MIDCAP FINANCIAL INVEST - MFIC 8 12/15/28 (MFICL) Fundamental Analysis & Valuation

NASDAQ:MFICL • US03761U6010

Current stock price

25.25 USD
+0.01 (+0.04%)
Last:

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

4

1. MFICL Profitability Analysis

1.1 Basic Checks

  • In the past year MFICL was profitable.
  • In the past year MFICL has reported a negative cash flow from operations.
  • MFICL had positive earnings in each of the past 5 years.
  • The reported operating cash flow has been mixed in the past 5 years: MFICL reported negative operating cash flow in multiple years.
MFICL Yearly Net Income VS EBIT VS OCF VS FCFMFICL 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 2025 0 200M -200M 400M -400M 600M

1.2 Ratios

  • MFICL has a Return On Assets (1.90%) which is comparable to the rest of the industry.
  • With a Return On Equity value of 4.83%, MFICL is not doing good in the industry: 60.83% of the companies in the same industry are doing better.
  • MFICL has a Return On Invested Capital (3.53%) which is in line with its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital for MFICL is below the industry average of 7.19%.
  • The last Return On Invested Capital (3.53%) for MFICL is above the 3 year average (3.52%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 1.9%
ROE 4.83%
ROIC 3.53%
ROA(3y)3.25%
ROA(5y)3.46%
ROE(3y)7.89%
ROE(5y)8.54%
ROIC(3y)3.52%
ROIC(5y)3.4%
MFICL Yearly ROA, ROE, ROICMFICL Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5 -5 10 -10

1.3 Margins

  • Looking at the Profit Margin, with a value of 19.69%, MFICL is in line with its industry, outperforming 54.58% of the companies in the same industry.
  • In the last couple of years the Profit Margin of MFICL has declined.
  • Looking at the Operating Margin, with a value of 44.25%, MFICL belongs to the top of the industry, outperforming 80.83% of the companies in the same industry.
  • MFICL's Operating Margin has declined in the last couple of years.
  • MFICL has a Gross Margin (47.82%) which is comparable to the rest of the industry.
  • MFICL's Gross Margin has declined in the last couple of years.
Industry RankSector Rank
OM 44.25%
PM (TTM) 19.69%
GM 47.82%
OM growth 3Y-0.58%
OM growth 5Y-3.35%
PM growth 3Y-20.14%
PM growth 5YN/A
GM growth 3Y-2.67%
GM growth 5Y-3.86%
MFICL Yearly Profit, Operating, Gross MarginsMFICL Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20 -20 40 -40 60

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0

2. MFICL Health Analysis

2.1 Basic Checks

  • Compared to 1 year ago, MFICL has less shares outstanding
  • Compared to 5 years ago, MFICL has more shares outstanding
  • The debt/assets ratio for MFICL is higher compared to a year ago.
MFICL Yearly Shares OutstandingMFICL Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M
MFICL Yearly Total Debt VS Total AssetsMFICL Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B

2.2 Solvency

  • MFICL has an Altman-Z score of 0.35. This is a bad value and indicates that MFICL is not financially healthy and even has some risk of bankruptcy.
  • MFICL has a Altman-Z score of 0.35. This is in the lower half of the industry: MFICL underperforms 65.00% of its industry peers.
  • A Debt/Equity ratio of 1.43 is on the high side and indicates that MFICL has dependencies on debt financing.
  • MFICL has a worse Debt to Equity ratio (1.43) than 67.92% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.43
Debt/FCF N/A
Altman-Z 0.35
ROIC/WACCN/A
WACCN/A
MFICL Yearly LT Debt VS Equity VS FCFMFICL Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 500M 1B 1.5B

2.3 Liquidity

  • MFICL has a Current Ratio of 0.74. This is a bad value and indicates that MFICL is not financially healthy enough and could expect problems in meeting its short term obligations.
  • With a Current ratio value of 0.74, MFICL is not doing good in the industry: 67.92% of the companies in the same industry are doing better.
  • MFICL has a Quick Ratio of 0.74. This is a bad value and indicates that MFICL is not financially healthy enough and could expect problems in meeting its short term obligations.
  • MFICL's Quick ratio of 0.74 is on the low side compared to the rest of the industry. MFICL is outperformed by 67.50% of its industry peers.
Industry RankSector Rank
Current Ratio 0.74
Quick Ratio 0.74
MFICL Yearly Current Assets VS Current LiabilitesMFICL Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M

