12.2 USD
+0.09 (+0.74%)
12.2 USD
0 (0%)
MFIC gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 238 industry peers in the Capital Markets industry. There are concerns on the financial health of MFIC while its profitability can be described as average. MFIC has a valuation in line with the averages, but on the other hand it scores bad on growth.
1. Profitability
1.1 Basic Checks
MFIC had positive earnings in the past year.
In the past year MFIC has reported a negative cash flow from operations.
MFIC had positive earnings in 4 of the past 5 years.
In multiple years MFIC reported negative operating cash flow during the last 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 3.02%, MFIC is in line with its industry, outperforming 56.72% of the companies in the same industry.
Looking at the Return On Equity, with a value of 7.31%, MFIC is in line with its industry, outperforming 46.22% of the companies in the same industry.
MFIC has a Return On Invested Capital (3.58%) which is in line with its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for MFIC is below the industry average of 6.96%.
The 3 year average ROIC (3.33%) for MFIC is below the current ROIC(3.58%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.02% | ||
| ROE | 7.31% | ||
| ROIC | 3.58% |
ROA(3y)3.67%
ROA(5y)2.27%
ROE(3y)9.02%
ROE(5y)5.3%
ROIC(3y)3.33%
ROIC(5y)3.5%
1.3 Margins
MFIC's Profit Margin of 30.79% is fine compared to the rest of the industry. MFIC outperforms 76.05% of its industry peers.
MFIC's Profit Margin has improved in the last couple of years.
With an excellent Operating Margin value of 44.06%, MFIC belongs to the best of the industry, outperforming 81.09% of the companies in the same industry.
In the last couple of years the Operating Margin of MFIC has declined.
Looking at the Gross Margin, with a value of 46.74%, MFIC is in line with its industry, outperforming 55.46% of the companies in the same industry.
In the last couple of years the Gross Margin of MFIC has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 44.06% | ||
| PM (TTM) | 30.79% | ||
| GM | 46.74% |
OM growth 3Y-4.53%
OM growth 5Y-2.47%
PM growth 3Y-14.09%
PM growth 5Y3.04%
GM growth 3Y-5.92%
GM growth 5Y-3.38%
2. Health
2.1 Basic Checks
The number of shares outstanding for MFIC has been increased compared to 1 year ago.
MFIC has more shares outstanding than it did 5 years ago.
The debt/assets ratio for MFIC has been reduced compared to a year ago.
2.2 Solvency
Based on the Altman-Z score of 0.02, we must say that MFIC is in the distress zone and has some risk of bankruptcy.
MFIC has a worse Altman-Z score (0.02) than 75.63% of its industry peers.
A Debt/Equity ratio of 1.31 is on the high side and indicates that MFIC has dependencies on debt financing.
Looking at the Debt to Equity ratio, with a value of 1.31, MFIC is doing worse than 65.13% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.31 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 0.02 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
A Current Ratio of 0.53 indicates that MFIC may have some problems paying its short term obligations.
MFIC has a Current ratio of 0.53. This is in the lower half of the industry: MFIC underperforms 75.21% of its industry peers.
A Quick Ratio of 0.53 indicates that MFIC may have some problems paying its short term obligations.
The Quick ratio of MFIC (0.53) is worse than 74.79% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.53 | ||
| Quick Ratio | 0.53 |
3. Growth
3.1 Past
MFIC shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -13.97%.
The Earnings Per Share has been decreasing by -1.01% on average over the past years.
MFIC shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 11.35%.
Measured over the past years, MFIC shows a small growth in Revenue. The Revenue has been growing by 3.42% on average per year.
EPS 1Y (TTM)-13.97%
EPS 3Y0.98%
EPS 5Y-1.01%
EPS Q2Q%-13.64%
Revenue 1Y (TTM)11.35%
Revenue growth 3Y11.67%
Revenue growth 5Y3.42%
Sales Q2Q%16.77%
3.2 Future
The Earnings Per Share is expected to decrease by -5.90% on average over the next years.
The Revenue is expected to decrease by -0.46% on average over the next years.
EPS Next Y-10.68%
EPS Next 2Y-6.67%
EPS Next 3Y-5.9%
EPS Next 5YN/A
Revenue Next Year6.5%
Revenue Next 2Y1.53%
Revenue Next 3Y-0.46%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 7.92 indicates a rather cheap valuation of MFIC.
Based on the Price/Earnings ratio, MFIC is valued cheaply inside the industry as 82.35% of the companies are valued more expensively.
MFIC's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.31.
The Price/Forward Earnings ratio is 8.10, which indicates a very decent valuation of MFIC.
Based on the Price/Forward Earnings ratio, MFIC is valued cheaper than 84.03% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 36.59, MFIC is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.92 | ||
| Fwd PE | 8.1 |
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 MFIC's earnings are expected to decrease with -5.90% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-6.67%
EPS Next 3Y-5.9%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 11.64%, MFIC is a good candidate for dividend investing.
MFIC's Dividend Yield is a higher than the industry average which is at 8.45.
MFIC's Dividend Yield is rather good when compared to the S&P500 average which is at 2.34.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 11.64% |
5.2 History
The dividend of MFIC decreases each year by -0.67%.
MFIC has been paying a dividend for at least 10 years, so it has a reliable track record.
MFIC has decreased its dividend in the last 3 years.
Dividend Growth(5Y)-0.67%
Div Incr Years2
Div Non Decr Years2
5.3 Sustainability
142.24% of the earnings are spent on dividend by MFIC. This is not a sustainable payout ratio.
MFIC's earnings and Dividend Rate are declining. This means the current dividend is most likely not sustainable.
