LRFC Fundamental Analysis - LOGAN RIDGE FINANCE CORP

Fundamental Rating

LRFC gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 238 industry peers in the Capital Markets industry. LRFC scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. LRFC has a expensive valuation and it also scores bad on growth.

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1. Profitability

1.1 Basic Checks

In the past year LRFC has reported negative net income.

In the past year LRFC had a positive cash flow from operations.

LRFC had negative earnings in each of the past 5 years.

LRFC had a positive operating cash flow in 4 of the past 5 years.

1.2 Ratios

Looking at the Return On Assets, with a value of -0.02%, LRFC is doing worse than 73.73% of the companies in the same industry.

LRFC has a worse Return On Equity (-0.04%) than 72.46% of its industry peers.

LRFC has a Return On Invested Capital of 1.75%. This is in the lower half of the industry: LRFC underperforms 66.10% of its industry peers.

		Industry Rank	Sector Rank
ROA	-0.02%
ROE	-0.04%
ROIC	1.75%

ROA(3y)-2.29%

ROA(5y)-3.69%

ROE(3y)-5.16%

ROE(5y)-9.96%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

LRFC's Operating Margin of 20.03% is in line compared to the rest of the industry. LRFC outperforms 41.10% of its industry peers.

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

With a Gross Margin value of 43.01%, LRFC is not doing good in the industry: 60.17% of the companies in the same industry are doing better.

LRFC's Gross Margin has improved in the last couple of years.

		Industry Rank	Sector Rank
OM	20.03%
PM (TTM)	N/A
GM	43.01%

OM growth 3YN/A

OM growth 5Y-7.56%

PM growth 3YN/A

PM growth 5YN/A

GM growth 3Y75.18%

GM growth 5Y1.65%

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

The number of shares outstanding for LRFC has been reduced compared to 1 year ago.

LRFC has less shares outstanding than it did 5 years ago.

The debt/assets ratio for LRFC is higher compared to a year ago.

2.2 Solvency

Based on the Altman-Z score of -0.19, we must say that LRFC is in the distress zone and has some risk of bankruptcy.

LRFC's Altman-Z score of -0.19 is on the low side compared to the rest of the industry. LRFC is outperformed by 77.54% of its industry peers.

LRFC has a debt to FCF ratio of 7.43. This is a slightly negative value and a sign of low solvency as LRFC would need 7.43 years to pay back of all of its debts.

LRFC has a Debt to FCF ratio (7.43) which is comparable to the rest of the industry.

A Debt/Equity ratio of 1.22 is on the high side and indicates that LRFC has dependencies on debt financing.

LRFC has a worse Debt to Equity ratio (1.22) than 60.59% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	1.22
Debt/FCF	7.43
Altman-Z	-0.19

ROIC/WACCN/A

WACCN/A

2.3 Liquidity

A Current Ratio of 5.58 indicates that LRFC has no problem at all paying its short term obligations.

LRFC has a better Current ratio (5.58) than 88.56% of its industry peers.

LRFC has a Quick Ratio of 5.58. This indicates that LRFC is financially healthy and has no problem in meeting its short term obligations.

LRFC's Quick ratio of 5.58 is amongst the best of the industry. LRFC outperforms 88.56% of its industry peers.

		Industry Rank	Sector Rank
Current Ratio	5.58
Quick Ratio	5.58

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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

LRFC shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -340.71%.

Looking at the last year, LRFC shows a small growth in Revenue. The Revenue has grown by 3.14% in the last year.

The Revenue for LRFC have been decreasing by -13.84% on average. This is quite bad

EPS 1Y (TTM)-340.71%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%-410.77%

Revenue 1Y (TTM)3.14%

Revenue growth 3Y7.68%

Revenue growth 5Y-13.84%

Sales Q2Q%-7.44%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.

No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.

EPS Next Y-1878.8%

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year-4.39%

Revenue Next 2YN/A

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.

No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for LRFC. In the last year negative earnings were reported.

Also next year LRFC is expected to report negative earnings again, which makes the also the Forward Price/Earnings Ratio negative.

		Industry Rank	Sector Rank
PE	N/A
Fwd PE	N/A

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, LRFC is valued cheaply inside the industry as 85.17% of the companies are valued more expensively.

		Industry Rank	Sector Rank
P/FCF	3.63
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)N/A

EPS Next 2YN/A

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 7.39%, LRFC is a good candidate for dividend investing.

LRFC's Dividend Yield is a higher than the industry average which is at 8.50.

LRFC's Dividend Yield is rather good when compared to the S&P500 average which is at 2.44.

		Industry Rank	Sector Rank
Dividend Yield	7.39%

5.2 History

The dividend of LRFC decreases each year by -24.64%.

LRFC has been paying a dividend for at least 10 years, so it has a reliable track record.

