11.43 USD
+0.04 (+0.35%)
11.43 USD
0 (0%)
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. While MFIC is still in line with the averages on profitability rating, there are concerns on its financial health. MFIC has a valuation in line with the averages, 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.
In multiple years MFIC reported negative operating cash flow during the last 5 years.
1.2 Ratios
MFIC has a Return On Assets (3.02%) which is comparable to the rest of the industry.
MFIC has a Return On Equity (7.31%) which is in line with its industry peers.
MFIC has a Return On Invested Capital (3.58%) which is comparable to the rest of the industry.
Measured over the past 3 years, the Average Return On Invested Capital for MFIC is below the industry average of 7.00%.
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
MFIC has a Profit Margin of 30.79%. This is in the better half of the industry: MFIC outperforms 76.47% of its industry peers.
MFIC's Profit Margin has improved in the last couple of years.
MFIC has a Operating Margin of 44.06%. This is amongst the best in the industry. MFIC outperforms 80.67% of its industry peers.
In the last couple of years the Operating Margin of MFIC has declined.
Looking at the Gross Margin, with a value of 46.74%, MFIC is in line with its industry, outperforming 55.04% of the companies in the same industry.
In the last couple of years the Gross Margin of MFIC has declined.
| 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
Compared to 1 year ago, MFIC has more shares outstanding
Compared to 5 years ago, MFIC has more shares outstanding
MFIC has a better debt/assets ratio than last year.
2.2 Solvency
MFIC has an Altman-Z score of 0.00. This is a bad value and indicates that MFIC is not financially healthy and even has some risk of bankruptcy.
MFIC's Altman-Z score of 0.00 is on the low side compared to the rest of the industry. MFIC is outperformed by 76.05% 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 65.13% 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.
The Current ratio of MFIC (0.53) is worse than 73.11% of its industry peers.
MFIC has a Quick 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.
With a Quick ratio value of 0.53, MFIC is not doing good in the industry: 73.11% of the companies in the same industry are doing better.
| 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.
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.
The Revenue has grown by 11.35% in the past year. This is quite good.
The Revenue has been growing slightly by 3.42% on average over the past years.
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.
MFIC is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -1.37% yearly.
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
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.
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 7.42, which indicates a rather cheap valuation of MFIC.
Based on the Price/Earnings ratio, MFIC is valued cheaply inside the industry as 83.19% of the companies are valued more expensively.
Compared to an average S&P500 Price/Earnings ratio of 26.59, MFIC is valued rather cheaply.
A Price/Forward Earnings ratio of 7.88 indicates a rather cheap valuation of MFIC.
84.45% of the companies in the same industry are more expensive than MFIC, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 24.03, MFIC is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.42 | ||
| Fwd PE | 7.88 |
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
With a Yearly Dividend Yield of 11.64%, MFIC is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 6.43, 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 1.88.
| Industry Rank | Sector 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
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%
11.43
+0.04 (+0.35%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)
Earnings (Next)
Inst Owners33.03%
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 (15.14%)
Short Float %0.9%
Short Ratio1.51
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-Date
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)-4.62%
PT rev (3m)-6.42%
EPS NQ rev (1m)-0.34%
EPS NQ rev (3m)-3.28%
EPS NY rev (1m)-0.99%
EPS NY rev (3m)-1.07%
Revenue NQ rev (1m)-0.36%
Revenue NQ rev (3m)-2.63%
Revenue NY rev (1m)-0.95%
Revenue NY rev (3m)-1.07%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.42 | ||
| Fwd PE | 7.88 | ||
| P/S | 3.28 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.78 | ||
| P/tB | 0.78 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.54
EY13.47%
EPS(NY)1.45
Fwd EY12.69%
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.
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 7.42 and the Price/Book (PB) ratio is 0.78.
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 142.24%.