TIMBERCREEK FINA (TF-DB-D.CA) Stock Overview
Canada - TSX:TF-DB-D - CA88709BAE44
99.35 CAD
-0.04 (-0.04%)
We assign a fundamental rating of 3 out of 10 to TF-DB-D. TF-DB-D was compared to 28 industry peers in the Financial Services industry. TF-DB-D has a medium profitability rating, but doesn't score so well on its financial health evaluation. TF-DB-D does not seem to be growing, but still is valued expensively.
1. Profitability
1.1 Basic Checks
TF-DB-D had positive earnings in the past year.
TF-DB-D had a negative operating cash flow in the past year.
TF-DB-D had positive earnings in each of the past 5 years.
Of the past 5 years TF-DB-D 4 years had a positive operating cash flow.
1.2 Ratios
TF-DB-D's Return On Assets of 2.38% is in line compared to the rest of the industry. TF-DB-D outperforms 53.57% of its industry peers.
TF-DB-D has a Return On Equity of 6.37%. This is in the lower half of the industry: TF-DB-D underperforms 60.71% of its industry peers.
Looking at the Return On Invested Capital, with a value of 2.93%, TF-DB-D is doing worse than 64.29% of the companies in the same industry.
TF-DB-D had an Average Return On Invested Capital over the past 3 years of 3.56%. This is in line with the industry average of 5.33%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.38% | ||
| ROE | 6.37% | ||
| ROIC | 2.93% |
ROA(3y)3.1%
ROA(5y)2.71%
ROE(3y)8.07%
ROE(5y)6.98%
ROIC(3y)3.56%
ROIC(5y)3.44%
1.3 Margins
The Profit Margin of TF-DB-D (27.93%) is comparable to the rest of the industry.
TF-DB-D's Profit Margin has declined in the last couple of years.
The Operating Margin of TF-DB-D (47.36%) is comparable to the rest of the industry.
TF-DB-D's Operating Margin has declined in the last couple of years.
The Gross Margin of TF-DB-D (76.24%) is better than 89.29% of its industry peers.
TF-DB-D's Gross Margin has been stable in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 47.36% | ||
| PM (TTM) | 27.93% | ||
| GM | 76.24% |
OM growth 3Y-10.36%
OM growth 5Y-6.93%
PM growth 3Y-6.9%
PM growth 5Y-7.84%
GM growth 3Y-1.7%
GM growth 5Y-1.17%
2. Health
2.1 Basic Checks
TF-DB-D 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 TF-DB-D remains at a similar level compared to 1 year ago.
Compared to 5 years ago, TF-DB-D has less shares outstanding
Compared to 1 year ago, TF-DB-D has an improved debt to assets ratio.
2.2 Solvency
An Altman-Z score of 4.46 indicates that TF-DB-D is not in any danger for bankruptcy at the moment.
TF-DB-D has a Altman-Z score (4.46) which is in line with its industry peers.
A Debt/Equity ratio of 1.66 is on the high side and indicates that TF-DB-D has dependencies on debt financing.
TF-DB-D has a Debt to Equity ratio of 1.66. This is in the lower half of the industry: TF-DB-D underperforms 60.71% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.66 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 4.46 |
ROIC/WACC0.39
WACC7.46%
2.3 Liquidity
A Current Ratio of 0.14 indicates that TF-DB-D may have some problems paying its short term obligations.
The Current ratio of TF-DB-D (0.14) is comparable to the rest of the industry.
TF-DB-D has a Quick Ratio of 0.14. This is a bad value and indicates that TF-DB-D is not financially healthy enough and could expect problems in meeting its short term obligations.
The Quick ratio of TF-DB-D (0.14) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.14 | ||
| Quick Ratio | 0.14 |
3. Growth
3.1 Past
TF-DB-D shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -27.40%.
Measured over the past years, TF-DB-D shows a decrease in Earnings Per Share. The EPS has been decreasing by -3.23% on average per year.
TF-DB-D shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -10.40%.
The Revenue has been growing slightly by 4.88% on average over the past years.
EPS 1Y (TTM)-27.4%
EPS 3Y-6.27%
EPS 5Y-3.23%
EPS Q2Q%-21.05%
Revenue 1Y (TTM)-10.4%
Revenue growth 3Y11.46%
Revenue growth 5Y4.88%
Sales Q2Q%-12.62%
3.2 Future
The Earnings Per Share is expected to grow by 14.88% on average over the next years. This is quite good.
TF-DB-D is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.61% yearly.
EPS Next Y26.91%
EPS Next 2Y14.88%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year6.73%
Revenue Next 2Y5.61%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
4. Valuation
4.1 Price/Earnings Ratio
TF-DB-D is valuated quite expensively with a Price/Earnings ratio of 187.45.
75.00% of the companies in the same industry are cheaper than TF-DB-D, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of TF-DB-D to the average of the S&P500 Index (27.86), we can say TF-DB-D is valued expensively.
With a Price/Forward Earnings ratio of 134.43, TF-DB-D can be considered very expensive at the moment.
Compared to the rest of the industry, the Price/Forward Earnings ratio of TF-DB-D indicates a slightly more expensive valuation: TF-DB-D is more expensive than 67.86% of the companies listed in the same industry.
