11.47 USD
+0.04 (+0.35%)
11.47 USD
0 (0%)
Overall MFIC gets a fundamental rating of 2 out of 10. We evaluated MFIC against 235 industry peers in the Capital Markets industry. There are concerns on the financial health of MFIC while its profitability can be described as average. MFIC is valued correctly, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
In the past year MFIC was profitable.
MFIC had a negative operating cash flow in the past year.
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
With a Return On Assets value of 3.02%, MFIC perfoms like the industry average, outperforming 57.87% of the companies in the same industry.
The Return On Equity of MFIC (7.31%) 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 7.17%.
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
Looking at the Profit Margin, with a value of 30.79%, MFIC is in the better half of the industry, outperforming 77.87% 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 44.06% is amongst the best of the industry. MFIC outperforms 80.43% of its industry peers.
In the last couple of years the Operating Margin of MFIC has declined.
MFIC has a Gross Margin (46.74%) which is in line with 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
The number of shares outstanding for MFIC has been increased compared to 1 year ago.
Compared to 5 years ago, MFIC has more shares outstanding
MFIC has a better debt/assets ratio than last year.
2.2 Solvency
Based on the Altman-Z score of 0.00, we must say that MFIC is in the distress zone and has some risk of bankruptcy.
The Altman-Z score of MFIC (0.00) is worse than 73.62% 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.
The Debt to Equity ratio of MFIC (1.31) is worse than 64.26% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.31 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 0 |
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 72.77% of the companies in the same industry.
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 72.77% of its industry peers.
| 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.
Looking at the last year, MFIC shows a quite strong growth in Revenue. The Revenue has grown by 11.35% in the last year.
MFIC shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.42% yearly.
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 -1.37% 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 Year5.49%
Revenue Next 2Y0.28%
Revenue Next 3Y-1.37%
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
The Price/Earnings ratio is 7.45, which indicates a rather cheap valuation of MFIC.
83.83% 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 (27.19), we can say MFIC is valued rather cheaply.
A Price/Forward Earnings ratio of 7.91 indicates a rather cheap valuation of MFIC.
85.53% of the companies in the same industry are more expensive than MFIC, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of MFIC to the average of the S&P500 Index (23.92), we can say MFIC is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.45 | ||
| Fwd PE | 7.91 |
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 6.19, MFIC pays a bit more dividend than its industry peers.
MFIC's Dividend Yield is rather good when compared to the S&P500 average which is at 1.92.
| 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.
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
MFIC pays out 142.24% of its income as dividend. 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%
11.47
+0.04 (+0.35%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)
Earnings (Next)
Inst Owners32.87%
Inst Owner ChangeN/A
Ins Owners0.78%
Ins Owner Change0%
Market Cap1.07B
Revenue(TTM)324.68M
Net Income(TTM)99.96M
Analysts72.86
Price Target13.16 (14.73%)
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 | 7.45 | ||
| Fwd PE | 7.91 | ||
| P/S | 3.3 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.78 | ||
| P/tB | 0.78 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.54
EY13.43%
EPS(NY)1.45
Fwd EY12.65%
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 |
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 7.45 and the Price/Book (PB) ratio is 0.78.
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%.