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

NASDAQ:WHFCL • US96524V4032

Current stock price

25.055 USD
-0.09 (-0.38%)
Last:

This WHFCL fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. WHFCL Profitability Analysis

1.1 Basic Checks

  • In the past year WHFCL was profitable.
  • WHFCL had a positive operating cash flow in the past year.
  • Each year in the past 5 years WHFCL has been profitable.
  • In multiple years WHFCL reported negative operating cash flow during the last 5 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 2025 0 50M -50M

1.2 Ratios

  • WHFCL has a Return On Assets of 1.57%. This is comparable to the rest of the industry: WHFCL outperforms 41.32% of its industry peers.
  • WHFCL has a Return On Equity of 3.72%. This is in the lower half of the industry: WHFCL underperforms 61.98% of its industry peers.
  • WHFCL's Return On Invested Capital of 3.69% is in line compared to the rest of the industry. WHFCL outperforms 52.48% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for WHFCL is below the industry average of 7.06%.
Industry RankSector Rank
ROA 1.57%
ROE 3.72%
ROIC 3.69%
ROA(3y)2.24%
ROA(5y)2.45%
ROE(3y)5.25%
ROE(5y)5.81%
ROIC(3y)4.31%
ROIC(5y)3.9%
WHFCL Yearly ROA, ROE, ROICWHFCL Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

1.3 Margins

  • WHFCL has a Profit Margin (12.91%) which is in line with its industry peers.
  • WHFCL's Profit Margin has declined in the last couple of years.
  • The Operating Margin of WHFCL (36.00%) is better than 65.29% of its industry peers.
  • In the last couple of years the Operating Margin of WHFCL has declined.
  • WHFCL has a Gross Margin of 43.86%. This is comparable to the rest of the industry: WHFCL outperforms 47.11% of its industry peers.
  • In the last couple of years the Gross Margin of WHFCL has remained more or less at the same level.
Industry RankSector Rank
OM 36%
PM (TTM) 12.91%
GM 43.86%
OM growth 3Y-5.5%
OM growth 5Y-1.71%
PM growth 3Y3.27%
PM growth 5Y-17.42%
GM growth 3Y-3.38%
GM growth 5Y-0.86%
WHFCL Yearly Profit, Operating, Gross MarginsWHFCL Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20 40 60 80

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ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. WHFCL Health Analysis

2.1 Basic Checks

  • The number of shares outstanding for WHFCL has been reduced compared to 1 year ago.
  • WHFCL has more shares outstanding than it did 5 years ago.
  • WHFCL has a worse debt/assets ratio than last year.
WHFCL Yearly Shares OutstandingWHFCL Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2025 200M 400M 600M 800M

2.2 Solvency

  • Based on the Altman-Z score of 1.05, we must say that WHFCL is in the distress zone and has some risk of bankruptcy.
  • With a Altman-Z score value of 1.05, WHFCL perfoms like the industry average, outperforming 58.26% of the companies in the same industry.
  • WHFCL has a debt to FCF ratio of 3.32. This is a good value and a sign of high solvency as WHFCL would need 3.32 years to pay back of all of its debts.
  • With a decent Debt to FCF ratio value of 3.32, WHFCL is doing good in the industry, outperforming 77.27% of the companies in the same industry.
  • WHFCL has a Debt/Equity ratio of 1.22. This is a high value indicating a heavy dependency on external financing.
  • Looking at the Debt to Equity ratio, with a value of 1.22, WHFCL is in line with its industry, outperforming 40.50% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 1.22
Debt/FCF 3.32
Altman-Z 1.05
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 2025 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.
  • Looking at the Current ratio, with a value of 0.57, WHFCL is doing worse than 69.42% of the companies in the same industry.
  • WHFCL has a Quick 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.
  • With a Quick ratio value of 0.57, WHFCL is not doing good in the industry: 69.01% of the companies in the same industry are doing better.
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 2025 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. WHFCL Growth Analysis

3.1 Past

  • The earnings per share for WHFCL have decreased strongly by -30.41% in the last year.
  • Measured over the past years, WHFCL shows a decrease in Earnings Per Share. The EPS has been decreasing by -2.65% on average per year.
  • The Revenue for WHFCL has decreased by -21.70% in the past year. This is quite bad
  • WHFCL shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.33% yearly.
EPS 1Y (TTM)-30.41%
EPS 3Y-9.82%
EPS 5Y-2.65%
EPS Q2Q%-18.37%
Revenue 1Y (TTM)-21.7%
Revenue growth 3Y-6.01%
Revenue growth 5Y3.33%
Sales Q2Q%-17.45%

3.2 Future

  • Based on estimates for the next years, WHFCL will show a decrease in Earnings Per Share. The EPS will decrease by -1.50% on average per year.
  • Based on estimates for the next years, WHFCL will show a decrease in Revenue. The Revenue will decrease by -5.03% on average per year.
EPS Next Y-4.73%
EPS Next 2Y-1.5%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-3.35%
Revenue Next 2Y-5.03%
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 decreasing.
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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2

