INVESTCORP CREDIT MANAGEMENT (ICMB) Stock Fundamental Analysis
NASDAQ:ICMB - Nasdaq - US46090R1041 - Common Stock - Currency: USD
Overall ICMB gets a fundamental rating of 3 out of 10. We evaluated ICMB against 230 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.
1. Profitability
1.1 Basic Checks
ICMB had positive earnings in the past year.
ICMB had a positive 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.
1.2 Ratios
ICMB's Return On Assets of 2.07% is in line compared to the rest of the industry. ICMB outperforms 46.52% of its industry peers.
ICMB has a Return On Equity of 5.26%. This is in the lower half of the industry: ICMB underperforms 60.87% of its industry peers.
With a Return On Invested Capital value of 3.02%, ICMB is not doing good in the industry: 62.17% of the companies in the same industry are doing better.
The Average Return On Invested Capital over the past 3 years for ICMB is below the industry average of 7.09%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.07% | ||
| ROE | 5.26% | ||
| ROIC | 3.02% |
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
With a Profit Margin value of 16.91%, ICMB perfoms like the industry average, outperforming 54.78% of the companies in the same industry.
Looking at the Operating Margin, with a value of 29.36%, ICMB is in line with its industry, outperforming 51.74% of the companies in the same industry.
In the last couple of years the Operating Margin of ICMB has declined.
The Gross Margin of ICMB (43.07%) is worse than 60.00% of its industry peers.
In the last couple of years the Gross Margin of ICMB has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 29.36% | ||
| PM (TTM) | 16.91% | ||
| GM | 43.07% |
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%
2. Health
2.1 Basic Checks
ICMB has about the same amout of shares outstanding than it did 1 year ago.
ICMB has more shares outstanding than it did 5 years ago.
The debt/assets ratio for ICMB has been reduced compared to a year ago.
2.2 Solvency
ICMB has an Altman-Z score of -0.74. 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 -0.74, ICMB is doing worse than 84.35% of the companies in the same industry.
ICMB has a debt to FCF ratio of 4.12. This is a neutral value as ICMB would need 4.12 years to pay back of all of its debts.
ICMB's Debt to FCF ratio of 4.12 is fine compared to the rest of the industry. ICMB outperforms 70.87% of its industry peers.
A Debt/Equity ratio of 1.39 is on the high side and indicates that ICMB has dependencies on debt financing.
ICMB has a worse Debt to Equity ratio (1.39) than 66.96% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.39 | ||
| Debt/FCF | 4.12 | ||
| Altman-Z | -0.74 |
ROIC/WACCN/A
WACCN/A
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.
ICMB's Current ratio of 0.07 is on the low side compared to the rest of the industry. ICMB is outperformed by 92.17% of its industry peers.
A Quick Ratio of 0.07 indicates that ICMB may have some problems paying its short term obligations.
ICMB has a Quick ratio of 0.07. This is amonst the worse of the industry: ICMB underperforms 92.17% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.07 | ||
| Quick Ratio | 0.07 |
3. Growth
3.1 Past
ICMB shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -22.41%.
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%.
The Revenue has been decreasing by -7.04% on average over the past years.
EPS 1Y (TTM)-22.41%
EPS 3Y-9.61%
EPS 5Y-13.48%
EPS Q2Q%-57.14%
Revenue 1Y (TTM)-10.5%
Revenue growth 3Y-3.64%
Revenue growth 5Y-7.04%
Sales Q2Q%-23.5%
3.2 Future
ICMB is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -4.41% yearly.
Based on estimates for the next years, ICMB will show a decrease in Revenue. The Revenue will decrease by -5.95% on average per year.
EPS Next Y-8.62%
EPS Next 2Y-4.41%
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.
4. Valuation
4.1 Price/Earnings Ratio
ICMB is valuated cheaply with a Price/Earnings ratio of 6.36.
