FDI Fundamental Analysis - FINDEV INC

Fundamental Rating

FDI gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 29 industry peers in the Financial Services industry. While FDI has a great health rating, its profitability is only average at the moment. FDI is valued expensive and it does not seem to be growing.

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1. Profitability

1.1 Basic Checks

FDI had positive earnings in the past year.

In the past year FDI had a positive cash flow from operations.

Each year in the past 5 years FDI has been profitable.

In the past 5 years FDI always reported a positive cash flow from operatings.

1.2 Ratios

FDI has a Return On Assets (0.93%) which is in line with its industry peers.

FDI's Return On Equity of 0.95% is on the low side compared to the rest of the industry. FDI is outperformed by 68.97% of its industry peers.

FDI's Return On Invested Capital of 0.45% is on the low side compared to the rest of the industry. FDI is outperformed by 79.31% of its industry peers.

FDI had an Average Return On Invested Capital over the past 3 years of 8.22%. This is above the industry average of 5.38%.

The 3 year average ROIC (8.22%) for FDI is well above the current ROIC(0.45%). The reason for the recent decline needs to be investigated.

		Industry Rank	Sector Rank
ROA	0.93%
ROE	0.95%
ROIC	0.45%

ROA(3y)7.93%

ROA(5y)11.46%

ROE(3y)8.07%

ROE(5y)11.63%

ROIC(3y)8.22%

ROIC(5y)7.98%

1.3 Margins

With an excellent Profit Margin value of 57.47%, FDI belongs to the best of the industry, outperforming 93.10% of the companies in the same industry.

FDI's Profit Margin has declined in the last couple of years.

FDI has a Operating Margin (37.32%) which is in line with its industry peers.

FDI's Operating Margin has improved in the last couple of years.

		Industry Rank	Sector Rank
OM	37.32%
PM (TTM)	57.47%
GM	N/A

OM growth 3Y1.11%

OM growth 5Y2.31%

PM growth 3Y-29.24%

PM growth 5Y-2.99%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

The number of shares outstanding for FDI remains at a similar level compared to 1 year ago.

Compared to 5 years ago, FDI has about the same amount of shares outstanding.

There is no outstanding debt for FDI. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.

2.2 Solvency

An Altman-Z score of 16.93 indicates that FDI is not in any danger for bankruptcy at the moment.

The Altman-Z score of FDI (16.93) is better than 96.55% of its industry peers.

There is no outstanding debt for FDI. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.

		Industry Rank	Sector Rank
Debt/Equity	0
Debt/FCF	0
Altman-Z	16.93

ROIC/WACCN/A

WACCN/A

2.3 Liquidity

A Current Ratio of 0.74 indicates that FDI may have some problems paying its short term obligations.

FDI has a Current ratio of 0.74. This is in the better half of the industry: FDI outperforms 68.97% of its industry peers.

FDI has a Quick Ratio of 0.74. This is a bad value and indicates that FDI is not financially healthy enough and could expect problems in meeting its short term obligations.

Looking at the Quick ratio, with a value of 0.74, FDI is in the better half of the industry, outperforming 68.97% of the companies in the same industry.

		Industry Rank	Sector Rank
Current Ratio	0.74
Quick Ratio	0.74

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The earnings per share for FDI have decreased strongly by -88.72% in the last year.

The Earnings Per Share has been growing by 9.22% on average over the past years. This is quite good.

Looking at the last year, FDI shows a very negative growth in Revenue. The Revenue has decreased by -88.61% in the last year.

FDI shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 12.57% yearly.

EPS 1Y (TTM)-88.72%

EPS 3Y-21.67%

EPS 5Y9.22%

EPS Q2Q%-313.64%

Revenue 1Y (TTM)-88.61%

Revenue growth 3Y10.71%

Revenue growth 5Y12.57%

Sales Q2Q%-274.56%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.

No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.

EPS Next YN/A

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next YearN/A

Revenue Next 2YN/A

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.

No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 40.00 indicates a quite expensive valuation of FDI.

Compared to the rest of the industry, the Price/Earnings ratio of FDI indicates a somewhat cheap valuation: FDI is cheaper than 62.07% of the companies listed in the same industry.

FDI's Price/Earnings ratio indicates a valuation a bit more expensive than the S&P500 average which is at 27.35.

		Industry Rank	Sector Rank
PE	40
Fwd PE	N/A

4.2 Price Multiples

86.21% of the companies in the same industry are more expensive than FDI, based on the Price/Free Cash Flow ratio.

		Industry Rank	Sector Rank
P/FCF	13.79
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)4.34

EPS Next 2YN/A

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 7.32%, FDI is a good candidate for dividend investing.

Compared to an average industry Dividend Yield of 7.85, FDI is paying slightly less dividend.

Compared to an average S&P500 Dividend Yield of 2.44, FDI pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	7.32%

5.2 History

FDI has paid a dividend for at least 10 years, which is a reliable track record.

FDI has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.

Dividend Growth(5Y)0%

Div Incr Years0

Div Non Decr Years8

5.3 Sustainability

FDI pays out 363.84% of its income as dividend. This is not a sustainable payout ratio.

