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INVESTCORP CREDIT MANAGEMENT (ICMB) Stock Fundamental Analysis

NASDAQ:ICMB - Nasdaq - US46090R1041 - Common Stock - Currency: USD

2.83  -0.24 (-7.82%)

Fundamental Rating

2

We assign a fundamental rating of 2 out of 10 to ICMB. ICMB was compared to 231 industry peers in the Capital Markets industry. ICMB has a bad profitability rating. Also its financial health evaluation is rather negative. ICMB is valued correctly, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

In the past year ICMB was profitable.
ICMB had a negative operating cash flow in the past year.
The reported net income has been mixed in the past 5 years: ICMB reported negative net income in multiple years.
Of the past 5 years ICMB 4 years had a positive operating cash flow.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20M -20M 40M -40M

1.2 Ratios

ICMB has a Return On Assets (3.03%) which is comparable to the rest of the industry.
ICMB has a Return On Equity (8.06%) which is comparable to the rest of the industry.
ICMB has a worse Return On Invested Capital (2.01%) than 64.35% of its industry peers.
The Average Return On Invested Capital over the past 3 years for ICMB is below the industry average of 7.24%.
Industry RankSector 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%
ICMB Yearly ROA, ROE, ROICICMB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 -20

1.3 Margins

The Profit Margin of ICMB (29.82%) is better than 72.61% of its industry peers.
ICMB has a Operating Margin of 23.96%. This is comparable to the rest of the industry: ICMB outperforms 45.65% 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 66.96% of its industry peers.
ICMB's Gross Margin has declined in the last couple of years.
Industry RankSector 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%
ICMB Yearly Profit, Operating, Gross MarginsICMB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50 -50

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1

2. Health

2.1 Basic Checks

The number of shares outstanding for ICMB remains at a similar level compared to 1 year ago.
ICMB has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, ICMB has an improved debt to assets ratio.
ICMB Yearly Shares OutstandingICMB Yearly Shares OutstandingYearly Shares Outstanding 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M

2.2 Solvency

Based on the Altman-Z score of -0.83, we must say that ICMB is in the distress zone and has some risk of bankruptcy.
With a Altman-Z score value of -0.83, ICMB is not doing good in the industry: 84.35% of the companies in the same industry are doing better.
A Debt/Equity ratio of 1.53 is on the high side and indicates that ICMB has dependencies on debt financing.
ICMB's Debt to Equity ratio of 1.53 is on the low side compared to the rest of the industry. ICMB is outperformed by 72.17% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.53
Debt/FCF N/A
Altman-Z -0.83
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M 100M 150M

2.3 Liquidity

ICMB has a Current 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.
Looking at the Current ratio, with a value of 0.07, ICMB is doing worse than 92.17% of the companies in the same industry.
A Quick Ratio of 0.07 indicates that ICMB may have some problems paying its short term obligations.
The Quick ratio of ICMB (0.07) is worse than 92.17% of its industry peers.
Industry RankSector Rank
Current Ratio 0.07
Quick Ratio 0.07
ICMB Yearly Current Assets VS Current LiabilitesICMB Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M

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1

3. Growth

3.1 Past

The earnings per share for ICMB have decreased strongly by -35.19% in the last year.
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.
Looking at the last year, ICMB shows a very negative growth in Revenue. The Revenue has decreased by -10.50% in the last year.
Measured over the past years, ICMB shows a decrease in Revenue. The Revenue has been decreasing by -7.04% on average per year.
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

The Earnings Per Share is expected to decrease by -6.66% on average over the next years.
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.
ICMB Yearly Revenue VS EstimatesICMB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5

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5

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 8.09, the valuation of ICMB can be described as reasonable.
Based on the Price/Earnings ratio, ICMB is valued cheaper than 83.48% of the companies in the same industry.
ICMB is valuated cheaply when we compare the Price/Earnings ratio to 25.91, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 6.77, the valuation of ICMB can be described as very cheap.
ICMB's Price/Forward Earnings ratio is rather cheap when compared to the industry. ICMB is cheaper than 91.74% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 21.77, ICMB is valued rather cheaply.
Industry RankSector Rank
PE 8.09
Fwd PE 6.77
ICMB Price Earnings VS Forward Price EarningsICMB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

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 2 4

4.3 Compensation for Growth

A cheap valuation may be justified as ICMB's earnings are expected to decrease with -6.66% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-6.66%
EPS Next 3YN/A

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5

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 15.00%, ICMB is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 8.18, ICMB pays a better dividend. On top of this ICMB pays more dividend than 91.74% of the companies listed in the same industry.
ICMB's Dividend Yield is rather good when compared to the S&P500 average which is at 2.40.
Industry RankSector Rank
Dividend Yield 15%

5.2 History

The dividend of ICMB decreases each year by -4.85%.
ICMB has paid a dividend for at least 10 years, which is a reliable track record.
The dividend of ICMB decreased recently.
Dividend Growth(5Y)-4.85%
Div Incr Years1
Div Non Decr Years1
ICMB Yearly Dividends per shareICMB Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8 1

5.3 Sustainability

ICMB has negative earnings and hence a negative payout ratio. The dividend may be in danger.
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
ICMB Yearly Income VS Free CF VS DividendICMB Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20M -20M 40M -40M

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INVESTCORP CREDIT MANAGEMENT

NASDAQ:ICMB (5/23/2025, 8:23:51 PM)

2.83

-0.24 (-7.82%)

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 Owners19.19%
Inst Owner Change19.65%
Ins Owners1.09%
Ins Owner Change0.19%
Market Cap40.78M
Analysts43.33
Price TargetN/A
Short Float %0.58%
Short Ratio1.4
Dividend
Industry RankSector Rank
Dividend Yield 15%
Yearly Dividend0.78
Dividend Growth(5Y)-4.85%
DP-55%
Div Incr Years1
Div Non Decr Years1
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)9.3%
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)-3.43%
Valuation
Industry RankSector Rank
PE 8.09
Fwd PE 6.77
P/S 1.93
P/FCF N/A
P/OCF N/A
P/B 0.52
P/tB 0.52
EV/EBITDA N/A
EPS(TTM)0.35
EY12.37%
EPS(NY)0.42
Fwd EY14.78%
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 RankSector 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 RankSector 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 -0.83
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