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LOGAN RIDGE FINANCE CORP (LRFC) Stock Fundamental Analysis

NASDAQ:LRFC - Nasdaq - US5410981097 - Common Stock - Currency: USD

24.78  -0.12 (-0.48%)

Fundamental Rating

3

LRFC gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 225 industry peers in the Capital Markets industry. The financial health of LRFC is average, but there are quite some concerns on its profitability. LRFC is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

In the past year LRFC has reported negative net income.
In the past year LRFC had a positive cash flow from operations.
LRFC had negative earnings in each of the past 5 years.
LRFC had a positive operating cash flow in 4 of the past 5 years.
LRFC Yearly Net Income VS EBIT VS OCF VS FCFLRFC 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 50M -50M

1.2 Ratios

With a Return On Assets value of -1.75%, LRFC is not doing good in the industry: 83.56% of the companies in the same industry are doing better.
With a Return On Equity value of -3.79%, LRFC is not doing good in the industry: 81.74% of the companies in the same industry are doing better.
LRFC has a worse Return On Invested Capital (1.41%) than 67.58% of its industry peers.
Industry RankSector Rank
ROA -1.75%
ROE -3.79%
ROIC 1.41%
ROA(3y)-2.55%
ROA(5y)-4.99%
ROE(3y)-5.74%
ROE(5y)-13.69%
ROIC(3y)N/A
ROIC(5y)N/A
LRFC Yearly ROA, ROE, ROICLRFC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 -10 -20 -30

1.3 Margins

Looking at the Operating Margin, with a value of 16.42%, LRFC is doing worse than 63.01% of the companies in the same industry.
In the last couple of years the Operating Margin of LRFC has declined.
With a Gross Margin value of 40.07%, LRFC is not doing good in the industry: 67.58% of the companies in the same industry are doing better.
In the last couple of years the Gross Margin of LRFC has declined.
Industry RankSector Rank
OM 16.42%
PM (TTM) N/A
GM 40.07%
OM growth 3Y365.49%
OM growth 5Y-10.86%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y30.15%
GM growth 5Y-1.52%
LRFC Yearly Profit, Operating, Gross MarginsLRFC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 -50 -100

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5

2. Health

2.1 Basic Checks

The number of shares outstanding for LRFC has been reduced compared to 1 year ago.
The number of shares outstanding for LRFC has been reduced compared to 5 years ago.
LRFC has a better debt/assets ratio than last year.
LRFC Yearly Shares OutstandingLRFC Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 500K 1M 1.5M 2M 2.5M
LRFC Yearly Total Debt VS Total AssetsLRFC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 200M 400M 600M

2.2 Solvency

Based on the Altman-Z score of -0.16, we must say that LRFC is in the distress zone and has some risk of bankruptcy.
LRFC has a Altman-Z score of -0.16. This is amonst the worse of the industry: LRFC underperforms 80.37% of its industry peers.
LRFC has a debt to FCF ratio of 16.82. This is a negative value and a sign of low solvency as LRFC would need 16.82 years to pay back of all of its debts.
LRFC has a Debt to FCF ratio (16.82) which is comparable to the rest of the industry.
LRFC has a Debt/Equity ratio of 1.12. This is a high value indicating a heavy dependency on external financing.
LRFC has a Debt to Equity ratio (1.12) which is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 1.12
Debt/FCF 16.82
Altman-Z -0.16
ROIC/WACCN/A
WACCN/A
LRFC Yearly LT Debt VS Equity VS FCFLRFC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 100M 200M

2.3 Liquidity

A Current Ratio of 2.78 indicates that LRFC has no problem at all paying its short term obligations.
The Current ratio of LRFC (2.78) is better than 75.34% of its industry peers.
LRFC has a Quick Ratio of 2.78. This indicates that LRFC is financially healthy and has no problem in meeting its short term obligations.
The Quick ratio of LRFC (2.78) is better than 75.34% of its industry peers.
Industry RankSector Rank
Current Ratio 2.78
Quick Ratio 2.78
LRFC Yearly Current Assets VS Current LiabilitesLRFC Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 20M 40M 60M 80M 100M

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3

3. Growth

3.1 Past

The earnings per share for LRFC have decreased strongly by -1344.44% in the last year.
LRFC shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -47.04% yearly.
LRFC shows a decrease in Revenue. In the last year, the revenue decreased by -1.79%.
The Revenue for LRFC have been decreasing by -15.66% on average. This is quite bad
EPS 1Y (TTM)-1344.44%
EPS 3Y22.68%
EPS 5Y-47.04%
EPS Q2Q%-216.28%
Revenue 1Y (TTM)-1.79%
Revenue growth 3Y-8.63%
Revenue growth 5Y-15.66%
Sales Q2Q%-0.27%

3.2 Future

The Earnings Per Share is expected to grow by 148.24% on average over the next years. This is a very strong growth
The Revenue is expected to decrease by -1.21% on average over the next years.
EPS Next Y-6.5%
EPS Next 2Y148.24%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-1.44%
Revenue Next 2Y-1.21%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
LRFC Yearly Revenue VS EstimatesLRFC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M
LRFC Yearly EPS VS EstimatesLRFC Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5 10

