MIDCAP FINANCIAL INVESTMENT (MFIC) Stock Fundamental Analysis
NASDAQ:MFIC - Nasdaq - US03761U5020 - Common Stock - Currency: USD
MFIC gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 231 industry peers in the Capital Markets industry. MFIC has an average financial health and profitability rating. 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
In the past year MFIC was profitable.
In the past year MFIC has reported a negative cash flow from operations.
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
With a Return On Assets value of 3.09%, MFIC perfoms like the industry average, outperforming 54.11% of the companies in the same industry.
Looking at the Return On Equity, with a value of 7.44%, MFIC is in line with its industry, outperforming 43.72% of the companies in the same industry.
MFIC has a Return On Invested Capital (3.30%) which is in line with its industry peers.
The Average Return On Invested Capital over the past 3 years for MFIC is below the industry average of 7.24%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.09% | ||
| ROE | 7.44% | ||
| ROIC | 3.3% |
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
The Profit Margin of MFIC (33.21%) is better than 75.32% of its industry peers.
MFIC's Profit Margin has improved in the last couple of years.
With a decent Operating Margin value of 44.54%, MFIC is doing good in the industry, outperforming 78.79% of the companies in the same industry.
MFIC's Operating Margin has declined in the last couple of years.
MFIC has a Gross Margin of 47.68%. This is comparable to the rest of the industry: MFIC outperforms 52.81% of its industry peers.
In the last couple of years the Gross Margin of MFIC has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 44.54% | ||
| PM (TTM) | 33.21% | ||
| GM | 47.68% |
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.
MFIC has a better debt/assets ratio than last year.
2.2 Solvency
MFIC has an Altman-Z score of 0.11. 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 0.11, MFIC is not doing good in the industry: 74.46% of the companies in the same industry are doing better.
MFIC has a Debt/Equity ratio of 1.39. This is a high value indicating a heavy dependency on external financing.
MFIC has a Debt to Equity ratio of 1.39. This is in the lower half of the industry: MFIC underperforms 66.23% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.39 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 0.11 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
A Current Ratio of 4.92 indicates that MFIC has no problem at all paying its short term obligations.
MFIC has a Current ratio of 4.92. This is amongst the best in the industry. MFIC outperforms 86.15% of its industry peers.
A Quick Ratio of 4.92 indicates that MFIC has no problem at all paying its short term obligations.
With an excellent Quick ratio value of 4.92, MFIC belongs to the best of the industry, outperforming 86.15% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 4.92 | ||
| Quick Ratio | 4.92 |
3. Growth
3.1 Past
MFIC shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -6.21%.
The Earnings Per Share has been decreasing by -1.01% on average over the past years.
The Revenue has grown by 12.66% in the past year. This is quite good.
MFIC shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.42% yearly.
EPS 1Y (TTM)-6.21%
EPS 3Y0.98%
EPS 5Y-1.01%
EPS Q2Q%-15.91%
Revenue 1Y (TTM)12.66%
Revenue growth 3Y11.67%
Revenue growth 5Y3.42%
Sales Q2Q%15.17%
3.2 Future
The Earnings Per Share is expected to decrease by -3.59% on average over the next years.
Based on estimates for the next years, MFIC will show a small growth in Revenue. The Revenue will grow by 0.98% on average per year.
EPS Next Y-9.66%
EPS Next 2Y-4.78%
EPS Next 3Y-3.59%
EPS Next 5YN/A
Revenue Next Year6.89%
Revenue Next 2Y3.78%
Revenue Next 3Y0.98%
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
A Price/Earnings ratio of 7.91 indicates a rather cheap valuation of MFIC.
Compared to the rest of the industry, the Price/Earnings ratio of MFIC indicates a rather cheap valuation: MFIC is cheaper than 84.85% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.25, MFIC is valued rather cheaply.
A Price/Forward Earnings ratio of 8.37 indicates a reasonable valuation of MFIC.
Compared to the rest of the industry, the Price/Forward Earnings ratio of MFIC indicates a rather cheap valuation: MFIC is cheaper than 83.55% of the companies listed in the same industry.
