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PHENIXFIN CORP (PFX) Stock Fundamental Analysis

NASDAQ:PFX - Nasdaq - US71742W1036 - Common Stock - Currency: USD

49.245  -0.28 (-0.57%)

Fundamental Rating

4

PFX gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 237 industry peers in the Capital Markets industry. PFX has only an average score on both its financial health and profitability. PFX is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

In the past year PFX was profitable.
In the past year PFX has reported a negative cash flow from operations.
In multiple years PFX reported negative net income over the last 5 years.
The reported operating cash flow has been mixed in the past 5 years: PFX reported negative operating cash flow in multiple years.
PFX Yearly Net Income VS EBIT VS OCF VS FCFPFX Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100M -100M 200M

1.2 Ratios

Looking at the Return On Assets, with a value of 3.42%, PFX is in line with its industry, outperforming 56.54% of the companies in the same industry.
PFX's Return On Equity of 6.47% is in line compared to the rest of the industry. PFX outperforms 43.46% of its industry peers.
PFX has a worse Return On Invested Capital (1.34%) than 67.93% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for PFX is significantly below the industry average of 7.69%.
Industry RankSector Rank
ROA 3.42%
ROE 6.47%
ROIC 1.34%
ROA(3y)4.86%
ROA(5y)-1.27%
ROE(3y)8.3%
ROE(5y)-3.57%
ROIC(3y)1.61%
ROIC(5y)N/A
PFX Yearly ROA, ROE, ROICPFX Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 -20 -40

1.3 Margins

PFX has a Profit Margin of 42.77%. This is amongst the best in the industry. PFX outperforms 87.34% of its industry peers.
In the last couple of years the Profit Margin of PFX has grown nicely.
PFX's Operating Margin of 20.99% is in line compared to the rest of the industry. PFX outperforms 43.46% of its industry peers.
In the last couple of years the Operating Margin of PFX has declined.
Looking at the Gross Margin, with a value of 64.12%, PFX is in the better half of the industry, outperforming 71.31% of the companies in the same industry.
PFX's Gross Margin has improved in the last couple of years.
Industry RankSector Rank
OM 20.99%
PM (TTM) 42.77%
GM 64.12%
OM growth 3Y-28.04%
OM growth 5YN/A
PM growth 3Y175.26%
PM growth 5YN/A
GM growth 3Y-3.71%
GM growth 5Y23.97%
PFX Yearly Profit, Operating, Gross MarginsPFX Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100 -100 -200 -300

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5

2. Health

2.1 Basic Checks

The number of shares outstanding for PFX has been reduced compared to 1 year ago.
The number of shares outstanding for PFX has been reduced compared to 5 years ago.
The debt/assets ratio for PFX is higher compared to a year ago.
PFX Yearly Shares OutstandingPFX Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500K 1M 1.5M 2M 2.5M
PFX Yearly Total Debt VS Total AssetsPFX Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B

2.2 Solvency

Based on the Altman-Z score of -1.95, we must say that PFX is in the distress zone and has some risk of bankruptcy.
The Altman-Z score of PFX (-1.95) is worse than 87.76% of its industry peers.
A Debt/Equity ratio of 0.86 indicates that PFX is somewhat dependend on debt financing.
PFX has a Debt to Equity ratio (0.86) which is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.86
Debt/FCF N/A
Altman-Z -1.95
ROIC/WACCN/A
WACCN/A
PFX Yearly LT Debt VS Equity VS FCFPFX Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M 400M 600M

2.3 Liquidity

PFX has a Current Ratio of 2.91. This indicates that PFX is financially healthy and has no problem in meeting its short term obligations.
The Current ratio of PFX (2.91) is better than 80.17% of its industry peers.
PFX has a Quick Ratio of 2.91. This indicates that PFX is financially healthy and has no problem in meeting its short term obligations.
Looking at the Quick ratio, with a value of 2.91, PFX belongs to the top of the industry, outperforming 80.17% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 2.91
Quick Ratio 2.91
PFX Yearly Current Assets VS Current LiabilitesPFX Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M

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3

3. Growth

3.1 Past

PFX shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -66.49%.
The Earnings Per Share has been growing by 27.21% on average over the past years. This is a very strong growth
The Revenue has grown by 10.18% in the past year. This is quite good.
The Revenue for PFX have been decreasing by -13.69% on average. This is quite bad
EPS 1Y (TTM)-66.49%
EPS 3Y27.21%
EPS 5YN/A
EPS Q2Q%-157.36%
Revenue 1Y (TTM)10.18%
Revenue growth 3Y-11.77%
Revenue growth 5Y-13.69%
Sales Q2Q%-1.25%

3.2 Future

PFX is expected to show a very negative growth in Earnings Per Share. In the coming years, the EPS will decrease by -56.85% yearly.
Based on estimates for the next years, PFX will show a small growth in Revenue. The Revenue will grow by 0.48% on average per year.
EPS Next Y-85.38%
EPS Next 2Y-56.85%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year1.89%
Revenue Next 2Y0.48%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
PFX Yearly Revenue VS EstimatesPFX Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 50M 100M
PFX Yearly EPS VS EstimatesPFX Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0 10 20 30

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1

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 15.29 indicates a correct valuation of PFX.
PFX's Price/Earnings is on the same level as the industry average.
The average S&P500 Price/Earnings ratio is at 26.84. PFX is valued slightly cheaper when compared to this.
The Price/Forward Earnings ratio is 29.01, which means the current valuation is very expensive for PFX.
Based on the Price/Forward Earnings ratio, PFX is valued a bit more expensive than 70.04% of the companies in the same industry.
PFX is valuated at similar levels of the S&P average when we compare the Price/Forward Earnings ratio to 34.94, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 15.29
Fwd PE 29.01
PFX Price Earnings VS Forward Price EarningsPFX Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
PFX Per share dataPFX EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 20 -20 40 60

