MIDCAP FINANCIAL INVESTMENT (MFIC) Stock Fundamental Analysis
USA - NASDAQ:MFIC - US03761U5020 - Common Stock
11.97 USD
+0.06 (+0.5%)
11.9889 USD
+0.02 (+0.16%)
We assign a fundamental rating of 3 out of 10 to MFIC. MFIC was compared to 237 industry peers in the Capital Markets industry. MFIC has a medium profitability rating, but doesn't score so well on its financial health evaluation. MFIC has a valuation in line with the averages, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
MFIC had positive earnings in the past year.
MFIC had a negative operating cash flow in the past year.
MFIC had positive earnings in 4 of the past 5 years.
The reported operating cash flow has been mixed in the past 5 years: MFIC reported negative operating cash flow in multiple years.
1.2 Ratios
MFIC's Return On Assets of 2.87% is in line compared to the rest of the industry. MFIC outperforms 53.16% of its industry peers.
MFIC has a Return On Equity (7.21%) which is in line with its industry peers.
With a Return On Invested Capital value of 3.36%, MFIC perfoms like the industry average, outperforming 47.26% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for MFIC is below the industry average of 7.11%.
The 3 year average ROIC (3.33%) for MFIC is below the current ROIC(3.36%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.87% | ||
| ROE | 7.21% | ||
| ROIC | 3.36% |
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
With a decent Profit Margin value of 30.60%, MFIC is doing good in the industry, outperforming 75.95% of the companies in the same industry.
MFIC's Profit Margin has improved in the last couple of years.
MFIC has a Operating Margin of 44.99%. This is amongst the best in the industry. MFIC outperforms 81.86% of its industry peers.
MFIC's Operating Margin has declined in the last couple of years.
MFIC has a Gross Margin (47.92%) which is in line with its industry peers.
In the last couple of years the Gross Margin of MFIC has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 44.99% | ||
| PM (TTM) | 30.6% | ||
| GM | 47.92% |
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
Compared to 1 year ago, MFIC has more shares outstanding
The number of shares outstanding for MFIC has been increased compared to 5 years ago.
MFIC has a better debt/assets ratio than last year.
2.2 Solvency
MFIC has an Altman-Z score of 0.06. This is a bad value and indicates that MFIC is not financially healthy and even has some risk of bankruptcy.
MFIC has a worse Altman-Z score (0.06) than 74.26% of its industry peers.
MFIC has a Debt/Equity ratio of 1.49. This is a high value indicating a heavy dependency on external financing.
Looking at the Debt to Equity ratio, with a value of 1.49, MFIC is doing worse than 70.89% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.49 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 0.06 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
MFIC has a Current Ratio of 2.62. This indicates that MFIC is financially healthy and has no problem in meeting its short term obligations.
Looking at the Current ratio, with a value of 2.62, MFIC is in the better half of the industry, outperforming 78.48% of the companies in the same industry.
A Quick Ratio of 2.62 indicates that MFIC has no problem at all paying its short term obligations.
Looking at the Quick ratio, with a value of 2.62, MFIC is in the better half of the industry, outperforming 78.90% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.62 | ||
| Quick Ratio | 2.62 |
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%.
MFIC shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -1.01% yearly.
Looking at the last year, MFIC shows a quite strong growth in Revenue. The Revenue has grown by 9.13% in the last year.
MFIC shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.42% yearly.
EPS 1Y (TTM)-13.97%
EPS 3Y0.98%
EPS 5Y-1.01%
EPS Q2Q%-13.64%
Revenue 1Y (TTM)9.13%
Revenue growth 3Y11.67%
Revenue growth 5Y3.42%
Sales Q2Q%16.77%
3.2 Future
Based on estimates for the next years, MFIC will show a decrease in Earnings Per Share. The EPS will decrease by -5.90% on average per year.
MFIC is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -0.46% yearly.
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
With a Price/Earnings ratio of 7.77, the valuation of MFIC can be described as very cheap.
Based on the Price/Earnings ratio, MFIC is valued cheaper than 82.70% of the companies in the same industry.
MFIC's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.89.
