SOLUTION FINANCIAL INC (SFI.CA) Fundamental Analysis & Valuation

TSX:SFI • CA83439G2009

Current stock price

0.28 CAD
+0.01 (+1.82%)
Last:

This SFI.CA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. SFI.CA Profitability Analysis

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.
  • SFI had positive earnings in each of the past 5 years.
  • SFI had negative operating cash flow in 4 of the past 5 years.
SFI.CA Yearly Net Income VS EBIT VS OCF VS FCFSFI.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 2025 0 5M -5M

1.2 Ratios

  • SFI has a Return On Assets of 0.85%. This is in the lower half of the industry: SFI underperforms 63.33% of its industry peers.
  • SFI has a Return On Equity of 2.64%. This is in the lower half of the industry: SFI underperforms 66.67% of its industry peers.
  • Looking at the Return On Invested Capital, with a value of 3.22%, SFI is in line with its industry, outperforming 46.67% of the companies in the same industry.
  • The Average Return On Invested Capital over the past 3 years for SFI is below the industry average of 7.43%.
Industry RankSector Rank
ROA 0.85%
ROE 2.64%
ROIC 3.22%
ROA(3y)0.66%
ROA(5y)1.5%
ROE(3y)1.77%
ROE(5y)3.66%
ROIC(3y)3.24%
ROIC(5y)3.63%
SFI.CA Yearly ROA, ROE, ROICSFI.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5 -5 -10 -15 -20

1.3 Margins

  • SFI has a Profit Margin of 2.93%. This is in the lower half of the industry: SFI underperforms 66.67% of its industry peers.
  • SFI's Profit Margin has declined in the last couple of years.
  • SFI's Operating Margin of 12.68% is on the low side compared to the rest of the industry. SFI is outperformed by 70.00% of its industry peers.
  • In the last couple of years the Operating Margin of SFI has grown nicely.
  • Looking at the Gross Margin, with a value of 35.40%, SFI is in line with its industry, outperforming 53.33% of the companies in the same industry.
  • In the last couple of years the Gross Margin of SFI has grown nicely.
Industry RankSector Rank
OM 12.68%
PM (TTM) 2.93%
GM 35.4%
OM growth 3Y9.74%
OM growth 5Y4.05%
PM growth 3Y-14.39%
PM growth 5Y-1.61%
GM growth 3Y14.65%
GM growth 5Y8.95%
SFI.CA Yearly Profit, Operating, Gross MarginsSFI.CA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20 -20 40

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2

2. SFI.CA Health Analysis

2.1 Basic Checks

  • SFI has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
  • The number of shares outstanding for SFI has been reduced compared to 1 year ago.
  • The number of shares outstanding for SFI has been increased compared to 5 years ago.
  • The debt/assets ratio for SFI is higher compared to a year ago.
SFI.CA Yearly Shares OutstandingSFI.CA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M
SFI.CA Yearly Total Debt VS Total AssetsSFI.CA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M

2.2 Solvency

  • SFI has an Altman-Z score of 1.11. This is a bad value and indicates that SFI is not financially healthy and even has some risk of bankruptcy.
  • The Altman-Z score of SFI (1.11) is worse than 63.33% of its industry peers.
  • A Debt/Equity ratio of 1.33 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 1.33, SFI is in line with its industry, outperforming 43.33% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 1.33
Debt/FCF N/A
Altman-Z 1.11
ROIC/WACC0.7
WACC4.58%
SFI.CA Yearly LT Debt VS Equity VS FCFSFI.CA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5M -5M 10M

2.3 Liquidity

  • A Current Ratio of 1.11 indicates that SFI should not have too much problems paying its short term obligations.
  • Looking at the Current ratio, with a value of 1.11, SFI is in the better half of the industry, outperforming 73.33% of the companies in the same industry.
  • A Quick Ratio of 1.07 indicates that SFI should not have too much problems paying its short term obligations.
  • The Quick ratio of SFI (1.07) is comparable to the rest of the industry.
Industry RankSector Rank
Current Ratio 1.11
Quick Ratio 1.07
SFI.CA Yearly Current Assets VS Current LiabilitesSFI.CA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M

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1

3. SFI.CA Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an nice 18.75% over the past year.
  • The Earnings Per Share has been decreasing by -8.54% on average over the past years.
  • Looking at the last year, SFI shows a very negative growth in Revenue. The Revenue has decreased by -14.25% in the last year.
  • Measured over the past years, SFI shows a decrease in Revenue. The Revenue has been decreasing by -5.80% on average per year.
EPS 1Y (TTM)18.75%
EPS 3Y-30.18%
EPS 5Y-8.54%
EPS Q2Q%71.43%
Revenue 1Y (TTM)-14.25%
Revenue growth 3Y-19.52%
Revenue growth 5Y-5.8%
Sales Q2Q%28.69%

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.
SFI.CA Yearly Revenue VS EstimatesSFI.CA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M 20M