4. WHFCL Valuation Analysis

4.1 Price/Earnings Ratio

  • WHFCL is valuated rather expensively with a Price/Earnings ratio of 22.37.
  • WHFCL's Price/Earnings ratio is a bit more expensive when compared to the industry. WHFCL is more expensive than 68.59% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of WHFCL to the average of the S&P500 Index (25.70), we can say WHFCL is valued inline with the index average.
  • With a Price/Forward Earnings ratio of 23.50, WHFCL is valued on the expensive side.
  • WHFCL's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. WHFCL is more expensive than 64.05% of the companies in the same industry.
  • WHFCL is valuated at similar levels of the S&P average when we compare the Price/Forward Earnings ratio to 23.84, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 22.37
Fwd PE 23.5
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

  • Based on the Price/Free Cash Flow ratio, WHFCL is valued cheaper than 83.47% of the companies in the same industry.
Industry RankSector Rank
P/FCF 5.98
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

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-1.5%
EPS Next 3YN/A

More info and screens

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

5

5. WHFCL Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 14.62%, WHFCL is a good candidate for dividend investing.
  • WHFCL's Dividend Yield is rather good when compared to the industry average which is at 6.83. WHFCL pays more dividend than 86.36% of the companies in the same industry.
  • WHFCL's Dividend Yield is rather good when compared to the S&P500 average which is at 1.89.
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 paid a dividend for less than 5 years, so there is no long track record yet.
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 2026 0.5 1 1.5

5.3 Sustainability

  • WHFCL pays out 420.82% of its income as dividend. 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-1.5%
EPS Next 3YN/A
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 2025 0 50M -50M
WHFCL Dividend Payout.WHFCL Dividend Payout, showing the Payout Ratio.WHFCL Dividend Payout.PayoutRetained Earnings

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WHFCL Fundamentals: All Metrics, Ratios and Statistics

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

NASDAQ:WHFCL (3/13/2026, 8:03:23 PM)

25.055

-0.09 (-0.38%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)03-02
Earnings (Next)05-11
Inst Owners16.99%
Inst Owner ChangeN/A
Ins Owners4.55%
Ins Owner ChangeN/A
Market Cap582.28M
Revenue(TTM)72.67M
Net Income(TTM)9.86M
Analysts48.33
Price Target32.06 (27.96%)
Short Float %0%
Short Ratio0.23
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-Date02-27
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)9.44%
PT rev (3m)24.03%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-3.48%
Revenue NY rev (1m)-8.75%
Revenue NY rev (3m)-10.37%
Valuation
Industry RankSector Rank
PE 22.37
Fwd PE 23.5
P/S 7.63
P/FCF 5.98
P/OCF 5.98
P/B 2.2
P/tB 2.2
EV/EBITDA N/A
EPS(TTM)1.12
EY4.47%
EPS(NY)1.07
Fwd EY4.25%
FCF(TTM)4.19
FCFY16.73%
OCF(TTM)4.19
OCFY16.73%
SpS3.28
BVpS11.41
TBVpS11.41
PEG (NY)N/A
PEG (5Y)N/A
Graham Number16.96
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)2.24%
ROA(5y)2.45%
ROE(3y)5.25%
ROE(5y)5.81%
ROIC(3y)4.31%
ROIC(5y)3.9%
ROICexc(3y)4.38%
ROICexc(5y)3.96%
ROICexgc(3y)4.38%
ROICexgc(5y)3.96%
ROCE(3y)5.45%
ROCE(5y)4.93%
ROICexgc growth 3Y-2.48%
ROICexgc growth 5Y5.25%
ROICexc growth 3Y-2.48%
ROICexc growth 5Y5.25%
OM growth 3Y-5.5%
OM growth 5Y-1.71%
PM growth 3Y3.27%
PM growth 5Y-17.42%
GM growth 3Y-3.38%
GM growth 5Y-0.86%
F-Score6
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 1.05
F-Score6
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)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-30.41%
EPS 3Y-9.82%
EPS 5Y-2.65%
EPS Q2Q%-18.37%
EPS Next Y-4.73%
EPS Next 2Y-1.5%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-21.7%
Revenue growth 3Y-6.01%
Revenue growth 5Y3.33%
Sales Q2Q%-17.45%
Revenue Next Year-3.35%
Revenue Next 2Y-5.03%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-31.37%
EBIT growth 3Y-11.18%
EBIT growth 5Y1.56%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y32.53%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y32.53%
OCF growth 3YN/A
OCF growth 5YN/A

WHITEHORSE FINANCE - WHF 7 7/8 09/15/28 / WHFCL Fundamental Analysis 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 22.37 and the Price/Book (PB) ratio is 2.2.


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.