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HOME POINT CAPITAL INC (HMPT) Stock Fundamental Analysis

NASDAQ:HMPT - Nasdaq - US43734L1061 - Common Stock - Currency: USD

2.32  0 (0%)

Fundamental Rating

3

HMPT gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 101 industry peers in the Financial Services industry. HMPT scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. HMPT has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

In the past year HMPT has reported negative net income.
HMPT had a positive operating cash flow in the past year.
The reported net income has been mixed in the past 5 years: HMPT reported negative net income in multiple years.
In multiple years HMPT reported negative operating cash flow during the last 5 years.
HMPT Yearly Net Income VS EBIT VS OCF VS FCFHMPT Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2018 2019 2020 2021 2022 0 2B -2B

1.2 Ratios

The profitability ratios for HMPT are negative, so there is not much use analyzing them.
Industry RankSector Rank
ROA N/A
ROE N/A
ROIC N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
HMPT Yearly ROA, ROE, ROICHMPT Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2018 2019 2020 2021 2022 0 20 -20 40 60

1.3 Margins

With a decent Gross Margin value of 56.92%, HMPT is doing good in the industry, outperforming 78.72% of the companies in the same industry.
In the last couple of years the Gross Margin of HMPT has declined.
HMPT does not have Profit Margin and Operating Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM 56.92%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-6.61%
GM growth 5YN/A
HMPT Yearly Profit, Operating, Gross MarginsHMPT Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2018 2019 2020 2021 2022 0 20 -20 40 60 80

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5

2. Health

2.1 Basic Checks

HMPT does not have a ROIC to compare to the WACC, probably because it is not profitable.
HMPT has less shares outstanding than it did 1 year ago.
Compared to 1 year ago, HMPT has an improved debt to assets ratio.
HMPT Yearly Shares OutstandingHMPT Yearly Shares OutstandingYearly Shares Outstanding 2018 2019 2020 2021 2022 20M 40M 60M 80M 100M
HMPT Yearly Total Debt VS Total AssetsHMPT Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2018 2019 2020 2021 2022 2B 4B 6B

2.2 Solvency

HMPT has an Altman-Z score of 0.16. This is a bad value and indicates that HMPT is not financially healthy and even has some risk of bankruptcy.
HMPT has a worse Altman-Z score (0.16) than 62.77% of its industry peers.
The Debt to FCF ratio of HMPT is 0.73, which is an excellent value as it means it would take HMPT, only 0.73 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of HMPT (0.73) is better than 89.36% of its industry peers.
HMPT has a Debt/Equity ratio of 2.77. This is a high value indicating a heavy dependency on external financing.
HMPT's Debt to Equity ratio of 2.77 is on the low side compared to the rest of the industry. HMPT is outperformed by 84.04% of its industry peers.
Although HMPT does not score too well on debt/equity it has very limited outstanding debt, which is well covered by the FCF. We will not put too much weight on the debt/equity number as it may be because of low equity, which could be a consequence of a share buyback program for instance. This needs to be investigated.
Industry RankSector Rank
Debt/Equity 2.77
Debt/FCF 0.73
Altman-Z 0.16
ROIC/WACCN/A
WACC3.25%
HMPT Yearly LT Debt VS Equity VS FCFHMPT Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2018 2019 2020 2021 2022 0 2B -2B

2.3 Liquidity

A Current Ratio of 1.53 indicates that HMPT should not have too much problems paying its short term obligations.
HMPT has a Current ratio of 1.53. This is in the better half of the industry: HMPT outperforms 64.89% of its industry peers.
A Quick Ratio of 1.53 indicates that HMPT should not have too much problems paying its short term obligations.
HMPT has a better Quick ratio (1.53) than 67.02% of its industry peers.
Industry RankSector Rank
Current Ratio 1.53
Quick Ratio 1.53
HMPT Yearly Current Assets VS Current LiabilitesHMPT Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2018 2019 2020 2021 2022 1B 2B 3B 4B 5B

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4

3. Growth

3.1 Past

The earnings per share for HMPT have decreased strongly by -1166.67% in the last year.
HMPT shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -62.77%.
Measured over the past years, HMPT shows a small growth in Revenue. The Revenue has been growing by 2.62% on average per year.
EPS 1Y (TTM)-1166.67%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-1312.5%
Revenue 1Y (TTM)-62.77%
Revenue growth 3Y2.62%
Revenue growth 5YN/A
Sales Q2Q%-58.55%

3.2 Future

HMPT is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 35.98% yearly.
The Revenue is expected to grow by 9.62% on average over the next years. This is quite good.
EPS Next Y76.04%
EPS Next 2Y43.03%
EPS Next 3Y35.98%
EPS Next 5YN/A
Revenue Next Year-42.42%
Revenue Next 2Y-9.38%
Revenue Next 3Y9.62%
Revenue Next 5YN/A

