SAGEN MI CANADA INC - MICCN 5.4 PERP (MIC-PR-A.CA) Fundamental Analysis & Valuation

TSX:MIC-PR-A • CA7866883092

22.75 CAD
+0.35 (+1.56%)
Last: Mar 11, 2026, 07:00 PM
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This MIC-PR-A.CA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

6

We assign a fundamental rating of 6 out of 10 to MIC-PR-A. MIC-PR-A was compared to 1 industry peers in the Thrifts & Mortgage Finance industry. MIC-PR-A scores excellent on profitability, but there are some minor concerns on its financial health. MIC-PR-A has a valuation in line with the averages, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

7

1. MIC-PR-A.CA Profitability Analysis

1.1 Basic Checks

  • MIC-PR-A had positive earnings in the past year.
  • MIC-PR-A had a positive operating cash flow in the past year.
  • Each year in the past 5 years MIC-PR-A has been profitable.
  • In the past 5 years MIC-PR-A always reported a positive cash flow from operatings.
MIC-PR-A.CA Yearly Net Income VS EBIT VS OCF VS FCFMIC-PR-A.CA 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 200M 400M 600M 800M

1.2 Ratios

  • The Return On Assets of MIC-PR-A (7.53%) is better than 100.00% of its industry peers.
  • MIC-PR-A has a better Return On Equity (18.42%) than 100.00% of its industry peers.
  • Looking at the Return On Invested Capital, with a value of 8.18%, MIC-PR-A belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
  • MIC-PR-A had an Average Return On Invested Capital over the past 3 years of 8.28%. This is in line with the industry average of 8.18%.
Industry RankSector Rank
ROA 7.53%
ROE 18.42%
ROIC 8.18%
ROA(3y)7.58%
ROA(5y)7.41%
ROE(3y)18.33%
ROE(5y)17.28%
ROIC(3y)8.28%
ROIC(5y)8%
MIC-PR-A.CA Yearly ROA, ROE, ROICMIC-PR-A.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20

1.3 Margins

  • MIC-PR-A has a Profit Margin of 56.23%. This is amongst the best in the industry. MIC-PR-A outperforms 100.00% of its industry peers.
  • MIC-PR-A's Profit Margin has improved in the last couple of years.
  • MIC-PR-A has a Operating Margin of 79.65%. This is amongst the best in the industry. MIC-PR-A outperforms 100.00% of its industry peers.
  • MIC-PR-A's Operating Margin has improved in the last couple of years.
Industry RankSector Rank
OM 79.65%
PM (TTM) 56.23%
GM N/A
OM growth 3Y-2.9%
OM growth 5Y2.96%
PM growth 3Y-3.05%
PM growth 5Y3.03%
GM growth 3YN/A
GM growth 5YN/A
MIC-PR-A.CA Yearly Profit, Operating, Gross MarginsMIC-PR-A.CA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 20 40 60 80

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6

2. MIC-PR-A.CA Health Analysis

2.1 Basic Checks

  • MIC-PR-A has a Return on Invested Capital (ROIC), which is well above the Cost of Capital (WACC), which means it is creating value.
  • The number of shares outstanding for MIC-PR-A has been increased compared to 1 year ago.
  • The number of shares outstanding for MIC-PR-A has been reduced compared to 5 years ago.
  • MIC-PR-A has a worse debt/assets ratio than last year.
MIC-PR-A.CA Yearly Shares OutstandingMIC-PR-A.CA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M
MIC-PR-A.CA Yearly Total Debt VS Total AssetsMIC-PR-A.CA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B

2.2 Solvency

  • Based on the Altman-Z score of 0.86, we must say that MIC-PR-A is in the distress zone and has some risk of bankruptcy.
  • Looking at the Altman-Z score, with a value of 0.86, MIC-PR-A belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
  • The Debt to FCF ratio of MIC-PR-A is 1.28, which is an excellent value as it means it would take MIC-PR-A, only 1.28 years of fcf income to pay off all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 1.28, MIC-PR-A belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
  • A Debt/Equity ratio of 0.33 indicates that MIC-PR-A is not too dependend on debt financing.
  • The Debt to Equity ratio of MIC-PR-A (0.33) is better than 100.00% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.33
Debt/FCF 1.28
Altman-Z 0.86
ROIC/WACC2.65
WACC3.09%
MIC-PR-A.CA Yearly LT Debt VS Equity VS FCFMIC-PR-A.CA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B

