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TIMBERCREEK FINA (TF-DB-D.CA) Stock Overview

Canada - TSX:TF-DB-D - CA88709BAE44

98.73 CAD
-0.02 (-0.02%)
Last: 9/11/2025, 7:00:00 PM
Fundamental Rating

3

TF-DB-D gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 29 industry peers in the Financial Services industry. TF-DB-D has a bad profitability rating. Also its financial health evaluation is rather negative. TF-DB-D does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

In the past year TF-DB-D was profitable.
In the past year TF-DB-D has reported a negative cash flow from operations.
In the past 5 years TF-DB-D has always been profitable.
Of the past 5 years TF-DB-D 4 years had a positive operating cash flow.
TF-DB-D.CA Yearly Net Income VS EBIT VS OCF VS FCFTF-DB-D.CA 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 50M -50M 100M

1.2 Ratios

With a Return On Assets value of 2.38%, TF-DB-D perfoms like the industry average, outperforming 50.00% of the companies in the same industry.
Looking at the Return On Equity, with a value of 6.37%, TF-DB-D is doing worse than 64.29% of the companies in the same industry.
TF-DB-D's Return On Invested Capital of 2.93% is on the low side compared to the rest of the industry. TF-DB-D is outperformed by 71.43% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for TF-DB-D is below the industry average of 5.62%.
Industry RankSector 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%
TF-DB-D.CA Yearly ROA, ROE, ROICTF-DB-D.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8

1.3 Margins

Looking at the Profit Margin, with a value of 27.93%, TF-DB-D is in line with its industry, outperforming 50.00% of the companies in the same industry.
In the last couple of years the Profit Margin of TF-DB-D has declined.
TF-DB-D's Operating Margin of 47.36% is in line compared to the rest of the industry. TF-DB-D outperforms 53.57% of its industry peers.
TF-DB-D's Operating Margin has declined in the last couple of years.
TF-DB-D has a better Gross Margin (76.24%) than 89.29% of its industry peers.
TF-DB-D's Gross Margin has been stable in the last couple of years.
Industry RankSector 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%
TF-DB-D.CA Yearly Profit, Operating, Gross MarginsTF-DB-D.CA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20 40 60 80

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3

2. Health

2.1 Basic Checks

The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so TF-DB-D is destroying value.
The number of shares outstanding for TF-DB-D remains at a similar level compared to 1 year ago.
The number of shares outstanding for TF-DB-D has been reduced compared to 5 years ago.
TF-DB-D has a better debt/assets ratio than last year.
TF-DB-D.CA Yearly Shares OutstandingTF-DB-D.CA Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M
TF-DB-D.CA Yearly Total Debt VS Total AssetsTF-DB-D.CA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B

2.2 Solvency

An Altman-Z score of 4.43 indicates that TF-DB-D is not in any danger for bankruptcy at the moment.
TF-DB-D has a Altman-Z score of 4.43. This is comparable to the rest of the industry: TF-DB-D outperforms 50.00% of 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.
The Debt to Equity ratio of TF-DB-D (1.66) is worse than 60.71% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.66
Debt/FCF N/A
Altman-Z 4.43
ROIC/WACC0.39
WACC7.5%
TF-DB-D.CA Yearly LT Debt VS Equity VS FCFTF-DB-D.CA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M 400M 600M 800M 1B

2.3 Liquidity

A Current Ratio of 0.14 indicates that TF-DB-D may have some problems paying its short term obligations.
TF-DB-D's Current ratio of 0.14 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 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.
With a Quick ratio value of 0.14, TF-DB-D perfoms like the industry average, outperforming 53.57% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 0.14
Quick Ratio 0.14
TF-DB-D.CA Yearly Current Assets VS Current LiabilitesTF-DB-D.CA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M