3.3 Evolution

The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
HMPT Yearly Revenue VS EstimatesHMPT Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B
HMPT Yearly EPS VS EstimatesHMPT Yearly EPS VS EstimatesYearly EPS VS Estimates 2018 2019 2020 2021 2022 2023 2024 2025 0 1 -1 2 3 4

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4

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for HMPT. In the last year negative earnings were reported.
With a Price/Forward Earnings ratio of 42.71, HMPT can be considered very expensive at the moment.
Based on the Price/Forward Earnings ratio, HMPT is valued a bit more expensive than 72.34% of the companies in the same industry.
HMPT's Price/Forward Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 22.70.
Industry RankSector Rank
PE N/A
Fwd PE 42.71
HMPT Price Earnings VS Forward Price EarningsHMPT Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 10 20 30 40

4.2 Price Multiples

97.87% of the companies in the same industry are more expensive than HMPT, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 0.17
EV/EBITDA N/A
HMPT Per share dataHMPT EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 10

4.3 Compensation for Growth

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
HMPT's earnings are expected to grow with 35.98% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y43.03%
EPS Next 3Y35.98%

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4

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 6.90%, HMPT is a good candidate for dividend investing.
HMPT's Dividend Yield is rather good when compared to the industry average which is at 3.85. HMPT pays more dividend than 89.36% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.27, HMPT pays a better dividend.
Industry RankSector Rank
Dividend Yield 6.9%

5.2 History

HMPT is new to the dividend game and has less than 3 years of track record.
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0
HMPT Yearly Dividends per shareHMPT Yearly Dividends per shareYearly Dividends per share 2021 2022 0.05 0.1 0.15

5.3 Sustainability

The earnings of HMPT are negative and hence is the payout ratio. HMPT will probably not be able to sustain this dividend level.
DP-1.8%
EPS Next 2Y43.03%
EPS Next 3Y35.98%
HMPT Yearly Income VS Free CF VS DividendHMPT Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2018 2019 2020 2021 2022 0 2B -2B

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HOME POINT CAPITAL INC

NASDAQ:HMPT (7/31/2023, 8:00:01 PM)

2.32

0 (0%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)08-09 2023-08-09/bmo
Earnings (Next)11-08 2023-11-08/bmo
Inst Owners0.02%
Inst Owner Change0%
Ins Owners0.47%
Ins Owner Change0%
Market Cap321.25M
Analysts50.91
Price Target2.12 (-8.62%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 6.9%
Yearly Dividend0.08
Dividend Growth(5Y)N/A
DP-1.8%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-444.72%
Min EPS beat(2)-859.33%
Max EPS beat(2)-30.11%
EPS beat(4)0
Avg EPS beat(4)-417.72%
Min EPS beat(4)-859.33%
Max EPS beat(4)-30.11%
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)2
Avg Revenue beat(2)78.31%
Min Revenue beat(2)55.97%
Max Revenue beat(2)100.65%
Revenue beat(4)4
Avg Revenue beat(4)44.91%
Min Revenue beat(4)11.46%
Max Revenue beat(4)100.65%
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)0%
PT rev (3m)9.12%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-14.24%
EPS NY rev (1m)-30.76%
EPS NY rev (3m)-30.76%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-7.5%
Revenue NY rev (1m)-10.88%
Revenue NY rev (3m)-10.88%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 42.71
P/S 0.88
P/FCF 0.17
P/OCF 0.17
P/B 0.68
P/tB 0.68
EV/EBITDA N/A
EPS(TTM)-2.24
EYN/A
EPS(NY)0.05
Fwd EY2.34%
FCF(TTM)13.71
FCFY591.06%
OCF(TTM)13.7
OCFY590.71%
SpS2.63
BVpS3.4
TBVpS3.4
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA N/A
ROE N/A
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM 56.92%
FCFM N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-6.61%
GM growth 5YN/A
F-Score4
Asset Turnover0.17
Health
Industry RankSector Rank
Debt/Equity 2.77
Debt/FCF 0.73
Debt/EBITDA N/A
Cap/Depr 9.26%
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 1.53
Quick Ratio 1.53
Altman-Z 0.16
F-Score4
WACC3.25%
ROIC/WACCN/A
Cap/Depr(3y)122.93%
Cap/Depr(5y)102.17%
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)-1166.67%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-1312.5%
EPS Next Y76.04%
EPS Next 2Y43.03%
EPS Next 3Y35.98%
EPS Next 5YN/A
Revenue 1Y (TTM)-62.77%
Revenue growth 3Y2.62%
Revenue growth 5YN/A
Sales Q2Q%-58.55%
Revenue Next Year-42.42%
Revenue Next 2Y-9.38%
Revenue Next 3Y9.62%
Revenue Next 5YN/A
EBIT growth 1Y-164.18%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year111.61%
EBIT Next 3Y39.06%
EBIT Next 5YN/A
FCF growth 1Y254.41%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y255.11%
OCF growth 3YN/A
OCF growth 5YN/A