FINDEV INC (FDI.CA) Stock Fundamental Analysis
TSX-V:FDI - TSX Venture Exchange - CA31773A1075 - Common Stock - Currency: CAD
We assign a fundamental rating of 5 out of 10 to FDI. FDI was compared to 28 industry peers in the Financial Services industry. FDI scores excellent on profitability, but there are some minor concerns on its financial health. FDI is valued correctly, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
FDI had positive earnings in the past year.
FDI had a positive operating cash flow in the past year.
In the past 5 years FDI has always been profitable.
In the past 5 years FDI always reported a positive cash flow from operatings.
1.2 Ratios
FDI has a better Return On Assets (8.16%) than 100.00% of its industry peers.
FDI has a Return On Equity of 8.36%. This is in the better half of the industry: FDI outperforms 64.29% of its industry peers.
Looking at the Return On Invested Capital, with a value of 7.42%, FDI belongs to the top of the industry, outperforming 89.29% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for FDI is above the industry average of 5.72%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 8.16% | ||
| ROE | 8.36% | ||
| ROIC | 7.42% |
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 74.55%, FDI belongs to the best of the industry, outperforming 96.43% of the companies in the same industry.
FDI's Profit Margin has declined in the last couple of years.
FDI has a better Operating Margin (91.40%) than 100.00% of its industry peers.
FDI's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 91.4% | ||
| PM (TTM) | 74.55% | ||
| 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
2. Health
2.1 Basic Checks
Compared to 1 year ago, FDI has about the same amount of shares outstanding.
The number of shares outstanding for FDI remains at a similar level compared to 5 years ago.
FDI has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
2.2 Solvency
FDI has an Altman-Z score of 10.24. This indicates that FDI is financially healthy and has little risk of bankruptcy at the moment.
The Altman-Z score of FDI (10.24) is better than 78.57% 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 | 10.24 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
A Current Ratio of 0.42 indicates that FDI may have some problems paying its short term obligations.
With a decent Current ratio value of 0.42, FDI is doing good in the industry, outperforming 60.71% of the companies in the same industry.
FDI has a Quick Ratio of 0.42. This is a bad value and indicates that FDI is not financially healthy enough and could expect problems in meeting its short term obligations.
FDI has a better Quick ratio (0.42) than 60.71% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.42 | ||
| Quick Ratio | 0.42 |
3. Growth
3.1 Past
FDI shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -12.47%.
Measured over the past years, FDI shows a quite strong growth in Earnings Per Share. The EPS has been growing by 9.22% on average per year.
FDI shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -31.30%.
Measured over the past years, FDI shows a quite strong growth in Revenue. The Revenue has been growing by 12.57% on average per year.
EPS 1Y (TTM)-12.47%
EPS 3Y-21.67%
EPS 5Y9.22%
EPS Q2Q%-72.43%
Revenue 1Y (TTM)-31.3%
Revenue growth 3Y10.71%
Revenue growth 5Y12.57%
Sales Q2Q%-71.72%
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.
4. Valuation
4.1 Price/Earnings Ratio
FDI is valuated cheaply with a Price/Earnings ratio of 5.25.
FDI's Price/Earnings ratio is rather cheap when compared to the industry. FDI is cheaper than 100.00% of the companies in the same industry.
FDI is valuated cheaply when we compare the Price/Earnings ratio to 27.30, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.25 | ||
| Fwd PE | N/A |
4.2 Price Multiples
89.29% 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 | 13.95 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
FDI has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.57
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
FDI has a Yearly Dividend Yield of 7.32%, which is a nice return.
The stock price of FDI dropped by -23.64% in the last 3 months. With lower prices the dividend yield is higher, but it may be a sign investors do not trust the long term dividend.
FDI's Dividend Yield is slightly below the industry average, which is at 7.26.
Compared to an average S&P500 Dividend Yield of 2.35, FDI pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.32% |
5.2 History
FDI has been paying a dividend for at least 10 years, so it has a reliable track record.
As FDI did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
Dividend Growth(5Y)0%
Div Incr Years0
Div Non Decr Years8
5.3 Sustainability
FDI pays out 38.85% of its income as dividend. This is a sustainable payout ratio.
DP38.85%
EPS Next 2YN/A
EPS Next 3YN/A
TSX-V:FDI (7/11/2025, 7:00:00 PM)
0.42
+0.01 (+2.44%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners0.06%
Inst Owner ChangeN/A
Ins Owners2.72%
Ins Owner ChangeN/A
Market Cap12.03M
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%
DP38.85%
Div Incr Years0
Div Non Decr Years8
Ex-Date
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 | 5.25 | ||
| Fwd PE | N/A | ||
| P/S | 4.06 | ||
| P/FCF | 13.95 | ||
| P/OCF | 13.95 | ||
| P/B | 0.45 | ||
| P/tB | 0.45 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.08
EY19.05%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0.03
FCFY7.17%
OCF(TTM)0.03
OCFY7.17%
SpS0.1
BVpS0.92
TBVpS0.92
PEG (NY)N/A
PEG (5Y)0.57
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 8.16% | ||
| ROE | 8.36% | ||
| ROCE | 10.25% | ||
| ROIC | 7.42% | ||
| ROICexc | 7.5% | ||
| ROICexgc | 7.5% | ||
| OM | 91.4% | ||
| PM (TTM) | 74.55% | ||
| GM | N/A | ||
| FCFM | 29.07% |
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 Turnover0.11
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 | 1.12 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 38.99% | ||
| Current Ratio | 0.42 | ||
| Quick Ratio | 0.42 | ||
| Altman-Z | 10.24 |
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)-12.47%
EPS 3Y-21.67%
EPS 5Y9.22%
EPS Q2Q%-72.43%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-31.3%
Revenue growth 3Y10.71%
Revenue growth 5Y12.57%
Sales Q2Q%-71.72%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-28.69%
EBIT growth 3Y11.94%
EBIT growth 5Y15.18%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-4.87%
FCF growth 3Y1.03%
FCF growth 5Y-2.92%
OCF growth 1Y-4.87%
OCF growth 3Y1.03%
OCF growth 5Y-2.92%