11.09 USD
-0.05 (-0.45%)
We assign a fundamental rating of 2 out of 10 to MFIC. 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
- MFIC had positive earnings in the past year.
- In the past year MFIC has reported a negative cash flow from operations.
- Of the past 5 years MFIC 4 years were profitable.
- The reported operating cash flow has been mixed in the past 5 years: MFIC reported negative operating cash flow in multiple years.
1.2 Ratios
- MFIC's Return On Assets of 3.02% is in line compared to the rest of the industry. MFIC outperforms 51.90% of its industry peers.
- MFIC's Return On Equity of 7.31% is in line compared to the rest of the industry. MFIC outperforms 47.68% of its industry peers.
- MFIC has a Return On Invested Capital of 3.58%. This is comparable to the rest of the industry: MFIC outperforms 50.21% of its industry peers.
- Measured over the past 3 years, the Average Return On Invested Capital for MFIC is below the industry average of 7.27%.
- The 3 year average ROIC (3.33%) for MFIC is below the current ROIC(3.58%), indicating increased profibility in the last year.
| 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 77.22% of the companies in the same industry.
- In the last couple of years the Profit Margin of MFIC has grown nicely.
- With an excellent Operating Margin value of 44.06%, MFIC belongs to the best of the industry, outperforming 80.59% of the companies in the same industry.
- In the last couple of years the Operating Margin of MFIC has declined.
- MFIC has a Gross Margin of 46.74%. This is comparable to the rest of the industry: MFIC outperforms 51.90% of its industry peers.
- MFIC's Gross Margin has declined in the last couple of years.
| 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.
- Compared to 5 years ago, MFIC has more shares outstanding
- 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.
- The Altman-Z score of MFIC (-0.01) is worse than 74.26% 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 64.56% 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
- A Current Ratio of 0.53 indicates that MFIC may have some problems paying its short term obligations.
- MFIC has a worse Current ratio (0.53) than 72.57% of its industry peers.
- A Quick Ratio of 0.53 indicates that MFIC may have some problems paying its short term obligations.
- MFIC has a Quick ratio of 0.53. This is in the lower half of the industry: MFIC underperforms 72.57% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.53 | ||
| Quick Ratio | 0.53 |
3. Growth
3.1 Past
- The earnings per share for MFIC have decreased strongly by -13.97% in the last year.
- The Earnings Per Share has been decreasing by -1.01% on average over the past years.
- The Revenue has grown by 11.35% in the past year. This is quite good.
- Measured over the past years, MFIC shows a small growth in Revenue. The Revenue has been growing by 3.42% on average per year.
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
- Based on estimates for the next years, MFIC will show a decrease in Earnings Per Share. The EPS will decrease by -5.75% on average per year.
- Based on estimates for the next years, MFIC will show a decrease in Revenue. The Revenue will decrease by -1.44% on average per year.
EPS Next Y-11.56%
EPS Next 2Y-8.42%
EPS Next 3Y-5.75%
EPS Next 5YN/A
Revenue Next Year5.43%
Revenue Next 2Y0.12%
Revenue Next 3Y-1.44%
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
- The Price/Earnings ratio is 7.20, which indicates a rather cheap valuation of MFIC.
- Based on the Price/Earnings ratio, MFIC is valued cheaper than 81.01% of the companies in the same industry.
- MFIC's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.60.
- Based on the Price/Forward Earnings ratio of 7.64, the valuation of MFIC can be described as very cheap.
- Based on the Price/Forward Earnings ratio, MFIC is valued cheaper than 87.34% of the companies in the same industry.
- MFIC is valuated cheaply when we compare the Price/Forward Earnings ratio to 25.83, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.2 | ||
| Fwd PE | 7.64 |
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.
- Compared to an average industry Dividend Yield of 5.87, MFIC pays a bit more dividend than its industry peers.
- Compared to an average S&P500 Dividend Yield of 1.82, MFIC pays a better dividend.
| Industry Rank | Sector 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
5.3 Sustainability
- 142.24% of the earnings are spent on dividend by MFIC. 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-8.42%
EPS Next 3Y-5.75%
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 7.2 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 142.24%.