INVESTCORP CREDIT MANAGEMENT (ICMB) Fundamental Analysis & Valuation

NASDAQ:ICMB • US46090R1041

Current stock price

1.9838 USD
-0.34 (-14.49%)
Last:

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

1

1. ICMB Profitability Analysis

1.1 Basic Checks

  • ICMB had positive earnings in the past year.
  • ICMB had a negative operating cash flow in the past year.
  • In multiple years ICMB reported negative net income over the last 5 years.
  • ICMB had a positive operating cash flow in 4 of the past 5 years.
ICMB Yearly Net Income VS EBIT VS OCF VS FCFICMB 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 20M -20M 40M

1.2 Ratios

  • ICMB has a worse Return On Assets (-0.03%) than 76.03% of its industry peers.
  • ICMB's Return On Equity of -0.07% is on the low side compared to the rest of the industry. ICMB is outperformed by 71.49% of its industry peers.
  • The Return On Invested Capital of ICMB (1.00%) is worse than 67.36% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for ICMB is below the industry average of 7.06%.
Industry RankSector Rank
ROA -0.03%
ROE -0.07%
ROIC 1%
ROA(3y)0.11%
ROA(5y)-1.77%
ROE(3y)0.33%
ROE(5y)-4.84%
ROIC(3y)3.05%
ROIC(5y)3.15%
ICMB Yearly ROA, ROE, ROICICMB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 -20

1.3 Margins

  • The Operating Margin of ICMB (14.06%) is worse than 61.98% of its industry peers.
  • ICMB's Operating Margin has declined in the last couple of years.
  • ICMB has a Gross Margin of 30.97%. This is in the lower half of the industry: ICMB underperforms 64.88% of its industry peers.
  • ICMB's Gross Margin has declined in the last couple of years.
Industry RankSector Rank
OM 14.06%
PM (TTM) N/A
GM 30.97%
OM growth 3Y-6.8%
OM growth 5Y-6.8%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-3.33%
GM growth 5Y-3.46%
ICMB Yearly Profit, Operating, Gross MarginsICMB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50 -50

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ROAROEROICOperating and Profit MarginShow most profitable peers

1

2. ICMB Health Analysis

2.1 Basic Checks

  • The number of shares outstanding for ICMB remains at a similar level compared to 1 year ago.
  • Compared to 5 years ago, ICMB has more shares outstanding
  • Compared to 1 year ago, ICMB has an improved debt to assets ratio.
ICMB Yearly Shares OutstandingICMB Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M
ICMB Yearly Total Debt VS Total AssetsICMB Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M

2.2 Solvency

  • Based on the Altman-Z score of -0.98, we must say that ICMB is in the distress zone and has some risk of bankruptcy.
  • ICMB has a Altman-Z score of -0.98. This is amonst the worse of the industry: ICMB underperforms 86.36% of its industry peers.
  • ICMB has a Debt/Equity ratio of 1.75. This is a high value indicating a heavy dependency on external financing.
  • With a Debt to Equity ratio value of 1.75, ICMB is not doing good in the industry: 75.62% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 1.75
Debt/FCF N/A
Altman-Z -0.98
ROIC/WACCN/A
WACCN/A
ICMB Yearly LT Debt VS Equity VS FCFICMB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M 100M 150M

2.3 Liquidity

  • ICMB has a Current Ratio of 0.09. This is a bad value and indicates that ICMB is not financially healthy enough and could expect problems in meeting its short term obligations.
  • ICMB has a worse Current ratio (0.09) than 92.15% of its industry peers.
  • A Quick Ratio of 0.09 indicates that ICMB may have some problems paying its short term obligations.
  • ICMB's Quick ratio of 0.09 is on the low side compared to the rest of the industry. ICMB is outperformed by 92.15% of its industry peers.
Industry RankSector Rank
Current Ratio 0.09
Quick Ratio 0.09
ICMB Yearly Current Assets VS Current LiabilitesICMB Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M

