TIMBERCREEK FINA (TF-DB-D.CA) Fundamental Analysis & Valuation

TSX:TF-DB-D • CA88709BAE44

Current stock price

100.02 CAD
-1.96 (-1.92%)
Last:

This TF-DB-D.CA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. TF-DB-D.CA Profitability Analysis

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.
  • Of the past 5 years TF-DB-D 4 years were profitable.
  • In multiple years TF-DB-D reported negative operating cash flow during the last 5 years.
TF-DB-D.CA Yearly Net Income VS EBIT VS OCF VS FCFTF-DB-D.CA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M -50M 100M

1.2 Ratios

  • The Return On Assets of TF-DB-D (2.17%) is better than 62.50% of its industry peers.
  • TF-DB-D's Return On Equity of 5.60% is in line compared to the rest of the industry. TF-DB-D outperforms 53.13% of its industry peers.
  • TF-DB-D has a Return On Invested Capital of 2.80%. This is comparable to the rest of the industry: TF-DB-D outperforms 43.75% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for TF-DB-D is below the industry average of 6.74%.
Industry RankSector 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%
TF-DB-D.CA Yearly ROA, ROE, ROICTF-DB-D.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8

1.3 Margins

  • With a decent Profit Margin value of 24.62%, TF-DB-D is doing good in the industry, outperforming 65.63% of the companies in the same industry.
  • 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 68.75% 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 90.63% of the companies in the same industry.
  • In the last couple of years the Gross Margin of TF-DB-D has remained more or less at the same level.
Industry RankSector 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%
TF-DB-D.CA Yearly Profit, Operating, Gross MarginsTF-DB-D.CA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 20 40 60 80

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. TF-DB-D.CA Health Analysis

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.
  • There is no outstanding debt for TF-DB-D. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
TF-DB-D.CA Yearly Shares OutstandingTF-DB-D.CA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M
TF-DB-D.CA Yearly Total Debt VS Total AssetsTF-DB-D.CA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B

2.2 Solvency

  • TF-DB-D has an Altman-Z score of 4.81. 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 of 4.81. This is in the better half of the industry: TF-DB-D outperforms 71.88% 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.
  • The Debt to Equity ratio of TF-DB-D (1.55) is worse than 65.63% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.55
Debt/FCF N/A
Altman-Z 4.81
ROIC/WACC0.38
WACC7.44%
TF-DB-D.CA Yearly LT Debt VS Equity VS FCFTF-DB-D.CA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M 400M 600M 800M 1B

2.3 Liquidity

  • A Current Ratio of 0.10 indicates that TF-DB-D may have some problems paying its short term obligations.
  • TF-DB-D has a worse Current ratio (0.10) than 71.88% of its industry peers.
  • 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.
  • Looking at the Quick ratio, with a value of 0.10, TF-DB-D is doing worse than 71.88% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 0.1
Quick Ratio 0.1
TF-DB-D.CA Yearly Current Assets VS Current LiabilitesTF-DB-D.CA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. TF-DB-D.CA Growth Analysis

3.1 Past

  • TF-DB-D shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -25.00%.
  • TF-DB-D shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -7.79% yearly.
EPS 1Y (TTM)-25%
EPS 3Y-15.25%
EPS 5Y-7.79%
EPS Q2Q%-133.33%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%-24.73%

3.2 Future

  • Based on estimates for the next years, TF-DB-D will show a very strong growth in Earnings Per Share. The EPS will grow by 26.90% on average per year.
  • TF-DB-D is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 1.11% yearly.
EPS Next Y52.86%
EPS Next 2Y26.9%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year3.16%
Revenue Next 2Y1.11%
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.
TF-DB-D.CA Yearly Revenue VS EstimatesTF-DB-D.CA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 50M 100M 150M
TF-DB-D.CA Yearly EPS VS EstimatesTF-DB-D.CA Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0.2 0.4 0.6 0.8

More info and screens

Find the best growth stocksShow best growing peers

1

4. TF-DB-D.CA Valuation Analysis

4.1 Price/Earnings Ratio

  • TF-DB-D is valuated quite expensively with a Price/Earnings ratio of 238.14.
  • The rest of the industry has a similar Price/Earnings ratio as TF-DB-D.
  • TF-DB-D's Price/Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 25.70.
  • A Price/Forward Earnings ratio of 155.79 indicates a quite expensive valuation of TF-DB-D.
  • TF-DB-D's Price/Forward Earnings is on the same level as the industry average.
  • The average S&P500 Price/Forward Earnings ratio is at 23.84. TF-DB-D is valued rather expensively when compared to this.
Industry RankSector Rank
PE 238.14
Fwd PE 155.79
TF-DB-D.CA Price Earnings VS Forward Price EarningsTF-DB-D.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 50 100 150 200

