LRFC Fundamental Analysis - LOGAN RIDGE FINANCE CORP

Fundamental Rating

Taking everything into account, LRFC scores 3 out of 10 in our fundamental rating. LRFC was compared to 237 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.

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1. Profitability

1.1 Basic Checks

LRFC had negative earnings in the past year.

In the past year LRFC had a positive cash flow from operations.

In the past 5 years LRFC always reported negative net income.

LRFC had a positive operating cash flow in 4 of the past 5 years.

1.2 Ratios

Looking at the Return On Assets, with a value of -0.02%, LRFC is doing worse than 73.73% of the companies in the same industry.

Looking at the Return On Equity, with a value of -0.04%, LRFC is doing worse than 72.46% of the companies in the same industry.

The Return On Invested Capital of LRFC (1.75%) is worse than 66.10% of its industry peers.

		Industry Rank	Sector Rank
ROA	-0.02%
ROE	-0.04%
ROIC	1.75%

ROA(3y)-2.29%

ROA(5y)-3.69%

ROE(3y)-5.16%

ROE(5y)-9.96%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

LRFC has a Operating Margin (20.03%) which is comparable to the rest of the industry.

In the last couple of years the Operating Margin of LRFC has declined.

The Gross Margin of LRFC (43.01%) is worse than 60.17% of its industry peers.

In the last couple of years the Gross Margin of LRFC has grown nicely.

		Industry Rank	Sector Rank
OM	20.03%
PM (TTM)	N/A
GM	43.01%

OM growth 3YN/A

OM growth 5Y-7.56%

PM growth 3YN/A

PM growth 5YN/A

GM growth 3Y75.18%

GM growth 5Y1.65%

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

LRFC has less shares outstanding than it did 1 year ago.

The number of shares outstanding for LRFC has been reduced compared to 5 years ago.

LRFC has a worse debt/assets ratio than last year.

2.2 Solvency

Based on the Altman-Z score of -0.19, we must say that LRFC is in the distress zone and has some risk of bankruptcy.

LRFC has a worse Altman-Z score (-0.19) than 77.54% of its industry peers.

The Debt to FCF ratio of LRFC is 7.43, which is on the high side as it means it would take LRFC, 7.43 years of fcf income to pay off all of its debts.

LRFC's Debt to FCF ratio of 7.43 is in line compared to the rest of the industry. LRFC outperforms 57.63% of its industry peers.

LRFC has a Debt/Equity ratio of 1.22. This is a high value indicating a heavy dependency on external financing.

Looking at the Debt to Equity ratio, with a value of 1.22, LRFC is doing worse than 60.59% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	1.22
Debt/FCF	7.43
Altman-Z	-0.19

ROIC/WACCN/A

WACCN/A

2.3 Liquidity

A Current Ratio of 5.58 indicates that LRFC has no problem at all paying its short term obligations.

With an excellent Current ratio value of 5.58, LRFC belongs to the best of the industry, outperforming 88.56% of the companies in the same industry.

LRFC has a Quick Ratio of 5.58. This indicates that LRFC is financially healthy and has no problem in meeting its short term obligations.

LRFC's Quick ratio of 5.58 is amongst the best of the industry. LRFC outperforms 88.56% of its industry peers.

		Industry Rank	Sector Rank
Current Ratio	5.58
Quick Ratio	5.58

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

LRFC shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -340.71%.

LRFC shows a small growth in Revenue. In the last year, the Revenue has grown by 3.14%.

Measured over the past years, LRFC shows a very negative growth in Revenue. The Revenue has been decreasing by -13.84% on average per year.

EPS 1Y (TTM)-340.71%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%-410.77%

Revenue 1Y (TTM)3.14%

Revenue growth 3Y7.68%

Revenue growth 5Y-13.84%

Sales Q2Q%-7.44%

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 Y-1878.8%

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year-4.39%

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.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for LRFC. In the last year negative earnings were reported.

Besides the negative Price/Earnings Ratio, also the Forward Price/Earnings Ratio is negative for LRFC. No positive earnings are expected for the next year.

		Industry Rank	Sector Rank
PE	N/A
Fwd PE	N/A

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, LRFC is valued cheaper than 85.17% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	3.63
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)N/A

EPS Next 2YN/A

EPS Next 3YN/A

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5. Dividend

5.1 Amount

LRFC has a Yearly Dividend Yield of 7.39%, which is a nice return.

LRFC's Dividend Yield is a higher than the industry average which is at 7.96.

LRFC's Dividend Yield is rather good when compared to the S&P500 average which is at 2.38.

		Industry Rank	Sector Rank
Dividend Yield	7.39%

5.2 History

The dividend of LRFC decreases each year by -24.64%.

