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

Taking everything into account, MFICL scores 2 out of 10 in our fundamental rating. MFICL was compared to 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 does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

4

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.
  • 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 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's Return On Equity of 7.31% is in line compared to the rest of the industry. MFICL outperforms 47.06% 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 7.26%.
  • 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 better Profit Margin (30.79%) than 76.89% of its industry peers.
  • In the last couple of years the Profit Margin of MFICL has grown nicely.
  • MFICL's Operating Margin of 44.06% is amongst the best of the industry. MFICL outperforms 80.25% of its industry peers.
  • In the last couple of years the Operating Margin of MFICL has declined.
  • MFICL's Gross Margin of 46.74% is in line compared to the rest of the industry. MFICL outperforms 51.68% of its industry peers.
  • 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

  • Compared to 1 year ago, MFICL has more shares outstanding
  • MFICL has more shares outstanding than it did 5 years ago.
  • 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

  • MFICL has an Altman-Z score of 0.41. This is a bad value and indicates that MFICL is not financially healthy and even has some risk of bankruptcy.
  • MFICL has a worse Altman-Z score (0.41) than 62.60% of its industry peers.
  • A Debt/Equity ratio of 1.31 is on the high side and indicates that MFICL has dependencies on debt financing.
  • With a Debt to Equity ratio value of 1.31, MFICL is not doing good in the industry: 65.13% of the companies in the same industry are doing better.
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.
  • The Current ratio of MFICL (0.53) is worse than 71.85% 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.
  • MFICL's Quick ratio of 0.53 is on the low side compared to the rest of the industry. MFICL is outperformed by 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

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

1

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.
  • MFICL shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 11.35%.
  • 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

  • The Earnings Per Share is expected to decrease by -5.75% on average over the next years.
  • 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.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
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

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Find the best growth stocksShow best growing peers

2

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 16.53, which indicates a correct valuation of MFICL.
  • MFICL's Price/Earnings is on the same level as the industry average.
  • When comparing the Price/Earnings ratio of MFICL to the average of the S&P500 Index (27.19), we can say MFICL is valued slightly cheaper.
  • MFICL is valuated rather expensively with a Price/Forward Earnings ratio of 17.55.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of MFICL is on the same level as its industry peers.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 28.06, MFICL is valued a bit 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

  • MFICL has a Yearly Dividend Yield of 11.64%, which is a nice return.
  • Compared to an average industry Dividend Yield of 6.24, 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 1.82.
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
Analysts71.43
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)1.43%
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%.