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

NASDAQ:MFICL • US03761U6010

25.46 USD
+0.02 (+0.08%)
Last: Feb 13, 2026, 08:24 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

2

MFICL gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 238 industry peers in the Capital Markets industry. MFICL has a medium profitability rating, but doesn't score so well on its financial health evaluation. MFICL is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

4

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.
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 0 200M -200M 400M -400M 600M

1.2 Ratios

  • MFICL has a Return On Assets (3.02%) which is comparable to the rest of the industry.
  • MFICL has a Return On Equity of 7.31%. This is comparable to the rest of the industry: MFICL outperforms 47.48% of its industry peers.
  • MFICL has a Return On Invested Capital (3.58%) 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 7.23%.
  • The 3 year average ROIC (3.33%) for MFICL 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%
MFICL Yearly ROA, ROE, ROICMFICL Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 -5 10 -10

1.3 Margins

  • MFICL has a Profit Margin of 30.79%. This is in the better half of the industry: MFICL outperforms 77.31% of its industry peers.
  • MFICL's Profit Margin has improved in the last couple of years.
  • MFICL has a Operating Margin of 44.06%. This is amongst the best in the industry. MFICL outperforms 80.25% of its industry peers.
  • In the last couple of years the Operating Margin of MFICL has declined.
  • The Gross Margin of MFICL (46.74%) is comparable to the rest of the industry.
  • In the last couple of years the Gross Margin of MFICL 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%
MFICL Yearly Profit, Operating, Gross MarginsMFICL Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 -20 40 -40 60

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

0

2. Health

2.1 Basic Checks

  • The number of shares outstanding for MFICL has been increased compared to 1 year ago.
  • Compared to 5 years ago, MFICL has more shares outstanding
  • Compared to 1 year ago, MFICL has an improved debt to assets ratio.
MFICL Yearly Shares OutstandingMFICL Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 1B 2B 3B

2.2 Solvency

  • Based on the Altman-Z score of 0.41, we must say that MFICL is in the distress zone and has some risk of bankruptcy.
  • MFICL's Altman-Z score of 0.41 is on the low side compared to the rest of the industry. MFICL is outperformed by 61.76% of its industry peers.
  • MFICL has a Debt/Equity ratio of 1.31. This is a high value indicating a heavy dependency on external financing.
  • MFICL has a Debt to Equity ratio of 1.31. This is in the lower half of the industry: MFICL underperforms 65.13% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.31
Debt/FCF N/A
Altman-Z 0.41
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 0 500M 1B 1.5B

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.
  • With a Current ratio value of 0.53, MFICL is not doing good in the industry: 71.85% of the companies in the same industry are doing better.
  • A Quick Ratio of 0.53 indicates that MFICL may have some problems paying its short term obligations.
  • MFICL has a worse Quick ratio (0.53) than 71.43% of its industry peers.
Industry RankSector Rank
Current Ratio 0.53
Quick Ratio 0.53
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 20M 40M 60M 80M 100M

More info and screens

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

1

3. Growth

3.1 Past

  • The earnings per share for MFICL have decreased strongly by -13.97% in the last year.
  • MFICL shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -1.01% yearly.
  • 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 -1.44% on average over the next years.
EPS Next Y-11.56%
EPS Next 2Y-8.42%
EPS Next 3Y-5.75%
EPS Next 5YN/A
Revenue Next Year5.43%
Revenue Next 2Y0.12%
Revenue Next 3Y-1.44%
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.
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 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 0.5 1 1.5 2 2.5

More info and screens

Find the best growth stocksShow best growing peers

2

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 16.53 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.
  • MFICL's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.97.
  • A Price/Forward Earnings ratio of 17.55 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 (27.96), we can say MFICL is valued slightly cheaper.
Industry RankSector Rank
PE 16.53
Fwd PE 17.55
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 -5.75% 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%

More info and screens

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

3

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 11.64%, MFICL is a good candidate for dividend investing.
  • MFICL's Dividend Yield is a higher than the industry average which is at 6.15.
  • Compared to an average S&P500 Dividend Yield of 1.79, MFICL pays a better dividend.
Industry RankSector Rank
Dividend Yield 11.64%

5.2 History

  • The dividend of MFICL decreases each year by -0.67%.
  • MFICL is new to the dividend game and has less than 3 years of track record.
Dividend Growth(5Y)-0.67%
Div Incr Years0
Div Non Decr Years0
MFICL Yearly Dividends per shareMFICL Yearly Dividends per shareYearly Dividends per share 2024 2025 0.5 1 1.5 2

5.3 Sustainability

  • 142.24% of the earnings are spent on dividend by MFICL. This is not a sustainable payout ratio.
  • The Dividend Rate of MFICL has been decling, while earnings will also be declining. This means the current dividend is most likely not sustainable.
DP142.24%
EPS Next 2Y-8.42%
EPS Next 3Y-5.75%
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 0 200M -200M 400M -400M 600M
MFICL Dividend Payout.MFICL Dividend Payout, showing the Payout Ratio.MFICL Dividend Payout.PayoutRetained Earnings

More info and screens

Find the best dividend stocksShow peers with best dividend

MIDCAP FINANCIAL INVEST - MFIC 8 12/15/28

NASDAQ:MFICL (2/13/2026, 8:24:19 PM)

25.46

+0.02 (+0.08%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)11-06
Earnings (Next)02-26
Inst Owners32.87%
Inst Owner ChangeN/A
Ins Owners0.78%
Ins Owner ChangeN/A
Market Cap2.38B
Revenue(TTM)324.68M
Net Income(TTM)99.96M
Analysts72.86
Price Target29.57 (16.14%)
Short Float %0%
Short Ratio0.81
Dividend
Industry RankSector 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)2.4%
PT rev (3m)4.14%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-2.64%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.99%
Revenue NQ rev (1m)-0.35%
Revenue NQ rev (3m)-2.38%
Revenue NY rev (1m)-0.06%
Revenue NY rev (3m)-1.01%
Valuation
Industry RankSector Rank
PE 16.53
Fwd PE 17.55
P/S 7.32
P/FCF N/A
P/OCF N/A
P/B 1.74
P/tB 1.74
EV/EBITDA N/A
EPS(TTM)1.54
EY6.05%
EPS(NY)1.45
Fwd EY5.7%
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 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 0.41
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 Year5.43%
Revenue Next 2Y0.12%
Revenue Next 3Y-1.44%
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%.