2.3 Liquidity

  • A Current Ratio of 0.03 indicates that MIC-PR-A may have some problems paying its short term obligations.
  • MIC-PR-A has a better Current ratio (0.03) than 100.00% of its industry peers.
  • MIC-PR-A has a Quick Ratio of 0.03. This is a bad value and indicates that MIC-PR-A is not financially healthy enough and could expect problems in meeting its short term obligations.
  • The Quick ratio of MIC-PR-A (0.03) is better than 100.00% of its industry peers.
Industry RankSector Rank
Current Ratio 0.03
Quick Ratio 0.03
MIC-PR-A.CA Yearly Current Assets VS Current LiabilitesMIC-PR-A.CA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M

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

3

3. MIC-PR-A.CA Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an nice 17.67% over the past year.
  • Measured over the past years, MIC-PR-A shows a very strong growth in Earnings Per Share. The EPS has been growing by 160.74% on average per year.
  • MIC-PR-A shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 17.11%.
  • MIC-PR-A shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.12% yearly.
EPS 1Y (TTM)17.67%
EPS 3Y-1.47%
EPS 5Y160.74%
EPS Q2Q%-18.88%
Revenue 1Y (TTM)17.11%
Revenue growth 3Y2.35%
Revenue growth 5Y4.12%
Sales Q2Q%-12.62%

3.2 Future

  • No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
MIC-PR-A.CA Yearly Revenue VS EstimatesMIC-PR-A.CA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B
MIC-PR-A.CA Yearly EPS VS EstimatesMIC-PR-A.CA Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 1 2 3 4 5

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5

4. MIC-PR-A.CA Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 0.04, the valuation of MIC-PR-A can be described as very cheap.
  • Based on the Price/Earnings ratio, MIC-PR-A is valued cheaper than 100.00% of the companies in the same industry.
  • MIC-PR-A's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.71.
Industry RankSector Rank
PE 0.04
Fwd PE N/A
MIC-PR-A.CA Price Earnings VS Forward Price EarningsMIC-PR-A.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of MIC-PR-A indicates a rather cheap valuation: MIC-PR-A is cheaper than 100.00% of the companies listed in the same industry.
  • Based on the Price/Free Cash Flow ratio, MIC-PR-A is valued cheaper than 100.00% of the companies in the same industry.
Industry RankSector Rank
P/FCF 0.13
EV/EBITDA 0.4
MIC-PR-A.CA Per share dataMIC-PR-A.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 200 400 600

4.3 Compensation for Growth

  • MIC-PR-A has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0
EPS Next 2YN/A
EPS Next 3YN/A

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

6

5. MIC-PR-A.CA Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 5.94%, MIC-PR-A is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 5.94, MIC-PR-A pays a better dividend. On top of this MIC-PR-A pays more dividend than 100.00% of the companies listed in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.82, MIC-PR-A pays a better dividend.
Industry RankSector Rank
Dividend Yield 5.94%

5.2 History

  • On average, the dividend of MIC-PR-A grows each year by 156.43%, which is quite nice.
  • MIC-PR-A has been paying a dividend for over 5 years, so it has already some track record.
  • MIC-PR-A has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)156.43%
Div Incr Years0
Div Non Decr Years3
MIC-PR-A.CA Yearly Dividends per shareMIC-PR-A.CA Yearly Dividends per shareYearly Dividends per share 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • MIC-PR-A pays out 146.90% of its income as dividend. This is not a sustainable payout ratio.
  • MIC-PR-A's earnings are growing around the same pace than its dividend. As long as the earnings growth is kept the dividend growth is sustainable.
DP146.9%
EPS Next 2YN/A
EPS Next 3YN/A
MIC-PR-A.CA Yearly Income VS Free CF VS DividendMIC-PR-A.CA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M
MIC-PR-A.CA Dividend Payout.MIC-PR-A.CA Dividend Payout, showing the Payout Ratio.MIC-PR-A.CA Dividend Payout.PayoutRetained Earnings

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MIC-PR-A.CA Fundamentals: All Metrics, Ratios and Statistics

SAGEN MI CANADA INC - MICCN 5.4 PERP

TSX:MIC-PR-A (3/11/2026, 7:00:00 PM)

