7.27 USD
+0.07 (+0.97%)
WHF gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 238 industry peers in the Capital Markets industry. WHF has a bad profitability rating. Also its financial health evaluation is rather negative. WHF has a valuation in line with the averages, but on the other hand it scores bad on growth.
1. Profitability
1.1 Basic Checks
In the past year WHF was profitable.
In the past year WHF had a positive cash flow from operations.
Each year in the past 5 years WHF has been profitable.
The reported operating cash flow has been mixed in the past 5 years: WHF reported negative operating cash flow in multiple years.
1.2 Ratios
WHF has a Return On Assets (1.57%) which is comparable to the rest of the industry.
WHF's Return On Equity of 3.72% is on the low side compared to the rest of the industry. WHF is outperformed by 66.39% of its industry peers.
WHF has a Return On Invested Capital (3.69%) which is in line with its industry peers.
WHF had an Average Return On Invested Capital over the past 3 years of 4.40%. This is below the industry average of 6.96%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.57% | ||
| ROE | 3.72% | ||
| ROIC | 3.69% |
ROA(3y)2.12%
ROA(5y)2.86%
ROE(3y)4.98%
ROE(5y)6.74%
ROIC(3y)4.4%
ROIC(5y)3.74%
1.3 Margins
The Profit Margin of WHF (12.91%) is comparable to the rest of the industry.
In the last couple of years the Profit Margin of WHF has declined.
Looking at the Operating Margin, with a value of 36.00%, WHF is in the better half of the industry, outperforming 66.81% of the companies in the same industry.
WHF's Operating Margin has declined in the last couple of years.
WHF has a Gross Margin of 43.86%. This is comparable to the rest of the industry: WHF outperforms 50.00% of its industry peers.
WHF's Gross Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 36% | ||
| PM (TTM) | 12.91% | ||
| GM | 43.86% |
OM growth 3Y0.18%
OM growth 5Y-2.92%
PM growth 3Y-34.56%
PM growth 5Y-23.96%
GM growth 3Y-0.25%
GM growth 5Y-2.13%
2. Health
2.1 Basic Checks
Compared to 1 year ago, WHF has about the same amount of shares outstanding.
Compared to 5 years ago, WHF has more shares outstanding
Compared to 1 year ago, WHF has an improved debt to assets ratio.
2.2 Solvency
Based on the Altman-Z score of 0.36, we must say that WHF is in the distress zone and has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of 0.36, WHF is doing worse than 68.91% of the companies in the same industry.
WHF has a debt to FCF ratio of 3.32. This is a good value and a sign of high solvency as WHF would need 3.32 years to pay back of all of its debts.
With a decent Debt to FCF ratio value of 3.32, WHF is doing good in the industry, outperforming 76.47% of the companies in the same industry.
A Debt/Equity ratio of 1.22 is on the high side and indicates that WHF has dependencies on debt financing.
WHF has a Debt to Equity ratio of 1.22. This is in the lower half of the industry: WHF underperforms 60.08% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.22 | ||
| Debt/FCF | 3.32 | ||
| Altman-Z | 0.36 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
WHF has a Current Ratio of 0.57. This is a bad value and indicates that WHF is not financially healthy enough and could expect problems in meeting its short term obligations.
WHF has a Current ratio of 0.57. This is in the lower half of the industry: WHF underperforms 72.69% of its industry peers.
A Quick Ratio of 0.57 indicates that WHF may have some problems paying its short term obligations.
WHF's Quick ratio of 0.57 is on the low side compared to the rest of the industry. WHF is outperformed by 72.69% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.57 | ||
| Quick Ratio | 0.57 |
3. Growth
3.1 Past
WHF shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -31.48%.
Measured over the past 5 years, WHF shows a small growth in Earnings Per Share. The EPS has been growing by 1.13% on average per year.
The Revenue for WHF has decreased by -21.66% in the past year. This is quite bad
The Revenue has been growing slightly by 6.71% on average over the past years.