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

2

3. MFICL Growth Analysis

3.1 Past

  • The earnings per share for MFICL have decreased strongly by -11.56% in the last year.
  • The Earnings Per Share has been decreasing by -6.66% on average over the past years.
  • Looking at the last year, MFICL shows a small growth in Revenue. The Revenue has grown by 6.33% in the last year.
  • The Revenue has been growing slightly by 2.99% on average over the past years.
EPS 1Y (TTM)-11.56%
EPS 3Y0.89%
EPS 5Y-6.66%
EPS Q2Q%-2.5%
Revenue 1Y (TTM)6.33%
Revenue growth 3Y14.6%
Revenue growth 5Y2.99%
Sales Q2Q%-4.63%

3.2 Future

  • The Earnings Per Share is expected to decrease by -5.15% on average over the next years.
  • The Revenue is expected to decrease by -5.99% on average over the next years.
EPS Next Y-9.75%
EPS Next 2Y-7.17%
EPS Next 3Y-5.15%
EPS Next 5YN/A
Revenue Next Year-11.26%
Revenue Next 2Y-9.59%
Revenue Next 3Y-5.99%
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is accelerating: in the next years the growth will be better 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.
MFICL Yearly Revenue VS EstimatesMFICL 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
MFICL Yearly EPS VS EstimatesMFICL 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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2

4. MFICL Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 16.50, MFICL is valued correctly.
  • 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 27.38, MFICL is valued a bit cheaper.
  • The Price/Forward Earnings ratio is 18.29, which indicates a rather expensive current valuation of MFICL.
  • MFICL's Price/Forward Earnings ratio is in line with the industry average.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 38.20, MFICL is valued rather cheaply.
Industry RankSector Rank
PE 16.5
Fwd PE 18.29
MFICL Price Earnings VS Forward Price EarningsMFICL 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
MFICL Per share dataMFICL EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 10

4.3 Compensation for Growth

  • MFICL'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-7.17%
EPS Next 3Y-5.15%

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

4

5. MFICL Dividend Analysis

5.1 Amount

  • MFICL has a Yearly Dividend Yield of 11.64%, which is a nice return.
  • MFICL's Dividend Yield is a higher than the industry average which is at 6.64.
  • Compared to an average S&P500 Dividend Yield of 1.82, MFICL pays a better dividend.
Industry RankSector Rank
Dividend Yield 11.64%

5.2 History

  • The dividend of MFICL decreases each year by -3.46%.
  • MFICL has paid a dividend for less than 5 years, so there is no long track record yet.
Dividend Growth(5Y)-3.46%
Div Incr Years0
Div Non Decr Years0
MFICL Yearly Dividends per shareMFICL Yearly Dividends per shareYearly Dividends per share 2024 2025 2026 0.5 1 1.5 2

5.3 Sustainability

  • MFICL pays out 224.14% 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.
DP224.14%
EPS Next 2Y-7.17%
EPS Next 3Y-5.15%
MFICL Yearly Income VS Free CF VS DividendMFICL Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 200M -200M 400M -400M 600M
MFICL Dividend Payout.MFICL Dividend Payout, showing the Payout Ratio.MFICL Dividend Payout.PayoutRetained Earnings

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MFICL Fundamentals: All Metrics, Ratios and Statistics

MIDCAP FINANCIAL INVEST - MFIC 8 12/15/28

NASDAQ:MFICL (4/16/2026, 11:43:07 AM)

