MIDCAP FINANCIAL INVESTMENT (MFIC) Fundamental Analysis & Valuation

NASDAQ:MFIC • US03761U5020

Current stock price

10.82 USD
+0.07 (+0.65%)
Last:

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.
  • MFIC had positive earnings in 4 of the past 5 years.
  • In multiple years MFIC reported negative operating cash flow during the last 5 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 0 200M -200M 400M -400M 600M

1.2 Ratios

  • MFIC's Return On Assets of 3.02% is in line compared to the rest of the industry. MFIC outperforms 51.65% of its industry peers.
  • MFIC has a Return On Equity (7.31%) which is comparable to the rest of the industry.
  • The Return On Invested Capital of MFIC (3.58%) is comparable to the rest of the industry.
  • The Average Return On Invested Capital over the past 3 years for MFIC is below the industry average of 7.15%.
  • 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 RankSector 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%
MFIC Yearly ROA, ROE, ROICMFIC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 -5 10 -10

1.3 Margins

  • The Profit Margin of MFIC (30.79%) is better than 75.62% of its industry peers.
  • MFIC's Profit Margin has improved in the last couple of years.
  • With an excellent Operating Margin value of 44.06%, MFIC belongs to the best of the industry, outperforming 80.99% of the companies in the same industry.
  • MFIC's Operating Margin has declined in the last couple of years.
  • MFIC has a Gross Margin (46.74%) which is comparable to the rest of the industry.
  • MFIC's Gross Margin has declined in the last couple of years.
Industry RankSector 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%
MFIC Yearly Profit, Operating, Gross MarginsMFIC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 -20 40 -40 60

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0

2. MFIC Health Analysis

2.1 Basic Checks

  • MFIC has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
MFIC Yearly Shares OutstandingMFIC Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 1B 2B 3B

2.2 Solvency

  • Based on the Altman-Z score of -0.02, we must say that MFIC is in the distress zone and has some risk of bankruptcy.
  • MFIC has a worse Altman-Z score (-0.02) than 74.79% 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.
  • MFIC has a Debt to Equity ratio of 1.31. This is in the lower half of the industry: MFIC underperforms 64.46% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.31
Debt/FCF N/A
Altman-Z -0.02
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 0 500M 1B 1.5B

2.3 Liquidity

  • A Current Ratio of 0.53 indicates that MFIC may have some problems paying its short term obligations.
  • MFIC's Current ratio of 0.53 is on the low side compared to the rest of the industry. MFIC is outperformed by 73.14% of its industry peers.
  • A Quick Ratio of 0.53 indicates that MFIC may have some problems paying its short term obligations.
  • Looking at the Quick ratio, with a value of 0.53, MFIC is doing worse than 72.73% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 0.53
Quick Ratio 0.53
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 20M 40M 60M 80M 100M

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1

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%.
  • The Earnings Per Share has been decreasing by -6.66% 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)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
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.
  • MFIC is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -5.99% yearly.
EPS Next Y-5.17%
EPS Next 2Y-5.22%
EPS Next 3Y-5.15%
EPS Next 5YN/A
Revenue Next Year-4.92%
Revenue Next 2Y-4.71%
Revenue Next 3Y-5.99%
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 accelerating.
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 7.07, 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 79.75% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 26.11, MFIC is valued rather cheaply.
  • MFIC is valuated cheaply with a Price/Forward Earnings ratio of 7.46.
  • MFIC's Price/Forward Earnings ratio is rather cheap when compared to the industry. MFIC is cheaper than 83.88% of the companies 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 24.12.
Industry RankSector Rank
PE 7.07
Fwd PE 7.46
MFIC Price Earnings VS Forward Price EarningsMFIC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40

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

  • A cheap valuation may be justified as MFIC's earnings are expected to decrease with -5.15% in the coming years.
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

  • With a Yearly Dividend Yield of 11.64%, MFIC is a good candidate for dividend investing.
  • MFIC's Dividend Yield is a higher than the industry average which is at 6.96.
  • MFIC's Dividend Yield is rather good when compared to the S&P500 average which is at 1.91.
Industry RankSector Rank
Dividend Yield 11.64%

5.2 History

  • The dividend of MFIC decreases each year by -0.67%.
  • 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)-0.67%
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

  • MFIC pays out 142.24% of its income as dividend. This is not a sustainable payout ratio.
  • The Dividend Rate of MFIC has been decling, while earnings will also be declining. This means the current dividend is most likely not sustainable.
DP142.24%
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 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 (3/18/2026, 1:37:50 PM)

10.82

+0.07 (+0.65%)

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 Cap997.71M
Revenue(TTM)N/A
Net Income(TTM)99.96M
Analysts71.43
Price Target12.91 (19.32%)
Short Float %0.92%
Short Ratio0.9
Dividend
Industry RankSector Rank
Dividend Yield 11.64%
Yearly Dividend1.76
Dividend Growth(5Y)-0.67%
DP142.24%
Div Incr Years2
Div Non Decr Years2
Ex-Date03-10
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)-1.94%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.08%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.7%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.18%
Valuation
Industry RankSector Rank
PE 7.07
Fwd PE 7.46
P/S 3.07
P/FCF N/A
P/OCF N/A
P/B 0.73
P/tB 0.73
EV/EBITDA N/A
EPS(TTM)1.53
EY14.14%
EPS(NY)1.45
Fwd EY13.41%
FCF(TTM)-0.01
FCFYN/A
OCF(TTM)-0.01
OCFYN/A
SpS3.52
BVpS14.83
TBVpS14.83
PEG (NY)N/A
PEG (5Y)N/A
Graham Number22.6
Profitability
Industry RankSector 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 RankSector 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 -0.02
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)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%-4.63%
Revenue Next Year-4.92%
Revenue Next 2Y-4.71%
Revenue Next 3Y-5.99%
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 Fundamental Analysis 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 7.07 and the Price/Book (PB) ratio is 0.73.


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%.