11.23 USD
-0.13 (-1.14%)
11.23 USD
0 (0%)
MFIC gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 235 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.
- MFIC had a negative operating cash flow in the past year.
- Of the past 5 years MFIC 4 years were profitable.
- 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 has a Return On Assets of 3.02%. This is comparable to the rest of the industry: MFIC outperforms 57.87% of its industry peers.
- With a Return On Equity value of 7.31%, MFIC perfoms like the industry average, outperforming 47.66% of the companies in the same industry.
- With a Return On Invested Capital value of 3.58%, MFIC perfoms like the industry average, outperforming 50.64% of the companies in the same industry.
- MFIC had an Average Return On Invested Capital over the past 3 years of 3.33%. This is below the industry average of 7.17%.
- 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
- With a decent Profit Margin value of 30.79%, MFIC is doing good in the industry, outperforming 77.45% of the companies in the same industry.
- In the last couple of years the Profit Margin of MFIC has grown nicely.
- The Operating Margin of MFIC (44.06%) is better than 80.43% of its industry peers.
- MFIC's Operating Margin has declined in the last couple of years.
- MFIC has a Gross Margin (46.74%) which is in line with its industry peers.
- MFIC's Gross Margin has declined in the last couple of years.
| 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
- Compared to 1 year ago, MFIC has more shares outstanding
- MFIC has more shares outstanding than it did 5 years ago.
- Compared to 1 year ago, MFIC has an improved debt to assets ratio.
2.2 Solvency
- MFIC has an Altman-Z score of 0.00. 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 (0.00) than 73.62% 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.
- The Debt to Equity ratio of MFIC (1.31) is worse than 63.83% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.31 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 0 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
- MFIC has a Current Ratio of 0.53. This is a bad value and indicates that MFIC is not financially healthy enough and could expect problems in meeting its short term obligations.
- MFIC's Current ratio of 0.53 is on the low side compared to the rest of the industry. MFIC is outperformed by 72.34% of its industry peers.
- A Quick Ratio of 0.53 indicates that MFIC may have some problems paying its short term obligations.
- With a Quick ratio value of 0.53, MFIC is not doing good in the industry: 72.34% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.53 | ||
| Quick Ratio | 0.53 |
3. Growth
3.1 Past
- The earnings per share for MFIC have decreased strongly by -13.97% in the last year.
- The Earnings Per Share has been decreasing by -1.01% on average over the past years.
- Looking at the last year, MFIC shows a quite strong growth in Revenue. The Revenue has grown by 11.35% 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)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 -5.75% on average over the next years.
- Based on estimates for the next years, MFIC will show a decrease in Revenue. The Revenue will decrease by -1.37% on average per year.
EPS Next Y-11.56%
EPS Next 2Y-8.42%
EPS Next 3Y-5.75%
EPS Next 5YN/A
Revenue Next Year5.49%
Revenue Next 2Y0.28%
Revenue Next 3Y-1.37%
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 decreasing.
- The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- The Price/Earnings ratio is 7.29, which indicates a rather cheap valuation of MFIC.
- MFIC's Price/Earnings ratio is rather cheap when compared to the industry. MFIC is cheaper than 84.68% of the companies in the same industry.
- The average S&P500 Price/Earnings ratio is at 27.30. MFIC is valued rather cheaply when compared to this.
- The Price/Forward Earnings ratio is 7.74, which indicates a rather cheap valuation of MFIC.
- 85.96% of the companies in the same industry are more expensive than MFIC, based on the Price/Forward Earnings ratio.
- MFIC is valuated cheaply when we compare the Price/Forward Earnings ratio to 24.04, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.29 | ||
| Fwd PE | 7.74 |
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 -5.75% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-8.42%
EPS Next 3Y-5.75%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 11.64%, MFIC is a good candidate for dividend investing.
- Compared to an average industry Dividend Yield of 6.19, 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 1.92.
| 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-8.42%
EPS Next 3Y-5.75%
11.23
-0.13 (-1.14%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)11-06 2025-11-06/amc
Earnings (Next)02-23 2026-02-23/amc
Inst Owners32.87%
Inst Owner ChangeN/A
Ins Owners0.78%
Ins Owner Change0%
Market Cap1.05B
Revenue(TTM)324.68M
Net Income(TTM)99.96M
Analysts72.86
Price Target13.16 (17.19%)
Short Float %0.95%
Short Ratio1.4
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-DateN/A
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)0%
PT rev (3m)-6.42%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-3.28%
EPS NY rev (1m)-0.08%
EPS NY rev (3m)-1.07%
Revenue NQ rev (1m)-0.36%
Revenue NQ rev (3m)-2.62%
Revenue NY rev (1m)-0.12%
Revenue NY rev (3m)-1.07%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.29 | ||
| Fwd PE | 7.74 | ||
| P/S | 3.23 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.77 | ||
| P/tB | 0.77 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.54
EY13.71%
EPS(NY)1.45
Fwd EY12.92%
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 |
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-11.56%
EPS Next 2Y-8.42%
EPS Next 3Y-5.75%
EPS Next 5YN/A
Revenue 1Y (TTM)11.35%
Revenue growth 3Y11.67%
Revenue growth 5Y3.42%
Sales Q2Q%16.77%
Revenue Next Year5.49%
Revenue Next 2Y0.28%
Revenue Next 3Y-1.37%
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.
What is the valuation status for MFIC stock?
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 are the PE and PB ratios of MIDCAP FINANCIAL INVESTMENT (MFIC) stock?
The Price/Earnings (PE) ratio for MIDCAP FINANCIAL INVESTMENT (MFIC) is 7.29 and the Price/Book (PB) ratio is 0.77.
Is the dividend of MIDCAP FINANCIAL INVESTMENT sustainable?
The dividend rating of MIDCAP FINANCIAL INVESTMENT (MFIC) is 5 / 10 and the dividend payout ratio is 142.24%.