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FINDEV INC (FDI.CA) Stock Fundamental Analysis

TSX-V:FDI - TSX Venture Exchange - CA31773A1075 - Common Stock - Currency: CAD

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Fundamental Rating

6

Overall FDI gets a fundamental rating of 6 out of 10. We evaluated FDI against 32 industry peers in the Financial Services industry. FDI has outstanding health and profitabily ratings, belonging to the best of the industry. This is a solid base for any company. FDI has a valuation in line with the averages, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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7

1. Profitability

1.1 Basic Checks

In the past year FDI was profitable.
In the past year FDI had a positive cash flow from operations.
FDI had positive earnings in each of the past 5 years.
Each year in the past 5 years FDI had a positive operating cash flow.
FDI.CA Yearly Net Income VS EBIT VS OCF VS FCFFDI.CA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 2M -2M 4M -4M

1.2 Ratios

With an excellent Return On Assets value of 8.72%, FDI belongs to the best of the industry, outperforming 96.88% of the companies in the same industry.
FDI has a Return On Equity of 8.83%. This is in the better half of the industry: FDI outperforms 62.50% of its industry peers.
FDI has a better Return On Invested Capital (8.83%) than 87.50% of its industry peers.
FDI had an Average Return On Invested Capital over the past 3 years of 7.13%. This is in line with the industry average of 5.84%.
The 3 year average ROIC (7.13%) for FDI is below the current ROIC(8.83%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 8.72%
ROE 8.83%
ROIC 8.83%
ROA(3y)12.48%
ROA(5y)11.44%
ROE(3y)12.63%
ROE(5y)11.59%
ROIC(3y)7.13%
ROIC(5y)6.99%
FDI.CA Yearly ROA, ROE, ROICFDI.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 200 -200 -400

1.3 Margins

With an excellent Profit Margin value of 61.72%, FDI belongs to the best of the industry, outperforming 93.75% of the companies in the same industry.
In the last couple of years the Profit Margin of FDI has declined.
FDI has a Operating Margin of 91.89%. This is amongst the best in the industry. FDI outperforms 100.00% of its industry peers.
In the last couple of years the Operating Margin of FDI has remained more or less at the same level.
Industry RankSector Rank
OM 91.89%
PM (TTM) 61.72%
GM N/A
OM growth 3Y-0.72%
OM growth 5Y0.34%
PM growth 3Y-12.39%
PM growth 5Y-7.34%
GM growth 3YN/A
GM growth 5YN/A
FDI.CA Yearly Profit, Operating, Gross MarginsFDI.CA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 100 -100 200

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7

2. Health

2.1 Basic Checks

FDI has about the same amout of shares outstanding than it did 1 year ago.
The number of shares outstanding for FDI remains at a similar level compared to 5 years ago.
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.
FDI.CA Yearly Shares OutstandingFDI.CA Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 5M 10M 15M 20M 25M
FDI.CA Yearly Total Debt VS Total AssetsFDI.CA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 5M 10M 15M 20M 25M

2.2 Solvency

An Altman-Z score of 26.05 indicates that FDI is not in any danger for bankruptcy at the moment.
Looking at the Altman-Z score, with a value of 26.05, FDI belongs to the top of the industry, outperforming 96.88% of the companies in the same industry.
FDI has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z 26.05
ROIC/WACCN/A
WACCN/A
FDI.CA Yearly LT Debt VS Equity VS FCFFDI.CA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 5M 10M 15M 20M

2.3 Liquidity

FDI has a Current Ratio of 0.86. 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's Current ratio of 0.86 is fine compared to the rest of the industry. FDI outperforms 65.63% of its industry peers.
A Quick Ratio of 0.86 indicates that FDI may have some problems paying its short term obligations.
FDI has a Quick ratio of 0.86. This is in the better half of the industry: FDI outperforms 65.63% of its industry peers.
Industry RankSector Rank
Current Ratio 0.86
Quick Ratio 0.86
FDI.CA Yearly Current Assets VS Current LiabilitesFDI.CA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 500K 1M 1.5M 2M 2.5M

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3

3. Growth

3.1 Past

FDI shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 13.98%, which is quite good.
The Earnings Per Share has been growing slightly by 5.83% on average over the past years.
The Revenue has decreased by -9.68% in the past year.
FDI shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 14.20% yearly.
EPS 1Y (TTM)13.98%
EPS 3Y1.12%
EPS 5Y5.83%
EPS Q2Q%48.65%
Revenue 1Y (TTM)-9.68%
Revenue growth 3Y15.41%
Revenue growth 5Y14.2%
Sales Q2Q%11.85%