Dividend Growth(5Y)-24.64%

Div Incr Years0

Div Non Decr Years0

5.3 Sustainability

The earnings of LRFC are negative and hence is the payout ratio. LRFC will probably not be able to sustain this dividend level.

The Dividend Rate of LRFC has been decling, while earnings will also be declining. This means the current dividend is most likely not sustainable.

DP-11900%

EPS Next 2YN/A

EPS Next 3YN/A

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LOGAN RIDGE FINANCE CORP

NASDAQ:LRFC (7/14/2025, 8:00:01 PM)

19.08

+0.08 (+0.42%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupFinancial Services

GICS IndustryCapital Markets

Earnings (Last)05-08 2025-05-08/amc

Earnings (Next)08-12 2025-08-12/amc

Inst Owners30.24%

Inst Owner Change0%

Ins Owners10.38%

Ins Owner Change-47.56%

Market Cap50.75M

Analysts85.71

Price Target24.48 (28.3%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	7.39%

Yearly Dividend1.34

Dividend Growth(5Y)-24.64%

DP-11900%

Div Incr Years0

Div Non Decr Years0

Ex-Date05-19 2025-05-19 (0.36)

Surprises & Revisions

EPS beat(2)0

Avg EPS beat(2)-161.46%

Min EPS beat(2)-236.17%

Max EPS beat(2)-86.75%

EPS beat(4)1

Avg EPS beat(4)-103.98%

Min EPS beat(4)-236.17%

Max EPS beat(4)77.02%

EPS beat(8)3

Avg EPS beat(8)-68.99%

EPS beat(12)4

Avg EPS beat(12)-397.99%

EPS beat(16)4

Avg EPS beat(16)-967.4%

Revenue beat(2)1

Avg Revenue beat(2)2.37%

Min Revenue beat(2)-1.04%

Max Revenue beat(2)5.78%

Revenue beat(4)1

Avg Revenue beat(4)-1.27%

Min Revenue beat(4)-5.99%

Max Revenue beat(4)5.78%

Revenue beat(8)2

Avg Revenue beat(8)-2.17%

Revenue beat(12)N/A

Avg Revenue beat(12)N/A

Revenue beat(16)N/A

Avg Revenue beat(16)N/A

PT rev (1m)0%

PT rev (3m)-11.11%

EPS NQ rev (1m)0%

EPS NQ rev (3m)0%

EPS NY rev (1m)0%

EPS NY rev (3m)-166.9%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)0%

Revenue NY rev (1m)0%

Revenue NY rev (3m)-3.92%

Valuation

		Industry Rank	Sector Rank
PE	N/A
Fwd PE	N/A
P/S	2.43
P/FCF	3.63
P/OCF	3.63
P/B	0.6
P/tB	0.6
EV/EBITDA	N/A

EPS(TTM)-2.72

EYN/A

EPS(NY)-0.99

Fwd EYN/A

FCF(TTM)5.26

FCFY27.58%

OCF(TTM)5.26

OCFY27.58%

SpS7.86

BVpS31.95

TBVpS31.95

PEG (NY)N/A

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	-0.02%
ROE	-0.04%
ROCE	2.21%
ROIC	1.75%
ROICexc	1.9%
ROICexgc	1.9%
OM	20.03%
PM (TTM)	N/A
GM	43.01%
FCFM	66.93%

ROA(3y)-2.29%

ROA(5y)-3.69%

ROE(3y)-5.16%

ROE(5y)-9.96%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5Y-7.98%

ROICexc growth 3YN/A

ROICexc growth 5Y-8.01%

OM growth 3YN/A

OM growth 5Y-7.56%

PM growth 3YN/A

PM growth 5YN/A

GM growth 3Y75.18%

GM growth 5Y1.65%

F-Score7

Asset Turnover0.11

Health

		Industry Rank	Sector Rank
Debt/Equity	1.22
Debt/FCF	7.43
Debt/EBITDA	N/A
Cap/Depr	N/A
Cap/Sales	N/A
Interest Coverage	0.55
Cash Conversion	N/A
Profit Quality	N/A
Current Ratio	5.58
Quick Ratio	5.58
Altman-Z	-0.19

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)-340.71%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%-410.77%

EPS Next Y-1878.8%

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)3.14%

Revenue growth 3Y7.68%

Revenue growth 5Y-13.84%

Sales Q2Q%-7.44%

Revenue Next Year-4.39%

Revenue Next 2YN/A

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1Y9.09%

EBIT growth 3YN/A

EBIT growth 5Y-20.35%

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y-17.65%

FCF growth 3Y-44.58%

FCF growth 5Y-26.35%

OCF growth 1Y-17.65%

OCF growth 3Y-44.58%

OCF growth 5Y-26.35%

LOGAN RIDGE FINANCE CORP (LRFC) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

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

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5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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