TIMBERCREEK FINA (TF-DB-D.CA) Stock Fundamental Analysis
Canada • Toronto Stock Exchange • TSX:TF-DB-D • CA88709BAE44
99.55 CAD
-0.55 (-0.55%)
Last: Jan 30, 2026, 07:00 PM
TF-DB-D gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 28 industry peers in the Financial Services industry. TF-DB-D has a medium profitability rating, but doesn't score so well on its financial health evaluation. TF-DB-D is valued expensive and it does not seem to be growing.
1. Profitability
1.1 Basic Checks
- In the past year TF-DB-D was profitable.
- TF-DB-D had a negative operating cash flow in the past year.
- 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
- With a Return On Assets value of 2.17%, TF-DB-D perfoms like the industry average, outperforming 53.57% of the companies in the same industry.
- TF-DB-D has a Return On Equity (5.60%) which is in line with its industry peers.
- TF-DB-D has a worse Return On Invested Capital (2.80%) than 67.86% 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 7.80%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.17% | ||
| ROE | 5.6% | ||
| ROIC | 2.8% |
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 (24.62%) is comparable to the rest of the industry.
- TF-DB-D's Profit Margin has declined in the last couple of years.
- TF-DB-D has a Operating Margin of 43.60%. This is in the better half of the industry: TF-DB-D outperforms 60.71% of its industry peers.
- TF-DB-D's Operating Margin has declined in the last couple of years.
- TF-DB-D has a better Gross Margin (74.20%) than 89.29% 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 | 43.6% | ||
| PM (TTM) | 24.62% | ||
| GM | 74.2% |
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
- TF-DB-D has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
- TF-DB-D has about the same amout of shares outstanding than it did 1 year ago.
- The number of shares outstanding for TF-DB-D has been reduced compared to 5 years ago.
- Compared to 1 year ago, TF-DB-D has an improved debt to assets ratio.
2.2 Solvency
- An Altman-Z score of 4.81 indicates that TF-DB-D is not in any danger for bankruptcy at the moment.
- Looking at the Altman-Z score, with a value of 4.81, TF-DB-D is in the better half of the industry, outperforming 64.29% of the companies in the same industry.
- TF-DB-D has a Debt/Equity ratio of 1.55. This is a high value indicating a heavy dependency on external financing.
- TF-DB-D has a worse Debt to Equity ratio (1.55) than 60.71% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.55 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 4.81 |
ROIC/WACC0.38
WACC7.42%
2.3 Liquidity
- A Current Ratio of 0.10 indicates that TF-DB-D may have some problems paying its short term obligations.
- With a Current ratio value of 0.10, TF-DB-D is not doing good in the industry: 67.86% of the companies in the same industry are doing better.
- TF-DB-D has a Quick Ratio of 0.10. This is a bad value and indicates that TF-DB-D is not financially healthy enough and could expect problems in meeting its short term obligations.
- TF-DB-D's Quick ratio of 0.10 is on the low side compared to the rest of the industry. TF-DB-D is outperformed by 67.86% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.1 | ||
| Quick Ratio | 0.1 |
3. Growth
3.1 Past
- TF-DB-D shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -35.21%.
- The Earnings Per Share has been decreasing by -3.23% on average over the past years.
- The Revenue has decreased by -8.53% in the past year.
- TF-DB-D shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.88% yearly.
EPS 1Y (TTM)-35.21%
EPS 3Y-6.27%
EPS 5Y-3.23%
EPS Q2Q%-41.18%
Revenue 1Y (TTM)-8.53%
Revenue growth 3Y11.46%
Revenue growth 5Y4.88%
Sales Q2Q%0.04%
3.2 Future
- The Earnings Per Share is expected to grow by 8.96% on average over the next years. This is quite good.
- The Revenue is expected to grow by 1.76% on average over the next years.
EPS Next Y7.91%
EPS Next 2Y11.56%
EPS Next 3Y8.96%
EPS Next 5YN/A
Revenue Next Year1.86%
Revenue Next 2Y1.8%
Revenue Next 3Y1.76%
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.
- When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
- The Price/Earnings ratio is 216.41, which means the current valuation is very expensive for TF-DB-D.
- Based on the Price/Earnings ratio, TF-DB-D is valued a bit more expensive than 67.86% of the companies in the same industry.
- Compared to an average S&P500 Price/Earnings ratio of 28.30, TF-DB-D is valued quite expensively.
- The Price/Forward Earnings ratio is 142.83, which means the current valuation is very expensive for TF-DB-D.
- 64.29% of the companies in the same industry are cheaper than TF-DB-D, based on the Price/Forward Earnings ratio.
- TF-DB-D is valuated expensively when we compare the Price/Forward Earnings ratio to 25.57, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 216.41 | ||
| Fwd PE | 142.83 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates TF-DB-D does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)27.38
PEG (5Y)N/A
EPS Next 2Y11.56%
EPS Next 3Y8.96%
5. Dividend
5.1 Amount
- TF-DB-D has a Yearly Dividend Yield of 9.65%, which is a nice return.
- Compared to an average industry Dividend Yield of 5.64, TF-DB-D pays a better dividend. On top of this TF-DB-D pays more dividend than 92.86% of the companies listed in the same industry.
- TF-DB-D's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 9.65% |
5.2 History
- The dividend of TF-DB-D has a limited annual growth rate of 1.26%.
- TF-DB-D does not have a reliable dividend history as it only pays dividend since a couple or years.
Dividend Growth(5Y)1.26%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
- TF-DB-D pays out 136.17% of its income as dividend. 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.
DP136.17%
EPS Next 2Y11.56%
EPS Next 3Y8.96%
TIMBERCREEK FINA / TF-DB-D.CA FAQ
Can you provide the ChartMill fundamental rating for TIMBERCREEK FINA?
ChartMill assigns a fundamental rating of 3 / 10 to TF-DB-D.CA.
What is the valuation status for TF-DB-D stock?
ChartMill assigns a valuation rating of 0 / 10 to TIMBERCREEK FINA (TF-DB-D.CA). This can be considered as Overvalued.
How profitable is TIMBERCREEK FINA (TF-DB-D.CA) stock?
TIMBERCREEK FINA (TF-DB-D.CA) has a profitability rating of 4 / 10.
What are the PE and PB ratios of TIMBERCREEK FINA (TF-DB-D.CA) stock?
The Price/Earnings (PE) ratio for TIMBERCREEK FINA (TF-DB-D.CA) is 216.41 and the Price/Book (PB) ratio is 12.16.
What is the earnings growth outlook for TIMBERCREEK FINA?
The Earnings per Share (EPS) of TIMBERCREEK FINA (TF-DB-D.CA) is expected to grow by 7.91% in the next year.