22.75

+0.35 (+1.56%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryThrifts & Mortgage Finance
Earnings (Last)01-26
Earnings (Next)04-29
Inst Owners13.74%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap91.00M
Revenue(TTM)932.24M
Net Income(TTM)524.19M
Analysts76.92
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 5.94%
Yearly Dividend687.69
Dividend Growth(5Y)156.43%
DP146.9%
Div Incr Years0
Div Non Decr Years3
Ex-Date03-13
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 0.04
Fwd PE N/A
P/S 0.1
P/FCF 0.13
P/OCF 0.12
P/B 0.03
P/tB 0.03
EV/EBITDA 0.4
EPS(TTM)510.38
EY2243.43%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)181.5
FCFY797.78%
OCF(TTM)182.93
OCFY804.09%
SpS233.06
BVpS711.6
TBVpS704.76
PEG (NY)N/A
PEG (5Y)0
Graham Number2858.61
Profitability
Industry RankSector Rank
ROA 7.53%
ROE 18.42%
ROCE 10.95%
ROIC 8.18%
ROICexc 9.15%
ROICexgc 9.45%
OM 79.65%
PM (TTM) 56.23%
GM N/A
FCFM 77.88%
ROA(3y)7.58%
ROA(5y)7.41%
ROE(3y)18.33%
ROE(5y)17.28%
ROIC(3y)8.28%
ROIC(5y)8%
ROICexc(3y)8.76%
ROICexc(5y)8.49%
ROICexgc(3y)9.14%
ROICexgc(5y)8.79%
ROCE(3y)11.08%
ROCE(5y)10.71%
ROICexgc growth 3Y2.94%
ROICexgc growth 5Y7.94%
ROICexc growth 3Y2.6%
ROICexc growth 5Y7.75%
OM growth 3Y-2.9%
OM growth 5Y2.96%
PM growth 3Y-3.05%
PM growth 5Y3.03%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.13
Health
Industry RankSector Rank
Debt/Equity 0.33
Debt/FCF 1.28
Debt/EBITDA 1.24
Cap/Depr 72.82%
Cap/Sales 0.62%
Interest Coverage 23.41
Cash Conversion 97.51%
Profit Quality 138.5%
Current Ratio 0.03
Quick Ratio 0.03
Altman-Z 0.86
F-Score6
WACC3.09%
ROIC/WACC2.65
Cap/Depr(3y)68.48%
Cap/Depr(5y)45.33%
Cap/Sales(3y)0.76%
Cap/Sales(5y)0.81%
Profit Quality(3y)112.66%
Profit Quality(5y)131.08%
High Growth Momentum
Growth
EPS 1Y (TTM)17.67%
EPS 3Y-1.47%
EPS 5Y160.74%
EPS Q2Q%-18.88%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)17.11%
Revenue growth 3Y2.35%
Revenue growth 5Y4.12%
Sales Q2Q%-12.62%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y17.84%
EBIT growth 3Y-0.62%
EBIT growth 5Y7.2%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-45.33%
FCF growth 3Y-25.76%
FCF growth 5Y-8.52%
OCF growth 1Y-44.87%
OCF growth 3Y-25.48%
OCF growth 5Y-8.31%

SAGEN MI CANADA INC - MICCN 5.4 PERP / MIC-PR-A.CA FAQ

What is the fundamental rating for MIC-PR-A stock?

ChartMill assigns a fundamental rating of 6 / 10 to MIC-PR-A.CA.


What is the valuation status of SAGEN MI CANADA INC - MICCN 5.4 PERP (MIC-PR-A.CA) stock?

ChartMill assigns a valuation rating of 5 / 10 to SAGEN MI CANADA INC - MICCN 5.4 PERP (MIC-PR-A.CA). This can be considered as Fairly Valued.


What is the profitability of MIC-PR-A stock?

SAGEN MI CANADA INC - MICCN 5.4 PERP (MIC-PR-A.CA) has a profitability rating of 7 / 10.


What is the financial health of SAGEN MI CANADA INC - MICCN 5.4 PERP (MIC-PR-A.CA) stock?

The financial health rating of SAGEN MI CANADA INC - MICCN 5.4 PERP (MIC-PR-A.CA) is 6 / 10.


How sustainable is the dividend of SAGEN MI CANADA INC - MICCN 5.4 PERP (MIC-PR-A.CA) stock?

The dividend rating of SAGEN MI CANADA INC - MICCN 5.4 PERP (MIC-PR-A.CA) is 6 / 10 and the dividend payout ratio is 146.9%.