SFI Fundamental Analysis - SOLUTION FINANCIAL INC

Fundamental Rating

SFI gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 26 industry peers in the Financial Services industry. Both the profitability and financial health of SFI have multiple concerns. SFI has a expensive valuation and it also scores bad on growth.

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1. Profitability

1.1 Basic Checks

SFI had negative earnings in the past year.

In the past year SFI has reported a negative cash flow from operations.

Each year in the past 5 years SFI has been profitable.

The reported operating cash flow has been mixed in the past 5 years: SFI reported negative operating cash flow in multiple years.

1.2 Ratios

SFI's Return On Assets of 0.59% is in line compared to the rest of the industry. SFI outperforms 46.15% of its industry peers.

The Return On Equity of SFI (1.78%) is worse than 76.92% of its industry peers.

SFI has a Return On Invested Capital of 2.77%. This is in the lower half of the industry: SFI underperforms 69.23% of its industry peers.

The Average Return On Invested Capital over the past 3 years for SFI is in line with the industry average of 5.25%.

		Industry Rank	Sector Rank
ROA	0.59%
ROE	1.78%
ROIC	2.77%

ROA(3y)1.36%

ROA(5y)1.63%

ROE(3y)3.1%

ROE(5y)3.98%

ROIC(3y)3.85%

ROIC(5y)3.88%

1.3 Margins

With a Profit Margin value of 2.00%, SFI is not doing good in the industry: 61.54% of the companies in the same industry are doing better.

SFI's Profit Margin has improved in the last couple of years.

SFI has a worse Operating Margin (10.78%) than 80.77% of its industry peers.

SFI's Operating Margin has improved in the last couple of years.

SFI has a better Gross Margin (35.26%) than 61.54% of its industry peers.

In the last couple of years the Gross Margin of SFI has remained more or less at the same level.

		Industry Rank	Sector Rank
OM	10.78%
PM (TTM)	2%
GM	35.26%

OM growth 3Y8.3%

OM growth 5Y5.76%

PM growth 3Y-13.83%

PM growth 5Y8.49%

GM growth 3Y10.36%

GM growth 5Y-0.5%

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so SFI is destroying value.

The number of shares outstanding for SFI has been reduced compared to 1 year ago.

Compared to 5 years ago, SFI has more shares outstanding

SFI has a worse debt/assets ratio than last year.

2.2 Solvency

SFI has an Altman-Z score of 1.13. This is a bad value and indicates that SFI is not financially healthy and even has some risk of bankruptcy.

SFI has a Altman-Z score of 1.13. This is in the lower half of the industry: SFI underperforms 69.23% of its industry peers.

A Debt/Equity ratio of 1.28 is on the high side and indicates that SFI has dependencies on debt financing.

Looking at the Debt to Equity ratio, with a value of 1.28, SFI is in line with its industry, outperforming 53.85% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	1.28
Debt/FCF	N/A
Altman-Z	1.13

ROIC/WACC0.48

WACC5.73%

2.3 Liquidity

A Current Ratio of 1.15 indicates that SFI should not have too much problems paying its short term obligations.

Looking at the Current ratio, with a value of 1.15, SFI is in the better half of the industry, outperforming 73.08% of the companies in the same industry.

SFI has a Quick Ratio of 1.11. This is a normal value and indicates that SFI is financially healthy and should not expect problems in meeting its short term obligations.

SFI has a Quick ratio of 1.11. This is comparable to the rest of the industry: SFI outperforms 57.69% of its industry peers.

		Industry Rank	Sector Rank
Current Ratio	1.15
Quick Ratio	1.11

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The earnings per share for SFI have decreased strongly by -42.22% in the last year.

SFI shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 12.26% yearly.

The Revenue for SFI has decreased by -20.72% in the past year. This is quite bad

SFI shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 5.35% yearly.

EPS 1Y (TTM)-42.22%

EPS 3Y-27.59%

EPS 5Y12.26%

EPS Q2Q%-47.62%

Revenue 1Y (TTM)-20.72%

Revenue growth 3Y-15.11%

Revenue growth 5Y5.35%

Sales Q2Q%-49.16%

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.

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4. Valuation

4.1 Price/Earnings Ratio

		Industry Rank	Sector Rank
PE	N/A
Fwd PE	N/A

4.2 Price Multiples

Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of SFI indicates a rather cheap valuation: SFI is cheaper than 88.46% of the companies listed in the same industry.

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	22.74

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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5. Dividend

5.1 Amount

SFI has a Yearly Dividend Yield of 1.43%.

Compared to an average industry Dividend Yield of 6.13, SFI is paying slightly less dividend.

Compared to the average S&P500 Dividend Yield of 1.94, SFI is paying slightly less dividend.

		Industry Rank	Sector Rank
Dividend Yield	1.43%

5.2 History

The dividend of SFI is nicely growing with an annual growth rate of 31.95%!

SFI has been paying a dividend for over 5 years, so it has already some track record.

SFI has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.

Dividend Growth(5Y)31.95%

Div Incr Years0

Div Non Decr Years5

5.3 Sustainability

158.69% of the earnings are spent on dividend by SFI. This is not a sustainable payout ratio.