25.25

+0.01 (+0.04%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)02-26
Earnings (Next)05-11
Inst Owners35.52%
Inst Owner ChangeN/A
Ins Owners0.79%
Ins Owner ChangeN/A
Market Cap2.33B
Revenue(TTM)320.88M
Net Income(TTM)63.17M
Analysts71.43
Price Target24.91 (-1.35%)
Short Float %0%
Short Ratio0.07
Dividend
Industry RankSector Rank
Dividend Yield 11.64%
Yearly Dividend1.52
Dividend Growth(5Y)-3.46%
DP224.14%
Div Incr Years0
Div Non Decr Years0
Ex-Date02-27
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)1.03%
Min EPS beat(2)-1.64%
Max EPS beat(2)3.69%
EPS beat(4)2
Avg EPS beat(4)-0.34%
Min EPS beat(4)-5.37%
Max EPS beat(4)3.69%
EPS beat(8)4
Avg EPS beat(8)-0.01%
EPS beat(12)6
Avg EPS beat(12)0.3%
EPS beat(16)8
Avg EPS beat(16)0.96%
Revenue beat(2)0
Avg Revenue beat(2)-3.77%
Min Revenue beat(2)-4.68%
Max Revenue beat(2)-2.87%
Revenue beat(4)0
Avg Revenue beat(4)-4.43%
Min Revenue beat(4)-7.81%
Max Revenue beat(4)-2.37%
Revenue beat(8)0
Avg Revenue beat(8)-5.99%
Revenue beat(12)2
Avg Revenue beat(12)-3.5%
Revenue beat(16)6
Avg Revenue beat(16)-0.9%
PT rev (1m)-17.85%
PT rev (3m)-13.74%
EPS NQ rev (1m)-1.4%
EPS NQ rev (3m)-2.08%
EPS NY rev (1m)-4.83%
EPS NY rev (3m)-4.83%
Revenue NQ rev (1m)-2.11%
Revenue NQ rev (3m)-5.35%
Revenue NY rev (1m)-6.68%
Revenue NY rev (3m)-6.97%
Valuation
Industry RankSector Rank
PE 16.5
Fwd PE 18.29
P/S 7.26
P/FCF N/A
P/OCF N/A
P/B 1.78
P/tB 1.78
EV/EBITDA N/A
EPS(TTM)1.53
EY6.06%
EPS(NY)1.38
Fwd EY5.47%
FCF(TTM)-0.54
FCFYN/A
OCF(TTM)-0.54
OCFYN/A
SpS3.48
BVpS14.18
TBVpS14.18
PEG (NY)N/A
PEG (5Y)N/A
Graham Number22.0917 (-12.51%)
Profitability
Industry RankSector Rank
ROA 1.9%
ROE 4.83%
ROCE 4.47%
ROIC 3.53%
ROICexc 3.64%
ROICexgc 3.64%
OM 44.25%
PM (TTM) 19.69%
GM 47.82%
FCFM N/A
ROA(3y)3.25%
ROA(5y)3.46%
ROE(3y)7.89%
ROE(5y)8.54%
ROIC(3y)3.52%
ROIC(5y)3.4%
ROICexc(3y)3.63%
ROICexc(5y)3.49%
ROICexgc(3y)3.65%
ROICexgc(5y)3.5%
ROCE(3y)4.46%
ROCE(5y)4.3%
ROICexgc growth 3Y6.75%
ROICexgc growth 5Y-2.46%
ROICexc growth 3Y6.74%
ROICexc growth 5Y-2.42%
OM growth 3Y-0.58%
OM growth 5Y-3.35%
PM growth 3Y-20.14%
PM growth 5YN/A
GM growth 3Y-2.67%
GM growth 5Y-3.86%
F-Score3
Asset Turnover0.1
Health
Industry RankSector Rank
Debt/Equity 1.43
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 0.74
Quick Ratio 0.74
Altman-Z 0.35
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-9.75%
EPS Next 2Y-7.17%
EPS Next 3Y-5.15%
EPS Next 5YN/A
Revenue 1Y (TTM)6.33%
Revenue growth 3Y14.6%
Revenue growth 5Y2.99%
Sales Q2Q%-4.63%
Revenue Next Year-11.26%
Revenue Next 2Y-9.59%
Revenue Next 3Y-5.99%
Revenue Next 5YN/A
EBIT growth 1Y6.53%
EBIT growth 3Y13.94%
EBIT growth 5Y-0.46%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-421.88%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-421.88%
OCF growth 3YN/A
OCF growth 5YN/A

MIDCAP FINANCIAL INVEST - MFIC 8 12/15/28 / MFICL Fundamental Analysis 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 of MIDCAP FINANCIAL INVEST - MFIC 8 12/15/28 (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.


How profitable is MIDCAP FINANCIAL INVEST - MFIC 8 12/15/28 (MFICL) stock?

MIDCAP FINANCIAL INVEST - MFIC 8 12/15/28 (MFICL) has a profitability rating of 4 / 10.


What are the PE and PB ratios of MIDCAP FINANCIAL INVEST - MFIC 8 12/15/28 (MFICL) stock?

The Price/Earnings (PE) ratio for MIDCAP FINANCIAL INVEST - MFIC 8 12/15/28 (MFICL) is 16.5 and the Price/Book (PB) ratio is 1.78.


How financially healthy is MIDCAP FINANCIAL INVEST - MFIC 8 12/15/28?

The financial health rating of MIDCAP FINANCIAL INVEST - MFIC 8 12/15/28 (MFICL) is 0 / 10.