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SWK HOLDINGS CORP (SWKH) Stock Fundamental Analysis

NASDAQ:SWKH - Nasdaq - US78501P2039 - Common Stock - Currency: USD

14.26  -0.1 (-0.7%)

Fundamental Rating

5

SWKH gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 101 industry peers in the Financial Services industry. While SWKH has a great health rating, its profitability is only average at the moment. SWKH has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

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5

1. Profitability

1.1 Basic Checks

SWKH had positive earnings in the past year.
In the past year SWKH had a positive cash flow from operations.
Each year in the past 5 years SWKH has been profitable.
Each year in the past 5 years SWKH had a positive operating cash flow.
SWKH Yearly Net Income VS EBIT VS OCF VS FCFSWKH Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10M 20M 30M

1.2 Ratios

SWKH has a better Return On Assets (4.10%) than 75.25% of its industry peers.
SWKH has a worse Return On Equity (4.72%) than 64.36% of its industry peers.
SWKH has a Return On Invested Capital (4.30%) which is comparable to the rest of the industry.
The Average Return On Invested Capital over the past 3 years for SWKH is significantly below the industry average of 11.69%.
The 3 year average ROIC (3.95%) for SWKH is below the current ROIC(4.30%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 4.1%
ROE 4.72%
ROIC 4.3%
ROA(3y)4.44%
ROA(5y)4.88%
ROE(3y)5.05%
ROE(5y)5.4%
ROIC(3y)3.95%
ROIC(5y)4.55%
SWKH Yearly ROA, ROE, ROICSWKH Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 10

1.3 Margins

The Profit Margin of SWKH (24.30%) is better than 81.19% of its industry peers.
In the last couple of years the Profit Margin of SWKH has declined.
The Operating Margin of SWKH (34.15%) is better than 78.22% of its industry peers.
In the last couple of years the Operating Margin of SWKH has declined.
Industry RankSector Rank
OM 34.15%
PM (TTM) 24.3%
GM N/A
OM growth 3Y-11.7%
OM growth 5Y-4.72%
PM growth 3Y-13.35%
PM growth 5Y-17.3%
GM growth 3YN/A
GM growth 5YN/A
SWKH Yearly Profit, Operating, Gross MarginsSWKH Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50 100

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7

2. Health

2.1 Basic Checks

With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), SWKH is destroying value.
SWKH has less shares outstanding than it did 1 year ago.
SWKH has less shares outstanding than it did 5 years ago.
The debt/assets ratio for SWKH has been reduced compared to a year ago.
SWKH Yearly Shares OutstandingSWKH Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M 8M 10M
SWKH Yearly Total Debt VS Total AssetsSWKH Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M

2.2 Solvency

Based on the Altman-Z score of -14.59, we must say that SWKH is in the distress zone and has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of -14.59, SWKH is doing worse than 79.21% of the companies in the same industry.
The Debt to FCF ratio of SWKH is 1.64, which is an excellent value as it means it would take SWKH, only 1.64 years of fcf income to pay off all of its debts.
SWKH's Debt to FCF ratio of 1.64 is fine compared to the rest of the industry. SWKH outperforms 78.22% of its industry peers.
A Debt/Equity ratio of 0.13 indicates that SWKH is not too dependend on debt financing.
SWKH's Debt to Equity ratio of 0.13 is fine compared to the rest of the industry. SWKH outperforms 74.26% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.13
Debt/FCF 1.64
Altman-Z -14.59
ROIC/WACC0.51
WACC8.44%
SWKH Yearly LT Debt VS Equity VS FCFSWKH Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M 250M

2.3 Liquidity

SWKH has a Current Ratio of 3.64. This indicates that SWKH is financially healthy and has no problem in meeting its short term obligations.
SWKH's Current ratio of 3.64 is amongst the best of the industry. SWKH outperforms 88.12% of its industry peers.
A Quick Ratio of 3.64 indicates that SWKH has no problem at all paying its short term obligations.
SWKH has a better Quick ratio (3.64) than 89.11% of its industry peers.
Industry RankSector Rank
Current Ratio 3.64
Quick Ratio 3.64
SWKH Yearly Current Assets VS Current LiabilitesSWKH Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M 50M

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4

3. Growth

3.1 Past

SWKH shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 93.81%, which is quite impressive.
Measured over the past years, SWKH shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -10.15% on average per year.
Looking at the last year, SWKH shows a quite strong growth in Revenue. The Revenue has grown by 19.14% in the last year.
SWKH shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 7.94% yearly.
EPS 1Y (TTM)93.81%
EPS 3Y-22.58%
EPS 5Y-10.15%
EPS Q2Q%842.86%
Revenue 1Y (TTM)19.14%
Revenue growth 3Y-7.15%
Revenue growth 5Y7.94%
Sales Q2Q%0.43%

3.2 Future

Based on estimates for the next years, SWKH will show a small growth in Earnings Per Share. The EPS will grow by 7.44% on average per year.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next Y-13.02%
EPS Next 2Y7.44%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year6.17%
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
SWKH Yearly Revenue VS EstimatesSWKH Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M 40M 50M
SWKH Yearly EPS VS EstimatesSWKH Yearly EPS VS EstimatesYearly EPS VS Estimates 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5 2 2.5

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6

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 7.59 indicates a rather cheap valuation of SWKH.
Based on the Price/Earnings ratio, SWKH is valued cheaply inside the industry as 81.19% of the companies are valued more expensively.
When comparing the Price/Earnings ratio of SWKH to the average of the S&P500 Index (26.60), we can say SWKH is valued rather cheaply.
A Price/Forward Earnings ratio of 9.58 indicates a reasonable valuation of SWKH.
SWKH's Price/Forward Earnings ratio is in line with the industry average.
SWKH is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.43, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 7.59
Fwd PE 9.58
SWKH Price Earnings VS Forward Price EarningsSWKH Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