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3

3. Growth

3.1 Past

The earnings per share for TF-DB-D have decreased strongly by -27.40% in the last year.
TF-DB-D shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -3.23% yearly.
TF-DB-D shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -10.40%.
Measured over the past years, TF-DB-D shows a small growth in Revenue. The Revenue has been growing by 4.88% on average per year.
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

Based on estimates for the next years, TF-DB-D will show a quite strong growth in Earnings Per Share. The EPS will grow by 14.88% on average per year.
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 Y28.29%
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

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
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.
TF-DB-D.CA Yearly Revenue VS EstimatesTF-DB-D.CA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 50M 100M 150M
TF-DB-D.CA Yearly EPS VS EstimatesTF-DB-D.CA Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8

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0

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 186.28, the valuation of TF-DB-D can be described as expensive.
Based on the Price/Earnings ratio, TF-DB-D is valued a bit more expensive than 75.00% of the companies in the same industry.
When comparing the Price/Earnings ratio of TF-DB-D to the average of the S&P500 Index (27.30), we can say TF-DB-D is valued expensively.
Based on the Price/Forward Earnings ratio of 133.59, the valuation of TF-DB-D can be described as expensive.
TF-DB-D's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. TF-DB-D is more expensive than 67.86% of the companies in the same industry.
TF-DB-D is valuated expensively when we compare the Price/Forward Earnings ratio to 22.73, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 186.28
Fwd PE 133.59
TF-DB-D.CA Price Earnings VS Forward Price EarningsTF-DB-D.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 50 100 150

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
TF-DB-D.CA Per share dataTF-DB-D.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 4 6 8

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.
TF-DB-D's earnings are expected to grow with 14.88% in the coming years. This may justify a more expensive valuation.
PEG (NY)6.58
PEG (5Y)N/A
EPS Next 2Y14.88%
EPS Next 3YN/A

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5

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 9.04%, TF-DB-D is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 6.71, 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 2.38, TF-DB-D pays a better dividend.
Industry RankSector Rank
Dividend Yield 9.04%

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.
The dividend of TF-DB-D is growing, but earnings are growing more, so the dividend growth is sustainable.
DP118.44%
EPS Next 2Y14.88%
EPS Next 3YN/A
TF-DB-D.CA Yearly Income VS Free CF VS DividendTF-DB-D.CA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M -50M 100M
TF-DB-D.CA Dividend Payout.TF-DB-D.CA Dividend Payout, showing the Payout Ratio.TF-DB-D.CA Dividend Payout.PayoutRetained Earnings

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TIMBERCREEK FINA

TSX:TF-DB-D (9/11/2025, 7:00:00 PM)

98.73

-0.02 (-0.02%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)07-30 2025-07-30/amc
Earnings (Next)10-28 2025-10-28
Inst Owners3.94%
Inst Owner ChangeN/A
Ins Owners0.97%
Ins Owner ChangeN/A
Market Cap8.17B
Analysts80
Price Target108.06 (9.45%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 9.04%
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)1.2%
PT rev (3m)-1.11%
EPS NQ rev (1m)0%
EPS NQ rev (3m)6.5%
EPS NY rev (1m)4.62%
EPS NY rev (3m)4.62%
Revenue NQ rev (1m)-1.43%
Revenue NQ rev (3m)3.88%
Revenue NY rev (1m)-3.29%
Revenue NY rev (3m)-3.29%
Valuation
Industry RankSector Rank
PE 186.28
Fwd PE 133.59
P/S 52.36
P/FCF N/A
P/OCF N/A
P/B 11.95
P/tB 11.95
EV/EBITDA N/A
EPS(TTM)0.53
EY0.54%
EPS(NY)0.74
Fwd EY0.75%
FCF(TTM)-1.19
FCFYN/A
OCF(TTM)-1.18
OCFYN/A
SpS1.89
BVpS8.26
TBVpS8.26
PEG (NY)6.58
PEG (5Y)N/A
Profitability
Industry RankSector 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 RankSector 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 4.43
F-Score3
WACC7.5%
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 Y28.29%
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