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
TF-DB-D.CA Per share dataTF-DB-D.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 4 6 8

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
  • A more expensive valuation may be justified as TF-DB-D's earnings are expected to grow with 26.90% in the coming years.
PEG (NY)4.5
PEG (5Y)N/A
EPS Next 2Y26.9%
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. TF-DB-D.CA Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 10.44%, TF-DB-D is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 4.77, TF-DB-D pays a better dividend. On top of this TF-DB-D pays more dividend than 93.75% 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 RankSector Rank
Dividend Yield 10.44%

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

  • 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 2Y26.9%
EPS Next 3YN/A
TF-DB-D.CA Yearly Income VS Free CF VS DividendTF-DB-D.CA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M -50M 100M
TF-DB-D.CA Dividend Payout.TF-DB-D.CA Dividend Payout, showing the Payout Ratio.TF-DB-D.CA Dividend Payout.PayoutRetained Earnings

More info and screens

Find the best dividend stocksShow peers with best dividend

TF-DB-D.CA Fundamentals: All Metrics, Ratios and Statistics

TIMBERCREEK FINA

TSX:TF-DB-D (3/12/2026, 7:00:00 PM)

100.02

-1.96 (-1.92%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-25
Earnings (Next)05-04
Inst Owners2.67%
Inst Owner ChangeN/A
Ins Owners0.97%
Ins Owner ChangeN/A
Market Cap8.28B
Revenue(TTM)N/A
Net Income(TTM)37.97M
Analysts78.33
Price Target108.93 (8.91%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 10.44%
Yearly Dividend0.68
Dividend Growth(5Y)1.26%
DP136.17%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-29.82%
Min EPS beat(2)-45.3%
Max EPS beat(2)-14.33%
EPS beat(4)1
Avg EPS beat(4)-34.37%
Min EPS beat(4)-82.17%
Max EPS beat(4)4.33%
EPS beat(8)2
Avg EPS beat(8)-19.62%
EPS beat(12)2
Avg EPS beat(12)-14.95%
EPS beat(16)3
Avg EPS beat(16)-11.98%
Revenue beat(2)0
Avg Revenue beat(2)-12.86%
Min Revenue beat(2)-13.27%
Max Revenue beat(2)-12.45%
Revenue beat(4)2
Avg Revenue beat(4)-4.57%
Min Revenue beat(4)-13.27%
Max Revenue beat(4)4.6%
Revenue beat(8)5
Avg Revenue beat(8)14.71%
Revenue beat(12)9
Avg Revenue beat(12)21.8%
Revenue beat(16)13
Avg Revenue beat(16)22.71%
PT rev (1m)-2.71%
PT rev (3m)-8.08%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 238.14
Fwd PE 155.79
P/S 53.66
P/FCF N/A
P/OCF N/A
P/B 12.21
P/tB 12.21
EV/EBITDA N/A
EPS(TTM)0.42
EY0.42%
EPS(NY)0.64
Fwd EY0.64%
FCF(TTM)-0.47
FCFYN/A
OCF(TTM)-0.46
OCFYN/A
SpS1.86
BVpS8.19
TBVpS8.19
PEG (NY)4.5
PEG (5Y)N/A
Graham Number8.8
Profitability
Industry RankSector Rank
ROA 2.17%
ROE 5.6%
ROCE 3.89%
ROIC 2.8%
ROICexc 2.8%
ROICexgc 2.81%
OM 43.6%
PM (TTM) 24.62%
GM 74.2%
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%
ROICexgc growth 3Y0.03%
ROICexgc 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-Score3
Asset Turnover0.09
Health
Industry RankSector Rank
Debt/Equity 1.55
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 2.02
Cash Conversion N/A
Profit Quality N/A
Current Ratio 0.1
Quick Ratio 0.1
Altman-Z 4.81
F-Score3
WACC7.44%
ROIC/WACC0.38
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)-25%
EPS 3Y-15.25%
EPS 5Y-7.79%
EPS Q2Q%-133.33%
EPS Next Y52.86%
EPS Next 2Y26.9%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%-24.73%
Revenue Next Year3.16%
Revenue Next 2Y1.11%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-25.8%
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-140.48%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-139.93%
OCF growth 3YN/A
OCF growth 5YN/A

TIMBERCREEK FINA / TF-DB-D.CA Fundamental Analysis 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 1 / 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 238.14 and the Price/Book (PB) ratio is 12.21.


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 52.86% in the next year.