PORTMAN RIDGE FINANCE CORP (PTMN) Stock Fundamental Analysis
NASDAQ:PTMN - Nasdaq - US73688F2011 - Common Stock - Currency: USD
We assign a fundamental rating of 3 out of 10 to PTMN. PTMN was compared to 233 industry peers in the Capital Markets industry. Both the profitability and financial health of PTMN have multiple concerns. PTMN is valued correctly, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
In the past year PTMN was profitable.
PTMN had a positive operating cash flow in the past year.
In multiple years PTMN reported negative net income over the last 5 years.
Of the past 5 years PTMN 4 years had a positive operating cash flow.
1.2 Ratios
PTMN's Return On Assets of -2.39% is on the low side compared to the rest of the industry. PTMN is outperformed by 79.83% of its industry peers.
PTMN's Return On Equity of -6.05% is on the low side compared to the rest of the industry. PTMN is outperformed by 78.11% of its industry peers.
With a Return On Invested Capital value of 4.10%, PTMN perfoms like the industry average, outperforming 51.93% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for PTMN is below the industry average of 7.84%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -2.39% | ||
| ROE | -6.05% | ||
| ROIC | 4.1% |
ROA(3y)-0.88%
ROA(5y)1.33%
ROE(3y)-2.35%
ROE(5y)3.37%
ROIC(3y)4.39%
ROIC(5y)4.14%
1.3 Margins
PTMN's Operating Margin of 38.19% is fine compared to the rest of the industry. PTMN outperforms 66.95% of its industry peers.
In the last couple of years the Operating Margin of PTMN has grown nicely.
The Gross Margin of PTMN (47.70%) is comparable to the rest of the industry.
In the last couple of years the Gross Margin of PTMN has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 38.19% | ||
| PM (TTM) | N/A | ||
| GM | 47.7% |
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%
2. Health
2.1 Basic Checks
PTMN has less shares outstanding than it did 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.
2.2 Solvency
PTMN has an Altman-Z score of -1.17. This is a bad value and indicates that PTMN is not financially healthy and even has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of -1.17, PTMN is doing worse than 89.70% of the companies in the same industry.
PTMN has a debt to FCF ratio of 5.30. This is a neutral value as PTMN would need 5.30 years to pay back of all of its debts.
PTMN has a Debt to FCF ratio of 5.30. This is in the better half of the industry: PTMN outperforms 66.09% of its industry peers.
A Debt/Equity ratio of 1.46 is on the high side and indicates that PTMN has dependencies on debt financing.
PTMN's Debt to Equity ratio of 1.46 is on the low side compared to the rest of the industry. PTMN is outperformed by 69.96% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.46 | ||
| Debt/FCF | 5.3 | ||
| Altman-Z | -1.17 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
PTMN has a Current Ratio of 0.88. This is a bad value and indicates that PTMN is not financially healthy enough and could expect problems in meeting its short term obligations.
PTMN has a Current ratio of 0.88. This is in the lower half of the industry: PTMN underperforms 63.09% of its industry peers.
PTMN has a Quick Ratio of 0.88. This is a bad value and indicates that PTMN is not financially healthy enough and could expect problems in meeting its short term obligations.
PTMN's Quick ratio of 0.88 is on the low side compared to the rest of the industry. PTMN is outperformed by 62.66% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.88 | ||
| Quick Ratio | 0.88 |
3. Growth
3.1 Past
The earnings per share for PTMN have decreased strongly by -30.23% in the last year.
Measured over the past years, PTMN shows a very strong growth in Earnings Per Share. The EPS has been growing by 26.58% on average per year.
PTMN shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -19.98%.
PTMN shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 18.69% yearly.
EPS 1Y (TTM)-30.23%
EPS 3Y-15.64%
EPS 5Y26.58%
EPS Q2Q%-29.85%
Revenue 1Y (TTM)-19.98%
Revenue growth 3Y-7.97%
Revenue growth 5Y18.69%
Sales Q2Q%-26.67%
3.2 Future
Based on estimates for the next years, PTMN will show a decrease in Earnings Per Share. The EPS will decrease by -9.30% on average per year.
PTMN is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -0.41% yearly.
EPS Next Y-19.97%
EPS Next 2Y-9.3%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-11.61%
Revenue Next 2Y-0.41%
Revenue Next 3YN/A
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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 5.22, which indicates a rather cheap valuation of PTMN.
Based on the Price/Earnings ratio, PTMN is valued cheaper than 93.99% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.45, PTMN is valued rather cheaply.
PTMN is valuated cheaply with a Price/Forward Earnings ratio of 5.86.
