25.2999 USD
+0.03 (+0.12%)
We assign a fundamental rating of 2 out of 10 to MFICL. MFICL was compared to 238 industry peers in the Capital Markets industry. There are concerns on the financial health of MFICL while its profitability can be described as average. MFICL does not seem to be growing, but still is valued expensively.
1. Profitability
1.1 Basic Checks
- MFICL had positive earnings in the past year.
- MFICL had a negative operating cash flow in the past year.
- 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's Return On Assets of 3.02% is in line compared to the rest of the industry. MFICL outperforms 51.68% of its industry peers.
- MFICL's Return On Equity of 7.31% is in line compared to the rest of the industry. MFICL outperforms 47.48% of its industry peers.
- With a Return On Invested Capital value of 3.58%, MFICL perfoms like the industry average, outperforming 50.00% of the companies in the same industry.
- The Average Return On Invested Capital over the past 3 years for MFICL is below the industry average of 7.15%.
- 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
- The Profit Margin of MFICL (30.79%) is better than 76.89% of its industry peers.
- In the last couple of years the Profit Margin of MFICL has grown nicely.
- With an excellent Operating Margin value of 44.06%, MFICL belongs to the best 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 (46.74%) which is in line with its industry peers.
- In the last couple of years the Gross Margin of MFICL has declined.
| 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
- Compared to 1 year ago, MFICL has more shares outstanding
- Compared to 5 years ago, MFICL has more shares outstanding
- Compared to 1 year ago, MFICL has an improved debt to assets ratio.
2.2 Solvency
- MFICL has an Altman-Z score of 0.40. This is a bad value and indicates that MFICL is not financially healthy and even has some risk of bankruptcy.
- With a Altman-Z score value of 0.40, MFICL is not doing good in the industry: 63.03% of the companies in the same industry are doing better.
- A Debt/Equity ratio of 1.31 is on the high side and indicates that MFICL has dependencies on debt financing.
- MFICL has a worse Debt to Equity ratio (1.31) than 65.13% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.31 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 0.4 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
- A Current Ratio of 0.53 indicates that MFICL may have some problems paying its short term obligations.
- MFICL has a worse Current ratio (0.53) than 73.11% of its industry peers.
- MFICL has a Quick 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.
- The Quick ratio of MFICL (0.53) is worse than 73.11% of its industry peers.
| 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%.
- MFICL shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -1.01% yearly.
- Looking at the last year, MFICL shows a quite strong growth in Revenue. The Revenue has grown by 11.35% in the last year.
- MFICL shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.42% yearly.
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.
- Based on estimates for the next years, MFICL will show a decrease in Revenue. The Revenue will decrease by -1.37% on average per year.
EPS Next Y-11.56%
EPS Next 2Y-8.42%
EPS Next 3Y-5.75%
EPS Next 5YN/A
Revenue Next Year5.49%
Revenue Next 2Y0.28%
Revenue Next 3Y-1.37%
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 decreasing.
- 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
- The Price/Earnings ratio is 16.43, which indicates a correct valuation of MFICL.
- The rest of the industry has a similar Price/Earnings ratio as MFICL.
- Compared to an average S&P500 Price/Earnings ratio of 27.38, MFICL is valued a bit cheaper.
- A Price/Forward Earnings ratio of 17.44 indicates a rather expensive valuation of MFICL.
- MFICL's Price/Forward Earnings ratio is in line with the industry average.
- When comparing the Price/Forward Earnings ratio of MFICL to the average of the S&P500 Index (24.29), we can say MFICL is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.43 | ||
| Fwd PE | 17.44 |
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 MFICL's earnings are expected to decrease with -5.75% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-8.42%
EPS Next 3Y-5.75%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 11.64%, MFICL is a good candidate for dividend investing.
- Compared to an average industry Dividend Yield of 6.10, MFICL pays a bit more dividend than its industry peers.
- MFICL's Dividend Yield is rather good when compared to the S&P500 average which is at 1.85.
| 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 (1/16/2026, 8:00:01 PM)
25.2999
+0.03 (+0.12%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)11-06 2025-11-06/amc
Earnings (Next)02-26 2026-02-26/amc
Inst Owners32.87%
Inst Owner ChangeN/A
Ins Owners0.78%
Ins Owner ChangeN/A
Market Cap2.36B
Revenue(TTM)324.68M
Net Income(TTM)99.96M
Analysts72.86
Price Target28.74 (13.6%)
Short Float %0%
Short Ratio0.82
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-DateN/A
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)6.25%
PT rev (3m)-2.51%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-2.64%
EPS NY rev (1m)-0.08%
EPS NY rev (3m)-1.07%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-2.15%
Revenue NY rev (1m)-0.12%
Revenue NY rev (3m)-1.07%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.43 | ||
| Fwd PE | 17.44 | ||
| P/S | 7.27 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.73 | ||
| P/tB | 1.73 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.54
EY6.09%
EPS(NY)1.45
Fwd EY5.74%
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-11.56%
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 Year5.49%
Revenue Next 2Y0.28%
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 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.
What is the profitability of MFICL stock?
MIDCAP FINANCIAL INVEST - MFIC 8 12/15/28 (MFICL) has a profitability rating of 4 / 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 -11.56% in the next year.
Is the dividend of MIDCAP FINANCIAL INVEST - MFIC 8 12/15/28 sustainable?
The dividend rating of MIDCAP FINANCIAL INVEST - MFIC 8 12/15/28 (MFICL) is 3 / 10 and the dividend payout ratio is 142.24%.