MIDCAP FINANCIAL INVESTMENT (MFIC) Stock Fundamental Analysis

NASDAQ:MFIC • US03761U5020

10.79 USD
+0.04 (+0.37%)
Last: Feb 25, 2026, 12:14 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

2

Taking everything into account, MFIC scores 2 out of 10 in our fundamental rating. MFIC was compared to 238 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.


Dividend Valuation Growth Profitability Health

4

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.
  • MFIC had positive earnings in 4 of the past 5 years.
  • 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 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 51.68% of its industry peers.
  • MFIC's Return On Equity of 7.31% is in line compared to the rest of the industry. MFIC outperforms 47.48% of its industry peers.
  • MFIC has a Return On Invested Capital (3.58%) which is comparable to the rest of the industry.
  • MFIC had an Average Return On Invested Capital over the past 3 years of 3.33%. This is below the industry average of 7.31%.
  • 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

  • Looking at the Profit Margin, with a value of 30.79%, MFIC is in the better half of the industry, outperforming 76.89% of the companies in the same industry.
  • MFIC's Profit Margin has improved in the last couple of years.
  • Looking at the Operating Margin, with a value of 44.06%, MFIC belongs to the top of the industry, outperforming 80.25% of the companies in the same industry.
  • MFIC's Operating Margin has declined in the last couple of years.
  • With a Gross Margin value of 46.74%, MFIC perfoms like the industry average, outperforming 52.52% of the companies in the same industry.
  • In the last couple of years the Gross Margin of MFIC has declined.
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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ROAROEROICOperating and Profit MarginShow most profitable peers

0

2. Health

2.1 Basic Checks

  • Compared to 1 year ago, MFIC has more shares outstanding
  • MFIC has more shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, MFIC has an improved debt to assets ratio.
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.
  • The Altman-Z score of MFIC (-0.02) is worse than 74.37% 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 64.71% 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 has a worse Current ratio (0.53) than 71.01% 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 70.59% of its industry peers.
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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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

1

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.
  • MFIC shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 11.35%.
  • 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

  • MFIC is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -5.75% yearly.
  • 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

  • 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.
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 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 0.5 1 1.5 2 2.5

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Find the best growth stocksShow best growing peers

5

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 7.01, 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 80.25% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 26.98, MFIC is valued rather cheaply.
  • The Price/Forward Earnings ratio is 7.44, which indicates a rather cheap valuation of MFIC.
  • Based on the Price/Forward Earnings ratio, MFIC is valued cheaper than 86.55% of the companies in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 28.01, MFIC is valued rather cheaply.
Industry RankSector Rank
PE 7.01
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 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

  • 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%

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

5

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 6.17.
  • MFIC's Dividend Yield is rather good when compared to the S&P500 average which is at 1.81.
Industry RankSector 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.
  • 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 0.5 1 1.5 2

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%
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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Find the best dividend stocksShow peers with best dividend

MIDCAP FINANCIAL INVESTMENT

NASDAQ:MFIC (2/25/2026, 12:14:32 PM)

10.79

+0.04 (+0.37%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)11-06
Earnings (Next)02-26
Inst Owners32.87%
Inst Owner ChangeN/A
Ins Owners0.78%
Ins Owner Change-1.2%
Market Cap1.01B
Revenue(TTM)324.68M
Net Income(TTM)99.96M
Analysts71.43
Price Target12.91 (19.65%)
Short Float %0.62%
Short Ratio0.77
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-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)-6.47%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-2.64%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.99%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-2.38%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.01%
Valuation
Industry RankSector Rank
PE 7.01
Fwd PE 7.44
P/S 3.1
P/FCF N/A
P/OCF N/A
P/B 0.74
P/tB 0.74
EV/EBITDA N/A
EPS(TTM)1.54
EY14.27%
EPS(NY)1.45
Fwd EY13.45%
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 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)-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 Year5.43%
Revenue Next 2Y0.12%
Revenue Next 3Y-1.44%
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 7.01 and the Price/Book (PB) ratio is 0.74.


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%.