TIMBERCREEK FINA (TF-DB-D.CA) Stock Fundamental Analysis
TSX:TF-DB-D - Toronto Stock Exchange - CA88709BAE44 - Currency: CAD
Overall TF-DB-D gets a fundamental rating of 3 out of 10. We evaluated TF-DB-D against 32 industry peers in the Financial Services industry. TF-DB-D may be in some trouble as it scores bad on both profitability and health. TF-DB-D is valued expensive and it does not seem to be growing.
1. Profitability
1.1 Basic Checks
TF-DB-D had positive earnings in the past year.
In the past year TF-DB-D has reported a negative cash flow from operations.
TF-DB-D had positive earnings in each of the past 5 years.
Of the past 5 years TF-DB-D 4 years had a positive operating cash flow.
1.2 Ratios
Looking at the Return On Assets, with a value of 2.66%, TF-DB-D is in line with its industry, outperforming 46.88% of the companies in the same industry.
With a Return On Equity value of 6.72%, TF-DB-D is not doing good in the industry: 65.63% of the companies in the same industry are doing better.
TF-DB-D has a worse Return On Invested Capital (3.16%) than 78.13% of its industry peers.
TF-DB-D had an Average Return On Invested Capital over the past 3 years of 3.56%. This is below the industry average of 5.84%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.66% | ||
| ROE | 6.72% | ||
| ROIC | 3.16% |
ROA(3y)3.1%
ROA(5y)2.71%
ROE(3y)8.07%
ROE(5y)6.98%
ROIC(3y)3.56%
ROIC(5y)3.44%
1.3 Margins
The Profit Margin of TF-DB-D (28.60%) is comparable to the rest of the industry.
TF-DB-D's Profit Margin has declined in the last couple of years.
With a Operating Margin value of 46.66%, TF-DB-D perfoms like the industry average, outperforming 56.25% of the companies in the same industry.
TF-DB-D's Operating Margin has declined in the last couple of years.
TF-DB-D has a Gross Margin of 75.44%. This is amongst the best in the industry. TF-DB-D outperforms 90.63% of its industry peers.
In the last couple of years the Gross Margin of TF-DB-D has remained more or less at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 46.66% | ||
| PM (TTM) | 28.6% | ||
| GM | 75.44% |
OM growth 3Y-10.36%
OM growth 5Y-6.93%
PM growth 3Y-6.9%
PM growth 5Y-7.84%
GM growth 3Y-1.7%
GM growth 5Y-1.17%
2. Health
2.1 Basic Checks
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), TF-DB-D is destroying value.
Compared to 1 year ago, TF-DB-D has about the same amount of shares outstanding.
Compared to 5 years ago, TF-DB-D has less shares outstanding
Compared to 1 year ago, TF-DB-D has an improved debt to assets ratio.
2.2 Solvency
TF-DB-D has an Altman-Z score of 4.79. This indicates that TF-DB-D is financially healthy and has little risk of bankruptcy at the moment.
TF-DB-D has a Altman-Z score (4.79) which is in line with its industry peers.
TF-DB-D has a Debt/Equity ratio of 1.40. This is a high value indicating a heavy dependency on external financing.
With a Debt to Equity ratio value of 1.40, TF-DB-D perfoms like the industry average, outperforming 40.63% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.4 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 4.79 |
ROIC/WACC0.23
WACC13.52%
2.3 Liquidity
A Current Ratio of 0.77 indicates that TF-DB-D may have some problems paying its short term obligations.
With a Current ratio value of 0.77, TF-DB-D perfoms like the industry average, outperforming 53.13% of the companies in the same industry.
A Quick Ratio of 0.77 indicates that TF-DB-D may have some problems paying its short term obligations.
TF-DB-D has a Quick ratio of 0.77. This is comparable to the rest of the industry: TF-DB-D outperforms 53.13% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.77 | ||
| Quick Ratio | 0.77 |
3. Growth
3.1 Past
The earnings per share for TF-DB-D have decreased strongly by -23.54% in the last year.
Measured over the past years, TF-DB-D shows a decrease in Earnings Per Share. The EPS has been decreasing by -2.16% on average per year.
TF-DB-D shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -10.81%.
Measured over the past years, TF-DB-D shows a small growth in Revenue. The Revenue has been growing by 4.88% on average per year.
EPS 1Y (TTM)-23.54%
EPS 3Y3.06%
EPS 5Y-2.16%
EPS Q2Q%-86.67%
Revenue 1Y (TTM)-10.81%
Revenue growth 3Y11.46%
Revenue growth 5Y4.88%
Sales Q2Q%-15.29%
3.2 Future
TF-DB-D is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 2.12% yearly.
TF-DB-D is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.33% yearly.
EPS Next Y-1.43%
EPS Next 2Y2.12%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year9.11%
Revenue Next 2Y7.33%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 189.76, TF-DB-D can be considered very expensive at the moment.
