MIDCAP FINANCIAL INVESTMENT (MFIC) Fundamental Analysis & Valuation

NASDAQ:MFIC • US03761U5020

10.4 USD
-0.15 (-1.42%)
At close: Mar 6, 2026
10.48 USD
+0.08 (+0.77%)
After Hours: 3/6/2026, 8:00:02 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

This MFIC fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

2

Overall MFIC gets a fundamental rating of 2 out of 10. We evaluated MFIC against 238 industry peers in the Capital Markets industry. While MFIC is still in line with the averages on profitability rating, there are concerns on its financial health. MFIC is valued correctly, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

4

1. MFIC Profitability Analysis

1.1 Basic Checks

  • In the past year MFIC was profitable.
  • MFIC had a negative operating cash flow in the past year.
  • Of the past 5 years MFIC 4 years were profitable.
  • In multiple years MFIC reported negative operating cash flow during the last 5 years.
MFIC Yearly Net Income VS EBIT VS OCF VS FCFMFIC Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M -200M 400M -400M 600M

1.2 Ratios

  • With a Return On Assets value of 3.02%, MFIC perfoms like the industry average, outperforming 51.68% 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 46.64% of the companies in the same industry.
  • MFIC has a Return On Invested Capital (3.58%) which is in line with its industry peers.
  • MFIC had an Average Return On Invested Capital over the past 3 years of 3.33%. This is below the industry average of 7.26%.
  • The 3 year average ROIC (3.33%) for MFIC is below the current ROIC(3.58%), indicating increased profibility in the last year.
Industry RankSector 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%
MFIC Yearly ROA, ROE, ROICMFIC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 -5 10 -10

1.3 Margins

  • MFIC has a Profit Margin of 30.79%. This is in the better half of the industry: MFIC outperforms 75.21% 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 44.06%, MFIC is doing good in the industry, outperforming 79.83% of the companies in the same industry.
  • MFIC's Operating Margin has declined in the last couple of years.
  • MFIC's Gross Margin of 46.74% is in line compared to the rest of the industry. MFIC outperforms 52.52% of its industry peers.
  • In the last couple of years the Gross Margin of MFIC has declined.
Industry RankSector 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%
MFIC Yearly Profit, Operating, Gross MarginsMFIC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 -20 40 -40 60

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ROAROEROICOperating and Profit MarginShow most profitable peers

0

2. MFIC Health Analysis

2.1 Basic Checks

  • There is no outstanding debt for MFIC. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
MFIC Yearly Shares OutstandingMFIC Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M
MFIC Yearly Total Debt VS Total AssetsMFIC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B

2.2 Solvency

  • Based on the Altman-Z score of -0.03, we must say that MFIC is in the distress zone and has some risk of bankruptcy.
  • With a Altman-Z score value of -0.03, MFIC is not doing good in the industry: 73.95% of the companies in the same industry are doing better.
  • MFIC has a Debt/Equity ratio of 1.31. This is a high value indicating a heavy dependency on external financing.
  • MFIC has a worse Debt to Equity ratio (1.31) than 64.71% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.31
Debt/FCF N/A
Altman-Z -0.03
ROIC/WACCN/A
WACCN/A
MFIC Yearly LT Debt VS Equity VS FCFMFIC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500M 1B 1.5B

2.3 Liquidity

  • A Current Ratio of 0.53 indicates that MFIC may have some problems paying its short term obligations.
  • The Current ratio of MFIC (0.53) is worse than 71.01% 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 70.59% of its industry peers.
Industry RankSector Rank
Current Ratio 0.53
Quick Ratio 0.53
MFIC Yearly Current Assets VS Current LiabilitesMFIC Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

1

3. MFIC Growth Analysis

3.1 Past

  • The earnings per share for MFIC have decreased strongly by -11.56% in the last year.
  • MFIC shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -6.66% yearly.
EPS 1Y (TTM)-11.56%
EPS 3Y0.89%
EPS 5Y-6.66%
EPS Q2Q%-2.5%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%-4.63%

