MIDCAP FINANCIAL INVESTMENT (MFIC) Stock Fundamental Analysis
USA - NASDAQ:MFIC - US03761U5020 - Common Stock
12.4 USD
+0.2 (+1.64%)
12.4 USD
0 (0%)
MFIC gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 235 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 on the other hand it scores bad on growth.
1. Profitability
1.1 Basic Checks
MFIC had positive earnings in the past year.
MFIC had a negative operating cash flow in the past year.
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 of 2.87%. This is comparable to the rest of the industry: MFIC outperforms 52.34% of its industry peers.
MFIC's Return On Equity of 7.21% is in line compared to the rest of the industry. MFIC outperforms 45.96% of its industry peers.
MFIC has a Return On Invested Capital (3.36%) which 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 7.61%.
The last Return On Invested Capital (3.36%) for MFIC is above the 3 year average (3.33%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.87% | ||
| ROE | 7.21% | ||
| ROIC | 3.36% |
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
Looking at the Profit Margin, with a value of 30.60%, MFIC is in the better half of the industry, outperforming 76.17% of the companies in the same industry.
In the last couple of years the Profit Margin of MFIC has grown nicely.
MFIC's Operating Margin of 44.99% is fine compared to the rest of the industry. MFIC outperforms 79.57% of its industry peers.
In the last couple of years the Operating Margin of MFIC has declined.
MFIC has a Gross Margin (47.92%) which is comparable to the rest of the industry.
In the last couple of years the Gross Margin of MFIC has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 44.99% | ||
| PM (TTM) | 30.6% | ||
| GM | 47.92% |
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
Compared to 1 year ago, MFIC has more shares outstanding
The number of shares outstanding for MFIC has been increased compared to 5 years ago.
The debt/assets ratio for MFIC has been reduced compared to a year ago.
2.2 Solvency
Based on the Altman-Z score of 0.06, we must say that MFIC is in the distress zone and has some risk of bankruptcy.
With a Altman-Z score value of 0.06, MFIC is not doing good in the industry: 74.47% of the companies in the same industry are doing better.
MFIC has a Debt/Equity ratio of 1.49. This is a high value indicating a heavy dependency on external financing.
With a Debt to Equity ratio value of 1.49, MFIC is not doing good in the industry: 71.49% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.49 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 0.06 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
MFIC has a Current Ratio of 2.62. This indicates that MFIC is financially healthy and has no problem in meeting its short term obligations.
The Current ratio of MFIC (2.62) is better than 77.45% of its industry peers.
A Quick Ratio of 2.62 indicates that MFIC has no problem at all paying its short term obligations.
MFIC's Quick ratio of 2.62 is fine compared to the rest of the industry. MFIC outperforms 77.87% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.62 | ||
| Quick Ratio | 2.62 |
3. Growth
3.1 Past
The earnings per share for MFIC have decreased strongly by -10.11% in the last year.
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.
Looking at the last year, MFIC shows a quite strong growth in Revenue. The Revenue has grown by 16.79% in the last year.
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)-10.11%
EPS 3Y0.98%
EPS 5Y-1.01%
EPS Q2Q%-13.33%
Revenue 1Y (TTM)16.79%
Revenue growth 3Y11.67%
Revenue growth 5Y3.42%
Sales Q2Q%17.48%
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.
The Revenue is expected to decrease by -0.46% on average over the next years.
EPS Next Y-10.68%
EPS Next 2Y-6.63%
EPS Next 3Y-5.75%
EPS Next 5YN/A
Revenue Next Year6.5%
Revenue Next 2Y1.53%
Revenue Next 3Y-0.46%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less 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.
4. Valuation
4.1 Price/Earnings Ratio
MFIC is valuated cheaply with a Price/Earnings ratio of 7.75.
82.55% of the companies in the same industry are more expensive than MFIC, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of MFIC to the average of the S&P500 Index (27.08), we can say MFIC is valued rather cheaply.
A Price/Forward Earnings ratio of 8.22 indicates a reasonable valuation of MFIC.
MFIC's Price/Forward Earnings ratio is rather cheap when compared to the industry. MFIC is cheaper than 83.83% 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 23.09.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.75 | ||
| Fwd PE | 8.22 |
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-6.63%
EPS Next 3Y-5.75%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 11.64%, MFIC is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 8.30, MFIC pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.30, 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
162.39% 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.
