PORTMAN RIDGE FINANCE CORP (PTMN)
US73688F2011 - Common Stock
Overall PTMN gets a fundamental rating of 4 out of 10. We evaluated PTMN against 219 industry peers in the Capital Markets industry. PTMN has an average financial health and profitability rating. PTMN has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
PTMN had positive earnings in the past year.
PTMN had a positive operating cash flow in the past year.
The reported net income has been mixed in the past 5 years: PTMN reported negative net income in multiple years.
In multiple years PTMN reported negative operating cash flow during the last 5 years.
1.2 Ratios
With a Return On Assets value of 0.78%, PTMN is not doing good in the industry: 72.43% of the companies in the same industry are doing better.
With a Return On Equity value of 1.92%, PTMN is not doing good in the industry: 74.77% of the companies in the same industry are doing better.
PTMN's Return On Invested Capital of 5.18% is fine compared to the rest of the industry. PTMN outperforms 66.82% of its industry peers.
PTMN had an Average Return On Invested Capital over the past 3 years of 4.72%. This is in line with the industry average of 6.63%.
The 3 year average ROIC (4.72%) for PTMN is below the current ROIC(5.18%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.78% | ||
| ROE | 1.92% | ||
| ROIC | 5.18% |
ROA(3y)0.9%
ROA(5y)0.79%
ROE(3y)1.86%
ROE(5y)2.39%
ROIC(3y)4.72%
ROIC(5y)3.52%
1.3 Margins
With a Profit Margin value of 5.47%, PTMN is not doing good in the industry: 69.63% of the companies in the same industry are doing better.
In the last couple of years the Profit Margin of PTMN has declined.
With a decent Operating Margin value of 45.07%, PTMN is doing good in the industry, outperforming 76.17% of the companies in the same industry.
PTMN's Operating Margin has improved in the last couple of years.
With a Gross Margin value of 54.17%, PTMN perfoms like the industry average, outperforming 57.01% of the companies in the same industry.
PTMN's Gross Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 45.07% | ||
| PM (TTM) | 5.47% | ||
| GM | 54.17% |
OM growth 3Y4.65%
OM growth 5Y4.28%
PM growth 3Y-41.33%
PM growth 5YN/A
GM growth 3Y-0.5%
GM growth 5Y-5.63%
2. Health
2.1 Basic Checks
PTMN has less shares outstanding than it did 1 year ago.
PTMN has more shares outstanding than it did 5 years ago.
The debt/assets ratio for PTMN has been reduced compared to a year ago.
2.2 Solvency
PTMN has an Altman-Z score of -0.90. This is a bad value and indicates that PTMN is not financially healthy and even has some risk of bankruptcy.
PTMN's Altman-Z score of -0.90 is on the low side compared to the rest of the industry. PTMN is outperformed by 92.06% of its industry peers.
PTMN has a debt to FCF ratio of 3.38. This is a good value and a sign of high solvency as PTMN would need 3.38 years to pay back of all of its debts.
PTMN's Debt to FCF ratio of 3.38 is fine compared to the rest of the industry. PTMN outperforms 69.16% of its industry peers.
PTMN has a Debt/Equity ratio of 1.41. This is a high value indicating a heavy dependency on external financing.
PTMN's Debt to Equity ratio of 1.41 is on the low side compared to the rest of the industry. PTMN is outperformed by 68.22% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.41 | ||
| Debt/FCF | 3.38 | ||
| Altman-Z | -0.9 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
A Current Ratio of 1.42 indicates that PTMN should not have too much problems paying its short term obligations.
Looking at the Current ratio, with a value of 1.42, PTMN is in the better half of the industry, outperforming 61.22% of the companies in the same industry.
PTMN has a Quick Ratio of 1.42. This is a normal value and indicates that PTMN is financially healthy and should not expect problems in meeting its short term obligations.
Looking at the Quick ratio, with a value of 1.42, PTMN is in the better half of the industry, outperforming 61.22% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.42 | ||
| Quick Ratio | 1.42 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 120.00% over the past year.
The Earnings Per Share has been growing slightly by 6.27% on average over the past years.
The Revenue for PTMN has decreased by -14.68% in the past year. This is quite bad
PTMN shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 23.02% yearly.
EPS 1Y (TTM)120%
EPS 3Y12.07%
EPS 5Y6.27%
EPS Q2Q%-16%
Revenue 1Y (TTM)-14.68%
Revenue growth 3Y21.3%
Revenue growth 5Y23.02%
Sales Q2Q%-18.29%
3.2 Future
PTMN is expected to show a very negative growth in Earnings Per Share. In the coming years, the EPS will decrease by -12.43% yearly.
PTMN is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -9.40% yearly.
EPS Next Y-26.61%
EPS Next 2Y-14.66%
EPS Next 3Y-12.43%
EPS Next 5YN/A
Revenue Next Year-17.94%
Revenue Next 2Y-10.81%
Revenue Next 3Y-9.4%
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
A Price/Earnings ratio of 5.14 indicates a rather cheap valuation of PTMN.
93.46% of the companies in the same industry are more expensive than PTMN, based on the Price/Earnings ratio.
Compared to an average S&P500 Price/Earnings ratio of 27.41, PTMN is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 6.15, the valuation of PTMN can be described as very cheap.