EPS 1Y (TTM)-31.48%
EPS 3Y4.48%
EPS 5Y1.13%
EPS Q2Q%-35%
Revenue 1Y (TTM)-21.66%
Revenue growth 3Y8.76%
Revenue growth 5Y6.71%
Sales Q2Q%-51.71%
3.2 Future
The Earnings Per Share is expected to decrease by -11.60% on average over the next years. This is quite bad
Based on estimates for the next years, WHF will show a very negative growth in Revenue. The Revenue will decrease by -10.34% on average per year.
EPS Next Y-27.61%
EPS Next 2Y-17.35%
EPS Next 3Y-11.6%
EPS Next 5YN/A
Revenue Next Year-20.42%
Revenue Next 2Y-12.58%
Revenue Next 3Y-10.34%
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 decreasing.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
WHF is valuated cheaply with a Price/Earnings ratio of 6.16.
WHF's Price/Earnings ratio is rather cheap when compared to the industry. WHF is cheaper than 89.50% of the companies in the same industry.
WHF's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.31.
Based on the Price/Forward Earnings ratio of 6.62, the valuation of WHF can be described as very cheap.
Based on the Price/Forward Earnings ratio, WHF is valued cheaply inside the industry as 88.66% of the companies are valued more expensively.
WHF is valuated cheaply when we compare the Price/Forward Earnings ratio to 36.56, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.16 | ||
| Fwd PE | 6.62 |
4.2 Price Multiples
WHF's Price/Free Cash Flow ratio is rather cheap when compared to the industry. WHF is cheaper than 93.70% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.73 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
A cheap valuation may be justified as WHF's earnings are expected to decrease with -11.60% in the coming years.
PEG (NY)N/A
PEG (5Y)5.44
EPS Next 2Y-17.35%
EPS Next 3Y-11.6%
5. Dividend
5.1 Amount
WHF has a Yearly Dividend Yield of 21.45%, which is a nice return.
WHF's Dividend Yield is rather good when compared to the industry average which is at 8.39. WHF pays more dividend than 97.48% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.32, WHF pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 21.45% |
5.2 History
The dividend of WHF has a limited annual growth rate of 1.98%.
WHF has been paying a dividend for at least 10 years, so it has a reliable track record.
WHF has decreased its dividend in the last 3 years.
Dividend Growth(5Y)1.98%
Div Incr Years2
Div Non Decr Years2
5.3 Sustainability
420.82% of the earnings are spent on dividend by WHF. This is not a sustainable payout ratio.
The Dividend Rate of WHF has been growing, while earnings will be declining. This means the dividend growth is most likely not sustainable.
DP420.82%
EPS Next 2Y-17.35%
EPS Next 3Y-11.6%
NASDAQ:WHF (11/28/2025, 8:06:17 PM)
7.27
+0.07 (+0.97%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)
Earnings (Next)
Inst Owners15.04%
Inst Owner Change-0.86%
Ins Owners4.4%
Ins Owner Change5.08%
Market Cap168.95M
Revenue(TTM)76.34M
Net Income(TTM)9.86M
Analysts48.33
Price Target7.82 (7.57%)
Short Float %2.74%
Short Ratio2.97
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 21.45% |
Yearly Dividend1.79
Dividend Growth(5Y)1.98%
DP420.82%
Div Incr Years2
Div Non Decr Years2
Ex-Date
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-8.51%
Min EPS beat(2)-10.38%
Max EPS beat(2)-6.64%
EPS beat(4)0
Avg EPS beat(4)-10.56%
Min EPS beat(4)-13.41%
Max EPS beat(4)-6.64%
EPS beat(8)1
