SOLUTION FINANCIAL INC (SFI.CA) Stock Fundamental Analysis

TSX:SFI • CA83439G2009

0.28 CAD
0 (0%)
Last: Feb 20, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

2

Overall SFI gets a fundamental rating of 2 out of 10. We evaluated SFI against 29 industry peers in the Financial Services industry. SFI has a bad profitability rating. Also its financial health evaluation is rather negative. SFI has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

3

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.
  • The reported operating cash flow has been mixed in the past 5 years: SFI reported negative operating cash flow in multiple 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 0 5M -5M

1.2 Ratios

  • With a Return On Assets value of 0.59%, SFI perfoms like the industry average, outperforming 44.44% of the companies in the same industry.
  • SFI has a worse Return On Equity (1.78%) than 77.78% 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 74.07% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for SFI is below the industry average of 8.08%.
Industry RankSector 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%
SFI.CA Yearly ROA, ROE, ROICSFI.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 -5 -10 -15 -20

1.3 Margins

  • The Profit Margin of SFI (2.00%) is worse than 62.96% of its industry peers.
  • SFI's Profit Margin has improved in the last couple of years.
  • SFI has a Operating Margin of 10.78%. This is amonst the worse of the industry: SFI underperforms 85.19% 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 35.26%, SFI is in the better half of the industry, outperforming 62.96% of the companies in the same industry.
  • SFI's Gross Margin has been stable in the last couple of years.
Industry RankSector 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%
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 0 20 -20 40

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

2

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.
SFI.CA Yearly Shares OutstandingSFI.CA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 10M 20M 30M

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.
  • With a Altman-Z score value of 1.13, SFI is not doing good in the industry: 70.37% 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's Debt to Equity ratio of 1.28 is in line compared to the rest of the industry. SFI outperforms 51.85% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.28
Debt/FCF N/A
Altman-Z 1.13
ROIC/WACC0.47
WACC5.88%
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 0 5M -5M 10M

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.
  • The Current ratio of SFI (1.15) is better than 70.37% of its industry peers.
  • A Quick Ratio of 1.11 indicates that SFI should not have too much problems paying its short term obligations.
  • SFI has a Quick ratio (1.11) which is comparable to the rest of the industry.
Industry RankSector Rank
Current Ratio 1.15
Quick Ratio 1.11
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 5M 10M

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

1

3. Growth

3.1 Past

  • The earnings per share for SFI have decreased strongly by -42.22% in the last year.
  • Measured over the past years, SFI shows a quite strong growth in Earnings Per Share. The EPS has been growing by 12.26% on average per year.
  • SFI shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -20.72%.
  • 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.
SFI.CA Yearly Revenue VS EstimatesSFI.CA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M

More info and screens

Find the best growth stocksShow best growing peers

1

4. Valuation

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

  • 81.48% of the companies in the same industry are more expensive than SFI, based on the Enterprise Value to EBITDA ratio.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 22.74
SFI.CA Per share dataSFI.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 0.05 -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

More info and screens

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

3

5. Dividend

5.1 Amount

  • SFI has a Yearly Dividend Yield of 1.44%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 5.63, SFI is paying slightly less dividend.
  • SFI's Dividend Yield is slightly below the S&P500 average, which is at 1.81.
Industry RankSector Rank
Dividend Yield 1.44%

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
SFI.CA Yearly Dividends per shareSFI.CA Yearly Dividends per shareYearly Dividends per share 2019 2020 2021 2022 2023 2024 2025

5.3 Sustainability

  • SFI pays out 158.69% of its income as dividend. 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
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 0 -2M -4M -6M -8M
SFI.CA Dividend Payout.SFI.CA Dividend Payout, showing the Payout Ratio.SFI.CA Dividend Payout.PayoutRetained Earnings

More info and screens

Find the best dividend stocksShow peers with best dividend

SOLUTION FINANCIAL INC

TSX:SFI (2/20/2026, 7:00:00 PM)

0.28

0 (0%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)01-29
Earnings (Next)03-12
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 RankSector Rank
Dividend Yield 1.44%
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 RankSector 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 RankSector 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 RankSector 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
WACC5.88%
ROIC/WACC0.47
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%.