The dividend of SFI is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.

DP158.69%

EPS Next 2YN/A

EPS Next 3YN/A

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SOLUTION FINANCIAL INC

TSX:SFI (1/2/2026, 7:00:00 PM)

0.28

0 (0%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupFinancial Services

GICS IndustryFinancial Services

Earnings (Last)09-11 2025-09-11

Earnings (Next)01-23 2026-01-23

Inst OwnersN/A

Inst Owner ChangeN/A

Ins Owners68.21%

Ins Owner ChangeN/A

Market Cap23.78M

Revenue(TTM)10.86M

Net Income(TTM)216.90K

Analysts0

Price TargetN/A

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	1.43%

Yearly Dividend0

Dividend Growth(5Y)31.95%

DP158.69%

Div Incr Years0

Div Non Decr Years5

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 Rank	Sector Rank
PE	N/A
Fwd PE	N/A
P/S	2.19
P/FCF	N/A
P/OCF	N/A
P/B	1.95
P/tB	1.95
EV/EBITDA	22.74

EPS(TTM)0

EYN/A

EPS(NY)N/A

Fwd EYN/A

FCF(TTM)-0.06

FCFYN/A

OCF(TTM)-0.06

OCFYN/A

SpS0.13

BVpS0.14

TBVpS0.14

PEG (NY)N/A

PEG (5Y)N/A

Graham NumberN/A

Profitability

		Industry Rank	Sector Rank
ROA	0.59%
ROE	1.78%
ROCE	4.74%
ROIC	2.77%
ROICexc	2.93%
ROICexgc	2.93%
OM	10.78%
PM (TTM)	2%
GM	35.26%
FCFM	N/A

ROA(3y)1.36%

ROA(5y)1.63%

ROE(3y)3.1%

ROE(5y)3.98%

ROIC(3y)3.85%

ROIC(5y)3.88%

ROICexc(3y)4.06%

ROICexc(5y)4.19%

ROICexgc(3y)4.06%

ROICexgc(5y)4.19%

ROCE(3y)6.6%

ROCE(5y)7.4%

ROICexgc growth 3Y-1.88%

ROICexgc growth 5Y9.55%

ROICexc growth 3Y-1.88%

ROICexc growth 5Y9.55%

OM growth 3Y8.3%

OM growth 5Y5.76%

PM growth 3Y-13.83%

PM growth 5Y8.49%

GM growth 3Y10.36%

GM growth 5Y-0.5%

F-Score3

Asset Turnover0.3

Health

		Industry Rank	Sector Rank
Debt/Equity	1.28
Debt/FCF	N/A
Debt/EBITDA	9.55
Cap/Depr	11.97%
Cap/Sales	0.51%
Interest Coverage	192.05
Cash Conversion	N/A
Profit Quality	N/A
Current Ratio	1.15
Quick Ratio	1.11
Altman-Z	1.13

F-Score3

WACC5.73%

ROIC/WACC0.48

Cap/Depr(3y)5.44%

Cap/Depr(5y)62.95%

Cap/Sales(3y)0.61%

Cap/Sales(5y)19.07%

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)-42.22%

EPS 3Y-27.59%

EPS 5Y12.26%

EPS Q2Q%-47.62%

EPS Next YN/A

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)-20.72%

Revenue growth 3Y-15.11%

Revenue growth 5Y5.35%

Sales Q2Q%-49.16%

Revenue Next YearN/A

Revenue Next 2YN/A

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1Y10.28%

EBIT growth 3Y-8.07%

EBIT growth 5Y11.42%

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y-6.43%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-7.79%

OCF growth 3YN/A

OCF growth 5YN/A

SOLUTION FINANCIAL INC / SFI.CA FAQ

Can you provide the ChartMill fundamental rating for SOLUTION FINANCIAL INC?

ChartMill assigns a fundamental rating of 2 / 10 to SFI.CA.

What is the valuation status for SFI stock?

ChartMill assigns a valuation rating of 1 / 10 to SOLUTION FINANCIAL INC (SFI.CA). This can be considered as Overvalued.

Can you provide the profitability details for SOLUTION FINANCIAL INC?

SOLUTION FINANCIAL INC (SFI.CA) has a profitability rating of 3 / 10.

Can you provide the financial health for SFI stock?

The financial health rating of SOLUTION FINANCIAL INC (SFI.CA) is 2 / 10.

How sustainable is the dividend of SOLUTION FINANCIAL INC (SFI.CA) stock?

The dividend rating of SOLUTION FINANCIAL INC (SFI.CA) is 3 / 10 and the dividend payout ratio is 158.69%.

SOLUTION FINANCIAL INC (SFI.CA) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

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2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens

SOLUTION FINANCIAL INC / SFI.CA FAQ

Can you provide the ChartMill fundamental rating for SOLUTION FINANCIAL INC?

What is the valuation status for SFI stock?

Can you provide the profitability details for SOLUTION FINANCIAL INC?

Can you provide the financial health for SFI stock?

How sustainable is the dividend of SOLUTION FINANCIAL INC (SFI.CA) stock?