PORTMAN RIDGE FINANCE CORP (PTMN) Fundamental Analysis & Valuation

NASDAQ:PTMN • US73688F2011

Current stock price

12.27 USD
+0.17 (+1.4%)
At close:
12.49 USD
+0.22 (+1.79%)
After Hours:

This PTMN fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. PTMN Profitability Analysis

1.1 Basic Checks

  • PTMN had positive earnings in the past year.
  • In the past year PTMN had a positive cash flow from operations.
  • The reported net income has been mixed in the past 5 years: PTMN reported negative net income in multiple years.
  • PTMN had a positive operating cash flow in 4 of the past 5 years.
PTMN Yearly Net Income VS EBIT VS OCF VS FCFPTMN 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 50M 100M

1.2 Ratios

  • With a Return On Assets value of -2.02%, PTMN is not doing good in the industry: 79.58% of the companies in the same industry are doing better.
  • PTMN has a worse Return On Equity (-5.25%) than 77.50% of its industry peers.
  • PTMN has a Return On Invested Capital (3.82%) which is comparable to the rest of the industry.
  • Measured over the past 3 years, the Average Return On Invested Capital for PTMN is below the industry average of 7.25%.
Industry RankSector Rank
ROA -2.02%
ROE -5.25%
ROIC 3.82%
ROA(3y)-0.88%
ROA(5y)1.33%
ROE(3y)-2.35%
ROE(5y)3.37%
ROIC(3y)4.39%
ROIC(5y)4.14%
PTMN Yearly ROA, ROE, ROICPTMN Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 -5 10

1.3 Margins

  • Looking at the Operating Margin, with a value of 37.26%, PTMN is in the better half of the industry, outperforming 66.25% of the companies in the same industry.
  • PTMN's Operating Margin has improved in the last couple of years.
  • PTMN has a Gross Margin (47.40%) which is in line with its industry peers.
  • PTMN's Gross Margin has declined in the last couple of years.
Industry RankSector Rank
OM 37.26%
PM (TTM) N/A
GM 47.4%
OM growth 3Y-9.79%
OM growth 5Y17.74%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-9.14%
GM growth 5Y-3.3%
PTMN Yearly Profit, Operating, Gross MarginsPTMN 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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3

2. PTMN Health Analysis

2.1 Basic Checks

  • The number of shares outstanding for PTMN has been reduced compared to 1 year ago.
  • The number of shares outstanding for PTMN has been increased compared to 5 years ago.
  • PTMN has a better debt/assets ratio than last year.
PTMN Yearly Shares OutstandingPTMN Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M 8M
PTMN Yearly Total Debt VS Total AssetsPTMN Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M

2.2 Solvency

  • PTMN has an Altman-Z score of -1.14. This is a bad value and indicates that PTMN is not financially healthy and even has some risk of bankruptcy.
  • The Altman-Z score of PTMN (-1.14) is worse than 86.67% of its industry peers.
  • The Debt to FCF ratio of PTMN is 6.09, which is on the high side as it means it would take PTMN, 6.09 years of fcf income to pay off all of its debts.
  • PTMN's Debt to FCF ratio of 6.09 is fine compared to the rest of the industry. PTMN outperforms 66.25% of its industry peers.
  • PTMN has a Debt/Equity ratio of 1.54. This is a high value indicating a heavy dependency on external financing.
  • The Debt to Equity ratio of PTMN (1.54) is worse than 72.92% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.54
Debt/FCF 6.09
Altman-Z -1.14
ROIC/WACCN/A
WACCN/A
PTMN Yearly LT Debt VS Equity VS FCFPTMN Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100M 200M 300M

2.3 Liquidity

  • A Current Ratio of 1.26 indicates that PTMN should not have too much problems paying its short term obligations.
  • Looking at the Current ratio, with a value of 1.26, PTMN is in line with its industry, outperforming 56.25% of the companies in the same industry.
  • A Quick Ratio of 1.26 indicates that PTMN should not have too much problems paying its short term obligations.
  • With a Quick ratio value of 1.26, PTMN perfoms like the industry average, outperforming 57.08% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 1.26
Quick Ratio 1.26
PTMN Yearly Current Assets VS Current LiabilitesPTMN Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. PTMN Growth Analysis

3.1 Past

  • PTMN shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -33.53%.
  • PTMN shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 26.58% yearly.
  • PTMN shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -21.53%.
  • The Revenue has been growing by 18.69% on average over the past years. This is quite good.
EPS 1Y (TTM)-33.53%
EPS 3Y-15.64%
EPS 5Y26.58%
EPS Q2Q%-28.57%
Revenue 1Y (TTM)-21.53%
Revenue growth 3Y-7.97%
Revenue growth 5Y18.69%
Sales Q2Q%-22.69%

