MIDCAP FINANCIAL INVESTMENT (MFIC) Fundamental Analysis & Valuation

NASDAQ:MFIC • US03761U5020

Current stock price

10.79 USD
-0.25 (-2.26%)
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This MFIC fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. MFIC Profitability Analysis

1.1 Basic Checks

  • In the past year MFIC was profitable.
  • In the past year MFIC has reported a negative cash flow from operations.
  • Each year in the past 5 years MFIC has been profitable.
  • The reported operating cash flow has been mixed in the past 5 years: MFIC reported negative operating cash flow in multiple years.
MFIC Yearly Net Income VS EBIT VS OCF VS FCFMFIC Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 200M -200M 400M -400M 600M

1.2 Ratios

  • The Return On Assets of MFIC (1.90%) is comparable to the rest of the industry.
  • With a Return On Equity value of 4.83%, MFIC is not doing good in the industry: 60.25% of the companies in the same industry are doing better.
  • MFIC has a Return On Invested Capital (3.53%) which is in line with its industry peers.
  • The Average Return On Invested Capital over the past 3 years for MFIC is below the industry average of 7.28%.
  • The 3 year average ROIC (3.52%) for MFIC is below the current ROIC(3.53%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 1.9%
ROE 4.83%
ROIC 3.53%
ROA(3y)3.25%
ROA(5y)3.46%
ROE(3y)7.89%
ROE(5y)8.54%
ROIC(3y)3.52%
ROIC(5y)3.4%
MFIC Yearly ROA, ROE, ROICMFIC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5 -5 10 -10

1.3 Margins

  • MFIC's Profit Margin of 19.69% is in line compared to the rest of the industry. MFIC outperforms 54.81% of its industry peers.
  • In the last couple of years the Profit Margin of MFIC has declined.
  • MFIC's Operating Margin of 44.25% is amongst the best of the industry. MFIC outperforms 81.17% of its industry peers.
  • MFIC's Operating Margin has declined in the last couple of years.
  • MFIC has a Gross Margin of 47.82%. This is comparable to the rest of the industry: MFIC outperforms 55.65% of its industry peers.
  • In the last couple of years the Gross Margin of MFIC has declined.
Industry RankSector Rank
OM 44.25%
PM (TTM) 19.69%
GM 47.82%
OM growth 3Y-0.58%
OM growth 5Y-3.35%
PM growth 3Y-20.14%
PM growth 5YN/A
GM growth 3Y-2.67%
GM growth 5Y-3.86%
MFIC Yearly Profit, Operating, Gross MarginsMFIC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20 -20 40 -40 60

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0

2. MFIC Health Analysis

2.1 Basic Checks

  • The number of shares outstanding for MFIC has been reduced compared to 1 year ago.
  • MFIC has more shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, MFIC has a worse debt to assets ratio.
MFIC Yearly Shares OutstandingMFIC Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M
MFIC Yearly Total Debt VS Total AssetsMFIC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B

2.2 Solvency

  • Based on the Altman-Z score of -0.04, we must say that MFIC is in the distress zone and has some risk of bankruptcy.
  • MFIC has a Altman-Z score of -0.04. This is in the lower half of the industry: MFIC underperforms 74.90% of its industry peers.
  • MFIC has a Debt/Equity ratio of 1.43. This is a high value indicating a heavy dependency on external financing.
  • MFIC's Debt to Equity ratio of 1.43 is on the low side compared to the rest of the industry. MFIC is outperformed by 67.36% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.43
Debt/FCF N/A
Altman-Z -0.04
ROIC/WACCN/A
WACCN/A
MFIC Yearly LT Debt VS Equity VS FCFMFIC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 500M 1B 1.5B

2.3 Liquidity

  • MFIC has a Current Ratio of 0.74. This is a bad value and indicates that MFIC is not financially healthy enough and could expect problems in meeting its short term obligations.
  • Looking at the Current ratio, with a value of 0.74, MFIC is doing worse than 66.95% of the companies in the same industry.
  • A Quick Ratio of 0.74 indicates that MFIC may have some problems paying its short term obligations.
  • With a Quick ratio value of 0.74, MFIC is not doing good in the industry: 66.53% of the companies in the same industry are doing better.
Industry RankSector Rank
Current Ratio 0.74
Quick Ratio 0.74
MFIC Yearly Current Assets VS Current LiabilitesMFIC Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