MFIC's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.15.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.91 | ||
| Fwd PE | 8.37 |
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 -3.59% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-4.78%
EPS Next 3Y-3.59%
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 8.17.
MFIC's Dividend Yield is rather good when compared to the S&P500 average which is at 2.40.
| 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.
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
MFIC pays out 145.15% 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.
DP145.15%
EPS Next 2Y-4.78%
EPS Next 3Y-3.59%
13.125
+0.04 (+0.34%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)
Earnings (Next)
Inst Owners26.95%
Inst Owner ChangeN/A
Ins Owners0.77%
Ins Owner Change0.32%
Market Cap1.22B
Analysts77.33
Price Target14.41 (9.79%)
Short Float %0.81%
Short Ratio1.31
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 11.64% |
Yearly Dividend1.76
Dividend Growth(5Y)-0.67%
DP145.15%
Div Incr Years2
Div Non Decr Years2
Ex-Date
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-3.8%
Min EPS beat(2)-5.37%
Max EPS beat(2)-2.23%
EPS beat(4)2
Avg EPS beat(4)-0.91%
Min EPS beat(4)-5.37%
Max EPS beat(4)2.17%
EPS beat(8)3
Avg EPS beat(8)-0.62%
EPS beat(12)6
Avg EPS beat(12)1.16%
EPS beat(16)8
Avg EPS beat(16)0.98%
Revenue beat(2)0
Avg Revenue beat(2)-7.48%
Min Revenue beat(2)-7.81%
Max Revenue beat(2)-7.14%
Revenue beat(4)0
Avg Revenue beat(4)-8.65%
Min Revenue beat(4)-13.35%
Max Revenue beat(4)-6.31%
Revenue beat(8)1
Avg Revenue beat(8)-4.49%
Revenue beat(12)5
Avg Revenue beat(12)-0.66%
Revenue beat(16)7
Avg Revenue beat(16)-1.17%
PT rev (1m)-0.59%
PT rev (3m)-4.44%
EPS NQ rev (1m)-2.65%
EPS NQ rev (3m)-5.89%
EPS NY rev (1m)-1.57%
EPS NY rev (3m)-4.83%
Revenue NQ rev (1m)-3.2%
Revenue NQ rev (3m)-8.57%
Revenue NY rev (1m)-4.12%
Revenue NY rev (3m)-8.73%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.91 | ||
| Fwd PE | 8.37 | ||
| P/S | 3.92 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.88 | ||
| P/tB | 0.88 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.66
EY12.65%
EPS(NY)1.57
Fwd EY11.95%
FCF(TTM)-1.61
FCFYN/A
OCF(TTM)-1.61
OCFYN/A
SpS3.35
BVpS14.93
TBVpS14.93
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.09% | ||
| ROE | 7.44% | ||
| ROCE | 4.17% | ||
| ROIC | 3.3% | ||
| ROICexc | 3.38% | ||
| ROICexgc | 3.38% | ||
| OM | 44.54% | ||
| PM (TTM) | 33.21% | ||
| GM | 47.68% | ||
| 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-Score3
Asset Turnover0.09
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.39 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 1.18 | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | 4.92 | ||
| Quick Ratio | 4.92 | ||
| Altman-Z | 0.11 |
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)-6.21%
EPS 3Y0.98%
EPS 5Y-1.01%
EPS Q2Q%-15.91%
EPS Next Y-9.66%
EPS Next 2Y-4.78%
EPS Next 3Y-3.59%
EPS Next 5YN/A
Revenue 1Y (TTM)12.66%
Revenue growth 3Y11.67%
Revenue growth 5Y3.42%
Sales Q2Q%15.17%
Revenue Next Year6.89%
Revenue Next 2Y3.78%
Revenue Next 3Y0.98%
Revenue Next 5YN/A
EBIT growth 1Y20.78%
EBIT growth 3Y6.61%
EBIT growth 5Y0.86%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-172.57%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-172.57%
OCF growth 3YN/A
OCF growth 5YN/A