LRFC has paid a dividend for at least 10 years, which is a reliable track record.

Dividend Growth(5Y)-24.64%

Div Incr Years0

Div Non Decr Years0

5.3 Sustainability

LRFC has negative earnings and hence a negative payout ratio. The dividend may be in danger.

The Dividend Rate of LRFC has been decling, while earnings will also be declining. This means the current dividend is most likely not sustainable.

DP-11900%

EPS Next 2YN/A

EPS Next 3YN/A

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LOGAN RIDGE FINANCE CORP

NASDAQ:LRFC (7/14/2025, 8:00:01 PM)

19.08

+0.08 (+0.42%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupFinancial Services

GICS IndustryCapital Markets

Earnings (Last)05-08 2025-05-08/amc

Earnings (Next)08-12 2025-08-12/amc

Inst Owners30.24%

Inst Owner Change-0.27%

Ins Owners10.38%

Ins Owner Change-47.56%

Market Cap50.75M

Analysts85.71

Price Target24.48 (28.3%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	7.39%

Yearly Dividend1.34

Dividend Growth(5Y)-24.64%

DP-11900%

Div Incr Years0

Div Non Decr Years0

Ex-Date05-19 2025-05-19 (0.36)

Surprises & Revisions

EPS beat(2)0

Avg EPS beat(2)-161.46%

Min EPS beat(2)-236.17%

Max EPS beat(2)-86.75%

EPS beat(4)1

Avg EPS beat(4)-103.98%

Min EPS beat(4)-236.17%

Max EPS beat(4)77.02%

EPS beat(8)3

Avg EPS beat(8)-68.99%

EPS beat(12)4

Avg EPS beat(12)-397.99%

EPS beat(16)4

Avg EPS beat(16)-967.4%

Revenue beat(2)1

Avg Revenue beat(2)2.37%

Min Revenue beat(2)-1.04%

Max Revenue beat(2)5.78%

Revenue beat(4)1

Avg Revenue beat(4)-1.27%

Min Revenue beat(4)-5.99%

Max Revenue beat(4)5.78%

Revenue beat(8)2

Avg Revenue beat(8)-2.17%

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)-11.11%

EPS NQ rev (1m)0%

EPS NQ rev (3m)0%

EPS NY rev (1m)0%

EPS NY rev (3m)-166.9%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)0%

Revenue NY rev (1m)0%

Revenue NY rev (3m)-3.92%

Valuation

		Industry Rank	Sector Rank
PE	N/A
Fwd PE	N/A
P/S	2.43
P/FCF	3.63
P/OCF	3.63
P/B	0.6
P/tB	0.6
EV/EBITDA	N/A

EPS(TTM)-2.72

EYN/A

EPS(NY)-0.99

Fwd EYN/A

FCF(TTM)5.26

FCFY27.58%

OCF(TTM)5.26

OCFY27.58%

SpS7.86

BVpS31.95

TBVpS31.95

PEG (NY)N/A

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	-0.02%
ROE	-0.04%
ROCE	2.21%
ROIC	1.75%
ROICexc	1.9%
ROICexgc	1.9%
OM	20.03%
PM (TTM)	N/A
GM	43.01%
FCFM	66.93%

ROA(3y)-2.29%

ROA(5y)-3.69%

ROE(3y)-5.16%

ROE(5y)-9.96%

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 5Y-7.98%

ROICexc growth 3YN/A

ROICexc growth 5Y-8.01%

OM growth 3YN/A

OM growth 5Y-7.56%

PM growth 3YN/A

PM growth 5YN/A

GM growth 3Y75.18%

GM growth 5Y1.65%

F-Score7

Asset Turnover0.11

Health

		Industry Rank	Sector Rank
Debt/Equity	1.22
Debt/FCF	7.43
Debt/EBITDA	N/A
Cap/Depr	N/A
Cap/Sales	N/A
Interest Coverage	0.55
Cash Conversion	N/A
Profit Quality	N/A
Current Ratio	5.58
Quick Ratio	5.58
Altman-Z	-0.19

F-Score7

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)-340.71%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%-410.77%

EPS Next Y-1878.8%

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)3.14%

Revenue growth 3Y7.68%

Revenue growth 5Y-13.84%

Sales Q2Q%-7.44%

Revenue Next Year-4.39%

Revenue Next 2YN/A

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1Y9.09%

EBIT growth 3YN/A

EBIT growth 5Y-20.35%

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y-17.65%

FCF growth 3Y-44.58%

FCF growth 5Y-26.35%

OCF growth 1Y-17.65%

OCF growth 3Y-44.58%

OCF growth 5Y-26.35%

LOGAN RIDGE FINANCE CORP (LRFC) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

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5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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