WHITEHORSE FINANCE - WHF 7 7/8 09/15/28 (WHFCL) Stock Fundamental Analysis

NASDAQ:WHFCL • US96524V4032

25.39 USD
-0.04 (-0.16%)
Last: Feb 12, 2026, 08:21 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

2

Taking everything into account, WHFCL scores 2 out of 10 in our fundamental rating. WHFCL was compared to 238 industry peers in the Capital Markets industry. WHFCL may be in some trouble as it scores bad on both profitability and health. WHFCL does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

  • WHFCL had positive earnings in the past year.
  • WHFCL had a positive operating cash flow in the past year.
  • Each year in the past 5 years WHFCL has been profitable.
  • The reported operating cash flow has been mixed in the past 5 years: WHFCL reported negative operating cash flow in multiple years.
WHFCL Yearly Net Income VS EBIT VS OCF VS FCFWHFCL 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 50M -50M

1.2 Ratios

  • Looking at the Return On Assets, with a value of 1.57%, WHFCL is doing worse than 62.18% of the companies in the same industry.
  • The Return On Equity of WHFCL (3.72%) is worse than 65.13% of its industry peers.
  • WHFCL has a Return On Invested Capital (3.69%) which is comparable to the rest of the industry.
  • WHFCL had an Average Return On Invested Capital over the past 3 years of 4.40%. This is below the industry average of 7.22%.
Industry RankSector 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%
WHFCL Yearly ROA, ROE, ROICWHFCL Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

  • WHFCL has a Profit Margin of 12.91%. This is comparable to the rest of the industry: WHFCL outperforms 42.86% of its industry peers.
  • In the last couple of years the Profit Margin of WHFCL has declined.
  • WHFCL's Operating Margin of 36.00% is fine compared to the rest of the industry. WHFCL outperforms 65.97% of its industry peers.
  • WHFCL's Operating Margin has declined in the last couple of years.
  • With a Gross Margin value of 43.86%, WHFCL perfoms like the industry average, outperforming 46.22% of the companies in the same industry.
  • In the last couple of years the Gross Margin of WHFCL has declined.
Industry RankSector 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%
WHFCL Yearly Profit, Operating, Gross MarginsWHFCL Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 20 40 60 80

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ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. Health

2.1 Basic Checks

  • Compared to 1 year ago, WHFCL has about the same amount of shares outstanding.
  • WHFCL has more shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, WHFCL has an improved debt to assets ratio.
WHFCL Yearly Shares OutstandingWHFCL Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M
WHFCL Yearly Total Debt VS Total AssetsWHFCL Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M

2.2 Solvency

  • Based on the Altman-Z score of 1.06, we must say that WHFCL is in the distress zone and has some risk of bankruptcy.
  • WHFCL has a Altman-Z score (1.06) which is in line with its industry peers.
  • The Debt to FCF ratio of WHFCL is 3.32, which is a good value as it means it would take WHFCL, 3.32 years of fcf income to pay off all of its debts.
  • WHFCL has a better Debt to FCF ratio (3.32) than 76.05% of its industry peers.
  • A Debt/Equity ratio of 1.22 is on the high side and indicates that WHFCL has dependencies on debt financing.
  • WHFCL's Debt to Equity ratio of 1.22 is on the low side compared to the rest of the industry. WHFCL is outperformed by 60.08% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.22
Debt/FCF 3.32
Altman-Z 1.06
ROIC/WACCN/A
WACCN/A
WHFCL Yearly LT Debt VS Equity VS FCFWHFCL Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100M 200M 300M 400M

2.3 Liquidity

  • WHFCL has a Current Ratio of 0.57. This is a bad value and indicates that WHFCL is not financially healthy enough and could expect problems in meeting its short term obligations.
  • WHFCL has a Current ratio of 0.57. This is in the lower half of the industry: WHFCL underperforms 70.17% of its industry peers.
  • A Quick Ratio of 0.57 indicates that WHFCL may have some problems paying its short term obligations.
  • WHFCL's Quick ratio of 0.57 is on the low side compared to the rest of the industry. WHFCL is outperformed by 69.75% of its industry peers.
Industry RankSector Rank
Current Ratio 0.57
Quick Ratio 0.57
WHFCL Yearly Current Assets VS Current LiabilitesWHFCL Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M

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

1

3. Growth

3.1 Past

  • WHFCL 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, WHFCL shows a small growth in Earnings Per Share. The EPS has been growing by 1.13% on average per year.
  • The Revenue for WHFCL has decreased by -21.66% in the past year. This is quite bad
  • Measured over the past years, WHFCL shows a small growth in Revenue. The Revenue has been growing by 6.71% on average per year.
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

  • WHFCL is expected to show a very negative growth in Earnings Per Share. In the coming years, the EPS will decrease by -12.27% yearly.
  • Based on estimates for the next years, WHFCL will show a decrease in Revenue. The Revenue will decrease by -9.52% on average per year.
EPS Next Y-30.12%
EPS Next 2Y-18.58%
EPS Next 3Y-12.27%
EPS Next 5YN/A
Revenue Next Year-22.55%
Revenue Next 2Y-14.75%
Revenue Next 3Y-9.52%
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.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
WHFCL Yearly Revenue VS EstimatesWHFCL Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 20M 40M 60M 80M 100M
WHFCL Yearly EPS VS EstimatesWHFCL Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0.5 1 1.5

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Find the best growth stocksShow best growing peers

