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 0.04
Cash Conversion N/A
Profit Quality N/A
Current Ratio 1.33
Quick Ratio 1.33
Altman-Z 1.1
F-Score6
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)-21.8%
EPS 3Y-10.28%
EPS 5Y-2.98%
EPS Q2Q%-33.33%
EPS Next Y-1.12%
EPS Next 2Y-2.13%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)11.33%
Revenue growth 3Y-6.9%
Revenue growth 5Y10.34%
Sales Q2Q%-12.23%
Revenue Next Year12.13%
Revenue Next 2Y19.78%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y129.46%
EBIT growth 3Y-61.75%
EBIT growth 5Y-28.59%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y1338.38%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y1338.38%
OCF growth 3YN/A
OCF growth 5YN/A

HORIZON TECHNOLOGY FINAN - HRZN 6 1/4 06/15/27 / HTFC Fundamental Analysis FAQ

What is the ChartMill fundamental rating of HORIZON TECHNOLOGY FINAN - HRZN 6 1/4 06/15/27 (HTFC) stock?

ChartMill assigns a fundamental rating of 3 / 10 to HTFC.


What is the valuation status of HORIZON TECHNOLOGY FINAN - HRZN 6 1/4 06/15/27 (HTFC) stock?

ChartMill assigns a valuation rating of 2 / 10 to HORIZON TECHNOLOGY FINAN - HRZN 6 1/4 06/15/27 (HTFC). This can be considered as Overvalued.


Can you provide the profitability details for HORIZON TECHNOLOGY FINAN - HRZN 6 1/4 06/15/27?

HORIZON TECHNOLOGY FINAN - HRZN 6 1/4 06/15/27 (HTFC) has a profitability rating of 1 / 10.


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

The Price/Earnings (PE) ratio for HORIZON TECHNOLOGY FINAN - HRZN 6 1/4 06/15/27 (HTFC) is 24 and the Price/Book (PB) ratio is 3.63.


What is the earnings growth outlook for HORIZON TECHNOLOGY FINAN - HRZN 6 1/4 06/15/27?

The Earnings per Share (EPS) of HORIZON TECHNOLOGY FINAN - HRZN 6 1/4 06/15/27 (HTFC) is expected to decline by -1.12% in the next year.