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

0

3. ICMB Growth Analysis

3.1 Past

  • ICMB shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -26.15%.
  • ICMB shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -13.48% yearly.
  • ICMB shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -10.50%.
  • The Revenue has been decreasing by -7.04% on average over the past years.
EPS 1Y (TTM)-26.15%
EPS 3Y-9.61%
EPS 5Y-13.48%
EPS Q2Q%N/A
Revenue 1Y (TTM)-10.5%
Revenue growth 3Y-3.64%
Revenue growth 5Y-7.04%
Sales Q2Q%-11.21%

3.2 Future

  • The Earnings Per Share is expected to decrease by -33.24% on average over the next years. This is quite bad
  • The Revenue is expected to decrease by -14.23% on average over the next years. This is quite bad
EPS Next Y-63.87%
EPS Next 2Y-43.54%
EPS Next 3Y-33.24%
EPS Next 5YN/A
Revenue Next Year-29.77%
Revenue Next 2Y-14.23%
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 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 decreasing.
ICMB Yearly Revenue VS EstimatesICMB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 10M 20M 30M 40M
ICMB Yearly EPS VS EstimatesICMB 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

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Find the best growth stocksShow best growing peers

4

4. ICMB Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 4.13, the valuation of ICMB can be described as very cheap.
  • Compared to the rest of the industry, the Price/Earnings ratio of ICMB indicates a rather cheap valuation: ICMB is cheaper than 88.43% of the companies listed in the same industry.
  • ICMB is valuated cheaply when we compare the Price/Earnings ratio to 25.70, which is the current average of the S&P500 Index.
  • With a Price/Forward Earnings ratio of 12.97, ICMB is valued correctly.
  • ICMB's Price/Forward Earnings ratio is in line with the industry average.
  • ICMB is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 23.84, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 4.13
Fwd PE 12.97
ICMB Price Earnings VS Forward Price EarningsICMB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
ICMB Per share dataICMB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 1 2 3 4 5

4.3 Compensation for Growth

  • ICMB's earnings are expected to decrease with -33.24% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-43.54%
EPS Next 3Y-33.24%

More info and screens

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

5

5. ICMB Dividend Analysis

5.1 Amount

  • ICMB has a Yearly Dividend Yield of 15.00%, which is a nice return.
  • In the last 3 months the price of ICMB has falen by -29.40%. A price decline artificially increases the dividend yield. It may be a sign investors do not expect the dividend to last.
  • ICMB's Dividend Yield is rather good when compared to the industry average which is at 6.83. ICMB pays more dividend than 87.60% of the companies in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.89, ICMB pays a better dividend.
Industry RankSector Rank
Dividend Yield 15%

5.2 History

  • The dividend of ICMB decreases each year by -4.85%.
  • ICMB has been paying a dividend for at least 10 years, so it has a reliable track record.
Dividend Growth(5Y)-4.85%
Div Incr Years0
Div Non Decr Years0
ICMB Yearly Dividends per shareICMB Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • The earnings of ICMB are negative and hence is the payout ratio. ICMB will probably not be able to sustain this dividend level.
  • The Dividend Rate of ICMB has been decling, while earnings will also be declining. This means the current dividend is most likely not sustainable.
DP-12905.85%
EPS Next 2Y-43.54%
EPS Next 3Y-33.24%
ICMB Yearly Income VS Free CF VS DividendICMB Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20M -20M 40M

More info and screens

Find the best dividend stocksShow peers with best dividend

ICMB Fundamentals: All Metrics, Ratios and Statistics

INVESTCORP CREDIT MANAGEMENT

NASDAQ:ICMB (3/13/2026, 8:00:02 PM)