DP142.24%
EPS Next 2Y-6.67%
EPS Next 3Y-5.9%
12.2
+0.09 (+0.74%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)
Earnings (Next)
Inst Owners32.53%
Inst Owner ChangeN/A
Ins Owners0.78%
Ins Owner Change0%
Market Cap1.14B
Revenue(TTM)324.68M
Net Income(TTM)99.96M
Analysts75.71
Price Target13.29 (8.93%)
Short Float %1.02%
Short Ratio1.82
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 11.64% |
Yearly Dividend1.76
Dividend Growth(5Y)-0.67%
DP142.24%
Div Incr Years2
Div Non Decr Years2
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)0.16%
Min EPS beat(2)-1.64%
Max EPS beat(2)1.96%
EPS beat(4)1
Avg EPS beat(4)-1.82%
Min EPS beat(4)-5.37%
Max EPS beat(4)1.96%
EPS beat(8)4
Avg EPS beat(8)0.12%
EPS beat(12)6
Avg EPS beat(12)1.7%
EPS beat(16)7
Avg EPS beat(16)0.27%
Revenue beat(2)0
Avg Revenue beat(2)-2.62%
Min Revenue beat(2)-2.87%
Max Revenue beat(2)-2.37%
Revenue beat(4)0
Avg Revenue beat(4)-5.05%
Min Revenue beat(4)-7.81%
Max Revenue beat(4)-2.37%
Revenue beat(8)1
Avg Revenue beat(8)-4.24%
Revenue beat(12)3
Avg Revenue beat(12)-1.85%
Revenue beat(16)7
Avg Revenue beat(16)-0.5%
PT rev (1m)-5.51%
PT rev (3m)-5.8%
EPS NQ rev (1m)-2.31%
EPS NQ rev (3m)-2.63%
EPS NY rev (1m)0%
EPS NY rev (3m)0.33%
Revenue NQ rev (1m)-1.69%
Revenue NQ rev (3m)-1.39%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.25%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.92 | ||
| Fwd PE | 8.1 | ||
| P/S | 3.51 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.83 | ||
| P/tB | 0.83 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.54
EY12.62%
EPS(NY)1.51
Fwd EY12.35%
FCF(TTM)-0.01
FCFYN/A
OCF(TTM)-0.01
OCFYN/A
SpS3.48
BVpS14.66
TBVpS14.66
PEG (NY)N/A
PEG (5Y)N/A
Graham Number22.54
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.02% | ||
| ROE | 7.31% | ||
| ROCE | 4.53% | ||
| ROIC | 3.58% | ||
| ROICexc | 3.65% | ||
| ROICexgc | 3.65% | ||
| OM | 44.06% | ||
| PM (TTM) | 30.79% | ||
| GM | 46.74% | ||
| FCFM | N/A |
ROA(3y)3.67%
ROA(5y)2.27%
ROE(3y)9.02%
ROE(5y)5.3%
ROIC(3y)3.33%
ROIC(5y)3.5%
ROICexc(3y)3.42%
ROICexc(5y)3.58%
ROICexgc(3y)3.43%
ROICexgc(5y)3.59%
ROCE(3y)4.22%
ROCE(5y)4.43%
ROICexgc growth 3Y-1.22%
ROICexgc growth 5Y-4.03%
ROICexc growth 3Y-1.18%
ROICexc growth 5Y-4%
OM growth 3Y-4.53%
OM growth 5Y-2.47%
PM growth 3Y-14.09%
PM growth 5Y3.04%
GM growth 3Y-5.92%
GM growth 5Y-3.38%
F-Score3
Asset Turnover0.1
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.31 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 1.22 | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | 0.53 | ||
| Quick Ratio | 0.53 | ||
| Altman-Z | 0.02 |
F-Score3
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)-13.97%
EPS 3Y0.98%
EPS 5Y-1.01%
EPS Q2Q%-13.64%
EPS Next Y-10.68%
EPS Next 2Y-6.67%
EPS Next 3Y-5.9%
EPS Next 5YN/A
Revenue 1Y (TTM)11.35%
Revenue growth 3Y11.67%
Revenue growth 5Y3.42%
Sales Q2Q%16.77%
Revenue Next Year6.5%
Revenue Next 2Y1.53%
Revenue Next 3Y-0.46%
Revenue Next 5YN/A
EBIT growth 1Y13.55%
EBIT growth 3Y6.61%
EBIT growth 5Y0.86%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-100.69%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-100.69%
OCF growth 3YN/A
OCF growth 5YN/A
MIDCAP FINANCIAL INVESTMENT / MFIC FAQ
What is the ChartMill fundamental rating of MIDCAP FINANCIAL INVESTMENT (MFIC) stock?
ChartMill assigns a fundamental rating of 2 / 10 to MFIC.
Can you provide the valuation status for MIDCAP FINANCIAL INVESTMENT?
ChartMill assigns a valuation rating of 5 / 10 to MIDCAP FINANCIAL INVESTMENT (MFIC). This can be considered as Fairly Valued.
Can you provide the profitability details for MIDCAP FINANCIAL INVESTMENT?
MIDCAP FINANCIAL INVESTMENT (MFIC) has a profitability rating of 4 / 10.
What is the valuation of MIDCAP FINANCIAL INVESTMENT based on its PE and PB ratios?
The Price/Earnings (PE) ratio for MIDCAP FINANCIAL INVESTMENT (MFIC) is 7.92 and the Price/Book (PB) ratio is 0.83.
Can you provide the dividend sustainability for MFIC stock?
The dividend rating of MIDCAP FINANCIAL INVESTMENT (MFIC) is 5 / 10 and the dividend payout ratio is 142.24%.