PTMN's Price/Forward Earnings ratio is rather cheap when compared to the industry. PTMN is cheaper than 96.14% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 21.90, PTMN is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.23 | ||
| Fwd PE | 5.86 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, PTMN is valued cheaper than 88.84% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.41 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
A cheap valuation may be justified as PTMN's earnings are expected to decrease with -9.30% in the coming years.
PEG (NY)N/A
PEG (5Y)0.2
EPS Next 2Y-9.3%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 14.99%, PTMN is a good candidate for dividend investing.
PTMN's Dividend Yield is rather good when compared to the industry average which is at 8.15. PTMN pays more dividend than 92.27% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.38, PTMN pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 14.99% |
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
5.3 Sustainability
The earnings of PTMN are negative and hence is the payout ratio. PTMN will probably not be able to sustain this dividend level.
PTMN's earnings and Dividend Rate are declining. This means the current dividend is most likely not sustainable.
DP-287.14%
EPS Next 2Y-9.3%
EPS Next 3YN/A
NASDAQ:PTMN (7/3/2025, 8:02:03 PM)
12.54
-0.01 (-0.08%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)
Earnings (Next)
Inst Owners15.07%
Inst Owner Change-15.69%
Ins Owners2.15%
Ins Owner Change0.28%
Market Cap115.37M
Analysts80
Price Target15.81 (26.08%)
Short Float %3.02%
Short Ratio5.83
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 14.99% |
Yearly Dividend2.72
Dividend Growth(5Y)-0.97%
DP-287.14%
Div Incr Years4
Div Non Decr Years4
Ex-Date
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-16.66%
Min EPS beat(2)-24.17%
Max EPS beat(2)-9.15%
EPS beat(4)0
Avg EPS beat(4)-10.56%
Min EPS beat(4)-24.17%
Max EPS beat(4)-0.06%
EPS beat(8)2
Avg EPS beat(8)-0.49%
EPS beat(12)4
Avg EPS beat(12)-18.07%
EPS beat(16)6
Avg EPS beat(16)-7.98%
Revenue beat(2)0
Avg Revenue beat(2)-10.8%
Min Revenue beat(2)-15.04%
Max Revenue beat(2)-6.57%
Revenue beat(4)0
Avg Revenue beat(4)-9.28%
Min Revenue beat(4)-15.04%
Max Revenue beat(4)-6.57%
Revenue beat(8)1
Avg Revenue beat(8)-6.97%
Revenue beat(12)4
Avg Revenue beat(12)-3.46%
Revenue beat(16)7
Avg Revenue beat(16)0.88%
PT rev (1m)-8.15%
PT rev (3m)-10.79%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-11.84%
EPS NY rev (1m)-1.61%
EPS NY rev (3m)-15.9%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-10.94%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-7.08%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.23 | ||
| Fwd PE | 5.86 | ||
| P/S | 1.99 | ||
| P/FCF | 2.41 | ||
| P/OCF | 2.41 | ||
| P/B | 0.66 | ||
| P/tB | 0.66 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.4
EY19.14%
EPS(NY)2.14
Fwd EY17.06%
FCF(TTM)5.2
FCFY41.43%
OCF(TTM)5.2
OCFY41.43%
SpS6.31
BVpS18.86
TBVpS18.86
PEG (NY)N/A
PEG (5Y)0.2
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -2.39% | ||
| ROE | -6.05% | ||
| ROCE | 5.19% | ||
| ROIC | 4.1% | ||
| ROICexc | 4.19% | ||
| ROICexgc | 4.22% | ||
| OM | 38.19% | ||
| PM (TTM) | N/A | ||
| GM | 47.7% | ||
| FCFM | 82.38% |
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%
ROICexcg growth 3Y-7%
ROICexcg 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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.46 | ||
| Debt/FCF | 5.3 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 1.21 | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | 0.88 | ||
| Quick Ratio | 0.88 | ||
| Altman-Z | -1.17 |
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)-30.23%
EPS 3Y-15.64%
EPS 5Y26.58%
EPS Q2Q%-29.85%
EPS Next Y-19.97%
EPS Next 2Y-9.3%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-19.98%
Revenue growth 3Y-7.97%
Revenue growth 5Y18.69%
Sales Q2Q%-26.67%
Revenue Next Year-11.61%
Revenue Next 2Y-0.41%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-31.78%
EBIT growth 3Y-16.97%
EBIT growth 5Y39.75%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y431.95%
FCF growth 3Y-2.5%
FCF growth 5YN/A
OCF growth 1Y431.95%
OCF growth 3Y-2.5%
OCF growth 5YN/A