Avg EPS beat(8)-7.23%
EPS beat(12)4
Avg EPS beat(12)-3.58%
EPS beat(16)5
Avg EPS beat(16)-4.19%
Revenue beat(2)0
Avg Revenue beat(2)-22.24%
Min Revenue beat(2)-41.9%
Max Revenue beat(2)-2.58%
Revenue beat(4)0
Avg Revenue beat(4)-15.4%
Min Revenue beat(4)-41.9%
Max Revenue beat(4)-2.58%
Revenue beat(8)1
Avg Revenue beat(8)-11.62%
Revenue beat(12)4
Avg Revenue beat(12)-6.71%
Revenue beat(16)5
Avg Revenue beat(16)-5.74%
PT rev (1m)-23.33%
PT rev (3m)-23.33%
EPS NQ rev (1m)-6.86%
EPS NQ rev (3m)-6.05%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.65%
Revenue NQ rev (1m)-0.87%
Revenue NQ rev (3m)-0.87%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.49%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.16 | ||
| Fwd PE | 6.62 | ||
| P/S | 2.21 | ||
| P/FCF | 1.73 | ||
| P/OCF | 1.73 | ||
| P/B | 0.64 | ||
| P/tB | 0.64 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.18
EY16.23%
EPS(NY)1.1
Fwd EY15.11%
FCF(TTM)4.19
FCFY57.64%
OCF(TTM)4.19
OCFY57.64%
SpS3.28
BVpS11.41
TBVpS11.41
PEG (NY)N/A
PEG (5Y)5.44
Graham Number17.41
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.57% | ||
| ROE | 3.72% | ||
| ROCE | 4.67% | ||
| ROIC | 3.69% | ||
| ROICexc | 3.75% | ||
| ROICexgc | 3.75% | ||
| OM | 36% | ||
| PM (TTM) | 12.91% | ||
| GM | 43.86% | ||
| FCFM | 127.57% |
ROA(3y)2.12%
ROA(5y)2.86%
ROE(3y)4.98%
ROE(5y)6.74%
ROIC(3y)4.4%
ROIC(5y)3.74%
ROICexc(3y)4.47%
ROICexc(5y)3.79%
ROICexgc(3y)4.47%
ROICexgc(5y)3.79%
ROCE(3y)5.57%
ROCE(5y)4.73%
ROICexgc growth 3Y18.87%
ROICexgc growth 5Y2.95%
ROICexc growth 3Y18.87%
ROICexc growth 5Y2.95%
OM growth 3Y0.18%
OM growth 5Y-2.92%
PM growth 3Y-34.56%
PM growth 5Y-23.96%
GM growth 3Y-0.25%
GM growth 5Y-2.13%
F-Score4
Asset Turnover0.12
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.22 | ||
| Debt/FCF | 3.32 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 1.26 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 987.8% | ||
| Current Ratio | 0.57 | ||
| Quick Ratio | 0.57 | ||
| Altman-Z | 0.36 |
F-Score4
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)542.55%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-31.48%
EPS 3Y4.48%
EPS 5Y1.13%
EPS Q2Q%-35%
EPS Next Y-27.61%
EPS Next 2Y-17.35%
EPS Next 3Y-11.6%
EPS Next 5YN/A
Revenue 1Y (TTM)-21.66%
Revenue growth 3Y8.76%
Revenue growth 5Y6.71%
Sales Q2Q%-51.71%
Revenue Next Year-20.42%
Revenue Next 2Y-12.58%
Revenue Next 3Y-10.34%
Revenue Next 5YN/A
EBIT growth 1Y-31.37%
EBIT growth 3Y8.96%
EBIT growth 5Y3.6%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y18.12%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y18.12%
OCF growth 3YN/A
OCF growth 5YN/A
WHITEHORSE FINANCE INC / WHF FAQ
Can you provide the ChartMill fundamental rating for WHITEHORSE FINANCE INC?
ChartMill assigns a fundamental rating of 3 / 10 to WHF.
What is the valuation status for WHF stock?
ChartMill assigns a valuation rating of 6 / 10 to WHITEHORSE FINANCE INC (WHF). This can be considered as Fairly Valued.
What is the profitability of WHF stock?
WHITEHORSE FINANCE INC (WHF) has a profitability rating of 3 / 10.
How financially healthy is WHITEHORSE FINANCE INC?
The financial health rating of WHITEHORSE FINANCE INC (WHF) is 2 / 10.
How sustainable is the dividend of WHITEHORSE FINANCE INC (WHF) stock?
The dividend rating of WHITEHORSE FINANCE INC (WHF) is 5 / 10 and the dividend payout ratio is 420.82%.