25.16 USD
-0.05 (-0.21%)
We assign a fundamental rating of 2 out of 10 to MFICL. MFICL was compared to 238 industry peers in the Capital Markets industry. While MFICL is still in line with the averages on profitability rating, there are concerns on its financial health. MFICL has a expensive valuation and it also scores bad on growth.
1. Profitability
1.1 Basic Checks
MFICL had positive earnings in the past year.
In the past year MFICL has reported a negative cash flow from operations.
Of the past 5 years MFICL 4 years were profitable.
In multiple years MFICL reported negative operating cash flow during the last 5 years.
1.2 Ratios
MFICL has a Return On Assets (3.02%) which is in line with its industry peers.
MFICL has a Return On Equity (7.31%) which is comparable to the rest of the industry.
Looking at the Return On Invested Capital, with a value of 3.58%, MFICL is in line with its industry, outperforming 50.00% of the companies in the same industry.
MFICL had an Average Return On Invested Capital over the past 3 years of 3.33%. This is below the industry average of 7.00%.
The 3 year average ROIC (3.33%) for MFICL 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
MFICL has a Profit Margin of 30.79%. This is in the better half of the industry: MFICL outperforms 76.05% of its industry peers.
MFICL's Profit Margin has improved in the last couple of years.
Looking at the Operating Margin, with a value of 44.06%, MFICL belongs to the top of the industry, outperforming 80.25% of the companies in the same industry.
MFICL's Operating Margin has declined in the last couple of years.
MFICL has a Gross Margin of 46.74%. This is comparable to the rest of the industry: MFICL outperforms 54.62% of its industry peers.
MFICL'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
MFICL has more shares outstanding than it did 1 year ago.
The number of shares outstanding for MFICL has been increased compared to 5 years ago.
MFICL has a better debt/assets ratio than last year.
2.2 Solvency
Based on the Altman-Z score of 0.40, we must say that MFICL is in the distress zone and has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of 0.40, MFICL is doing worse than 64.29% of the companies in the same industry.
MFICL has a Debt/Equity ratio of 1.31. This is a high value indicating a heavy dependency on external financing.
Looking at the Debt to Equity ratio, with a value of 1.31, MFICL is doing worse than 65.55% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.31 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 0.4 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
MFICL has a Current Ratio of 0.53. This is a bad value and indicates that MFICL is not financially healthy enough and could expect problems in meeting its short term obligations.
Looking at the Current ratio, with a value of 0.53, MFICL is doing worse than 73.53% of the companies in the same industry.
A Quick Ratio of 0.53 indicates that MFICL may have some problems paying its short term obligations.
Looking at the Quick ratio, with a value of 0.53, MFICL is doing worse than 73.53% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.53 | ||
| Quick Ratio | 0.53 |
3. Growth
3.1 Past
MFICL shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -13.97%.
The Earnings Per Share has been decreasing by -1.01% on average over the past years.
The Revenue has grown by 11.35% in the past year. This is quite good.
Measured over the past years, MFICL shows a small growth in Revenue. The Revenue has been growing by 3.42% on average per year.
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
Based on estimates for the next years, MFICL will show a decrease in Earnings Per Share. The EPS will decrease by -5.75% on average per year.
The Revenue is expected to decrease by -1.37% on average over the next years.
EPS Next Y-11.49%
EPS Next 2Y-8.42%
EPS Next 3Y-5.75%
EPS Next 5YN/A
Revenue Next Year5.61%
Revenue Next 2Y0.55%
Revenue Next 3Y-1.37%
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 16.34 indicates a correct valuation of MFICL.
Compared to the rest of the industry, the Price/Earnings ratio of MFICL is on the same level as its industry peers.
Compared to an average S&P500 Price/Earnings ratio of 26.50, MFICL is valued a bit cheaper.
A Price/Forward Earnings ratio of 17.34 indicates a rather expensive valuation of MFICL.
MFICL's Price/Forward Earnings is on the same level as the industry average.
MFICL is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 23.93, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.34 | ||
| Fwd PE | 17.34 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
MFICL's earnings are expected to decrease with -5.75% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-8.42%
EPS Next 3Y-5.75%
5. Dividend
5.1 Amount
MFICL has a Yearly Dividend Yield of 11.64%, which is a nice return.
Compared to an average industry Dividend Yield of 6.43, MFICL pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 1.87, MFICL pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 11.64% |
5.2 History
The dividend of MFICL decreases each year by -0.67%.
MFICL does not have a reliable dividend history as it only pays dividend since a couple or years.
Dividend Growth(5Y)-0.67%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
MFICL pays out 142.24% of its income as dividend. This is not a sustainable payout ratio.
MFICL'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%
MIDCAP FINANCIAL INVEST - MFIC 8 12/15/28
NASDAQ:MFICL (12/23/2025, 8:19:57 PM)
25.16
-0.05 (-0.21%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)
Earnings (Next)
Inst Owners33.03%
Inst Owner ChangeN/A
Ins Owners0.78%
Ins Owner ChangeN/A
Market Cap2.35B
Revenue(TTM)324.68M
Net Income(TTM)99.96M
Analysts72.86
Price Target27.05 (7.51%)
Short Float %0%
Short Ratio1.03
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 11.64% |
Yearly Dividend1.76
Dividend Growth(5Y)-0.67%
DP142.24%
Div Incr Years0
Div Non Decr Years0
Ex-Date
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)-7.21%
PT rev (3m)-4.39%
EPS NQ rev (1m)-0.34%
EPS NQ rev (3m)-3.28%
EPS NY rev (1m)-0.91%
EPS NY rev (3m)-0.58%
Revenue NQ rev (1m)-0.36%
Revenue NQ rev (3m)-2.63%
Revenue NY rev (1m)-0.83%
Revenue NY rev (3m)-0.96%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.34 | ||
| Fwd PE | 17.34 | ||
| P/S | 7.23 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.72 | ||
| P/tB | 1.72 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.54
EY6.12%
EPS(NY)1.45
Fwd EY5.77%
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 | 0.4 |
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-11.49%
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 Year5.61%
Revenue Next 2Y0.55%
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 INVEST - MFIC 8 12/15/28 / MFICL FAQ
What is the ChartMill fundamental rating of MIDCAP FINANCIAL INVEST - MFIC 8 12/15/28 (MFICL) stock?
ChartMill assigns a fundamental rating of 2 / 10 to MFICL.
What is the valuation status for MFICL stock?
ChartMill assigns a valuation rating of 2 / 10 to MIDCAP FINANCIAL INVEST - MFIC 8 12/15/28 (MFICL). This can be considered as Overvalued.
What is the profitability of MFICL stock?
MIDCAP FINANCIAL INVEST - MFIC 8 12/15/28 (MFICL) has a profitability rating of 4 / 10.
Can you provide the financial health for MFICL stock?
The financial health rating of MIDCAP FINANCIAL INVEST - MFIC 8 12/15/28 (MFICL) is 0 / 10.
What is the earnings growth outlook for MIDCAP FINANCIAL INVEST - MFIC 8 12/15/28?
The Earnings per Share (EPS) of MIDCAP FINANCIAL INVEST - MFIC 8 12/15/28 (MFICL) is expected to decline by -11.49% in the next year.