2

3. MFIC Growth Analysis

3.1 Past

  • MFIC shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -11.56%.
  • Measured over the past years, MFIC shows a decrease in Earnings Per Share. The EPS has been decreasing by -6.66% on average per year.
  • MFIC shows a small growth in Revenue. In the last year, the Revenue has grown by 6.33%.
  • The Revenue has been growing slightly by 2.99% on average over the past years.
EPS 1Y (TTM)-11.56%
EPS 3Y0.89%
EPS 5Y-6.66%
EPS Q2Q%-2.5%
Revenue 1Y (TTM)6.33%
Revenue growth 3Y14.6%
Revenue growth 5Y2.99%
Sales Q2Q%-4.63%

3.2 Future

  • MFIC is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -5.15% yearly.
  • Based on estimates for the next years, MFIC will show a decrease in Revenue. The Revenue will decrease by -5.99% on average per year.
EPS Next Y-5.17%
EPS Next 2Y-5.22%
EPS Next 3Y-5.15%
EPS Next 5YN/A
Revenue Next Year-11.26%
Revenue Next 2Y-9.59%
Revenue Next 3Y-5.99%
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 decreasing.
MFIC Yearly Revenue VS EstimatesMFIC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 100M 200M 300M 400M
MFIC Yearly EPS VS EstimatesMFIC Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 0.5 1 1.5 2 2.5

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5

4. MFIC Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 7.05, the valuation of MFIC can be described as very cheap.
  • MFIC's Price/Earnings ratio is a bit cheaper when compared to the industry. MFIC is cheaper than 78.66% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 24.88, MFIC is valued rather cheaply.
  • With a Price/Forward Earnings ratio of 7.44, the valuation of MFIC can be described as very cheap.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of MFIC indicates a rather cheap valuation: MFIC is cheaper than 82.01% of the companies listed in the same industry.
  • MFIC's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.19.
Industry RankSector Rank
PE 7.05
Fwd PE 7.44
MFIC Price Earnings VS Forward Price EarningsMFIC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
MFIC Per share dataMFIC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 10

4.3 Compensation for Growth

  • MFIC's earnings are expected to decrease with -5.15% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-5.22%
EPS Next 3Y-5.15%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. MFIC Dividend Analysis

5.1 Amount

  • MFIC has a Yearly Dividend Yield of 11.64%, which is a nice return.
  • MFIC's Dividend Yield is a higher than the industry average which is at 6.73.
  • Compared to an average S&P500 Dividend Yield of 1.90, MFIC pays a better dividend.
Industry RankSector Rank
Dividend Yield 11.64%

5.2 History

  • The dividend of MFIC decreases each year by -3.46%.
  • MFIC has been paying a dividend for at least 10 years, so it has a reliable track record.
  • MFIC has decreased its dividend in the last 3 years.
Dividend Growth(5Y)-3.46%
Div Incr Years2
Div Non Decr Years2
MFIC Yearly Dividends per shareMFIC Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5 2

5.3 Sustainability

  • 224.14% of the earnings are spent on dividend by MFIC. This is not a sustainable payout ratio.
  • MFIC's earnings and Dividend Rate are declining. This means the current dividend is most likely not sustainable.
DP224.14%
EPS Next 2Y-5.22%
EPS Next 3Y-5.15%
MFIC Yearly Income VS Free CF VS DividendMFIC Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 200M -200M 400M -400M 600M
MFIC Dividend Payout.MFIC Dividend Payout, showing the Payout Ratio.MFIC Dividend Payout.PayoutRetained Earnings

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MFIC Fundamentals: All Metrics, Ratios and Statistics

MIDCAP FINANCIAL INVESTMENT

NASDAQ:MFIC (3/27/2026, 5:37:23 PM)

After market: 10.79 0 (0%)

