RAND Fundamental Analysis - RAND CAPITAL CORP

Fundamental Rating

We assign a fundamental rating of 5 out of 10 to RAND. RAND was compared to 237 industry peers in the Capital Markets industry. While RAND has a great health rating, its profitability is only average at the moment. RAND is valued correctly, but it does not seem to be growing.

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1. Profitability

1.1 Basic Checks

RAND had positive earnings in the past year.

RAND had a positive operating cash flow in the past year.

Of the past 5 years RAND 4 years were profitable.

In multiple years RAND reported negative operating cash flow during the last 5 years.

1.2 Ratios

Looking at the Return On Assets, with a value of -12.49%, RAND is doing worse than 84.81% of the companies in the same industry.

RAND has a Return On Equity of -12.70%. This is in the lower half of the industry: RAND underperforms 79.75% of its industry peers.

The Return On Invested Capital of RAND (11.26%) is better than 86.50% of its industry peers.

The Average Return On Invested Capital over the past 3 years for RAND is below the industry average of 7.61%.

The 3 year average ROIC (5.25%) for RAND is below the current ROIC(11.26%), indicating increased profibility in the last year.

		Industry Rank	Sector Rank
ROA	-12.49%
ROE	-12.7%
ROIC	11.26%

ROA(3y)6.28%

ROA(5y)8.83%

ROE(3y)7.57%

ROE(5y)10.07%

ROIC(3y)5.25%

ROIC(5y)N/A

1.3 Margins

In the last couple of years the Profit Margin of RAND has declined.

RAND has a better Operating Margin (88.84%) than 99.58% of its industry peers.

RAND has a Gross Margin of 78.37%. This is amongst the best in the industry. RAND outperforms 83.97% of its industry peers.

In the last couple of years the Gross Margin of RAND has declined.

		Industry Rank	Sector Rank
OM	88.84%
PM (TTM)	N/A
GM	78.37%

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-35.66%

PM growth 5YN/A

GM growth 3Y3.68%

GM growth 5Y-2.83%

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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, RAND has about the same amount of shares outstanding.

The number of shares outstanding for RAND has been reduced compared to 5 years ago.

Compared to 1 year ago, RAND has an improved debt to assets ratio.

2.2 Solvency

RAND has an Altman-Z score of 28.89. This indicates that RAND is financially healthy and has little risk of bankruptcy at the moment.

The Altman-Z score of RAND (28.89) is better than 98.31% of its industry peers.

RAND has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.

		Industry Rank	Sector Rank
Debt/Equity	0
Debt/FCF	0
Altman-Z	28.89

ROIC/WACCN/A

WACCN/A

2.3 Liquidity

RAND has a Current Ratio of 9.33. This indicates that RAND is financially healthy and has no problem in meeting its short term obligations.

The Current ratio of RAND (9.33) is better than 93.67% of its industry peers.

A Quick Ratio of 9.33 indicates that RAND has no problem at all paying its short term obligations.

The Quick ratio of RAND (9.33) is better than 93.67% of its industry peers.

		Industry Rank	Sector Rank
Current Ratio	9.33
Quick Ratio	9.33

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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

The Earnings Per Share has grown by an nice 9.33% over the past year.

The earnings per share for RAND have been decreasing by -17.63% on average. This is quite bad

RAND shows a small growth in Revenue. In the last year, the Revenue has grown by 1.18%.

The Revenue has been growing by 25.77% on average over the past years. This is a very strong growth!

EPS 1Y (TTM)9.33%

EPS 3Y-17.63%

EPS 5YN/A

EPS Q2Q%-25%

Revenue 1Y (TTM)1.18%

Revenue growth 3Y28.01%

Revenue growth 5Y25.77%

Sales Q2Q%-25.23%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.

No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.

EPS Next YN/A

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next YearN/A

Revenue Next 2YN/A

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.

No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.

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4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 8.96, the valuation of RAND can be described as reasonable.

Compared to the rest of the industry, the Price/Earnings ratio of RAND indicates a somewhat cheap valuation: RAND is cheaper than 78.48% of the companies listed in the same industry.

RAND's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.38.

		Industry Rank	Sector Rank
PE	8.96
Fwd PE	N/A

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, RAND is valued cheaply inside the industry as 93.67% of the companies are valued more expensively.

		Industry Rank	Sector Rank
P/FCF	1.82
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)N/A

EPS Next 2YN/A

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 6.17%, RAND is a good candidate for dividend investing.

RAND's Dividend Yield is comparable with the industry average which is at 7.96.

Compared to an average S&P500 Dividend Yield of 2.38, RAND pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	6.17%

5.2 History

RAND has been paying a dividend for over 5 years, so it has already some track record.

RAND has not decreased its dividend in the last 3 years.

