2.71 USD
+0.01 (+0.37%)
Overall ICMB gets a fundamental rating of 1 out of 10. We evaluated ICMB against 235 industry peers in the Capital Markets industry. ICMB may be in some trouble as it scores bad on both profitability and health. ICMB is valued expensive and it does not seem to be growing.
1. Profitability
1.1 Basic Checks
ICMB had positive earnings in the past year.
ICMB had a negative operating cash flow in the past year.
The reported net income has been mixed in the past 5 years: ICMB reported negative net income in multiple years.
Of the past 5 years ICMB 4 years had a positive operating cash flow.
1.2 Ratios
The Return On Assets of ICMB (-0.03%) is worse than 74.47% of its industry peers.
With a Return On Equity value of -0.07%, ICMB is not doing good in the industry: 72.77% of the companies in the same industry are doing better.
The Return On Invested Capital of ICMB (1.00%) is worse than 66.81% of its industry peers.
ICMB had an Average Return On Invested Capital over the past 3 years of 3.05%. This is below the industry average of 7.07%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -0.03% | ||
| ROE | -0.07% | ||
| ROIC | 1% |
ROA(3y)0.11%
ROA(5y)-1.77%
ROE(3y)0.33%
ROE(5y)-4.84%
ROIC(3y)3.05%
ROIC(5y)3.15%
1.3 Margins
Looking at the Operating Margin, with a value of 14.06%, ICMB is doing worse than 62.13% of the companies in the same industry.
In the last couple of years the Operating Margin of ICMB has declined.
Looking at the Gross Margin, with a value of 30.97%, ICMB is doing worse than 65.11% of the companies in the same industry.
In the last couple of years the Gross Margin of ICMB has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 14.06% | ||
| PM (TTM) | N/A | ||
| GM | 30.97% |
OM growth 3Y-6.8%
OM growth 5Y-6.8%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-3.33%
GM growth 5Y-3.46%
2. Health
2.1 Basic Checks
The number of shares outstanding for ICMB remains at a similar level compared to 1 year ago.
Compared to 5 years ago, ICMB has more shares outstanding
The debt/assets ratio for ICMB has been reduced compared to a year ago.
2.2 Solvency
Based on the Altman-Z score of -0.95, we must say that ICMB is in the distress zone and has some risk of bankruptcy.
ICMB's Altman-Z score of -0.95 is on the low side compared to the rest of the industry. ICMB is outperformed by 85.96% of its industry peers.
A Debt/Equity ratio of 1.75 is on the high side and indicates that ICMB has dependencies on debt financing.
ICMB has a Debt to Equity ratio of 1.75. This is in the lower half of the industry: ICMB underperforms 75.74% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.75 | ||
| Debt/FCF | N/A | ||
| Altman-Z | -0.95 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
A Current Ratio of 0.09 indicates that ICMB may have some problems paying its short term obligations.
Looking at the Current ratio, with a value of 0.09, ICMB is doing worse than 92.34% of the companies in the same industry.
ICMB has a Quick Ratio of 0.09. This is a bad value and indicates that ICMB is not financially healthy enough and could expect problems in meeting its short term obligations.
The Quick ratio of ICMB (0.09) is worse than 92.34% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.09 | ||
| Quick Ratio | 0.09 |
3. Growth
3.1 Past
ICMB shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -26.15%.
Measured over the past years, ICMB shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -13.48% on average per year.
Looking at the last year, ICMB shows a very negative growth in Revenue. The Revenue has decreased by -10.50% in the last year.
The Revenue has been decreasing by -7.04% on average over the past years.
EPS 1Y (TTM)-26.15%
EPS 3Y-9.61%
EPS 5Y-13.48%
EPS Q2Q%N/A
Revenue 1Y (TTM)-10.5%
Revenue growth 3Y-3.64%
Revenue growth 5Y-7.04%
Sales Q2Q%-11.21%
3.2 Future
Based on estimates for the next years, ICMB will show a very negative growth in Earnings Per Share. The EPS will decrease by -33.24% on average per year.
The Revenue is expected to decrease by -14.23% on average over the next years. This is quite bad
EPS Next Y-63.87%
EPS Next 2Y-43.54%
EPS Next 3Y-33.24%
EPS Next 5YN/A
Revenue Next Year-29.77%
Revenue Next 2Y-14.23%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 5.65, which indicates a rather cheap valuation of ICMB.
ICMB's Price/Earnings ratio is rather cheap when compared to the industry. ICMB is cheaper than 89.79% of the companies in the same industry.
When comparing the Price/Earnings ratio of ICMB to the average of the S&P500 Index (26.84), we can say ICMB is valued rather cheaply.
With a Price/Forward Earnings ratio of 17.71, ICMB is valued on the expensive side.
ICMB's Price/Forward Earnings is on the same level as the industry average.
The average S&P500 Price/Forward Earnings ratio is at 23.40. ICMB is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.65 | ||
| Fwd PE | 17.71 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
A cheap valuation may be justified as ICMB's earnings are expected to decrease with -33.24% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-43.54%
EPS Next 3Y-33.24%
5. Dividend
5.1 Amount
ICMB has a Yearly Dividend Yield of 15.00%, which is a nice return.
ICMB's Dividend Yield is rather good when compared to the industry average which is at 6.65. ICMB pays more dividend than 89.79% of the companies in the same industry.
ICMB's Dividend Yield is rather good when compared to the S&P500 average which is at 2.00.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 15% |
5.2 History
The dividend of ICMB decreases each year by -4.85%.
ICMB has been paying a dividend for at least 10 years, so it has a reliable track record.