1.9838

-0.34 (-14.49%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)N/A
Earnings (Next)03-23
Inst Owners23.44%
Inst Owner Change26.11%
Ins Owners1.31%
Ins Owner Change0%
Market Cap28.61M
Revenue(TTM)23.88M
Net Income(TTM)-53.00K
Analysts43.33
Price TargetN/A
Short Float %1.48%
Short Ratio4.95
Dividend
Industry RankSector Rank
Dividend Yield 15%
Yearly Dividend0.78
Dividend Growth(5Y)-4.85%
DP-12905.85%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-55.44%
Min EPS beat(2)-64.35%
Max EPS beat(2)-46.52%
EPS beat(4)1
Avg EPS beat(4)-21.53%
Min EPS beat(4)-64.35%
Max EPS beat(4)56.86%
EPS beat(8)3
Avg EPS beat(8)-14.22%
EPS beat(12)5
Avg EPS beat(12)-8.27%
EPS beat(16)6
Avg EPS beat(16)-13.31%
Revenue beat(2)0
Avg Revenue beat(2)-16.39%
Min Revenue beat(2)-18.75%
Max Revenue beat(2)-14.02%
Revenue beat(4)1
Avg Revenue beat(4)-5.24%
Min Revenue beat(4)-18.75%
Max Revenue beat(4)30.17%
Revenue beat(8)2
Avg Revenue beat(8)-5.47%
Revenue beat(12)6
Avg Revenue beat(12)-2.04%
Revenue beat(16)7
Avg Revenue beat(16)-2.24%
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 4.13
Fwd PE 12.97
P/S 1.59
P/FCF N/A
P/OCF N/A
P/B 0.39
P/tB 0.39
EV/EBITDA N/A
EPS(TTM)0.48
EY24.2%
EPS(NY)0.15
Fwd EY7.71%
FCF(TTM)-0.53
FCFYN/A
OCF(TTM)-0.53
OCFYN/A
SpS1.25
BVpS5.04
TBVpS5.04
PEG (NY)N/A
PEG (5Y)N/A
Graham Number7.38
Profitability
Industry RankSector Rank
ROA -0.03%
ROE -0.07%
ROCE 1.85%
ROIC 1%
ROICexc 1.02%
ROICexgc 1.02%
OM 14.06%
PM (TTM) N/A
GM 30.97%
FCFM N/A
ROA(3y)0.11%
ROA(5y)-1.77%
ROE(3y)0.33%
ROE(5y)-4.84%
ROIC(3y)3.05%
ROIC(5y)3.15%
ROICexc(3y)3.07%
ROICexc(5y)3.21%
ROICexgc(3y)3.07%
ROICexgc(5y)3.21%
ROCE(3y)5.57%
ROCE(5y)5.13%
ROICexgc growth 3Y0.79%
ROICexgc growth 5Y-4.87%
ROICexc growth 3Y0.79%
ROICexc growth 5Y-4.87%
OM growth 3Y-6.8%
OM growth 5Y-6.8%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-3.33%
GM growth 5Y-3.46%
F-Score2
Asset Turnover0.09
Health
Industry RankSector Rank
Debt/Equity 1.75
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 0.34
Cash Conversion N/A
Profit Quality N/A
Current Ratio 0.09
Quick Ratio 0.09
Altman-Z -0.98
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)-26.15%
EPS 3Y-9.61%
EPS 5Y-13.48%
EPS Q2Q%N/A
EPS Next Y-63.87%
EPS Next 2Y-43.54%
EPS Next 3Y-33.24%
EPS Next 5YN/A
Revenue 1Y (TTM)-10.5%
Revenue growth 3Y-3.64%
Revenue growth 5Y-7.04%
Sales Q2Q%-11.21%
Revenue Next Year-29.77%
Revenue Next 2Y-14.23%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-65.2%
EBIT growth 3Y-10.19%
EBIT growth 5Y-13.36%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-130.52%
FCF growth 3Y22.4%
FCF growth 5YN/A
OCF growth 1Y-130.52%
OCF growth 3Y22.4%
OCF growth 5YN/A

INVESTCORP CREDIT MANAGEMENT / ICMB Fundamental Analysis FAQ

What is the fundamental rating for ICMB stock?

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


Can you provide the valuation status for INVESTCORP CREDIT MANAGEMENT?

ChartMill assigns a valuation rating of 4 / 10 to INVESTCORP CREDIT MANAGEMENT (ICMB). This can be considered as Fairly Valued.


What is the profitability of ICMB stock?

INVESTCORP CREDIT MANAGEMENT (ICMB) has a profitability rating of 1 / 10.


How financially healthy is INVESTCORP CREDIT MANAGEMENT?

The financial health rating of INVESTCORP CREDIT MANAGEMENT (ICMB) is 1 / 10.


Can you provide the expected EPS growth for ICMB stock?

The Earnings per Share (EPS) of INVESTCORP CREDIT MANAGEMENT (ICMB) is expected to decline by -63.87% in the next year.