4.3 Compensation for Growth

A cheap valuation may be justified as PFX's earnings are expected to decrease with -56.85% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-56.85%
EPS Next 3YN/A

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4

5. Dividend

5.1 Amount

PFX has a Yearly Dividend Yield of 2.90%.
PFX's Dividend Yield is comparable with the industry average which is at 7.68.
Compared to an average S&P500 Dividend Yield of 2.36, PFX pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.9%

5.2 History

The dividend of PFX decreases each year by -15.70%.
PFX has been paying a dividend for at least 10 years, so it has a reliable track record.
The dividend of PFX decreased recently.
Dividend Growth(5Y)-15.7%
Div Incr Years1
Div Non Decr Years1
PFX Yearly Dividends per sharePFX Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2022 2024 2025 5 10 15 20

5.3 Sustainability

PFX pays out 53.83% of its income as dividend. This is a bit on the high side, but may be sustainable.
The Dividend Rate of PFX has been decling, while earnings will also be declining. This means the current dividend is most likely not sustainable.
DP53.83%
EPS Next 2Y-56.85%
EPS Next 3YN/A
PFX Yearly Income VS Free CF VS DividendPFX Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100M -100M 200M
PFX Dividend Payout.PFX Dividend Payout, showing the Payout Ratio.PFX Dividend Payout.PayoutRetained Earnings

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PHENIXFIN CORP

NASDAQ:PFX (8/20/2025, 4:00:43 PM)

49.245

-0.28 (-0.57%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)08-06 2025-08-06/amc
Earnings (Next)12-15 2025-12-15/amc
Inst Owners27.99%
Inst Owner Change-0.65%
Ins Owners20.66%
Ins Owner Change1.07%
Market Cap99.47M
Analysts45
Price TargetN/A
Short Float %0.13%
Short Ratio1.11
Dividend
Industry RankSector Rank
Dividend Yield 2.9%
Yearly Dividend1.29
Dividend Growth(5Y)-15.7%
DP53.83%
Div Incr Years1
Div Non Decr Years1
Ex-Date02-14 2025-02-14 (1.43)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)1.52%
Min EPS beat(2)-133.81%
Max EPS beat(2)136.85%
EPS beat(4)3
Avg EPS beat(4)64.77%
Min EPS beat(4)-133.81%
Max EPS beat(4)159.56%
EPS beat(8)7
Avg EPS beat(8)181.22%
EPS beat(12)9
Avg EPS beat(12)38.21%
EPS beat(16)12
Avg EPS beat(16)565.77%
Revenue beat(2)1
Avg Revenue beat(2)-0.93%
Min Revenue beat(2)-8.6%
Max Revenue beat(2)6.74%
Revenue beat(4)3
Avg Revenue beat(4)19.09%
Min Revenue beat(4)-8.6%
Max Revenue beat(4)58.82%
Revenue beat(8)5
Avg Revenue beat(8)8.98%
Revenue beat(12)9
Avg Revenue beat(12)10.28%
Revenue beat(16)13
Avg Revenue beat(16)27.27%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 15.29
Fwd PE 29.01
P/S 4.14
P/FCF N/A
P/OCF N/A
P/B 0.63
P/tB 0.63
EV/EBITDA N/A
EPS(TTM)3.22
EY6.54%
EPS(NY)1.7
Fwd EY3.45%
FCF(TTM)-28.26
FCFYN/A
OCF(TTM)-28.26
OCFYN/A
SpS11.9
BVpS78.71
TBVpS78.71
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 3.42%
ROE 6.47%
ROCE 1.7%
ROIC 1.34%
ROICexc 1.39%
ROICexgc 1.39%
OM 20.99%
PM (TTM) 42.77%
GM 64.12%
FCFM N/A
ROA(3y)4.86%
ROA(5y)-1.27%
ROE(3y)8.3%
ROE(5y)-3.57%
ROIC(3y)1.61%
ROIC(5y)N/A
ROICexc(3y)1.81%
ROICexc(5y)N/A
ROICexgc(3y)1.82%
ROICexgc(5y)N/A
ROCE(3y)2.04%
ROCE(5y)N/A
ROICexcg growth 3Y-44.65%
ROICexcg growth 5YN/A
ROICexc growth 3Y-44.61%
ROICexc growth 5YN/A
OM growth 3Y-28.04%
OM growth 5YN/A
PM growth 3Y175.26%
PM growth 5YN/A
GM growth 3Y-3.71%
GM growth 5Y23.97%
F-Score2
Asset Turnover0.08
Health
Industry RankSector Rank
Debt/Equity 0.86
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 0.71
Cash Conversion N/A
Profit Quality N/A
Current Ratio 2.91
Quick Ratio 2.91
Altman-Z -1.95
F-Score2
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)-66.49%
EPS 3Y27.21%
EPS 5YN/A
EPS Q2Q%-157.36%
EPS Next Y-85.38%
EPS Next 2Y-56.85%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)10.18%
Revenue growth 3Y-11.77%
Revenue growth 5Y-13.69%
Sales Q2Q%-1.25%
Revenue Next Year1.89%
Revenue Next 2Y0.48%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-6.02%
EBIT growth 3Y-36.51%
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-158.31%
FCF growth 3Y-44.67%
FCF growth 5Y-38.27%
OCF growth 1Y-158.31%
OCF growth 3Y-44.67%
OCF growth 5Y-38.27%