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3

4. Valuation

4.1 Price/Earnings Ratio

LRFC reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
With a Price/Forward Earnings ratio of 16.75, LRFC is valued correctly.
LRFC's Price/Forward Earnings is on the same level as the industry average.
LRFC's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 22.68.
Industry RankSector Rank
PE N/A
Fwd PE 16.75
LRFC Price Earnings VS Forward Price EarningsLRFC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 10 -10 20 -20

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, LRFC is valued a bit cheaper than 68.49% of the companies in the same industry.
Industry RankSector Rank
P/FCF 11.53
EV/EBITDA N/A
LRFC Per share dataLRFC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 10 20 30

4.3 Compensation for Growth

LRFC's earnings are expected to grow with 148.24% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y148.24%
EPS Next 3YN/A

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4

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 5.38%, LRFC is a good candidate for dividend investing.
LRFC's Dividend Yield is comparable with the industry average which is at 9.98.
LRFC's Dividend Yield is rather good when compared to the S&P500 average which is at 2.27.
Industry RankSector Rank
Dividend Yield 5.38%

5.2 History

The dividend of LRFC decreases each year by -29.82%.
LRFC has been paying a dividend for at least 10 years, so it has a reliable track record.
Dividend Growth(5Y)-29.82%
Div Incr Years0
Div Non Decr Years0
LRFC Yearly Dividends per shareLRFC Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2023 2024 2 4 6 8 10

5.3 Sustainability

LRFC has negative earnings and hence a negative payout ratio. The dividend may be in danger.
DP-104.21%
EPS Next 2Y148.24%
EPS Next 3YN/A
LRFC Yearly Income VS Free CF VS DividendLRFC Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 50M -50M

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LOGAN RIDGE FINANCE CORP

NASDAQ:LRFC (2/21/2025, 8:00:00 PM)

24.78

-0.12 (-0.48%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)11-07 2024-11-07/amc
Earnings (Next)03-13 2025-03-13/amc
Inst Owners27.84%
Inst Owner Change3.86%
Ins Owners10.2%
Ins Owner Change0%
Market Cap66.16M
Analysts85.71
Price Target27.54 (11.14%)
Short Float %0.36%
Short Ratio1.18
Dividend
Industry RankSector Rank
Dividend Yield 5.38%
Yearly Dividend0.96
Dividend Growth(5Y)-29.82%
DP-104.21%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-203.1%
Min EPS beat(2)-236.17%
Max EPS beat(2)-170.03%
EPS beat(4)1
Avg EPS beat(4)-157.29%
Min EPS beat(4)-300%
Max EPS beat(4)77.02%
EPS beat(8)3
Avg EPS beat(8)-309.62%
EPS beat(12)4
Avg EPS beat(12)-791.25%
EPS beat(16)4
Avg EPS beat(16)-968.76%
Revenue beat(2)0
Avg Revenue beat(2)-3.51%
Min Revenue beat(2)-5.99%
Max Revenue beat(2)-1.04%
Revenue beat(4)0
Avg Revenue beat(4)-6.07%
Min Revenue beat(4)-13.43%
Max Revenue beat(4)-1.04%
Revenue beat(8)2
Avg Revenue beat(8)-1.82%
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)12.5%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)-79.63%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.49%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 16.75
P/S 3.32
P/FCF 11.53
P/OCF 11.53
P/B 0.77
P/tB 0.77
EV/EBITDA N/A
EPS(TTM)-1.12
EYN/A
EPS(NY)1.48
Fwd EY5.97%
FCF(TTM)2.15
FCFY8.67%
OCF(TTM)2.15
OCFY8.67%
SpS7.47
BVpS32.34
TBVpS32.34
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -1.75%
ROE -3.79%
ROCE 1.79%
ROIC 1.41%
ROICexc 1.45%
ROICexgc 1.46%
OM 16.42%
PM (TTM) N/A
GM 40.07%
FCFM 28.77%
ROA(3y)-2.55%
ROA(5y)-4.99%
ROE(3y)-5.74%
ROE(5y)-13.69%
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 3Y382.43%
ROICexcg growth 5Y-10.44%
ROICexc growth 3Y382.43%
ROICexc growth 5Y-10.44%
OM growth 3Y365.49%
OM growth 5Y-10.86%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y30.15%
GM growth 5Y-1.52%
F-Score5
Asset Turnover0.11
Health
Industry RankSector Rank
Debt/Equity 1.12
Debt/FCF 16.82
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 0.44
Cash Conversion N/A
Profit Quality N/A
Current Ratio 2.78
Quick Ratio 2.78
Altman-Z -0.16
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)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-1344.44%
EPS 3Y22.68%
EPS 5Y-47.04%
EPS Q2Q%-216.28%
EPS Next Y-6.5%
EPS Next 2Y148.24%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-1.79%
Revenue growth 3Y-8.63%
Revenue growth 5Y-15.66%
Sales Q2Q%-0.27%
Revenue Next Year-1.44%
Revenue Next 2Y-1.21%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-16.08%
EBIT growth 3Y325.32%
EBIT growth 5Y-24.82%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y174.4%
FCF growth 3Y-31.82%
FCF growth 5Y-9.3%
OCF growth 1Y174.4%
OCF growth 3Y-31.82%
OCF growth 5Y-9.3%