Based on the Price/Forward Earnings ratio, PTMN is valued cheaper than 93.93% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.69, PTMN is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.14 | ||
| Fwd PE | 6.15 |
4.2 Price Multiples
95.33% of the companies in the same industry are more expensive than PTMN, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.93 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PTMN's earnings are expected to decrease with -12.43% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)0.82
EPS Next 2Y-14.66%
EPS Next 3Y-12.43%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 16.83%, PTMN is a good candidate for dividend investing.
PTMN's Dividend Yield is rather good when compared to the industry average which is at 9.65. PTMN pays more dividend than 92.52% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.33, PTMN pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 16.83% |
5.2 History
The dividend of PTMN decreases each year by -7.43%.
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)-7.43%
Div Incr Years4
Div Non Decr Years4
5.3 Sustainability
PTMN pays out 706.33% of its income as dividend. This is not a sustainable payout ratio.
PTMN's earnings and Dividend Rate are declining. This means the current dividend is most likely not sustainable.
DP706.33%
EPS Next 2Y-14.66%
EPS Next 3Y-12.43%
PORTMAN RIDGE FINANCE CORP
NASDAQ:PTMN (1/3/2025, 8:00:01 PM)
After market: 16.4 0 (0%)16.4
0 (0%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)
Earnings (Next)
Inst Owners22.74%
Inst Owner Change-19.69%
Ins Owners2.31%
Ins Owner Change0%
Market Cap151.04M
Analysts80
Price Target18.7 (14.02%)
Short Float %0.39%
Short Ratio0.58
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 16.83% |
Dividend Growth(5Y)-7.43%
DP706.33%
Div Incr Years4
Div Non Decr Years4
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-4.46%
Min EPS beat(2)-8.86%
Max EPS beat(2)-0.06%
EPS beat(4)1
Avg EPS beat(4)7.81%
Min EPS beat(4)-8.86%
Max EPS beat(4)48.37%
EPS beat(8)3
Avg EPS beat(8)-23.5%
EPS beat(12)4
Avg EPS beat(12)-15.47%
EPS beat(16)8
Avg EPS beat(16)0.14%
Revenue beat(2)0
Avg Revenue beat(2)-7.75%
Min Revenue beat(2)-8.47%
Max Revenue beat(2)-7.03%
Revenue beat(4)0
Avg Revenue beat(4)-8.12%
Min Revenue beat(4)-8.54%
Max Revenue beat(4)-7.03%
Revenue beat(8)3
Avg Revenue beat(8)-3.18%
Revenue beat(12)5
Avg Revenue beat(12)-1.68%
Revenue beat(16)9
Avg Revenue beat(16)7.44%
PT rev (1m)0%
PT rev (3m)-6.78%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-5.36%
EPS NY rev (1m)0%
EPS NY rev (3m)-3%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-10.73%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-3.22%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.14 | ||
| Fwd PE | 6.15 | ||
| P/S | 2.29 | ||
| P/FCF | 1.93 | ||
| P/OCF | 1.93 | ||
| P/B | 0.8 | ||
| P/tB | 0.8 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.19
EY19.45%
EPS(NY)2.67
Fwd EY16.25%
FCF(TTM)8.5
FCFY51.84%
OCF(TTM)8.5
OCFY51.84%
SpS7.15
BVpS20.41
TBVpS20.41
PEG (NY)N/A
PEG (5Y)0.82
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.78% | ||
| ROE | 1.92% | ||
| ROCE | 6.55% | ||
| ROIC | 5.18% | ||
| ROICexc | 5.34% | ||
| ROICexgc | 5.35% | ||
| OM | 45.07% | ||
| PM (TTM) | 5.47% | ||
| GM | 54.17% | ||
| FCFM | 118.96% |
ROA(3y)0.9%
ROA(5y)0.79%
ROE(3y)1.86%
ROE(5y)2.39%
ROIC(3y)4.72%
ROIC(5y)3.52%
ROICexc(3y)4.91%
ROICexc(5y)3.64%
ROICexgc(3y)4.93%
ROICexgc(5y)3.65%
ROCE(3y)5.98%
ROCE(5y)4.46%
ROICexcg growth 3Y33.01%
ROICexcg growth 5Y11.62%
ROICexc growth 3Y32.87%
ROICexc growth 5Y11.55%
OM growth 3Y4.65%
OM growth 5Y4.28%
PM growth 3Y-41.33%
PM growth 5YN/A
GM growth 3Y-0.5%
GM growth 5Y-5.63%
F-Score9
Asset Turnover0.14
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.41 | ||
| Debt/FCF | 3.38 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 1.38 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 2175.19% | ||
| Current Ratio | 1.42 | ||
| Quick Ratio | 1.42 | ||
| Altman-Z | -0.9 |
F-Score9
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)120%
EPS 3Y12.07%
EPS 5Y6.27%
EPS Q2Q%-16%
EPS Next Y-26.61%
EPS Next 2Y-14.66%
EPS Next 3Y-12.43%
EPS Next 5YN/A
Revenue 1Y (TTM)-14.68%
Revenue growth 3Y21.3%
Revenue growth 5Y23.02%
Sales Q2Q%-18.29%
Revenue Next Year-17.94%
Revenue Next 2Y-10.81%
Revenue Next 3Y-9.4%
Revenue Next 5YN/A
EBIT growth 1Y-3.33%
EBIT growth 3Y26.94%
EBIT growth 5Y28.28%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y769.29%
FCF growth 3Y-0.22%
FCF growth 5Y37.95%
OCF growth 1Y769.29%
OCF growth 3Y-0.22%
OCF growth 5Y37.95%