ICMB Fundamental Analysis - INVESTCORP CREDIT MANAGEMENT

Fundamental Rating

We assign a fundamental rating of 2 out of 10 to ICMB. ICMB was compared to 233 industry peers in the Capital Markets industry. Both the profitability and financial health of ICMB have multiple concerns. ICMB is valued correctly, but it does not seem to be growing.

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1. Profitability

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.

Of the past 5 years ICMB 4 years had a positive operating cash flow.

1.2 Ratios

The Return On Assets of ICMB (3.03%) is comparable to the rest of the industry.

ICMB has a Return On Equity (8.06%) which is in line with its industry peers.

The Return On Invested Capital of ICMB (2.01%) is worse than 65.67% of its industry peers.

Measured over the past 3 years, the Average Return On Invested Capital for ICMB is below the industry average of 7.86%.

		Industry Rank	Sector Rank
ROA	3.03%
ROE	8.06%
ROIC	2.01%

ROA(3y)0.11%

ROA(5y)-1.77%

ROE(3y)0.33%

ROE(5y)-4.84%

ROIC(3y)3.05%

ROIC(5y)3.15%

1.3 Margins

ICMB has a better Profit Margin (29.82%) than 74.68% of its industry peers.

ICMB's Operating Margin of 23.96% is in line compared to the rest of the industry. ICMB outperforms 45.49% of its industry peers.

In the last couple of years the Operating Margin of ICMB has declined.

ICMB's Gross Margin of 38.07% is on the low side compared to the rest of the industry. ICMB is outperformed by 67.38% of its industry peers.

In the last couple of years the Gross Margin of ICMB has declined.

		Industry Rank	Sector Rank
OM	23.96%
PM (TTM)	29.82%
GM	38.07%

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%

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

Compared to 1 year ago, ICMB has about the same amount of shares outstanding.

Compared to 5 years ago, ICMB has more shares outstanding

Compared to 1 year ago, ICMB has an improved debt to assets ratio.

2.2 Solvency

ICMB has an Altman-Z score of -0.82. This is a bad value and indicates that ICMB is not financially healthy and even has some risk of bankruptcy.

Looking at the Altman-Z score, with a value of -0.82, ICMB is doing worse than 84.55% of the companies in the same industry.

A Debt/Equity ratio of 1.53 is on the high side and indicates that ICMB has dependencies on debt financing.

The Debt to Equity ratio of ICMB (1.53) is worse than 72.96% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	1.53
Debt/FCF	N/A
Altman-Z	-0.82

ROIC/WACCN/A

WACCN/A

2.3 Liquidity

A Current Ratio of 0.07 indicates that ICMB may have some problems paying its short term obligations.

ICMB has a Current ratio of 0.07. This is amonst the worse of the industry: ICMB underperforms 93.99% of its industry peers.

ICMB has a Quick Ratio of 0.07. 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's Quick ratio of 0.07 is on the low side compared to the rest of the industry. ICMB is outperformed by 93.99% of its industry peers.

		Industry Rank	Sector Rank
Current Ratio	0.07
Quick Ratio	0.07

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

ICMB shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -35.19%.

Measured over the past years, ICMB shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -13.48% on average per year.

ICMB shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -10.50%.

ICMB shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -7.04% yearly.

EPS 1Y (TTM)-35.19%

EPS 3Y-9.61%

EPS 5Y-13.48%

EPS Q2Q%-71.43%

Revenue 1Y (TTM)-10.5%

Revenue growth 3Y-3.64%

Revenue growth 5Y-7.04%

Sales Q2Q%-34%

3.2 Future

ICMB is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -6.66% yearly.

ICMB is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -5.95% yearly.

EPS Next Y-0.12%

EPS Next 2Y-6.66%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year-10.78%

Revenue Next 2Y-5.95%

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 stable.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 8.14, which indicates a very decent valuation of ICMB.

Based on the Price/Earnings ratio, ICMB is valued cheaper than 83.69% of the companies in the same industry.

Compared to an average S&P500 Price/Earnings ratio of 27.41, ICMB is valued rather cheaply.

The Price/Forward Earnings ratio is 6.81, which indicates a rather cheap valuation of ICMB.

ICMB's Price/Forward Earnings ratio is rather cheap when compared to the industry. ICMB is cheaper than 94.85% of the companies in the same industry.

The average S&P500 Price/Forward Earnings ratio is at 35.19. ICMB is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	8.14
Fwd PE	6.81

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

4.3 Compensation for Growth

ICMB's earnings are expected to decrease with -6.66% in the coming years. This may justify a cheaper valuation.

