INVESTCORP CREDIT MANAGEMENT (ICMB) Stock Fundamental Analysis
USA - NASDAQ:ICMB - US46090R1041 - Common Stock
2.794 USD
-0.01 (-0.21%)
ICMB gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 237 industry peers in the Capital Markets industry. ICMB has a bad profitability rating. Also its financial health evaluation is rather negative. ICMB has a valuation in line with the averages, but on the other hand it scores bad on growth.
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.
ICMB had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
ICMB has a Return On Assets (3.49%) which is in line with its industry peers.
ICMB's Return On Equity of 10.28% is in line compared to the rest of the industry. ICMB outperforms 58.30% of its industry peers.
ICMB has a worse Return On Invested Capital (1.63%) than 65.11% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for ICMB is below the industry average of 7.59%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.49% | ||
| ROE | 10.28% | ||
| ROIC | 1.63% |
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
Looking at the Profit Margin, with a value of 38.05%, ICMB belongs to the top of the industry, outperforming 80.85% of the companies in the same industry.
ICMB's Operating Margin of 21.20% is in line compared to the rest of the industry. ICMB outperforms 45.11% of its industry peers.
In the last couple of years the Operating Margin of ICMB has declined.
ICMB has a Gross Margin of 37.86%. This is in the lower half of the industry: ICMB underperforms 62.13% of its industry peers.
In the last couple of years the Gross Margin of ICMB has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 21.2% | ||
| PM (TTM) | 38.05% | ||
| GM | 37.86% |
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.
Compared to 1 year ago, ICMB has an improved debt to assets ratio.
2.2 Solvency
ICMB has an Altman-Z score of -0.90. This is a bad value and indicates that ICMB is not financially healthy and even has some risk of bankruptcy.
ICMB's Altman-Z score of -0.90 is on the low side compared to the rest of the industry. ICMB is outperformed by 82.98% of its industry peers.
A Debt/Equity ratio of 1.77 is on the high side and indicates that ICMB has dependencies on debt financing.
ICMB has a worse Debt to Equity ratio (1.77) than 77.87% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.77 | ||
| Debt/FCF | N/A | ||
| Altman-Z | -0.9 |
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.
Looking at the Current ratio, with a value of 0.07, ICMB is doing worse than 94.04% 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.
ICMB has a worse Quick ratio (0.07) than 94.04% 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 -26.15%.
The earnings per share for ICMB have been decreasing by -13.48% on average. This is quite bad
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)-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
ICMB is expected to show a very negative growth in Earnings Per Share. In the coming years, the EPS will decrease by -34.81% yearly.
The Revenue is expected to decrease by -5.95% on average over the next years.
EPS Next Y-0.12%
EPS Next 2Y-34.81%
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
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 5.82, the valuation of ICMB can be described as very cheap.
Based on the Price/Earnings ratio, ICMB is valued cheaper than 89.79% of the companies in the same industry.
ICMB is valuated cheaply when we compare the Price/Earnings ratio to 26.11, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 13.70, the valuation of ICMB can be described as correct.
The rest of the industry has a similar Price/Forward Earnings ratio as ICMB.
ICMB's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 22.55.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.82 | ||
| Fwd PE | 13.7 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
A cheap valuation may be justified as ICMB's earnings are expected to decrease with -34.81% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-34.81%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 15.00%, ICMB is a good candidate for dividend investing.
ICMB's Dividend Yield is rather good when compared to the industry average which is at 8.40. ICMB pays more dividend than 89.79% of the companies in the same industry.
ICMB's Dividend Yield is rather good when compared to the S&P500 average which is at 2.37.
| Industry Rank | Sector 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.
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.
ICMB's earnings and Dividend Rate are declining. This means the current dividend is most likely not sustainable.