Based on the Price/Earnings ratio, ICMB is valued cheaply inside the industry as 89.57% of the companies are valued more expensively.
Compared to an average S&P500 Price/Earnings ratio of 28.98, ICMB is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 6.52, the valuation of ICMB can be described as very cheap.
91.74% of the companies in the same industry are more expensive than ICMB, based on the Price/Forward Earnings ratio.
ICMB's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 21.38.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.36 | ||
| Fwd PE | 6.52 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of ICMB indicates a rather cheap valuation: ICMB is cheaper than 94.35% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.53 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
ICMB's earnings are expected to decrease with -4.41% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-4.41%
EPS Next 3YN/A
5. Dividend
5.1 Amount
ICMB has a Yearly Dividend Yield of 15.00%, which is a nice return.
Compared to an average industry Dividend Yield of 8.31, ICMB pays a better dividend. On top of this ICMB pays more dividend than 91.30% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.46, ICMB pays a better dividend.
| 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.
The dividend of ICMB decreased recently.
Dividend Growth(5Y)-4.85%
Div Incr Years1
Div Non Decr Years1
5.3 Sustainability
ICMB pays out 204.80% of its income as dividend. This is not a sustainable payout ratio.
The Dividend Rate of ICMB has been decling, while earnings will also be declining. This means the current dividend is most likely not sustainable.
DP204.8%
EPS Next 2Y-4.41%
EPS Next 3YN/A
NASDAQ:ICMB (4/30/2025, 3:57:21 PM)
2.86
-0.02 (-0.69%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)
Earnings (Next)
Inst Owners19.19%
Inst Owner Change0%
Ins Owners1.09%
Ins Owner Change0.19%
Market Cap41.21M
Analysts43.33
Price TargetN/A
Short Float %0.14%
Short Ratio0.34
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 15% |
Yearly Dividend0.78
Dividend Growth(5Y)-4.85%
DP204.8%
Div Incr Years1
Div Non Decr Years1
Ex-Date
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)-0.53%
Revenue beat(12)6
Avg Revenue beat(12)-1.72%
Revenue beat(16)9
Avg Revenue beat(16)-1.26%
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)-12.24%
EPS NY rev (3m)-12.24%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)-3.43%
Revenue NY rev (3m)-3.43%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.36 | ||
| Fwd PE | 6.52 | ||
| P/S | 1.66 | ||
| P/FCF | 1.53 | ||
| P/OCF | 1.53 | ||
| P/B | 0.52 | ||
| P/tB | 0.52 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.45
EY15.73%
EPS(NY)0.44
Fwd EY15.34%
FCF(TTM)1.87
FCFY65.29%
OCF(TTM)1.87
OCFY65.29%
SpS1.72
BVpS5.54
TBVpS5.54
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.07% | ||
| ROE | 5.26% | ||
| ROCE | 5.09% | ||
| ROIC | 3.02% | ||
| ROICexc | 3.05% | ||
| ROICexgc | 3.05% | ||
| OM | 29.36% | ||
| PM (TTM) | 16.91% | ||
| GM | 43.07% | ||
| FCFM | 108.38% |
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-Score7
Asset Turnover0.12
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.39 | ||
| Debt/FCF | 4.12 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 0.85 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 640.92% | ||
| Current Ratio | 0.07 | ||
| Quick Ratio | 0.07 | ||
| Altman-Z | -0.74 |
F-Score7
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)-22.41%
EPS 3Y-9.61%
EPS 5Y-13.48%
EPS Q2Q%-57.14%
EPS Next Y-8.62%
EPS Next 2Y-4.41%
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%-23.5%
Revenue Next Year-10.78%
Revenue Next 2Y-5.95%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-16.5%
EBIT growth 3Y-10.19%
EBIT growth 5Y-13.36%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y120.02%
FCF growth 3Y22.4%
FCF growth 5YN/A
OCF growth 1Y120.02%
OCF growth 3Y22.4%
OCF growth 5YN/A