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

Canada - Toronto Stock Exchange - TSX:MIC-PR-A - CA7866883092

23.03 CAD
-0.35 (-1.5%)
Last: 1/12/2026, 7:00:00 PM
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. While MIC-PR-A belongs to the best of the industry regarding profitability, there are some minor concerns on its financial health. MIC-PR-A has a valuation in line with the averages, but on the other hand it scores bad on growth.


Dividend Valuation Growth Profitability Health

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7

1. Profitability

1.1 Basic Checks

In the past year MIC-PR-A was profitable.
In the past year MIC-PR-A had a positive cash flow from operations.
MIC-PR-A had positive earnings in each of the past 5 years.
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

Looking at the Return On Assets, with a value of 7.53%, MIC-PR-A belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
MIC-PR-A has a better Return On Equity (18.42%) than 100.00% of its industry peers.
MIC-PR-A has a better Return On Invested Capital (8.18%) than 100.00% of its industry peers.
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

With an excellent Profit Margin value of 56.23%, MIC-PR-A belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
In the last couple of years the Profit Margin of MIC-PR-A has grown nicely.
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.
In the last couple of years the Operating Margin of MIC-PR-A has grown nicely.
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. Health

2.1 Basic Checks

The Return on Invested Capital (ROIC) is well above the Cost of Capital (WACC), so MIC-PR-A is creating value.
Compared to 1 year ago, MIC-PR-A has more shares outstanding
MIC-PR-A has less shares outstanding than it did 5 years ago.
The debt/assets ratio for MIC-PR-A is higher compared to a year ago.
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

MIC-PR-A has an Altman-Z score of 0.86. This is a bad value and indicates that MIC-PR-A is not financially healthy and even 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.
The Debt to FCF ratio of MIC-PR-A (1.28) is better than 100.00% of its industry peers.
A Debt/Equity ratio of 0.33 indicates that MIC-PR-A is not too dependend on debt financing.
MIC-PR-A's Debt to Equity ratio of 0.33 is amongst the best of the industry. MIC-PR-A outperforms 100.00% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.33
Debt/FCF 1.28
Altman-Z 0.86
ROIC/WACC2.66
WACC3.08%
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

MIC-PR-A has a Current 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 Current ratio of MIC-PR-A (0.03) is better than 100.00% of its industry peers.
A Quick Ratio of 0.03 indicates that MIC-PR-A may have some problems paying its short term obligations.
MIC-PR-A's Quick ratio of 0.03 is amongst the best of the industry. MIC-PR-A outperforms 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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3

3. Growth

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.
The Revenue has grown by 17.11% in the past year. This is quite good.
The Revenue has been growing slightly by 4.12% on average over the past years.
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. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 0.05, which indicates a rather cheap valuation of MIC-PR-A.
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 27.30.
Industry RankSector Rank
PE 0.05
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

Based on the Enterprise Value to EBITDA ratio, MIC-PR-A is valued cheaper than 100.00% of the companies in the same industry.
100.00% of the companies in the same industry are more expensive than MIC-PR-A, based on the Price/Free Cash Flow ratio.
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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6

5. Dividend

5.1 Amount

MIC-PR-A has a Yearly Dividend Yield of 5.77%, which is a nice return.
Compared to an average industry Dividend Yield of 5.77, 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.
MIC-PR-A's Dividend Yield is rather good when compared to the S&P500 average which is at 1.92.
Industry RankSector Rank
Dividend Yield 5.77%

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 0.2 0.4 0.6 0.8 1

5.3 Sustainability

146.90% of the earnings are spent on dividend by MIC-PR-A. This is not a sustainable payout ratio.
The dividend of MIC-PR-A is growing around the same rate as the earnings are growing. If this keeps up 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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SAGEN MI CANADA INC - MICCN 5.4 PERP

TSX:MIC-PR-A (1/12/2026, 7:00:00 PM)

23.03

-0.35 (-1.5%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryThrifts & Mortgage Finance
Earnings (Last)11-06 2025-11-06
Earnings (Next)01-28 2026-01-28
Inst Owners14.12%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap92.12M
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 5.77%
Yearly Dividend687.69
Dividend Growth(5Y)156.43%
DP146.9%
Div Incr Years0
Div Non Decr Years3
Ex-DateN/A
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 0.05
Fwd PE N/A
P/S 0.1
P/FCF 0.13
P/OCF 0.13
P/B 0.03
P/tB 0.03
EV/EBITDA 0.4
EPS(TTM)510.38
EY2216.15%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)181.5
FCFY788.09%
OCF(TTM)182.93
OCFY794.31%
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
WACC3.08%
ROIC/WACC2.66
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%.