3.2 Future

  • Based on estimates for the next years, MFIC will show a decrease in Earnings Per Share. The EPS will decrease by -5.15% on average per year.
  • Based on estimates for the next years, MFIC will show a decrease in Revenue. The Revenue will decrease by -5.99% on average per year.
EPS Next Y-5.17%
EPS Next 2Y-5.22%
EPS Next 3Y-5.15%
EPS Next 5YN/A
Revenue Next Year-4.92%
Revenue Next 2Y-4.71%
Revenue Next 3Y-5.99%
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 accelerating.
MFIC Yearly Revenue VS EstimatesMFIC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 100M 200M 300M 400M
MFIC Yearly EPS VS EstimatesMFIC Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 0.5 1 1.5 2 2.5

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5

4. MFIC Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 6.80 indicates a rather cheap valuation of MFIC.
  • Based on the Price/Earnings ratio, MFIC is valued cheaper than 81.09% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 26.29, MFIC is valued rather cheaply.
  • With a Price/Forward Earnings ratio of 7.17, the valuation of MFIC can be described as very cheap.
  • Based on the Price/Forward Earnings ratio, MFIC is valued cheaply inside the industry as 85.71% of the companies are valued more expensively.
  • The average S&P500 Price/Forward Earnings ratio is at 24.57. MFIC is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 6.8
Fwd PE 7.17
MFIC Price Earnings VS Forward Price EarningsMFIC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
MFIC Per share dataMFIC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 10

4.3 Compensation for Growth

  • MFIC's earnings are expected to decrease with -5.15% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-5.22%
EPS Next 3Y-5.15%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. MFIC Dividend Analysis

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 6.33, MFIC pays a bit more dividend than its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.82, MFIC pays a better dividend.
Industry RankSector 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
MFIC Yearly Dividends per shareMFIC Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5 2

5.3 Sustainability

  • 142.24% of the earnings are spent on dividend by MFIC. 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.
DP142.24%
EPS Next 2Y-5.22%
EPS Next 3Y-5.15%
MFIC Yearly Income VS Free CF VS DividendMFIC Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M -200M 400M -400M 600M
MFIC Dividend Payout.MFIC Dividend Payout, showing the Payout Ratio.MFIC Dividend Payout.PayoutRetained Earnings

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MFIC Fundamentals: All Metrics, Ratios and Statistics

MIDCAP FINANCIAL INVESTMENT

NASDAQ:MFIC (3/6/2026, 8:00:02 PM)

After market: 10.48 +0.08 (+0.77%)

10.4

-0.15 (-1.42%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)02-26
Earnings (Next)05-11
Inst Owners32.87%
Inst Owner ChangeN/A
Ins Owners0.78%
Ins Owner Change-1.2%
Market Cap958.98M
Revenue(TTM)N/A
Net Income(TTM)99.96M
Analysts71.43
Price Target12.91 (24.13%)
Short Float %0.78%
Short Ratio0.83
Dividend
Industry RankSector Rank
Dividend Yield 11.64%
Yearly Dividend1.76
Dividend Growth(5Y)-0.67%
DP142.24%
Div Incr Years2
Div Non Decr Years2
Ex-Date03-10
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)-2.88%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.34%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.99%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.7%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.01%
Valuation
Industry RankSector Rank
PE 6.8
Fwd PE 7.17
P/S 2.95
P/FCF N/A
P/OCF N/A
P/B 0.7
P/tB 0.7
EV/EBITDA N/A
EPS(TTM)1.53
EY14.71%
EPS(NY)1.45
Fwd EY13.95%
FCF(TTM)-0.01
FCFYN/A
OCF(TTM)-0.01
OCFYN/A
SpS3.52
BVpS14.83
TBVpS14.83
PEG (NY)N/A
PEG (5Y)N/A
Graham Number22.6
Profitability
Industry RankSector 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 RankSector 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 -0.03
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)-11.56%
EPS 3Y0.89%
EPS 5Y-6.66%
EPS Q2Q%-2.5%
EPS Next Y-5.17%
EPS Next 2Y-5.22%
EPS Next 3Y-5.15%
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%-4.63%
Revenue Next Year-4.92%
Revenue Next 2Y-4.71%
Revenue Next 3Y-5.99%
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 6.8 and the Price/Book (PB) ratio is 0.7.


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%.