MIDCAP FINANCIAL INVESTMENT (MFIC) Stock Fundamental Analysis
USA - NASDAQ:MFIC - US03761U5020 - Common Stock
12.19 USD
-0.18 (-1.46%)
12.1 USD
-0.09 (-0.74%)
Overall MFIC gets a fundamental rating of 3 out of 10. We evaluated MFIC against 236 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.
Of the past 5 years MFIC 4 years were profitable.
In multiple years MFIC reported negative operating cash flow during the last 5 years.
1.2 Ratios
MFIC has a Return On Assets (2.87%) which is in line with its industry peers.
MFIC has a Return On Equity of 7.21%. This is comparable to the rest of the industry: MFIC outperforms 47.03% of its industry peers.
With a Return On Invested Capital value of 3.36%, MFIC perfoms like the industry average, outperforming 44.92% 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 7.59%.
The last Return On Invested Capital (3.36%) for MFIC is above the 3 year average (3.33%), which is a sign of increasing profitability.
| 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
MFIC has a better Profit Margin (30.60%) than 75.42% of its industry peers.
In the last couple of years the Profit Margin of MFIC has grown nicely.
With a decent Operating Margin value of 44.99%, MFIC is doing good in the industry, outperforming 78.81% of the companies in the same industry.
In the last couple of years the Operating Margin of MFIC has declined.
The Gross Margin of MFIC (47.92%) is comparable to the rest of the industry.
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
The number of shares outstanding for MFIC has been increased compared to 1 year ago.
Compared to 5 years ago, MFIC has more shares outstanding
Compared to 1 year ago, MFIC has an improved debt to assets ratio.
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.
With a Altman-Z score value of 0.06, MFIC is not doing good in the industry: 73.31% of the companies in the same industry are doing better.
A Debt/Equity ratio of 1.49 is on the high side and indicates that MFIC has dependencies on debt financing.
With a Debt to Equity ratio value of 1.49, MFIC is not doing good in the industry: 71.19% of the companies in the same industry are doing better.
| 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 77.97% of the companies in the same industry.
MFIC has a Quick Ratio of 2.62. This indicates that MFIC is financially healthy and has no problem in meeting its short term obligations.
The Quick ratio of MFIC (2.62) is better than 78.39% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.62 | ||
| Quick Ratio | 2.62 |
3. Growth
3.1 Past
The earnings per share for MFIC have decreased strongly by -10.11% 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 16.79% 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)-10.11%
EPS 3Y0.98%
EPS 5Y-1.01%
EPS Q2Q%-13.33%
Revenue 1Y (TTM)16.79%
Revenue growth 3Y11.67%
Revenue growth 5Y3.42%
Sales Q2Q%17.48%
3.2 Future
Based on estimates for the next years, MFIC will show a decrease in Earnings Per Share. The EPS will decrease by -5.75% on average per year.
Based on estimates for the next years, MFIC will show a decrease in Revenue. The Revenue will decrease by -0.46% on average per year.
EPS Next Y-10.6%
EPS Next 2Y-6.15%
EPS Next 3Y-5.75%
EPS Next 5YN/A
Revenue Next Year6.63%
Revenue Next 2Y1.99%
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.
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
MFIC is valuated cheaply with a Price/Earnings ratio of 7.62.
Based on the Price/Earnings ratio, MFIC is valued cheaper than 86.02% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 27.41. MFIC is valued rather cheaply when compared to this.
With a Price/Forward Earnings ratio of 8.00, the valuation of MFIC can be described as very reasonable.
Based on the Price/Forward Earnings ratio, MFIC is valued cheaply inside the industry as 85.59% of the companies are valued more expensively.
The average S&P500 Price/Forward Earnings ratio is at 22.87. MFIC is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.62 | ||
| Fwd PE | 8 |
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-6.15%
EPS Next 3Y-5.75%
5. Dividend
5.1 Amount
MFIC has a Yearly Dividend Yield of 11.64%, which is a nice return.
MFIC's Dividend Yield is a higher than the industry average which is at 8.21.
Compared to an average S&P500 Dividend Yield of 2.38, MFIC pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 11.64% |
5.2 History
The dividend of MFIC decreases each year by -0.67%.
MFIC has paid a dividend for at least 10 years, which is 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.
The Dividend Rate of MFIC has been decling, while earnings will also be declining. This means the current dividend is most likely not sustainable.
DP162.39%
EPS Next 2Y-6.15%
EPS Next 3Y-5.75%
12.19
-0.18 (-1.46%)
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
Analysts74.29
Price Target14.07 (15.42%)
Short Float %0.77%
Short Ratio1.97
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)-0.3%
PT rev (3m)-1.99%
EPS NQ rev (1m)0.05%
EPS NQ rev (3m)-0.04%
EPS NY rev (1m)0.41%
EPS NY rev (3m)-1.04%
Revenue NQ rev (1m)0.21%
Revenue NQ rev (3m)1.84%
Revenue NY rev (1m)-0.12%
Revenue NY rev (3m)0.56%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.62 | ||
| Fwd PE | 8 | ||
| 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)1.6
EY13.13%
EPS(NY)1.52
Fwd EY12.5%
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
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%
ROICexcg growth 3Y-1.22%
ROICexcg 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)-10.11%
EPS 3Y0.98%
EPS 5Y-1.01%
EPS Q2Q%-13.33%
EPS Next Y-10.6%
EPS Next 2Y-6.15%
EPS Next 3Y-5.75%
EPS Next 5YN/A
Revenue 1Y (TTM)16.79%
Revenue growth 3Y11.67%
Revenue growth 5Y3.42%
Sales Q2Q%17.48%
Revenue Next Year6.63%
Revenue Next 2Y1.99%
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