LRFC Fundamental Analysis - LOGAN RIDGE FINANCE CORP

Fundamental Rating

Overall LRFC gets a fundamental rating of 2 out of 10. We evaluated LRFC against 233 industry peers in the Capital Markets industry. LRFC scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. LRFC is valued expensive and it does not seem to be growing.

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1. Profitability

1.1 Basic Checks

In the past year LRFC has reported negative net income.

LRFC had a positive operating cash flow in the past year.

LRFC had negative earnings in each of the past 5 years.

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

1.2 Ratios

The Return On Assets of LRFC (-0.02%) is worse than 74.25% of its industry peers.

The Return On Equity of LRFC (-0.04%) is worse than 72.96% of its industry peers.

The Return On Invested Capital of LRFC (1.75%) is worse than 67.38% 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 of 20.03%. This is in the lower half of the industry: LRFC underperforms 60.09% of its industry peers.

LRFC's Operating Margin has declined in the last couple of years.

LRFC has a Gross Margin of 43.01%. This is in the lower half of the industry: LRFC underperforms 61.37% of its industry peers.

LRFC's Gross Margin has improved in the last couple of years.

		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

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 worse debt/assets ratio than last year.

2.2 Solvency

LRFC has an Altman-Z score of -0.19. This is a bad value and indicates that LRFC is not financially healthy and even has some risk of bankruptcy.

LRFC has a worse Altman-Z score (-0.19) than 78.11% 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.

Looking at the Debt to FCF ratio, with a value of 7.43, LRFC is in line with its industry, outperforming 57.08% of the companies in the same industry.

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

LRFC's Debt to Equity ratio of 1.22 is on the low side compared to the rest of the industry. LRFC is outperformed by 61.37% of its industry peers.

		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.

LRFC's Current ratio of 5.58 is amongst the best of the industry. LRFC outperforms 87.98% of its industry peers.

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

LRFC has a better Quick ratio (5.58) than 87.98% 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

The earnings per share for LRFC have decreased strongly by -340.71% in the last year.

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

The Revenue for LRFC have been decreasing by -13.84% on average. This is quite bad

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.

Also next year LRFC is expected to report negative earnings again, which makes the also the Forward Price/Earnings Ratio negative.

		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 cheaply inside the industry as 85.84% of the companies are valued more expensively.

		Industry Rank	Sector Rank
P/FCF	3.58
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 7.48%, which is a nice return.

LRFC's Dividend Yield is a higher than the industry average which is at 8.15.

Compared to an average S&P500 Dividend Yield of 2.38, LRFC pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	7.48%

5.2 History

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

LRFC has been paying a dividend for at least 10 years, so it has 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.

LRFC's earnings and Dividend Rate are 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 (7/3/2025, 7:45:16 PM)

18.8499

-0.09 (-0.48%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupFinancial Services

GICS IndustryCapital Markets

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

Earnings (Next)08-06 2025-08-06/amc

Inst Owners30.24%

Inst Owner Change1.58%

Ins Owners10.38%

Ins Owner Change23.47%

Market Cap50.14M

Analysts85.71

Price Target24.48 (29.87%)

Short Float %0.06%

Short Ratio0.14

Dividend

		Industry Rank	Sector Rank
Dividend Yield	7.48%

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)-11.11%

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)-3.45%

Valuation

		Industry Rank	Sector Rank
PE	N/A
Fwd PE	N/A
P/S	2.4
P/FCF	3.58
P/OCF	3.58
P/B	0.59
P/tB	0.59
EV/EBITDA	N/A

EPS(TTM)-2.72

EYN/A

EPS(NY)-0.99

Fwd EYN/A

FCF(TTM)5.26

FCFY27.92%

OCF(TTM)5.26

OCFY27.92%

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

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens