SOLUTION FINANCIAL INC (SFI.CA) Stock Fundamental Analysis
Canada - TSX:SFI - CA83439G2009 - Common Stock
0.275 CAD
0 (0%)
We assign a fundamental rating of 2 out of 10 to SFI. SFI was compared to 28 industry peers in the Financial Services industry. Both the profitability and financial health of SFI have multiple concerns. SFI is valued expensive and it does not seem to be growing.
1. Profitability
1.1 Basic Checks
In the past year SFI has reported negative net income.
SFI had a negative operating cash flow in the past year.
In the past 5 years SFI has always been profitable.
In multiple years SFI reported negative operating cash flow during the last 5 years.
1.2 Ratios
SFI's Return On Assets of 0.59% is on the low side compared to the rest of the industry. SFI is outperformed by 60.71% of its industry peers.
Looking at the Return On Equity, with a value of 1.78%, SFI is doing worse than 67.86% of the companies in the same industry.
Looking at the Return On Invested Capital, with a value of 2.77%, SFI is doing worse than 71.43% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for SFI is in line with the industry average of 4.85%.
| 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: 71.43% 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 89.29% of its industry peers.
SFI's Operating Margin has improved in the last couple of years.
The Gross Margin of SFI (35.26%) is better than 64.29% of its industry peers.
SFI's Gross Margin has been stable in the last couple of years.
| 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%
2. Health
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.
Compared to 1 year ago, SFI has a worse debt to assets ratio.
2.2 Solvency
SFI has an Altman-Z score of 1.12. This is a bad value and indicates that SFI is not financially healthy and even has some risk of bankruptcy.
With a Altman-Z score value of 1.12, SFI is not doing good in the industry: 67.86% of the companies in the same industry are doing better.
A Debt/Equity ratio of 1.28 is on the high side and indicates that SFI has dependencies on debt financing.
SFI has a Debt to Equity ratio (1.28) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.28 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 1.12 |
ROIC/WACC0.56
WACC4.91%
2.3 Liquidity
SFI has a Current Ratio of 1.15. This is a normal value and indicates that SFI is financially healthy and should not expect problems in meeting its short term obligations.
SFI's Current ratio of 1.15 is amongst the best of the industry. SFI outperforms 89.29% of its industry peers.
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 better Quick ratio (1.11) than 89.29% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.15 | ||
| Quick Ratio | 1.11 |
3. Growth
3.1 Past
The earnings per share for SFI have decreased strongly by -42.22% in the last year.
The Earnings Per Share has been growing by 12.26% on average over the past years. This is quite good.
Looking at the last year, SFI shows a very negative growth in Revenue. The Revenue has decreased by -20.72% in the last year.
Measured over the past years, SFI shows a small growth in Revenue. The Revenue has been growing by 5.35% on average per year.
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.
4. Valuation
4.1 Price/Earnings Ratio
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | N/A |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, SFI is valued cheaper than 89.29% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 22.48 |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
SFI has a Yearly Dividend Yield of 1.47%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 6.60, SFI is paying slightly less dividend.
SFI's Dividend Yield is slightly below the S&P500 average, which is at 2.30.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.47% |
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.
SFI's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP158.69%
EPS Next 2YN/A
EPS Next 3YN/A
TSX:SFI (10/28/2025, 7:00:00 PM)
0.275
0 (0%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst OwnersN/A
Inst Owner ChangeN/A
Ins Owners68.21%
Ins Owner ChangeN/A
Market Cap23.35M
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 | 1.47% |
Yearly Dividend0
Dividend Growth(5Y)31.95%
DP158.69%
Div Incr Years0
Div Non Decr Years5
Ex-Date
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 | 2.15 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.92 | ||
| P/tB | 1.92 | ||
| EV/EBITDA | 22.48 |
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 | 1.12 |
F-Score3
WACC4.91%
ROIC/WACC0.56
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 of SOLUTION FINANCIAL INC (SFI.CA) stock?
ChartMill assigns a valuation rating of 1 / 10 to SOLUTION FINANCIAL INC (SFI.CA). This can be considered as Overvalued.
What is the profitability of SFI stock?
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 3 / 10.