MFIC Fundamental Analysis - MIDCAP FINANCIAL INVESTMENT

Fundamental Rating

We assign a fundamental rating of 3 out of 10 to MFIC. MFIC was compared to 237 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.

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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.

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 (2.87%) which is in line with its industry peers.

MFIC has a Return On Equity of 7.21%. This is comparable to the rest of the industry: MFIC outperforms 46.41% of its industry peers.

MFIC has a Return On Invested Capital (3.36%) 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 7.61%.

The 3 year average ROIC (3.33%) for MFIC is below the current ROIC(3.36%), indicating increased profibility in the last year.

		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 75.53% of the companies in the same industry.

MFIC's Profit Margin has improved in the last couple of years.

With a decent Operating Margin value of 44.99%, MFIC is doing good in the industry, outperforming 78.90% 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 47.92%, MFIC perfoms like the industry average, outperforming 54.43% 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	44.99%
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%

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ROA

ROE

ROIC

Operating and Profit Margin

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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.

MFIC has a better debt/assets ratio than last year.

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.

MFIC has a Altman-Z score of 0.06. This is in the lower half of the industry: MFIC underperforms 73.42% of its industry peers.

MFIC has a Debt/Equity ratio of 1.49. This is a high value indicating a heavy dependency on external financing.

Looking at the Debt to Equity ratio, with a value of 1.49, MFIC is doing worse than 71.31% of the companies in the same industry.

		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.

With a decent Current ratio value of 2.62, MFIC is doing good in the industry, outperforming 77.64% of the companies in the same industry.

MFIC has a Quick Ratio of 2.62. This indicates that MFIC is financially healthy and has no problem in meeting its short term obligations.

MFIC's Quick ratio of 2.62 is fine compared to the rest of the industry. MFIC outperforms 78.06% of its industry peers.

		Industry Rank	Sector Rank
Current Ratio	2.62
Quick Ratio	2.62

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

MFIC shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -10.11%.

MFIC shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -1.01% yearly.

MFIC shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 16.79%.

The Revenue has been growing slightly by 3.42% on average over the past years.

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

The Earnings Per Share is expected to decrease by -5.75% on average over the next years.

The Revenue is expected to decrease by -0.46% on average over the next years.

EPS Next Y-10.97%

EPS Next 2Y-6.63%

EPS Next 3Y-5.75%

EPS Next 5YN/A

Revenue Next Year6.63%

Revenue Next 2Y1.99%

Revenue Next 3Y-0.46%

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.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 7.56, which indicates a rather cheap valuation of MFIC.

86.08% of the companies in the same industry are more expensive than MFIC, based on the Price/Earnings ratio.

Compared to an average S&P500 Price/Earnings ratio of 27.20, MFIC is valued rather cheaply.

With a Price/Forward Earnings ratio of 8.02, the valuation of MFIC can be described as very reasonable.

MFIC's Price/Forward Earnings ratio is rather cheap when compared to the industry. MFIC is cheaper than 86.92% of the companies in the same industry.

Compared to an average S&P500 Price/Forward Earnings ratio of 22.70, MFIC is valued rather cheaply.

		Industry Rank	Sector Rank
PE	7.56
Fwd PE	8.02

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%

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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 7.96, 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 2.38.

		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

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%

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MIDCAP FINANCIAL INVESTMENT

NASDAQ:MFIC (9/17/2025, 8:00:01 PM)

After market: 12.33 +0.23 (+1.9%)

12.1

-0.03 (-0.25%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupFinancial Services

GICS IndustryCapital Markets

Earnings (Last)08-11 2025-08-11/amc

Earnings (Next)11-05 2025-11-05/amc

Inst Owners31.06%

Inst Owner ChangeN/A

Ins Owners0.78%

Ins Owner Change0%

Market Cap1.13B

Analysts74.29

Price Target14.07 (16.28%)

Short Float %0.77%

Short Ratio1.97

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-Date09-09 2025-09-09 (0.38)

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)-0.3%

PT rev (3m)-1.99%

EPS NQ rev (1m)0%

EPS NQ rev (3m)-5.84%

EPS NY rev (1m)0.74%

EPS NY rev (3m)-1.45%

Revenue NQ rev (1m)1.87%

Revenue NQ rev (3m)-6.78%

Revenue NY rev (1m)0.56%

Revenue NY rev (3m)0.56%

Valuation

		Industry Rank	Sector Rank
PE	7.56
Fwd PE	8.02
P/S	3.48
P/FCF	N/A
P/OCF	N/A
P/B	0.82
P/tB	0.82
EV/EBITDA	N/A

EPS(TTM)1.6

EY13.22%

EPS(NY)1.51

Fwd EY12.46%

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

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%

ROICexcg growth 3Y-1.22%

ROICexcg 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-10.97%

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 Year6.63%

Revenue Next 2Y1.99%

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) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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