Dividend Growth(5Y)-4.85%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
The earnings of ICMB are negative and hence is the payout ratio. ICMB will probably not be able to sustain this dividend level.
The Dividend Rate of ICMB has been decling, while earnings will also be declining. This means the current dividend is most likely not sustainable.
DP-12905.85%
EPS Next 2Y-43.54%
EPS Next 3Y-33.24%
NASDAQ:ICMB (12/29/2025, 8:00:02 PM)
2.71
+0.01 (+0.37%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)
Earnings (Next)
Inst Owners21.91%
Inst Owner Change6.6%
Ins Owners1.31%
Ins Owner Change0%
Market Cap39.08M
Revenue(TTM)23.88M
Net Income(TTM)-53.00K
Analysts43.33
Price TargetN/A
Short Float %0.73%
Short Ratio2.43
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 15% |
Yearly Dividend0.78
Dividend Growth(5Y)-4.85%
DP-12905.85%
Div Incr Years0
Div Non Decr Years0
Ex-Date
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-55.44%
Min EPS beat(2)-64.35%
Max EPS beat(2)-46.52%
EPS beat(4)1
Avg EPS beat(4)-21.53%
Min EPS beat(4)-64.35%
Max EPS beat(4)56.86%
EPS beat(8)3
Avg EPS beat(8)-14.22%
EPS beat(12)5
Avg EPS beat(12)-8.27%
EPS beat(16)6
Avg EPS beat(16)-13.31%
Revenue beat(2)0
Avg Revenue beat(2)-16.39%
Min Revenue beat(2)-18.75%
Max Revenue beat(2)-14.02%
Revenue beat(4)1
Avg Revenue beat(4)-5.24%
Min Revenue beat(4)-18.75%
Max Revenue beat(4)30.17%
Revenue beat(8)2
Avg Revenue beat(8)-5.47%
Revenue beat(12)6
Avg Revenue beat(12)-2.04%
Revenue beat(16)7
Avg Revenue beat(16)-2.24%
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)-63.83%
EPS NY rev (3m)-63.83%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)-21.28%
Revenue NY rev (3m)-21.28%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.65 | ||
| Fwd PE | 17.71 | ||
| P/S | 2.17 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.54 | ||
| P/tB | 0.54 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.48
EY17.71%
EPS(NY)0.15
Fwd EY5.65%
FCF(TTM)-0.53
FCFYN/A
OCF(TTM)-0.53
OCFYN/A
SpS1.25
BVpS5.04
TBVpS5.04
PEG (NY)N/A
PEG (5Y)N/A
Graham Number7.38
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -0.03% | ||
| ROE | -0.07% | ||
| ROCE | 1.85% | ||
| ROIC | 1% | ||
| ROICexc | 1.02% | ||
| ROICexgc | 1.02% | ||
| OM | 14.06% | ||
| PM (TTM) | N/A | ||
| GM | 30.97% | ||
| FCFM | N/A |
ROA(3y)0.11%
ROA(5y)-1.77%
ROE(3y)0.33%
ROE(5y)-4.84%
ROIC(3y)3.05%
ROIC(5y)3.15%
ROICexc(3y)3.07%
ROICexc(5y)3.21%
ROICexgc(3y)3.07%
ROICexgc(5y)3.21%
ROCE(3y)5.57%
ROCE(5y)5.13%
ROICexgc growth 3Y0.79%
ROICexgc growth 5Y-4.87%
ROICexc growth 3Y0.79%
ROICexc growth 5Y-4.87%
OM growth 3Y-6.8%
OM growth 5Y-6.8%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-3.33%
GM growth 5Y-3.46%
F-Score2
Asset Turnover0.09
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.75 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 0.34 | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | 0.09 | ||
| Quick Ratio | 0.09 | ||
| Altman-Z | -0.95 |
F-Score2
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)-26.15%
EPS 3Y-9.61%
EPS 5Y-13.48%
EPS Q2Q%N/A
EPS Next Y-63.87%
EPS Next 2Y-43.54%
EPS Next 3Y-33.24%
EPS Next 5YN/A
Revenue 1Y (TTM)-10.5%
Revenue growth 3Y-3.64%
Revenue growth 5Y-7.04%
Sales Q2Q%-11.21%
Revenue Next Year-29.77%
Revenue Next 2Y-14.23%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-65.2%
EBIT growth 3Y-10.19%
EBIT growth 5Y-13.36%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-130.52%
FCF growth 3Y22.4%
FCF growth 5YN/A
OCF growth 1Y-130.52%
OCF growth 3Y22.4%
OCF growth 5YN/A
INVESTCORP CREDIT MANAGEMENT / ICMB FAQ
What is the fundamental rating for ICMB stock?
ChartMill assigns a fundamental rating of 1 / 10 to ICMB.
What is the valuation status for ICMB stock?
ChartMill assigns a valuation rating of 3 / 10 to INVESTCORP CREDIT MANAGEMENT (ICMB). This can be considered as Overvalued.
How profitable is INVESTCORP CREDIT MANAGEMENT (ICMB) stock?
INVESTCORP CREDIT MANAGEMENT (ICMB) has a profitability rating of 1 / 10.
What are the PE and PB ratios of INVESTCORP CREDIT MANAGEMENT (ICMB) stock?
The Price/Earnings (PE) ratio for INVESTCORP CREDIT MANAGEMENT (ICMB) is 5.65 and the Price/Book (PB) ratio is 0.54.
What is the expected EPS growth for INVESTCORP CREDIT MANAGEMENT (ICMB) stock?
The Earnings per Share (EPS) of INVESTCORP CREDIT MANAGEMENT (ICMB) is expected to decline by -63.87% in the next year.