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.
FDI.CA Yearly Revenue VS EstimatesFDI.CA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2M 4M 6M
FDI.CA Yearly EPS VS EstimatesFDI.CA Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 -0.2 -0.4 -0.6 -0.8

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4

4. Valuation

4.1 Price/Earnings Ratio

FDI is valuated cheaply with a Price/Earnings ratio of 6.25.
Compared to the rest of the industry, the Price/Earnings ratio of FDI indicates a rather cheap valuation: FDI is cheaper than 93.75% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 29.35. FDI is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 6.25
Fwd PE N/A
FDI.CA Price Earnings VS Forward Price EarningsFDI.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, FDI is valued a bit cheaper than the industry average as 71.88% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 25.14
EV/EBITDA N/A
FDI.CA Per share dataFDI.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0.2 0.4 0.6 0.8

4.3 Compensation for Growth

The decent profitability rating of FDI may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)1.07
EPS Next 2YN/A
EPS Next 3YN/A

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6

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 6.00%, FDI is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 8.05, FDI is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.33, FDI pays a better dividend.
Industry RankSector Rank
Dividend Yield 6%

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 Years7
FDI.CA Yearly Dividends per shareFDI.CA Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 0 0 0 0

5.3 Sustainability

FDI pays out 37.53% of its income as dividend. This is a sustainable payout ratio.
DP37.53%
EPS Next 2YN/A
EPS Next 3YN/A
FDI.CA Yearly Income VS Free CF VS DividendFDI.CA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 2M -2M 4M
FDI.CA Dividend Payout.FDI.CA Dividend Payout, showing the Payout Ratio.FDI.CA Dividend Payout.PayoutRetained Earnings

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FINDEV INC

TSX-V:FDI (3/7/2025, 7:00:00 PM)

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0 (0%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-22 2024-11-22
Earnings (Next)04-17 2025-04-17
Inst Owners0.06%
Inst Owner ChangeN/A
Ins Owners2.79%
Ins Owner ChangeN/A
Market Cap14.32M
Analysts0
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 6%
Yearly Dividend0.03
Dividend Growth(5Y)0%
DP37.53%
Div Incr Years0
Div Non Decr Years7
Ex-Date03-28 2025-03-28 (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 RankSector Rank
PE 6.25
Fwd PE N/A
P/S 3.86
P/FCF 25.14
P/OCF 25.14
P/B 0.55
P/tB 0.55
EV/EBITDA N/A
EPS(TTM)0.08
EY16%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0.02
FCFY3.98%
OCF(TTM)0.02
OCFY3.98%
SpS0.13
BVpS0.91
TBVpS0.91
PEG (NY)N/A
PEG (5Y)1.07
Profitability
Industry RankSector Rank
ROA 8.72%
ROE 8.83%
ROCE 13.15%
ROIC 8.83%
ROICexc 8.84%
ROICexgc 8.84%
OM 91.89%
PM (TTM) 61.72%
GM N/A
FCFM 15.36%
ROA(3y)12.48%
ROA(5y)11.44%
ROE(3y)12.63%
ROE(5y)11.59%
ROIC(3y)7.13%
ROIC(5y)6.99%
ROICexc(3y)7.22%
ROICexc(5y)7.1%
ROICexgc(3y)7.22%
ROICexgc(5y)7.1%
ROCE(3y)10.62%
ROCE(5y)10.41%
ROICexcg growth 3Y3.72%
ROICexcg growth 5Y5.58%
ROICexc growth 3Y3.72%
ROICexc growth 5Y5.58%
OM growth 3Y-0.72%
OM growth 5Y0.34%
PM growth 3Y-12.39%
PM growth 5Y-7.34%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.14
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 1.23
Cash Conversion N/A
Profit Quality 24.88%
Current Ratio 0.86
Quick Ratio 0.86
Altman-Z 26.05
F-Score5
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)38.68%
Profit Quality(5y)42.54%
High Growth Momentum
Growth
EPS 1Y (TTM)13.98%
EPS 3Y1.12%
EPS 5Y5.83%
EPS Q2Q%48.65%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-9.68%
Revenue growth 3Y15.41%
Revenue growth 5Y14.2%
Sales Q2Q%11.85%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y11.99%
EBIT growth 3Y14.58%
EBIT growth 5Y14.58%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-32.65%
FCF growth 3Y7.48%
FCF growth 5Y9.53%
OCF growth 1Y-32.65%
OCF growth 3Y7.48%
OCF growth 5Y9.53%