TF-DB-D is valuated expensively when we compare the Price/Forward Earnings ratio to 23.32, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 187.45 | ||
| Fwd PE | 134.43 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates TF-DB-D does not grow enough to justify the current Price/Earnings ratio.
A more expensive valuation may be justified as TF-DB-D's earnings are expected to grow with 14.88% in the coming years.
PEG (NY)6.97
PEG (5Y)N/A
EPS Next 2Y14.88%
EPS Next 3YN/A
5. Dividend
5.1 Amount
TF-DB-D has a Yearly Dividend Yield of 9.24%, which is a nice return.
Compared to an average industry Dividend Yield of 6.68, TF-DB-D pays a better dividend. On top of this TF-DB-D pays more dividend than 92.86% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.44, TF-DB-D pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 9.24% |
5.2 History
The dividend of TF-DB-D has a limited annual growth rate of 1.26%.
TF-DB-D is new to the dividend game and has less than 3 years of track record.
Dividend Growth(5Y)1.26%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
118.44% of the earnings are spent on dividend by TF-DB-D. This is not a sustainable payout ratio.
TF-DB-D's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP118.44%
EPS Next 2Y14.88%
EPS Next 3YN/A
TSX:TF-DB-D (10/2/2025, 7:00:00 PM)
99.35
-0.04 (-0.04%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners3.2%
Inst Owner ChangeN/A
Ins Owners0.96%
Ins Owner ChangeN/A
Market Cap8.22B
Analysts80
Price Target108.87 (9.58%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 9.24% |
Yearly Dividend0.68
Dividend Growth(5Y)1.26%
DP118.44%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-5%
Min EPS beat(2)-14.33%
Max EPS beat(2)4.33%
EPS beat(4)1
Avg EPS beat(4)-25.12%
Min EPS beat(4)-82.17%
Max EPS beat(4)4.33%
EPS beat(8)2
Avg EPS beat(8)-14.33%
EPS beat(12)2
Avg EPS beat(12)-11.87%
EPS beat(16)3
Avg EPS beat(16)-9.67%
Revenue beat(2)2
Avg Revenue beat(2)14.46%
Min Revenue beat(2)2.85%
Max Revenue beat(2)26.07%
Revenue beat(4)3
Avg Revenue beat(4)5.43%
Min Revenue beat(4)-11.82%
Max Revenue beat(4)26.07%
Revenue beat(8)7
Avg Revenue beat(8)25.94%
Revenue beat(12)11
Avg Revenue beat(12)29.35%
Revenue beat(16)15
Avg Revenue beat(16)26.74%
PT rev (1m)2.36%
PT rev (3m)-0.37%
EPS NQ rev (1m)0%
EPS NQ rev (3m)2.9%
EPS NY rev (1m)-1.08%
EPS NY rev (3m)3.5%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.43%
Revenue NY rev (1m)-1.38%
Revenue NY rev (3m)-3.29%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 187.45 | ||
| Fwd PE | 134.43 | ||
| P/S | 52.69 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 12.03 | ||
| P/tB | 12.03 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.53
EY0.53%
EPS(NY)0.74
Fwd EY0.74%
FCF(TTM)-1.19
FCFYN/A
OCF(TTM)-1.18
OCFYN/A
SpS1.89
BVpS8.26
TBVpS8.26
PEG (NY)6.97
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.38% | ||
| ROE | 6.37% | ||
| ROCE | 4.07% | ||
| ROIC | 2.93% | ||
| ROICexc | 2.93% | ||
| ROICexgc | 2.94% | ||
| OM | 47.36% | ||
| PM (TTM) | 27.93% | ||
| GM | 76.24% | ||
| FCFM | N/A |
ROA(3y)3.1%
ROA(5y)2.71%
ROE(3y)8.07%
ROE(5y)6.98%
ROIC(3y)3.56%
ROIC(5y)3.44%
ROICexc(3y)3.58%
ROICexc(5y)3.46%
ROICexgc(3y)3.6%
ROICexgc(5y)3.48%
ROCE(3y)4.95%
ROCE(5y)4.79%
ROICexcg growth 3Y0.03%
ROICexcg growth 5Y-1.67%
ROICexc growth 3Y0.02%
ROICexc growth 5Y-1.62%
OM growth 3Y-10.36%
OM growth 5Y-6.93%
PM growth 3Y-6.9%
PM growth 5Y-7.84%
GM growth 3Y-1.7%
GM growth 5Y-1.17%
F-Score3
Asset Turnover0.09
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.66 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 2.14 | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | 0.14 | ||
| Quick Ratio | 0.14 | ||
| Altman-Z | 4.46 |
F-Score3
WACC7.46%
ROIC/WACC0.39
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-27.4%
EPS 3Y-6.27%
EPS 5Y-3.23%
EPS Q2Q%-21.05%
EPS Next Y26.91%
EPS Next 2Y14.88%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-10.4%
Revenue growth 3Y11.46%
Revenue growth 5Y4.88%
Sales Q2Q%-12.62%
Revenue Next Year6.73%
Revenue Next 2Y5.61%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-21.66%
EBIT growth 3Y-0.09%
EBIT growth 5Y-2.39%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-201.42%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-200.88%
OCF growth 3YN/A
OCF growth 5YN/A