DP-55.64%
EPS Next 2Y-34.81%
EPS Next 3YN/A
NASDAQ:ICMB (10/31/2025, 8:00:02 PM)
2.794
-0.01 (-0.21%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)
Earnings (Next)
Inst Owners21.1%
Inst Owner Change-6.55%
Ins Owners1.09%
Ins Owner Change0%
Market Cap40.32M
Revenue(TTM)23.88M
Net Income(TTM)7.81M
Analysts43.33
Price TargetN/A
Short Float %0.36%
Short Ratio1.08
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 15% |
Yearly Dividend0.78
Dividend Growth(5Y)-4.85%
DP-55.64%
Div Incr Years0
Div Non Decr Years0
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)5.17%
Min EPS beat(2)-46.52%
Max EPS beat(2)56.86%
EPS beat(4)2
Avg EPS beat(4)-3%
Min EPS beat(4)-46.52%
Max EPS beat(4)56.86%
EPS beat(8)4
Avg EPS beat(8)-4.89%
EPS beat(12)5
Avg EPS beat(12)-11.24%
EPS beat(16)6
Avg EPS beat(16)-11.75%
Revenue beat(2)1
Avg Revenue beat(2)8.07%
Min Revenue beat(2)-14.02%
Max Revenue beat(2)30.17%
Revenue beat(4)2
Avg Revenue beat(4)0.69%
Min Revenue beat(4)-18.36%
Max Revenue beat(4)30.17%
Revenue beat(8)3
Avg Revenue beat(8)-2.66%
Revenue beat(12)6
Avg Revenue beat(12)-0.56%
Revenue beat(16)7
Avg Revenue beat(16)-1.44%
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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.82 | ||
| Fwd PE | 13.7 | ||
| P/S | 1.96 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.53 | ||
| P/tB | 0.53 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.48
EY17.18%
EPS(NY)0.2
Fwd EY7.3%
FCF(TTM)-3.15
FCFYN/A
OCF(TTM)-3.15
OCFYN/A
SpS1.42
BVpS5.27
TBVpS5.27
PEG (NY)N/A
PEG (5Y)N/A
Graham Number7.54
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.49% | ||
| ROE | 10.28% | ||
| ROCE | 3.1% | ||
| ROIC | 1.63% | ||
| ROICexc | 1.65% | ||
| ROICexgc | 1.65% | ||
| OM | 21.2% | ||
| PM (TTM) | 38.05% | ||
| GM | 37.86% | ||
| 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-Score4
Asset Turnover0.09
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.77 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | -3.08 | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | 0.07 | ||
| Quick Ratio | 0.07 | ||
| Altman-Z | -0.9 |
F-Score4
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-0.12%
EPS Next 2Y-34.81%
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%-11.21%
Revenue Next Year-10.78%
Revenue Next 2Y-5.95%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-33.97%
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-623.13%
FCF growth 3Y22.4%
FCF growth 5YN/A
OCF growth 1Y-623.13%
OCF growth 3Y22.4%
OCF growth 5YN/A
INVESTCORP CREDIT MANAGEMENT / ICMB FAQ
What is the fundamental rating for ICMB stock?
ChartMill assigns a fundamental rating of 2 / 10 to ICMB.
What is the valuation status for ICMB stock?
ChartMill assigns a valuation rating of 4 / 10 to INVESTCORP CREDIT MANAGEMENT (ICMB). This can be considered as Fairly Valued.
How profitable is INVESTCORP CREDIT MANAGEMENT (ICMB) stock?
INVESTCORP CREDIT MANAGEMENT (ICMB) has a profitability rating of 3 / 10.
What are the PE and PB ratios of INVESTCORP CREDIT MANAGEMENT (ICMB) stock?
The Price/Earnings (PE) ratio for INVESTCORP CREDIT MANAGEMENT (ICMB) is 5.82 and the Price/Book (PB) ratio is 0.53.
What is the expected EPS growth for INVESTCORP CREDIT MANAGEMENT (ICMB) stock?
The Earnings per Share (EPS) of INVESTCORP CREDIT MANAGEMENT (ICMB) is expected to decline by -0.12% in the next year.