11.57 USD
-0.17 (-1.45%)
11.57 USD
0 (0%)
Taking everything into account, MFIC scores 2 out of 10 in our fundamental rating. MFIC was compared to 237 industry peers in the Capital Markets industry. MFIC has a medium profitability rating, but doesn't score so well on its financial health evaluation. MFIC has a valuation in line with the averages, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
- In the past year MFIC was profitable.
- In the past year MFIC has reported a negative cash flow from operations.
- Of the past 5 years MFIC 4 years were profitable.
- In multiple years MFIC reported negative operating cash flow during the last 5 years.
1.2 Ratios
- MFIC has a Return On Assets (3.02%) which is in line with its industry peers.
- MFIC's Return On Equity of 7.31% is in line compared to the rest of the industry. MFIC outperforms 48.09% of its industry peers.
- With a Return On Invested Capital value of 3.58%, MFIC perfoms like the industry average, outperforming 50.64% of the companies in the same industry.
- The Average Return On Invested Capital over the past 3 years for MFIC is below the industry average of 7.16%.
- The last Return On Invested Capital (3.58%) for MFIC is above the 3 year average (3.33%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.02% | ||
| ROE | 7.31% | ||
| ROIC | 3.58% |
ROA(3y)3.67%
ROA(5y)2.27%
ROE(3y)9.02%
ROE(5y)5.3%
ROIC(3y)3.33%
ROIC(5y)3.5%
1.3 Margins
- With a decent Profit Margin value of 30.79%, MFIC is doing good in the industry, outperforming 77.45% of the companies in the same industry.
- In the last couple of years the Profit Margin of MFIC has grown nicely.
- The Operating Margin of MFIC (44.06%) is better than 80.43% of its industry peers.
- MFIC's Operating Margin has declined in the last couple of years.
- Looking at the Gross Margin, with a value of 46.74%, MFIC is in line with its industry, outperforming 52.34% of the companies in the same industry.
- In the last couple of years the Gross Margin of MFIC has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 44.06% | ||
| PM (TTM) | 30.79% | ||
| GM | 46.74% |
OM growth 3Y-4.53%
OM growth 5Y-2.47%
PM growth 3Y-14.09%
PM growth 5Y3.04%
GM growth 3Y-5.92%
GM growth 5Y-3.38%
2. Health
2.1 Basic Checks
- MFIC has more shares outstanding than it did 1 year ago.
- MFIC has more shares outstanding than it did 5 years ago.
- Compared to 1 year ago, MFIC has an improved debt to assets ratio.
2.2 Solvency
- MFIC has an Altman-Z score of 0.01. This is a bad value and indicates that MFIC is not financially healthy and even has some risk of bankruptcy.
- MFIC has a Altman-Z score of 0.01. This is in the lower half of the industry: MFIC underperforms 73.19% of its industry peers.
- MFIC has a Debt/Equity ratio of 1.31. This is a high value indicating a heavy dependency on external financing.
- Looking at the Debt to Equity ratio, with a value of 1.31, MFIC is doing worse than 63.83% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.31 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 0.01 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
- MFIC has a Current Ratio of 0.53. 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 0.53, MFIC is doing worse than 72.34% of the companies in the same industry.
- MFIC has a Quick Ratio of 0.53. 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 Quick ratio, with a value of 0.53, MFIC is doing worse than 72.34% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.53 | ||
| Quick Ratio | 0.53 |
3. Growth
3.1 Past
- MFIC shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -13.97%.
- Measured over the past years, MFIC shows a decrease in Earnings Per Share. The EPS has been decreasing by -1.01% on average per year.
- The Revenue has grown by 11.35% in the past year. This is quite good.
- The Revenue has been growing slightly by 3.42% on average over the past years.
EPS 1Y (TTM)-13.97%
EPS 3Y0.98%
EPS 5Y-1.01%
EPS Q2Q%-13.64%
Revenue 1Y (TTM)11.35%
Revenue growth 3Y11.67%
Revenue growth 5Y3.42%
Sales Q2Q%16.77%
3.2 Future
- MFIC is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -5.75% yearly.
- The Revenue is expected to decrease by -1.37% on average over the next years.
EPS Next Y-11.56%
EPS Next 2Y-8.42%
EPS Next 3Y-5.75%
EPS Next 5YN/A
Revenue Next Year5.49%
Revenue Next 2Y0.28%
Revenue Next 3Y-1.37%
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
- Based on the Price/Earnings ratio of 7.51, the valuation of MFIC can be described as very cheap.
- Compared to the rest of the industry, the Price/Earnings ratio of MFIC indicates a rather cheap valuation: MFIC is cheaper than 83.83% of the companies listed in the same industry.
- The average S&P500 Price/Earnings ratio is at 27.47. MFIC is valued rather cheaply when compared to this.
- Based on the Price/Forward Earnings ratio of 7.97, the valuation of MFIC can be described as very cheap.
- Based on the Price/Forward Earnings ratio, MFIC is valued cheaper than 85.53% of the companies in the same industry.
- The average S&P500 Price/Forward Earnings ratio is at 24.26. MFIC is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.51 | ||
| Fwd PE | 7.97 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- MFIC's earnings are expected to decrease with -5.75% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-8.42%
EPS Next 3Y-5.75%
5. Dividend
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 6.12.
