TIMBERCREEK FINA (TF-DB-D.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:TF-DB-D - CA88709BAE44
100.98 CAD
+0.48 (+0.48%)
We assign a fundamental rating of 3 out of 10 to TF-DB-D. TF-DB-D was compared to 28 industry peers in the Financial Services industry. There are concerns on the financial health of TF-DB-D while its profitability can be described as average. 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.
- 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.
- TF-DB-D had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
- The Return On Assets of TF-DB-D (2.17%) is comparable to the rest of the industry.
- With a Return On Equity value of 5.60%, TF-DB-D perfoms like the industry average, outperforming 42.86% of the companies in the same industry.
- Looking at the Return On Invested Capital, with a value of 2.80%, TF-DB-D is doing worse than 67.86% of the companies in the same industry.
- 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
- TF-DB-D has a Profit Margin (24.62%) which is in line with its industry peers.
- TF-DB-D's Profit Margin has declined in the last couple of years.
- With a decent Operating Margin value of 43.60%, TF-DB-D is doing good in the industry, outperforming 60.71% of the companies in the same industry.
- In the last couple of years the Operating Margin of TF-DB-D has declined.
- With an excellent Gross Margin value of 74.20%, TF-DB-D belongs to the best of the industry, outperforming 89.29% of the companies in the same industry.
- TF-DB-D's Gross Margin has been stable in the last couple of years.
| 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
- With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), TF-DB-D is destroying value.
- The number of shares outstanding for TF-DB-D remains at a similar level compared to 1 year ago.
- The number of shares outstanding for TF-DB-D has been reduced compared to 5 years ago.
- The debt/assets ratio for TF-DB-D has been reduced compared to a year ago.
2.2 Solvency
- TF-DB-D has an Altman-Z score of 4.85. This indicates that TF-DB-D is financially healthy and has little risk of bankruptcy at the moment.
- TF-DB-D's Altman-Z score of 4.85 is fine compared to the rest of the industry. TF-DB-D outperforms 64.29% of its industry peers.
- 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 Debt to Equity ratio of 1.55. This is in the lower half of the industry: TF-DB-D underperforms 60.71% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.55 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 4.85 |
ROIC/WACC0.38
WACC7.43%
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.
- A Quick Ratio of 0.10 indicates that TF-DB-D may have some problems paying its short term obligations.
- The Quick ratio of TF-DB-D (0.10) is worse than 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%.
- Measured over the past years, TF-DB-D shows a decrease in Earnings Per Share. The EPS has been decreasing by -3.23% on average per year.
- Looking at the last year, TF-DB-D shows a decrease in Revenue. The Revenue has decreased by -8.53% in the last year.
- The Revenue has been growing slightly by 4.88% on average over the past years.
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
- Based on estimates for the next years, TF-DB-D will show a quite strong growth in Earnings Per Share. The EPS will grow by 8.96% on average per year.
- 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
- Based on the Price/Earnings ratio of 219.52, the valuation of TF-DB-D can be described as expensive.
- Compared to the rest of the industry, the Price/Earnings ratio of TF-DB-D indicates a slightly more expensive valuation: TF-DB-D is more expensive than 67.86% of the companies listed in the same industry.
- TF-DB-D is valuated expensively when we compare the Price/Earnings ratio to 27.25, which is the current average of the S&P500 Index.
- The Price/Forward Earnings ratio is 144.88, which means the current valuation is very expensive for TF-DB-D.
- Based on the Price/Forward Earnings ratio, TF-DB-D is valued a bit more expensive than 64.29% of the companies in the same industry.
- Compared to an average S&P500 Price/Forward Earnings ratio of 25.98, TF-DB-D is valued quite expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 219.52 | ||
| Fwd PE | 144.88 |
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 an expensive valuation of the company.
PEG (NY)27.77
PEG (5Y)N/A
EPS Next 2Y11.56%
EPS Next 3Y8.96%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 9.65%, TF-DB-D is a good candidate for dividend investing.
- TF-DB-D's Dividend Yield is rather good when compared to the industry average which is at 5.64. TF-DB-D pays more dividend than 92.86% 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 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
- 136.17% of the earnings are spent on dividend by TF-DB-D. This is not a sustainable payout ratio.
- TF-DB-D's earnings are growing more than its dividend. This makes the dividend growth 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 219.52 and the Price/Book (PB) ratio is 12.33.
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.