2

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 21.52, the valuation of WHFCL can be described as rather expensive.
  • 64.29% of the companies in the same industry are cheaper than WHFCL, based on the Price/Earnings ratio.
  • The average S&P500 Price/Earnings ratio is at 27.67. WHFCL is valued slightly cheaper when compared to this.
  • WHFCL is valuated rather expensively with a Price/Forward Earnings ratio of 23.82.
  • Based on the Price/Forward Earnings ratio, WHFCL is valued a bit more expensive than the industry average as 63.03% of the companies are valued more cheaply.
  • WHFCL is valuated at similar levels of the S&P average when we compare the Price/Forward Earnings ratio to 27.69, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 21.52
Fwd PE 23.82
WHFCL Price Earnings VS Forward Price EarningsWHFCL Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40

4.2 Price Multiples

  • 85.29% of the companies in the same industry are more expensive than WHFCL, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 6.06
EV/EBITDA N/A
WHFCL Per share dataWHFCL EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8 10

4.3 Compensation for Growth

  • A cheap valuation may be justified as WHFCL's earnings are expected to decrease with -12.27% in the coming years.
PEG (NY)N/A
PEG (5Y)19.01
EPS Next 2Y-18.58%
EPS Next 3Y-12.27%

More info and screens

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

5

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 14.62%, WHFCL is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 6.12, WHFCL pays a better dividend. On top of this WHFCL pays more dividend than 89.50% of the companies listed in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.80, WHFCL pays a better dividend.
Industry RankSector Rank
Dividend Yield 14.62%

5.2 History

  • The dividend of WHFCL has a limited annual growth rate of 1.98%.
  • WHFCL has been paying a dividend for less than 5 years, so it still needs to build a track record.
Dividend Growth(5Y)1.98%
Div Incr Years1
Div Non Decr Years1
WHFCL Yearly Dividends per shareWHFCL Yearly Dividends per shareYearly Dividends per share 2023 2024 2025 0.5 1 1.5

5.3 Sustainability

  • 420.82% of the earnings are spent on dividend by WHFCL. This is not a sustainable payout ratio.
  • The Dividend Rate of WHFCL has been growing, while earnings will be declining. This means the dividend growth is most likely not sustainable.
DP420.82%
EPS Next 2Y-18.58%
EPS Next 3Y-12.27%
WHFCL Yearly Income VS Free CF VS DividendWHFCL Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M -50M
WHFCL Dividend Payout.WHFCL Dividend Payout, showing the Payout Ratio.WHFCL Dividend Payout.PayoutRetained Earnings

More info and screens

Find the best dividend stocksShow peers with best dividend

WHITEHORSE FINANCE - WHF 7 7/8 09/15/28

NASDAQ:WHFCL (2/12/2026, 8:21:17 PM)

25.39

-0.04 (-0.16%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)11-10
Earnings (Next)02-26
Inst Owners15.71%
Inst Owner ChangeN/A
Ins Owners4.55%
Ins Owner ChangeN/A
Market Cap590.06M
Revenue(TTM)76.34M
Net Income(TTM)9.86M
Analysts48.33
Price Target29.3 (15.4%)
Short Float %0.01%
Short Ratio0.55
Dividend
Industry RankSector Rank
Dividend Yield 14.62%
Yearly Dividend1.79
Dividend Growth(5Y)1.98%
DP420.82%
Div Incr Years1
Div Non Decr Years1
Ex-DateN/A
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)6.95%
PT rev (3m)-5.65%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-6.02%
EPS NY rev (1m)0%
EPS NY rev (3m)-3.47%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-6.02%
Revenue NY rev (1m)-1.36%
Revenue NY rev (3m)-2.68%
Valuation
Industry RankSector Rank
PE 21.52
Fwd PE 23.82
P/S 7.73
P/FCF 6.06
P/OCF 6.06
P/B 2.22
P/tB 2.22
EV/EBITDA N/A
EPS(TTM)1.18
EY4.65%
EPS(NY)1.07
Fwd EY4.2%
FCF(TTM)4.19
FCFY16.5%
OCF(TTM)4.19
OCFY16.5%
SpS3.28
BVpS11.41
TBVpS11.41
PEG (NY)N/A
PEG (5Y)19.01
Graham Number17.41
Profitability
Industry RankSector 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 RankSector 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 1.06
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-30.12%
EPS Next 2Y-18.58%
EPS Next 3Y-12.27%
EPS Next 5YN/A
Revenue 1Y (TTM)-21.66%
Revenue growth 3Y8.76%
Revenue growth 5Y6.71%
Sales Q2Q%-51.71%
Revenue Next Year-22.55%
Revenue Next 2Y-14.75%
Revenue Next 3Y-9.52%
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 - WHF 7 7/8 09/15/28 / WHFCL FAQ

What is the fundamental rating for WHFCL stock?

ChartMill assigns a fundamental rating of 2 / 10 to WHFCL.


What is the valuation status of WHITEHORSE FINANCE - WHF 7 7/8 09/15/28 (WHFCL) stock?

ChartMill assigns a valuation rating of 2 / 10 to WHITEHORSE FINANCE - WHF 7 7/8 09/15/28 (WHFCL). This can be considered as Overvalued.


How profitable is WHITEHORSE FINANCE - WHF 7 7/8 09/15/28 (WHFCL) stock?

WHITEHORSE FINANCE - WHF 7 7/8 09/15/28 (WHFCL) has a profitability rating of 3 / 10.


Can you provide the PE and PB ratios for WHFCL stock?

The Price/Earnings (PE) ratio for WHITEHORSE FINANCE - WHF 7 7/8 09/15/28 (WHFCL) is 21.52 and the Price/Book (PB) ratio is 2.22.


Can you provide the financial health for WHFCL stock?

The financial health rating of WHITEHORSE FINANCE - WHF 7 7/8 09/15/28 (WHFCL) is 2 / 10.