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Smart Employee Benefits Inc (SEB.CA) Stock Fundamental Analysis

Canada - TSX Venture Exchange - TSX-V:SEB - CA83172K1030 - Common Stock

0.3 CAD
+0.01 (+1.69%)
Last: 3/3/2023, 7:00:00 PM
Fundamental Rating

0

Taking everything into account, SEB scores 0 out of 10 in our fundamental rating. SEB was compared to 66 industry peers in the Software industry. Both the profitability and financial health of SEB have multiple concerns. SEB is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

In the past year SEB has reported negative net income.
In the past year SEB has reported a negative cash flow from operations.
SEB.CA Yearly Net Income VS EBIT VS OCF VS FCFSEB.CA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 0 -5M -10M

1.2 Ratios

SEB has negative profitability rations, so we won't be analyzing them here.
Industry RankSector Rank
ROA N/A
ROE N/A
ROIC N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
SEB.CA Yearly ROA, ROE, ROICSEB.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 0 100 -100 -200

1.3 Margins

SEB has a Gross Margin of 33.23%. This is in the lower half of the industry: SEB underperforms 65.88% of its industry peers.
SEB's Gross Margin has improved in the last couple of years.
SEB does not have Profit Margin and Operating Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM 33.23%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y5.49%
GM growth 5Y15.03%
SEB.CA Yearly Profit, Operating, Gross MarginsSEB.CA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 0 10 -10 20 30

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0

2. Health

2.1 Basic Checks

SEB does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for SEB has been increased compared to 1 year ago.
Compared to 1 year ago, SEB has a worse debt to assets ratio.
SEB.CA Yearly Shares OutstandingSEB.CA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 50M 100M 150M
SEB.CA Yearly Total Debt VS Total AssetsSEB.CA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 10M 20M 30M 40M 50M

2.2 Solvency

SEB has an Altman-Z score of -1.24. This is a bad value and indicates that SEB is not financially healthy and even has some risk of bankruptcy.
SEB has a Altman-Z score (-1.24) which is in line with its industry peers.
Industry RankSector Rank
Debt/Equity N/A
Debt/FCF N/A
Altman-Z -1.24
ROIC/WACCN/A
WACC9.27%
SEB.CA Yearly LT Debt VS Equity VS FCFSEB.CA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 0 10M -10M

2.3 Liquidity

A Current Ratio of 0.47 indicates that SEB may have some problems paying its short term obligations.
Looking at the Current ratio, with a value of 0.47, SEB is doing worse than 78.82% of the companies in the same industry.
A Quick Ratio of 0.46 indicates that SEB may have some problems paying its short term obligations.
SEB's Quick ratio of 0.46 is on the low side compared to the rest of the industry. SEB is outperformed by 77.65% of its industry peers.
Industry RankSector Rank
Current Ratio 0.47
Quick Ratio 0.46
SEB.CA Yearly Current Assets VS Current LiabilitesSEB.CA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 10M 20M 30M 40M 50M

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3. Growth

3.1 Past

SEB shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -128.87%.
SEB shows a small growth in Revenue. In the last year, the Revenue has grown by 7.88%.
Measured over the past years, SEB shows a decrease in Revenue. The Revenue has been decreasing by -8.67% on average per year.
EPS 1Y (TTM)-128.87%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-107.05%
Revenue 1Y (TTM)7.88%
Revenue growth 3Y-7.11%
Revenue growth 5Y-8.67%
Sales Q2Q%3.36%

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.
SEB.CA Yearly Revenue VS EstimatesSEB.CA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 20M 40M 60M 80M
SEB.CA Yearly EPS VS EstimatesSEB.CA Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 -0.01 -0.02 -0.03 -0.04

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0

4. Valuation

4.1 Price/Earnings Ratio

SEB reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
Industry RankSector Rank
PE N/A
Fwd PE N/A
SEB.CA Price Earnings VS Forward Price EarningsSEB.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0 0 0 0 0 0 0

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
SEB.CA Per share dataSEB.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 0.1 -0.1 0.2 0.3

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

SEB does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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Smart Employee Benefits Inc

TSX-V:SEB (3/3/2023, 7:00:00 PM)

0.3

+0.01 (+1.69%)

Chartmill FA Rating
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)N/A N/A
Earnings (Next)N/A N/A
Inst Owners0.01%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap49.73M
Revenue(TTM)64.58M
Net Income(TTM)-8.56M
Analysts0
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP0%
Div Incr Years0
Div Non Decr Years0
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 N/A
Fwd PE N/A
P/S 0.77
P/FCF N/A
P/OCF N/A
P/B N/A
P/tB N/A
EV/EBITDA N/A
EPS(TTM)-0.05
EYN/A
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)-0.08
FCFYN/A
OCF(TTM)-0.08
OCFYN/A
SpS0.39
BVpS-0.13
TBVpS-0.2
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA N/A
ROE N/A
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM 33.23%
FCFM N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y5.49%
GM growth 5Y15.03%
F-Score1
Asset Turnover1.68
Health
Industry RankSector Rank
Debt/Equity N/A
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 7.14%
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 0.47
Quick Ratio 0.46
Altman-Z -1.24
F-Score1
WACC9.27%
ROIC/WACCN/A
Cap/Depr(3y)4.79%
Cap/Depr(5y)9.63%
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)-128.87%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-107.05%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)7.88%
Revenue growth 3Y-7.11%
Revenue growth 5Y-8.67%
Sales Q2Q%3.36%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-1144.11%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-418.68%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-399.87%
OCF growth 3YN/A
OCF growth 5YN/A

Smart Employee Benefits Inc / SEB.CA FAQ

What is the ChartMill fundamental rating of Smart Employee Benefits Inc (SEB.CA) stock?

ChartMill assigns a fundamental rating of 0 / 10 to SEB.CA.


What is the valuation status of Smart Employee Benefits Inc (SEB.CA) stock?

ChartMill assigns a valuation rating of 0 / 10 to Smart Employee Benefits Inc (SEB.CA). This can be considered as Overvalued.


How profitable is Smart Employee Benefits Inc (SEB.CA) stock?

Smart Employee Benefits Inc (SEB.CA) has a profitability rating of 0 / 10.


Is the dividend of Smart Employee Benefits Inc sustainable?

The dividend rating of Smart Employee Benefits Inc (SEB.CA) is 0 / 10 and the dividend payout ratio is 0%.