- MFIC's Dividend Yield is rather good when compared to the S&P500 average which is at 1.87.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 11.64% |
5.2 History
- The dividend of MFIC decreases each year by -0.67%.
- MFIC has paid a dividend for at least 10 years, which is a reliable track record.
- The dividend of MFIC decreased in the last 3 years.
Dividend Growth(5Y)-0.67%
Div Incr Years2
Div Non Decr Years2
5.3 Sustainability
- 142.24% 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.
DP142.24%
EPS Next 2Y-8.42%
EPS Next 3Y-5.75%
11.57
-0.17 (-1.45%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)11-06 2025-11-06/amc
Earnings (Next)02-23 2026-02-23/amc
Inst Owners32.87%
Inst Owner ChangeN/A
Ins Owners0.78%
Ins Owner Change0%
Market Cap1.08B
Revenue(TTM)324.68M
Net Income(TTM)99.96M
Analysts72.86
Price Target13.16 (13.74%)
Short Float %0.95%
Short Ratio1.4
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 11.64% |
Yearly Dividend1.76
Dividend Growth(5Y)-0.67%
DP142.24%
Div Incr Years2
Div Non Decr Years2
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)0.16%
Min EPS beat(2)-1.64%
Max EPS beat(2)1.96%
EPS beat(4)1
Avg EPS beat(4)-1.82%
Min EPS beat(4)-5.37%
Max EPS beat(4)1.96%
EPS beat(8)4
Avg EPS beat(8)0.12%
EPS beat(12)6
Avg EPS beat(12)1.7%
EPS beat(16)7
Avg EPS beat(16)0.27%
Revenue beat(2)0
Avg Revenue beat(2)-2.62%
Min Revenue beat(2)-2.87%
Max Revenue beat(2)-2.37%
Revenue beat(4)0
Avg Revenue beat(4)-5.05%
Min Revenue beat(4)-7.81%
Max Revenue beat(4)-2.37%
Revenue beat(8)1
Avg Revenue beat(8)-4.24%
Revenue beat(12)3
Avg Revenue beat(12)-1.85%
Revenue beat(16)7
Avg Revenue beat(16)-0.5%
PT rev (1m)0%
PT rev (3m)-6.42%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-3.28%
EPS NY rev (1m)-0.08%
EPS NY rev (3m)-1.07%
Revenue NQ rev (1m)-0.36%
Revenue NQ rev (3m)-2.62%
Revenue NY rev (1m)-0.12%
Revenue NY rev (3m)-1.07%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.51 | ||
| Fwd PE | 7.97 | ||
| P/S | 3.32 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.79 | ||
| P/tB | 0.79 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.54
EY13.31%
EPS(NY)1.45
Fwd EY12.54%
FCF(TTM)-0.01
FCFYN/A
OCF(TTM)-0.01
OCFYN/A
SpS3.48
BVpS14.66
TBVpS14.66
PEG (NY)N/A
PEG (5Y)N/A
Graham Number22.54
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.02% | ||
| ROE | 7.31% | ||
| ROCE | 4.53% | ||
| ROIC | 3.58% | ||
| ROICexc | 3.65% | ||
| ROICexgc | 3.65% | ||
| OM | 44.06% | ||
| PM (TTM) | 30.79% | ||
| GM | 46.74% | ||
| FCFM | N/A |
ROA(3y)3.67%
ROA(5y)2.27%
ROE(3y)9.02%
ROE(5y)5.3%
ROIC(3y)3.33%
ROIC(5y)3.5%
ROICexc(3y)3.42%
ROICexc(5y)3.58%
ROICexgc(3y)3.43%
ROICexgc(5y)3.59%
ROCE(3y)4.22%
ROCE(5y)4.43%
ROICexgc growth 3Y-1.22%
ROICexgc growth 5Y-4.03%
ROICexc growth 3Y-1.18%
ROICexc growth 5Y-4%
OM growth 3Y-4.53%
OM growth 5Y-2.47%
PM growth 3Y-14.09%
PM growth 5Y3.04%
GM growth 3Y-5.92%
GM growth 5Y-3.38%
F-Score3
Asset Turnover0.1
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.31 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 1.22 | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | 0.53 | ||
| Quick Ratio | 0.53 | ||
| Altman-Z | 0.01 |
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)-13.97%
EPS 3Y0.98%
EPS 5Y-1.01%
EPS Q2Q%-13.64%
EPS Next Y-11.56%
EPS Next 2Y-8.42%
EPS Next 3Y-5.75%
EPS Next 5YN/A
Revenue 1Y (TTM)11.35%
Revenue growth 3Y11.67%
Revenue growth 5Y3.42%
Sales Q2Q%16.77%
Revenue Next Year5.49%
Revenue Next 2Y0.28%
Revenue Next 3Y-1.37%
Revenue Next 5YN/A
EBIT growth 1Y13.55%
EBIT growth 3Y6.61%
EBIT growth 5Y0.86%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-100.69%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-100.69%
OCF growth 3YN/A
OCF growth 5YN/A
MIDCAP FINANCIAL INVESTMENT / MFIC FAQ
What is the ChartMill fundamental rating of MIDCAP FINANCIAL INVESTMENT (MFIC) stock?
ChartMill assigns a fundamental rating of 2 / 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 7.51 and the Price/Book (PB) ratio is 0.79.
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 142.24%.