DP363.84%

EPS Next 2YN/A

EPS Next 3YN/A

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FINDEV INC

TSX-V:FDI (10/10/2025, 7:00:00 PM)

0.4

-0.01 (-2.44%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupFinancial Services

GICS IndustryFinancial Services

Earnings (Last)08-26 2025-08-26

Earnings (Next)11-25 2025-11-25

Inst Owners0.06%

Inst Owner ChangeN/A

Ins Owners2.72%

Ins Owner ChangeN/A

Market Cap11.46M

Analysts0

Price TargetN/A

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	7.32%

Yearly Dividend0.03

Dividend Growth(5Y)0%

DP363.84%

Div Incr Years0

Div Non Decr Years8

Ex-Date09-25 2025-09-25 (0.0075)

Surprises & Revisions

EPS beat(2)N/A

Avg EPS beat(2)N/A

Min EPS beat(2)N/A

Max EPS beat(2)N/A

EPS beat(4)N/A

Avg EPS beat(4)N/A

Min EPS beat(4)N/A

Max EPS beat(4)N/A

EPS beat(8)N/A

Avg EPS beat(8)N/A

EPS beat(12)N/A

Avg EPS beat(12)N/A

EPS beat(16)N/A

Avg EPS beat(16)N/A

Revenue beat(2)N/A

Avg Revenue beat(2)N/A

Min Revenue beat(2)N/A

Max Revenue beat(2)N/A

Revenue beat(4)N/A

Avg Revenue beat(4)N/A

Min Revenue beat(4)N/A

Max Revenue beat(4)N/A

Revenue beat(8)N/A

Avg Revenue beat(8)N/A

Revenue beat(12)N/A

Avg Revenue beat(12)N/A

Revenue beat(16)N/A

Avg Revenue beat(16)N/A

PT rev (1m)N/A

PT rev (3m)N/A

EPS NQ rev (1m)N/A

EPS NQ rev (3m)N/A

EPS NY rev (1m)N/A

EPS NY rev (3m)N/A

Revenue NQ rev (1m)N/A

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)N/A

Revenue NY rev (3m)N/A

Valuation

		Industry Rank	Sector Rank
PE	40
Fwd PE	N/A
P/S	27.88
P/FCF	13.79
P/OCF	13.79
P/B	0.46
P/tB	0.46
EV/EBITDA	N/A

EPS(TTM)0.01

EY2.5%

EPS(NY)N/A

Fwd EYN/A

FCF(TTM)0.03

FCFY7.25%

OCF(TTM)0.03

OCFY7.25%

SpS0.01

BVpS0.87

TBVpS0.87

PEG (NY)N/A

PEG (5Y)4.34

Profitability

		Industry Rank	Sector Rank
ROA	0.93%
ROE	0.95%
ROCE	0.62%
ROIC	0.45%
ROICexc	0.45%
ROICexgc	0.45%
OM	37.32%
PM (TTM)	57.47%
GM	N/A
FCFM	202.24%

ROA(3y)7.93%

ROA(5y)11.46%

ROE(3y)8.07%

ROE(5y)11.63%

ROIC(3y)8.22%

ROIC(5y)7.98%

ROICexc(3y)8.32%

ROICexc(5y)8.08%

ROICexgc(3y)8.32%

ROICexgc(5y)8.08%

ROCE(3y)11.36%

ROCE(5y)11.03%

ROICexcg growth 3Y6.72%

ROICexcg growth 5Y5.53%

ROICexc growth 3Y6.72%

ROICexc growth 5Y5.53%

OM growth 3Y1.11%

OM growth 5Y2.31%

PM growth 3Y-29.24%

PM growth 5Y-2.99%

GM growth 3YN/A

GM growth 5YN/A

F-Score4

Asset Turnover0.02

Health

		Industry Rank	Sector Rank
Debt/Equity	0
Debt/FCF	0
Debt/EBITDA	N/A
Cap/Depr	N/A
Cap/Sales	N/A
Interest Coverage	0.08
Cash Conversion	N/A
Profit Quality	351.91%
Current Ratio	0.74
Quick Ratio	0.74
Altman-Z	16.93

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)44.7%

Profit Quality(5y)37.11%

High Growth Momentum

Growth

EPS 1Y (TTM)-88.72%

EPS 3Y-21.67%

EPS 5Y9.22%

EPS Q2Q%-313.64%

EPS Next YN/A

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)-88.61%

Revenue growth 3Y10.71%

Revenue growth 5Y12.57%

Sales Q2Q%-274.56%

Revenue Next YearN/A

Revenue Next 2YN/A

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1Y-95.22%

EBIT growth 3Y11.94%

EBIT growth 5Y15.18%

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y-10.24%

FCF growth 3Y1.03%

FCF growth 5Y-2.92%

OCF growth 1Y-10.24%

OCF growth 3Y1.03%

OCF growth 5Y-2.92%

FINDEV INC (FDI.CA) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

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2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

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5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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