Based on the Price/Earnings ratio, TF-DB-D is valued a bit more expensive than the industry average as 65.63% of the companies are valued more cheaply.
TF-DB-D's Price/Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 29.35.
A Price/Forward Earnings ratio of 136.18 indicates a quite expensive valuation of TF-DB-D.
TF-DB-D's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. TF-DB-D is more expensive than 65.63% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.10, TF-DB-D is valued quite expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 189.76 | ||
| Fwd PE | 136.18 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y2.12%
EPS Next 3YN/A
5. Dividend
5.1 Amount
TF-DB-D has a Yearly Dividend Yield of 10.53%, which is a nice return.
TF-DB-D's Dividend Yield is rather good when compared to the industry average which is at 8.05. TF-DB-D pays more dividend than 93.75% of the companies in the same industry.
TF-DB-D's Dividend Yield is rather good when compared to the S&P500 average which is at 2.33.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 10.53% |
5.2 History
The dividend of TF-DB-D has a limited annual growth rate of 1.26%.
TF-DB-D is new to the dividend game and has less than 3 years of track record.
Dividend Growth(5Y)1.26%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
121.70% of the earnings are spent on dividend by TF-DB-D. This is not a sustainable payout ratio.
The dividend of TF-DB-D is growing, but earnings are growing more, so the dividend growth is sustainable.
DP121.7%
EPS Next 2Y2.12%
EPS Next 3YN/A
TSX:TF-DB-D (3/6/2025, 7:00:00 PM)
96.78
-0.47 (-0.48%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners4.75%
Inst Owner ChangeN/A
Ins Owners0.86%
Ins Owner ChangeN/A
Market Cap8.03B
Analysts80
Price Target125.56 (29.74%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 10.53% |
Yearly Dividend0.68
Dividend Growth(5Y)1.26%
DP121.7%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
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)1
Avg Revenue beat(2)18.65%
Min Revenue beat(2)-11.82%
Max Revenue beat(2)49.12%
Revenue beat(4)3
Avg Revenue beat(4)32.39%
Min Revenue beat(4)-11.82%
Max Revenue beat(4)49.12%
Revenue beat(8)7
Avg Revenue beat(8)37.18%
Revenue beat(12)11
Avg Revenue beat(12)34.55%
Revenue beat(16)15
Avg Revenue beat(16)30.33%
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 | 189.76 | ||
| Fwd PE | 136.18 | ||
| P/S | 49.77 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 11.7 | ||
| P/tB | 11.7 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.51
EY0.53%
EPS(NY)0.71
Fwd EY0.73%
FCF(TTM)-0.84
FCFYN/A
OCF(TTM)-0.83
OCFYN/A
SpS1.94
BVpS8.27
TBVpS8.27
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.66% | ||
| ROE | 6.72% | ||
| ROCE | 4.39% | ||
| ROIC | 3.16% | ||
| ROICexc | 3.18% | ||
| ROICexgc | 3.19% | ||
| OM | 46.66% | ||
| PM (TTM) | 28.6% | ||
| GM | 75.44% | ||
| FCFM | N/A |
ROA(3y)3.1%
ROA(5y)2.71%
ROE(3y)8.07%
ROE(5y)6.98%
ROIC(3y)3.56%
ROIC(5y)3.44%
ROICexc(3y)3.58%
ROICexc(5y)3.46%
ROICexgc(3y)3.6%
ROICexgc(5y)3.48%
ROCE(3y)4.95%
ROCE(5y)4.79%
ROICexcg growth 3Y0.03%
ROICexcg growth 5Y-1.67%
ROICexc growth 3Y0.02%
ROICexc growth 5Y-1.62%
OM growth 3Y-10.36%
OM growth 5Y-6.93%
PM growth 3Y-6.9%
PM growth 5Y-7.84%
GM growth 3Y-1.7%
GM growth 5Y-1.17%
F-Score5
Asset Turnover0.09
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.4 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | 0.33% | ||
| Interest Coverage | 2.33 | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | 0.77 | ||
| Quick Ratio | 0.77 | ||
| Altman-Z | 4.79 |
F-Score5
WACC13.52%
ROIC/WACC0.23
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)-23.54%
EPS 3Y3.06%
EPS 5Y-2.16%
EPS Q2Q%-86.67%
EPS Next Y-1.43%
EPS Next 2Y2.12%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-10.81%
Revenue growth 3Y11.46%
Revenue growth 5Y4.88%
Sales Q2Q%-15.29%
Revenue Next Year9.11%
Revenue Next 2Y7.33%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-27.91%
EBIT growth 3Y-0.09%
EBIT growth 5Y-2.39%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-177.18%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-176.59%
OCF growth 3YN/A
OCF growth 5YN/A