DP162.39%
EPS Next 2Y-6.63%
EPS Next 3Y-5.75%
12.4
+0.2 (+1.64%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)
Earnings (Next)
Inst Owners32.53%
Inst Owner ChangeN/A
Ins Owners0.78%
Ins Owner Change0%
Market Cap1.16B
Revenue(TTM)324.24M
Net Income(TTM)99.22M
Analysts74.29
Price Target14.07 (13.47%)
Short Float %0.83%
Short Ratio1.72
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 11.64% |
Yearly Dividend1.76
Dividend Growth(5Y)-0.67%
DP162.39%
Div Incr Years2
Div Non Decr Years2
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-1.7%
Min EPS beat(2)-5.37%
Max EPS beat(2)1.96%
EPS beat(4)2
Avg EPS beat(4)-0.87%
Min EPS beat(4)-5.37%
Max EPS beat(4)2.17%
EPS beat(8)4
Avg EPS beat(8)-0.24%
EPS beat(12)7
Avg EPS beat(12)1.99%
EPS beat(16)8
Avg EPS beat(16)0.86%
Revenue beat(2)0
Avg Revenue beat(2)-5.09%
Min Revenue beat(2)-7.81%
Max Revenue beat(2)-2.37%
Revenue beat(4)0
Avg Revenue beat(4)-7.67%
Min Revenue beat(4)-13.35%
Max Revenue beat(4)-2.37%
Revenue beat(8)1
Avg Revenue beat(8)-4.21%
Revenue beat(12)4
Avg Revenue beat(12)-1.06%
Revenue beat(16)7
Avg Revenue beat(16)-0.62%
PT rev (1m)0%
PT rev (3m)-1.99%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.04%
EPS NY rev (1m)-0.08%
EPS NY rev (3m)1.07%
Revenue NQ rev (1m)-0.52%
Revenue NQ rev (3m)1.31%
Revenue NY rev (1m)-0.13%
Revenue NY rev (3m)0.43%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.75 | ||
| Fwd PE | 8.22 | ||
| P/S | 3.57 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.84 | ||
| P/tB | 0.84 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.6
EY12.9%
EPS(NY)1.51
Fwd EY12.16%
FCF(TTM)-1.9
FCFYN/A
OCF(TTM)-1.9
OCFYN/A
SpS3.48
BVpS14.75
TBVpS14.75
PEG (NY)N/A
PEG (5Y)N/A
Graham Number23.04
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.87% | ||
| ROE | 7.21% | ||
| ROCE | 4.25% | ||
| ROIC | 3.36% | ||
| ROICexc | 3.43% | ||
| ROICexgc | 3.43% | ||
| OM | 44.99% | ||
| PM (TTM) | 30.6% | ||
| GM | 47.92% | ||
| 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-Score4
Asset Turnover0.09
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.49 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 1.24 | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | 2.62 | ||
| Quick Ratio | 2.62 | ||
| Altman-Z | 0.06 |
F-Score4
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)-10.11%
EPS 3Y0.98%
EPS 5Y-1.01%
EPS Q2Q%-13.33%
EPS Next Y-10.68%
EPS Next 2Y-6.63%
EPS Next 3Y-5.75%
EPS Next 5YN/A
Revenue 1Y (TTM)16.79%
Revenue growth 3Y11.67%
Revenue growth 5Y3.42%
Sales Q2Q%17.48%
Revenue Next Year6.5%
Revenue Next 2Y1.53%
Revenue Next 3Y-0.46%
Revenue Next 5YN/A
EBIT growth 1Y26.03%
EBIT growth 3Y6.61%
EBIT growth 5Y0.86%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-175.91%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-175.91%
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 3 / 10 to MFIC.
Can you provide the valuation status for MIDCAP FINANCIAL INVESTMENT?
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 is the valuation of MIDCAP FINANCIAL INVESTMENT based on its PE and PB ratios?
The Price/Earnings (PE) ratio for MIDCAP FINANCIAL INVESTMENT (MFIC) is 7.75 and the Price/Book (PB) ratio is 0.84.
Can you provide the dividend sustainability for MFIC stock?
The dividend rating of MIDCAP FINANCIAL INVESTMENT (MFIC) is 5 / 10 and the dividend payout ratio is 162.39%.