3.2 Future

  • The Earnings Per Share is expected to decrease by -13.32% on average over the next years. This is quite bad
  • Based on estimates for the next years, PTMN will show a small growth in Revenue. The Revenue will grow by 0.26% on average per year.
EPS Next Y-21.77%
EPS Next 2Y-10.87%
EPS Next 3Y-13.32%
EPS Next 5YN/A
Revenue Next Year-16.75%
Revenue Next 2Y-4.62%
Revenue Next 3Y0.26%
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.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
PTMN Yearly Revenue VS EstimatesPTMN Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 20M 40M 60M 80M
PTMN Yearly EPS VS EstimatesPTMN Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2 4 6

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6

4. PTMN Valuation Analysis

4.1 Price/Earnings Ratio

  • PTMN is valuated cheaply with a Price/Earnings ratio of 5.58.
  • Compared to the rest of the industry, the Price/Earnings ratio of PTMN indicates a rather cheap valuation: PTMN is cheaper than 93.33% of the companies listed in the same industry.
  • When comparing the Price/Earnings ratio of PTMN to the average of the S&P500 Index (25.60), we can say PTMN is valued rather cheaply.
  • With a Price/Forward Earnings ratio of 5.94, the valuation of PTMN can be described as very cheap.
  • Based on the Price/Forward Earnings ratio, PTMN is valued cheaply inside the industry as 95.00% of the companies are valued more expensively.
  • When comparing the Price/Forward Earnings ratio of PTMN to the average of the S&P500 Index (22.84), we can say PTMN is valued rather cheaply.
Industry RankSector Rank
PE 5.58
Fwd PE 5.94
PTMN Price Earnings VS Forward Price EarningsPTMN Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • 85.00% of the companies in the same industry are more expensive than PTMN, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 3.89
EV/EBITDA N/A
PTMN Per share dataPTMN EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8 10

4.3 Compensation for Growth

  • PTMN's earnings are expected to decrease with -13.32% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)0.21
EPS Next 2Y-10.87%
EPS Next 3Y-13.32%

More info and screens

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

5

5. PTMN Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 15.32%, PTMN is a good candidate for dividend investing.
  • PTMN's Dividend Yield is rather good when compared to the industry average which is at 6.85. PTMN pays more dividend than 91.67% of the companies in the same industry.
  • PTMN's Dividend Yield is rather good when compared to the S&P500 average which is at 1.88.
Industry RankSector Rank
Dividend Yield 15.32%

5.2 History

  • The dividend of PTMN decreases each year by -0.97%.
  • PTMN has paid a dividend for at least 10 years, which is a reliable track record.
  • PTMN has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)-0.97%
Div Incr Years4
Div Non Decr Years4
PTMN Yearly Dividends per sharePTMN Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30 40

5.3 Sustainability

  • PTMN has negative earnings and hence a negative payout ratio. The dividend may be in danger.
  • The Dividend Rate of PTMN has been decling, while earnings will also be declining. This means the current dividend is most likely not sustainable.
DP-251.2%
EPS Next 2Y-10.87%
EPS Next 3Y-13.32%
PTMN Yearly Income VS Free CF VS DividendPTMN Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M 100M

More info and screens

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PTMN Fundamentals: All Metrics, Ratios and Statistics

PORTMAN RIDGE FINANCE CORP

NASDAQ:PTMN (8/22/2025, 8:00:02 PM)

After market: 12.49 +0.22 (+1.79%)