PEG (NY)N/A

PEG (5Y)N/A

EPS Next 2Y-6.66%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

ICMB has a Yearly Dividend Yield of 15.00%, which is a nice return.

ICMB's Dividend Yield is rather good when compared to the industry average which is at 7.77. ICMB pays more dividend than 93.99% of the companies in the same industry.

ICMB's Dividend Yield is rather good when compared to the S&P500 average which is at 2.35.

		Industry Rank	Sector 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

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-55%

EPS Next 2Y-6.66%

EPS Next 3YN/A

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INVESTCORP CREDIT MANAGEMENT

NASDAQ:ICMB (7/11/2025, 8:23:00 PM)

2.8497

0 (-0.01%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupFinancial Services

GICS IndustryCapital Markets

Earnings (Last)05-13 2025-05-13/amc

Earnings (Next)09-23 2025-09-23/amc

Inst Owners19.81%

Inst Owner Change0%

Ins Owners1.09%

Ins Owner Change0%

Market Cap41.06M

Analysts43.33

Price TargetN/A

Short Float %0.13%

Short Ratio0.32

Dividend

		Industry Rank	Sector Rank
Dividend Yield	15%

Yearly Dividend0.78

Dividend Growth(5Y)-4.85%

DP-55%

Div Incr Years0

Div Non Decr Years0

Ex-Date05-23 2025-05-23 (0.12)

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)12.37%

Min EPS beat(2)-32.13%

Max EPS beat(2)56.86%

EPS beat(4)3

Avg EPS beat(4)9.05%

Min EPS beat(4)-32.13%

Max EPS beat(4)56.86%

EPS beat(8)4

Avg EPS beat(8)0.31%

EPS beat(12)5

Avg EPS beat(12)-8.27%

EPS beat(16)7

Avg EPS beat(16)-8%

Revenue beat(2)1

Avg Revenue beat(2)5.91%

Min Revenue beat(2)-18.36%

Max Revenue beat(2)30.17%

Revenue beat(4)2

Avg Revenue beat(4)3.02%

Min Revenue beat(4)-18.36%

Max Revenue beat(4)30.17%

Revenue beat(8)4

Avg Revenue beat(8)-0.87%

Revenue beat(12)6

Avg Revenue beat(12)0.18%

Revenue beat(16)7

Avg Revenue beat(16)-0.81%

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)-4.08%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)0%

Revenue NY rev (1m)0%

Revenue NY rev (3m)0%

Valuation

		Industry Rank	Sector Rank
PE	8.14
Fwd PE	6.81
P/S	1.95
P/FCF	N/A
P/OCF	N/A
P/B	0.53
P/tB	0.53
EV/EBITDA	N/A

EPS(TTM)0.35

EY12.28%

EPS(NY)0.42

Fwd EY14.68%

FCF(TTM)-1.92

FCFYN/A

OCF(TTM)-1.92

OCFYN/A

SpS1.47

BVpS5.42

TBVpS5.42

PEG (NY)N/A

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	3.03%
ROE	8.06%
ROCE	3.55%
ROIC	2.01%
ROICexc	2.04%
ROICexgc	2.04%
OM	23.96%
PM (TTM)	29.82%
GM	38.07%
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%

ROICexcg growth 3Y0.79%

ROICexcg 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 Turnover0.1

Health

		Industry Rank	Sector Rank
Debt/Equity	1.53
Debt/FCF	N/A
Debt/EBITDA	N/A
Cap/Depr	N/A
Cap/Sales	N/A
Interest Coverage	-4.72
Cash Conversion	N/A
Profit Quality	N/A
Current Ratio	0.07
Quick Ratio	0.07
Altman-Z	-0.82

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)-35.19%

EPS 3Y-9.61%

EPS 5Y-13.48%

EPS Q2Q%-71.43%

EPS Next Y-0.12%

EPS Next 2Y-6.66%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)-10.5%

Revenue growth 3Y-3.64%

Revenue growth 5Y-7.04%

Sales Q2Q%-34%

Revenue Next Year-10.78%

Revenue Next 2Y-5.95%

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1Y-32.41%

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-195.48%

FCF growth 3Y22.4%

FCF growth 5YN/A

OCF growth 1Y-195.48%

OCF growth 3Y22.4%

OCF growth 5YN/A

INVESTCORP CREDIT MANAGEMENT (ICMB) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

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2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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