MFIC is valuated cheaply with a Price/Forward Earnings ratio of 7.94.
Compared to the rest of the industry, the Price/Forward Earnings ratio of MFIC indicates a rather cheap valuation: MFIC is cheaper than 83.12% of the companies listed in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 34.59, MFIC is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.77 | ||
| Fwd PE | 7.94 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
MFIC's earnings are expected to decrease with -5.90% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-6.67%
EPS Next 3Y-5.9%
5. Dividend
5.1 Amount
MFIC has a Yearly Dividend Yield of 11.64%, which is a nice return.
Compared to an average industry Dividend Yield of 8.53, MFIC pays a bit more dividend than its industry peers.
MFIC's Dividend Yield is rather good when compared to the S&P500 average which is at 2.44.
| 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.
The dividend of MFIC decreased in the last 3 years.
Dividend Growth(5Y)-0.67%
Div Incr Years2
Div Non Decr Years2
5.3 Sustainability
MFIC pays out 162.39% of its income as dividend. 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.
DP162.39%
EPS Next 2Y-6.67%
EPS Next 3Y-5.9%
11.97
+0.06 (+0.5%)
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 Cap1.12B
Revenue(TTM)301.78M
Net Income(TTM)99.22M
Analysts75.71
Price Target13.8 (15.29%)
Short Float %0.83%
Short Ratio1.72
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 11.64% |
Yearly Dividend1.76
Dividend Growth(5Y)-0.67%
DP162.39%
Div Incr Years2
Div Non Decr Years2
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-1.7%
Min EPS beat(2)-5.37%
Max EPS beat(2)1.96%
EPS beat(4)2
Avg EPS beat(4)-0.87%
Min EPS beat(4)-5.37%
Max EPS beat(4)2.17%
EPS beat(8)4
Avg EPS beat(8)-0.24%
EPS beat(12)7
Avg EPS beat(12)1.99%
EPS beat(16)8
Avg EPS beat(16)0.86%
Revenue beat(2)0
Avg Revenue beat(2)-5.09%
Min Revenue beat(2)-7.81%
Max Revenue beat(2)-2.37%
Revenue beat(4)0
Avg Revenue beat(4)-7.67%
Min Revenue beat(4)-13.35%
Max Revenue beat(4)-2.37%
Revenue beat(8)1
Avg Revenue beat(8)-4.21%
Revenue beat(12)4
Avg Revenue beat(12)-1.06%
Revenue beat(16)7
Avg Revenue beat(16)-0.62%
PT rev (1m)-1.89%
PT rev (3m)-2.18%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.33%
EPS NY rev (1m)-0.08%
EPS NY rev (3m)1.07%
Revenue NQ rev (1m)-0.47%
Revenue NQ rev (3m)1.58%
Revenue NY rev (1m)-0.13%
Revenue NY rev (3m)0.43%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.77 | ||
| Fwd PE | 7.94 | ||
| P/S | 3.44 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.81 | ||
| P/tB | 0.81 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.54
EY12.87%
EPS(NY)1.51
Fwd EY12.59%
FCF(TTM)-1.9
FCFYN/A
OCF(TTM)-1.9
OCFYN/A
SpS3.48
BVpS14.75
TBVpS14.75
PEG (NY)N/A
PEG (5Y)N/A
Graham Number22.61
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.87% | ||
| ROE | 7.21% | ||
| ROCE | 4.25% | ||
| ROIC | 3.36% | ||
| ROICexc | 3.43% | ||
| ROICexgc | 3.43% | ||
| OM | 44.99% | ||
| PM (TTM) | 30.6% | ||
| GM | 47.92% | ||
| 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-Score4
Asset Turnover0.09
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.49 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 1.24 | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | 2.62 | ||
| Quick Ratio | 2.62 | ||
| Altman-Z | 0.06 |
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)-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)9.13%
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 1Y26.03%
EBIT growth 3Y6.61%
EBIT growth 5Y0.86%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-175.91%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-175.91%
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 3 / 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 7.77 and the Price/Book (PB) ratio is 0.81.
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 162.39%.