12.27

+0.17 (+1.4%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)08-07
Earnings (Next)11-05
Inst Owners10.07%
Inst Owner Change-99.88%
Ins Owners1.52%
Ins Owner Change0%
Market Cap161.84M
Revenue(TTM)54.32M
Net Income(TTM)-8.65M
Analysts80
Price Target15.3 (24.69%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 15.32%
Yearly Dividend2.72
Dividend Growth(5Y)-0.97%
DP-251.2%
Div Incr Years4
Div Non Decr Years4
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-16.06%
Min EPS beat(2)-24.17%
Max EPS beat(2)-7.94%
EPS beat(4)0
Avg EPS beat(4)-12.53%
Min EPS beat(4)-24.17%
Max EPS beat(4)-7.94%
EPS beat(8)1
Avg EPS beat(8)-1.97%
EPS beat(12)4
Avg EPS beat(12)-17.08%
EPS beat(16)5
Avg EPS beat(16)-13.66%
Revenue beat(2)0
Avg Revenue beat(2)-10.78%
Min Revenue beat(2)-15.04%
Max Revenue beat(2)-6.51%
Revenue beat(4)0
Avg Revenue beat(4)-9.15%
Min Revenue beat(4)-15.04%
Max Revenue beat(4)-6.51%
Revenue beat(8)0
Avg Revenue beat(8)-8.08%
Revenue beat(12)4
Avg Revenue beat(12)-3.37%
Revenue beat(16)6
Avg Revenue beat(16)-1.29%
PT rev (1m)-3.23%
PT rev (3m)-11.11%
EPS NQ rev (1m)-2.72%
EPS NQ rev (3m)-22.84%
EPS NY rev (1m)-2.25%
EPS NY rev (3m)-3.83%
Revenue NQ rev (1m)-11.55%
Revenue NQ rev (3m)-19.63%
Revenue NY rev (1m)-5.79%
Revenue NY rev (3m)-10.59%
Valuation
Industry RankSector Rank
PE 5.58
Fwd PE 5.94
P/S 2.98
P/FCF 3.89
P/OCF 3.89
P/B 0.98
P/tB 0.98
EV/EBITDA N/A
EPS(TTM)2.2
EY17.93%
EPS(NY)2.07
Fwd EY16.83%
FCF(TTM)3.16
FCFY25.73%
OCF(TTM)3.16
OCFY25.73%
SpS4.12
BVpS12.49
TBVpS12.49
PEG (NY)N/A
PEG (5Y)0.21
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA -2.02%
ROE -5.25%
ROCE 4.84%
ROIC 3.82%
ROICexc 3.93%
ROICexgc 3.96%
OM 37.26%
PM (TTM) N/A
GM 47.4%
FCFM 76.65%
ROA(3y)-0.88%
ROA(5y)1.33%
ROE(3y)-2.35%
ROE(5y)3.37%
ROIC(3y)4.39%
ROIC(5y)4.14%
ROICexc(3y)4.55%
ROICexc(5y)4.3%
ROICexgc(3y)4.57%
ROICexgc(5y)4.32%
ROCE(3y)5.56%
ROCE(5y)5.25%
ROICexgc growth 3Y-7%
ROICexgc growth 5Y30.78%
ROICexc growth 3Y-6.89%
ROICexc growth 5Y30.8%
OM growth 3Y-9.79%
OM growth 5Y17.74%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-9.14%
GM growth 5Y-3.3%
F-Score4
Asset Turnover0.13
Health
Industry RankSector Rank
Debt/Equity 1.54
Debt/FCF 6.09
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 1.18
Cash Conversion N/A
Profit Quality N/A
Current Ratio 1.26
Quick Ratio 1.26
Altman-Z -1.14
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)-33.53%
EPS 3Y-15.64%
EPS 5Y26.58%
EPS Q2Q%-28.57%
EPS Next Y-21.77%
EPS Next 2Y-10.87%
EPS Next 3Y-13.32%
EPS Next 5YN/A
Revenue 1Y (TTM)-21.53%
Revenue growth 3Y-7.97%
Revenue growth 5Y18.69%
Sales Q2Q%-22.69%
Revenue Next Year-16.75%
Revenue Next 2Y-4.62%
Revenue Next 3Y0.26%
Revenue Next 5YN/A
EBIT growth 1Y-34.79%
EBIT growth 3Y-16.97%
EBIT growth 5Y39.75%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-16.4%
FCF growth 3Y-2.5%
FCF growth 5YN/A
OCF growth 1Y-16.4%
OCF growth 3Y-2.5%
OCF growth 5YN/A

PORTMAN RIDGE FINANCE CORP / PTMN Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for PORTMAN RIDGE FINANCE CORP?

ChartMill assigns a fundamental rating of 4 / 10 to PTMN.


Can you provide the valuation status for PORTMAN RIDGE FINANCE CORP?

ChartMill assigns a valuation rating of 6 / 10 to PORTMAN RIDGE FINANCE CORP (PTMN). This can be considered as Fairly Valued.


Can you provide the profitability details for PORTMAN RIDGE FINANCE CORP?

PORTMAN RIDGE FINANCE CORP (PTMN) has a profitability rating of 3 / 10.


What is the financial health of PORTMAN RIDGE FINANCE CORP (PTMN) stock?

The financial health rating of PORTMAN RIDGE FINANCE CORP (PTMN) is 3 / 10.


Is the dividend of PORTMAN RIDGE FINANCE CORP sustainable?

The dividend rating of PORTMAN RIDGE FINANCE CORP (PTMN) is 5 / 10 and the dividend payout ratio is -251.2%.