69.31% of the companies in the same industry are more expensive than SWKH, based on the Enterprise Value to EBITDA ratio.
SWKH's Price/Free Cash Flow ratio is rather cheap when compared to the industry. SWKH is cheaper than 85.15% of the companies in the same industry.
Industry RankSector Rank
P/FCF 7.64
EV/EBITDA 10.07
SWKH Per share dataSWKH EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y7.44%
EPS Next 3YN/A

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4

5. Dividend

5.1 Amount

SWKH has a Yearly Dividend Yield of 28.05%, which is a nice return.
SWKH's Dividend Yield is rather good when compared to the industry average which is at 4.87. SWKH pays more dividend than 100.00% of the companies in the same industry.
SWKH's Dividend Yield is rather good when compared to the S&P500 average which is at 2.36.
Industry RankSector Rank
Dividend Yield 28.05%

5.2 History

SWKH is new to the dividend game and has less than 3 years of track record.
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0
SWKH Yearly Dividends per shareSWKH Yearly Dividends per shareYearly Dividends per share 2025 0 0 0 0 0

5.3 Sustainability

DPN/A
EPS Next 2Y7.44%
EPS Next 3YN/A
SWKH Yearly Income VS Free CF VS DividendSWKH Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10M 20M 30M

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SWK HOLDINGS CORP

NASDAQ:SWKH (5/20/2025, 8:00:01 PM)

14.26

-0.1 (-0.7%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)05-15 2025-05-15/amc
Earnings (Next)08-12 2025-08-12
Inst Owners88.16%
Inst Owner Change-0.38%
Ins Owners5.11%
Ins Owner Change2.62%
Market Cap174.97M
Analysts82.86
Price Target23.97 (68.09%)
Short Float %0.52%
Short Ratio2.73
Dividend
Industry RankSector Rank
Dividend Yield 28.05%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-Date04-24 2025-04-24 (4)
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-40.73%
Min EPS beat(2)-43.68%
Max EPS beat(2)-37.78%
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)2
Avg Revenue beat(2)16.23%
Min Revenue beat(2)7.51%
Max Revenue beat(2)24.94%
Revenue beat(4)4
Avg Revenue beat(4)18.62%
Min Revenue beat(4)7.51%
Max Revenue beat(4)24.94%
Revenue beat(8)7
Avg Revenue beat(8)10.82%
Revenue beat(12)10
Avg Revenue beat(12)14.02%
Revenue beat(16)14
Avg Revenue beat(16)23.6%
PT rev (1m)0%
PT rev (3m)-2.08%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-38.3%
EPS NY rev (1m)0%
EPS NY rev (3m)-44.44%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 7.59
Fwd PE 9.58
P/S 3.12
P/FCF 7.64
P/OCF 7.59
P/B 0.61
P/tB 0.61
EV/EBITDA 10.07
EPS(TTM)1.88
EY13.18%
EPS(NY)1.49
Fwd EY10.44%
FCF(TTM)1.87
FCFY13.09%
OCF(TTM)1.88
OCFY13.17%
SpS4.57
BVpS23.53
TBVpS23.53
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 4.1%
ROE 4.72%
ROCE 5.86%
ROIC 4.3%
ROICexc 4.38%
ROICexgc 4.38%
OM 34.15%
PM (TTM) 24.3%
GM N/A
FCFM 40.89%
ROA(3y)4.44%
ROA(5y)4.88%
ROE(3y)5.05%
ROE(5y)5.4%
ROIC(3y)3.95%
ROIC(5y)4.55%
ROICexc(3y)4.02%
ROICexc(5y)4.91%
ROICexgc(3y)4.12%
ROICexgc(5y)5.19%
ROCE(3y)5.39%
ROCE(5y)6.24%
ROICexcg growth 3Y-28.21%
ROICexcg growth 5Y-5.98%
ROICexc growth 3Y-26.22%
ROICexc growth 5Y-3.09%
OM growth 3Y-11.7%
OM growth 5Y-4.72%
PM growth 3Y-13.35%
PM growth 5Y-17.3%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.17
Health
Industry RankSector Rank
Debt/Equity 0.13
Debt/FCF 1.64
Debt/EBITDA 1.83
Cap/Depr 9.86%
Cap/Sales 0.25%
Interest Coverage 6.21
Cash Conversion 112.25%
Profit Quality 168.29%
Current Ratio 3.64
Quick Ratio 3.64
Altman-Z -14.59
F-Score7
WACC8.44%
ROIC/WACC0.51
Cap/Depr(3y)13.55%
Cap/Depr(5y)19.97%
Cap/Sales(3y)0.78%
Cap/Sales(5y)3%
Profit Quality(3y)106.32%
Profit Quality(5y)148.41%
High Growth Momentum
Growth
EPS 1Y (TTM)93.81%
EPS 3Y-22.58%
EPS 5Y-10.15%
EPS Q2Q%842.86%
EPS Next Y-13.02%
EPS Next 2Y7.44%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)19.14%
Revenue growth 3Y-7.15%
Revenue growth 5Y7.94%
Sales Q2Q%0.43%
Revenue Next Year6.17%
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y2.87%
EBIT growth 3Y-18.01%
EBIT growth 5Y2.84%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y59.2%
FCF growth 3Y-11.65%
FCF growth 5Y4.32%
OCF growth 1Y54.83%
OCF growth 3Y-12.41%
OCF growth 5Y4.45%