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1

4. SFI.CA Valuation Analysis

4.1 Price/Earnings Ratio

Industry RankSector Rank
PE N/A
Fwd PE N/A
SFI.CA Price Earnings VS Forward Price EarningsSFI.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, SFI is valued cheaper than 83.33% of the companies in the same industry.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 21.43
SFI.CA Per share dataSFI.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 0.05 0.1

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

3

5. SFI.CA Dividend Analysis

5.1 Amount

  • SFI has a Yearly Dividend Yield of 1.45%.
  • Compared to an average industry Dividend Yield of 5.46, SFI is paying slightly less dividend.
  • SFI's Dividend Yield is slightly below the S&P500 average, which is at 1.89.
Industry RankSector Rank
Dividend Yield 1.45%

5.2 History

  • The dividend of SFI has a limited annual growth rate of 0.51%.
  • 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)0.51%
Div Incr Years0
Div Non Decr Years6
SFI.CA Yearly Dividends per shareSFI.CA Yearly Dividends per shareYearly Dividends per share 2019 2020 2021 2022 2023 2024 2025 2026

5.3 Sustainability

  • 106.88% of the earnings are spent on dividend by SFI. This is not a sustainable payout ratio.
  • The Dividend Rate of SFI has been growing, while earnings will be declining. This means the dividend growth is most likely not sustainable.
DP106.88%
EPS Next 2YN/A
EPS Next 3YN/A
SFI.CA Yearly Income VS Free CF VS DividendSFI.CA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 -2M -4M -6M -8M
SFI.CA Dividend Payout.SFI.CA Dividend Payout, showing the Payout Ratio.SFI.CA Dividend Payout.PayoutRetained Earnings

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SFI.CA Fundamentals: All Metrics, Ratios and Statistics

SOLUTION FINANCIAL INC

TSX:SFI (4/8/2026, 7:00:00 PM)

0.28

+0.01 (+1.82%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)03-18
Earnings (Next)06-10
Inst OwnersN/A
Inst Owner ChangeN/A
Ins Owners68.54%
Ins Owner ChangeN/A
Market Cap23.66M
Revenue(TTM)10.93M
Net Income(TTM)319.70K
Analysts0
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 1.45%
Yearly Dividend0
Dividend Growth(5Y)0.51%
DP106.88%
Div Incr Years0
Div Non Decr Years6
Ex-Date03-02
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 2.17
P/FCF N/A
P/OCF N/A
P/B 1.95
P/tB 1.95
EV/EBITDA 21.43
EPS(TTM)0
EYN/A
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)-0.02
FCFYN/A
OCF(TTM)-0.02
OCFYN/A
SpS0.13
BVpS0.14
TBVpS0.14
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA 0.85%
ROE 2.64%
ROCE 5.78%
ROIC 3.22%
ROICexc 3.42%
ROICexgc 3.42%
OM 12.68%
PM (TTM) 2.93%
GM 35.4%
FCFM N/A
ROA(3y)0.66%
ROA(5y)1.5%
ROE(3y)1.77%
ROE(5y)3.66%
ROIC(3y)3.24%
ROIC(5y)3.63%
ROICexc(3y)3.41%
ROICexc(5y)3.88%
ROICexgc(3y)3.41%
ROICexgc(5y)3.88%
ROCE(3y)5.35%
ROCE(5y)6.55%
ROICexgc growth 3Y-14.74%
ROICexgc growth 5Y-7.61%
ROICexc growth 3Y-14.74%
ROICexc growth 5Y-7.61%
OM growth 3Y9.74%
OM growth 5Y4.05%
PM growth 3Y-14.39%
PM growth 5Y-1.61%
GM growth 3Y14.65%
GM growth 5Y8.95%
F-Score5
Asset Turnover0.29
Health
Industry RankSector Rank
Debt/Equity 1.33
Debt/FCF N/A
Debt/EBITDA 9.44
Cap/Depr 9.61%
Cap/Sales 0.28%
Interest Coverage 395.83
Cash Conversion N/A
Profit Quality N/A
Current Ratio 1.11
Quick Ratio 1.07
Altman-Z 1.11
F-Score5
WACC4.58%
ROIC/WACC0.7
Cap/Depr(3y)8.96%
Cap/Depr(5y)33.06%
Cap/Sales(3y)0.66%
Cap/Sales(5y)7.38%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)18.75%
EPS 3Y-30.18%
EPS 5Y-8.54%
EPS Q2Q%71.43%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-14.25%
Revenue growth 3Y-19.52%
Revenue growth 5Y-5.8%
Sales Q2Q%28.69%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y14.02%
EBIT growth 3Y-11.68%
EBIT growth 5Y-1.98%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y21.65%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y50.21%
OCF growth 3YN/A
OCF growth 5YN/A

SOLUTION FINANCIAL INC / SFI.CA Fundamental Analysis 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.


How profitable is SOLUTION FINANCIAL INC (SFI.CA) stock?

SOLUTION FINANCIAL INC (SFI.CA) has a profitability rating of 2 / 10.


How financially healthy is SOLUTION FINANCIAL INC?

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