10.79

-0.25 (-2.26%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)02-26
Earnings (Next)05-11
Inst Owners35.75%
Inst Owner ChangeN/A
Ins Owners0.79%
Ins Owner Change-1.2%
Market Cap994.95M
Revenue(TTM)320.88M
Net Income(TTM)63.17M
Analysts71.43
Price Target12.91 (19.65%)
Short Float %0.92%
Short Ratio0.9
Dividend
Industry RankSector Rank
Dividend Yield 11.64%
Yearly Dividend1.52
Dividend Growth(5Y)-3.46%
DP224.14%
Div Incr Years2
Div Non Decr Years2
Ex-Date03-10
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)1.03%
Min EPS beat(2)-1.64%
Max EPS beat(2)3.69%
EPS beat(4)2
Avg EPS beat(4)-0.34%
Min EPS beat(4)-5.37%
Max EPS beat(4)3.69%
EPS beat(8)4
Avg EPS beat(8)-0.01%
EPS beat(12)6
Avg EPS beat(12)0.3%
EPS beat(16)8
Avg EPS beat(16)0.96%
Revenue beat(2)0
Avg Revenue beat(2)-3.77%
Min Revenue beat(2)-4.68%
Max Revenue beat(2)-2.87%
Revenue beat(4)0
Avg Revenue beat(4)-4.43%
Min Revenue beat(4)-7.81%
Max Revenue beat(4)-2.37%
Revenue beat(8)0
Avg Revenue beat(8)-5.99%
Revenue beat(12)2
Avg Revenue beat(12)-3.5%
Revenue beat(16)6
Avg Revenue beat(16)-0.9%
PT rev (1m)0%
PT rev (3m)-1.94%
EPS NQ rev (1m)-0.4%
EPS NQ rev (3m)-0.4%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)-5.35%
Revenue NQ rev (3m)-5.35%
Revenue NY rev (1m)-6.68%
Revenue NY rev (3m)-6.97%
Valuation
Industry RankSector Rank
PE 7.05
Fwd PE 7.44
P/S 3.1
P/FCF N/A
P/OCF N/A
P/B 0.76
P/tB 0.76
EV/EBITDA N/A
EPS(TTM)1.53
EY14.18%
EPS(NY)1.45
Fwd EY13.45%
FCF(TTM)-0.54
FCFYN/A
OCF(TTM)-0.54
OCFYN/A
SpS3.48
BVpS14.18
TBVpS14.18
PEG (NY)N/A
PEG (5Y)N/A
Graham Number22.09
Profitability
Industry RankSector Rank
ROA 1.9%
ROE 4.83%
ROCE 4.47%
ROIC 3.53%
ROICexc 3.64%
ROICexgc 3.64%
OM 44.25%
PM (TTM) 19.69%
GM 47.82%
FCFM N/A
ROA(3y)3.25%
ROA(5y)3.46%
ROE(3y)7.89%
ROE(5y)8.54%
ROIC(3y)3.52%
ROIC(5y)3.4%
ROICexc(3y)3.63%
ROICexc(5y)3.49%
ROICexgc(3y)3.65%
ROICexgc(5y)3.5%
ROCE(3y)4.46%
ROCE(5y)4.3%
ROICexgc growth 3Y6.75%
ROICexgc growth 5Y-2.46%
ROICexc growth 3Y6.74%
ROICexc growth 5Y-2.42%
OM growth 3Y-0.58%
OM growth 5Y-3.35%
PM growth 3Y-20.14%
PM growth 5YN/A
GM growth 3Y-2.67%
GM growth 5Y-3.86%
F-Score3
Asset Turnover0.1
Health
Industry RankSector Rank
Debt/Equity 1.43
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 1.18
Cash Conversion N/A
Profit Quality N/A
Current Ratio 0.74
Quick Ratio 0.74
Altman-Z -0.04
F-Score3
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)-11.56%
EPS 3Y0.89%
EPS 5Y-6.66%
EPS Q2Q%-2.5%
EPS Next Y-5.17%
EPS Next 2Y-5.22%
EPS Next 3Y-5.15%
EPS Next 5YN/A
Revenue 1Y (TTM)6.33%
Revenue growth 3Y14.6%
Revenue growth 5Y2.99%
Sales Q2Q%-4.63%
Revenue Next Year-11.26%
Revenue Next 2Y-9.59%
Revenue Next 3Y-5.99%
Revenue Next 5YN/A
EBIT growth 1Y6.53%
EBIT growth 3Y13.94%
EBIT growth 5Y-0.46%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-421.88%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-421.88%
OCF growth 3YN/A
OCF growth 5YN/A

MIDCAP FINANCIAL INVESTMENT / MFIC Fundamental Analysis FAQ

What is the ChartMill fundamental rating of MIDCAP FINANCIAL INVESTMENT (MFIC) stock?

ChartMill assigns a fundamental rating of 3 / 10 to MFIC.


What is the valuation status for MFIC stock?

ChartMill assigns a valuation rating of 5 / 10 to MIDCAP FINANCIAL INVESTMENT (MFIC). This can be considered as Fairly Valued.


Can you provide the profitability details for MIDCAP FINANCIAL INVESTMENT?

MIDCAP FINANCIAL INVESTMENT (MFIC) has a profitability rating of 4 / 10.


What are the PE and PB ratios of MIDCAP FINANCIAL INVESTMENT (MFIC) stock?

The Price/Earnings (PE) ratio for MIDCAP FINANCIAL INVESTMENT (MFIC) is 7.05 and the Price/Book (PB) ratio is 0.76.


Is the dividend of MIDCAP FINANCIAL INVESTMENT sustainable?

The dividend rating of MIDCAP FINANCIAL INVESTMENT (MFIC) is 5 / 10 and the dividend payout ratio is 224.14%.