Dividend Growth(5Y)N/A

Div Incr Years3

Div Non Decr Years3

5.3 Sustainability

RAND has negative earnings and hence a negative payout ratio. The dividend may be in danger.

DP-64.5%

EPS Next 2YN/A

EPS Next 3YN/A

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RAND CAPITAL CORP

NASDAQ:RAND (9/19/2025, 8:00:01 PM)

After market: 15.2 +0.5 (+3.4%)

14.7

-0.05 (-0.34%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupFinancial Services

GICS IndustryCapital Markets

Earnings (Last)08-04 2025-08-04/bmo

Earnings (Next)11-04 2025-11-04

Inst Owners2.21%

Inst Owner Change-15.31%

Ins Owners3.98%

Ins Owner Change0%

Market Cap43.66M

Analysts0

Price TargetN/A

Short Float %0.18%

Short Ratio0.24

Dividend

		Industry Rank	Sector Rank
Dividend Yield	6.17%

Yearly Dividend0.83

Dividend Growth(5Y)N/A

DP-64.5%

Div Incr Years3

Div Non Decr Years3

Ex-Date08-29 2025-08-29 (0.29)

Surprises & Revisions

EPS beat(2)N/A

Avg EPS beat(2)N/A

Min EPS beat(2)N/A

Max EPS beat(2)N/A

EPS beat(4)N/A

Avg EPS beat(4)N/A

Min EPS beat(4)N/A

Max EPS beat(4)N/A

EPS beat(8)N/A

Avg EPS beat(8)N/A

EPS beat(12)N/A

Avg EPS beat(12)N/A

EPS beat(16)N/A

Avg EPS beat(16)N/A

Revenue beat(2)N/A

Avg Revenue beat(2)N/A

Min Revenue beat(2)N/A

Max Revenue beat(2)N/A

Revenue beat(4)N/A

Avg Revenue beat(4)N/A

Min Revenue beat(4)N/A

Max Revenue beat(4)N/A

Revenue beat(8)N/A

Avg Revenue beat(8)N/A

Revenue beat(12)N/A

Avg Revenue beat(12)N/A

Revenue beat(16)N/A

Avg Revenue beat(16)N/A

PT rev (1m)N/A

PT rev (3m)N/A

EPS NQ rev (1m)N/A

EPS NQ rev (3m)N/A

EPS NY rev (1m)N/A

EPS NY rev (3m)N/A

Revenue NQ rev (1m)N/A

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)N/A

Revenue NY rev (3m)N/A

Valuation

		Industry Rank	Sector Rank
PE	8.96
Fwd PE	N/A
P/S	5.48
P/FCF	1.82
P/OCF	1.82
P/B	0.77
P/tB	0.77
EV/EBITDA	N/A

EPS(TTM)1.64

EY11.16%

EPS(NY)N/A

Fwd EYN/A

FCF(TTM)8.07

FCFY54.9%

OCF(TTM)8.07

OCFY54.9%

SpS2.68

BVpS19.1

TBVpS19.1

PEG (NY)N/A

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	-12.49%
ROE	-12.7%
ROCE	12.4%
ROIC	11.26%
ROICexc	11.26%
ROICexgc	11.26%
OM	88.84%
PM (TTM)	N/A
GM	78.37%
FCFM	300.88%

ROA(3y)6.28%

ROA(5y)8.83%

ROE(3y)7.57%

ROE(5y)10.07%

ROIC(3y)5.25%

ROIC(5y)N/A

ROICexc(3y)5.38%

ROICexc(5y)N/A

ROICexgc(3y)5.38%

ROICexgc(5y)N/A

ROCE(3y)5.78%

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-35.66%

PM growth 5YN/A

GM growth 3Y3.68%

GM growth 5Y-2.83%

F-Score6

Asset Turnover0.14

Health

		Industry Rank	Sector Rank
Debt/Equity	0
Debt/FCF	0
Debt/EBITDA	N/A
Cap/Depr	N/A
Cap/Sales	N/A
Interest Coverage	16.52
Cash Conversion	N/A
Profit Quality	N/A
Current Ratio	9.33
Quick Ratio	9.33
Altman-Z	28.89

F-Score6

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)9.33%

EPS 3Y-17.63%

EPS 5YN/A

EPS Q2Q%-25%

EPS Next YN/A

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)1.18%

Revenue growth 3Y28.01%

Revenue growth 5Y25.77%

Sales Q2Q%-25.23%

Revenue Next YearN/A

Revenue Next 2YN/A

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1Y226.63%

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y2987.78%

FCF growth 3YN/A

FCF growth 5Y26.46%

OCF growth 1Y2987.78%

OCF growth 3YN/A

OCF growth 5Y26.46%

RAND CAPITAL CORP (RAND) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

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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

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5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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