MIDCAP FINANCIAL INVESTMENT (MFIC) Stock Fundamental Analysis
USA - NASDAQ:MFIC - US03761U5020 - Common Stock
11.89 USD
-0.14 (-1.16%)
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 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.
MFIC had positive earnings in 4 of the past 5 years.
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.
Looking at the Return On Equity, with a value of 7.21%, MFIC is in line with its industry, outperforming 45.57% of the companies in the same industry.
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 7.66%.
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
The Profit Margin of MFIC (30.60%) is better than 75.95% of its industry peers.
MFIC's Profit Margin has improved in the last couple of years.
MFIC's Operating Margin of 44.99% is fine compared to the rest of the industry. MFIC outperforms 79.75% of its industry peers.
MFIC's Operating Margin has declined in the last couple of years.
The Gross Margin of MFIC (47.92%) is comparable to the rest of the industry.
MFIC's Gross Margin has declined in the last couple of years.
| 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
MFIC has more shares outstanding than it did 1 year ago.
MFIC has more shares outstanding than it did 5 years ago.
The debt/assets ratio for MFIC has been reduced compared to a year ago.
2.2 Solvency
MFIC has an Altman-Z score of 0.06. This is a bad value and indicates that MFIC is not financially healthy and even has some risk of bankruptcy.
The Altman-Z score of MFIC (0.06) is worse than 74.68% 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.
MFIC has a worse Debt to Equity ratio (1.49) than 71.31% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.49 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 0.06 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
A Current Ratio of 2.62 indicates that MFIC has no problem at all paying its short term obligations.
With a decent Current ratio value of 2.62, MFIC is doing good in the industry, outperforming 78.06% 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 has a Quick ratio of 2.62. This is in the better half of the industry: MFIC outperforms 78.48% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.62 | ||
| Quick Ratio | 2.62 |
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 9.13%.
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)9.13%
Revenue growth 3Y11.67%
Revenue growth 5Y3.42%
Sales Q2Q%16.77%
3.2 Future
Based on estimates for the next years, MFIC will show a decrease in Earnings Per Share. The EPS will decrease by -5.90% on average per year.
MFIC is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -0.46% yearly.
EPS Next Y-10.68%
EPS Next 2Y-6.67%
EPS Next 3Y-5.9%
EPS Next 5YN/A
Revenue Next Year6.5%
Revenue Next 2Y1.53%
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.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
MFIC is valuated cheaply with a Price/Earnings ratio of 7.72.
MFIC's Price/Earnings ratio is rather cheap when compared to the industry. MFIC is cheaper than 81.86% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.28, MFIC is valued rather cheaply.
With a Price/Forward Earnings ratio of 7.89, the valuation of MFIC can be described as very cheap.
MFIC's Price/Forward Earnings ratio is rather cheap when compared to the industry. MFIC is cheaper than 83.12% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of MFIC to the average of the S&P500 Index (33.61), we can say MFIC is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.72 | ||
| Fwd PE | 7.89 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
A cheap valuation may be justified as MFIC's earnings are expected to decrease with -5.90% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-6.67%
EPS Next 3Y-5.9%
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 8.47, 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 2.36.
| 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.
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 162.39% of its income as dividend. 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-6.67%
EPS Next 3Y-5.9%
NASDAQ:MFIC (11/10/2025, 6:27:02 PM)
11.89
-0.14 (-1.16%)
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 Cap1.11B
Revenue(TTM)301.78M
Net Income(TTM)99.22M
Analysts75.71
Price Target13.8 (16.06%)
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)-1.89%
PT rev (3m)-3.84%
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)-0.56%
Revenue NQ rev (3m)1.31%
Revenue NY rev (1m)-0.13%
Revenue NY rev (3m)0.43%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.72 | ||
| Fwd PE | 7.89 | ||
| P/S | 3.42 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.81 | ||
| P/tB | 0.81 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.54
EY12.95%
EPS(NY)1.51
Fwd EY12.67%
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 Number22.61
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)-13.97%
EPS 3Y0.98%
EPS 5Y-1.01%
EPS Q2Q%-13.64%
EPS Next Y-10.68%
EPS Next 2Y-6.67%
EPS Next 3Y-5.9%
EPS Next 5YN/A
Revenue 1Y (TTM)9.13%
Revenue growth 3Y11.67%
Revenue growth 5Y3.42%
Sales Q2Q%16.77%
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 7.72 and the Price/Book (PB) ratio is 0.81.
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%.