TIMBERCREEK FINA (TF-DB-D.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:TF-DB-D - CA88709BAE44
100.5 CAD
+0.5 (+0.5%)
Taking everything into account, TF-DB-D scores 3 out of 10 in our fundamental rating. TF-DB-D was compared to 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 does not seem to be growing, but still is valued expensively.
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.
- Each year in the past 5 years TF-DB-D has been profitable.
- Of the past 5 years TF-DB-D 4 years had a positive operating cash flow.
1.2 Ratios
- The Return On Assets of TF-DB-D (2.17%) is comparable to the rest of the industry.
- Looking at the Return On Equity, with a value of 5.60%, TF-DB-D is in line with its industry, outperforming 42.86% of the companies in the same industry.
- The Return On Invested Capital of TF-DB-D (2.80%) is worse than 67.86% 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 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
- With a Profit Margin value of 24.62%, TF-DB-D perfoms like the industry average, outperforming 57.14% 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 60.71% of the companies in the same industry.
- In the last couple of years the Operating Margin of TF-DB-D has declined.
- TF-DB-D has a Gross Margin of 74.20%. This is amongst the best in the industry. TF-DB-D outperforms 89.29% of its industry peers.
- 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
- TF-DB-D has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
- Compared to 1 year ago, TF-DB-D has about the same amount of shares outstanding.
- The number of shares outstanding for TF-DB-D has been reduced compared to 5 years ago.
- TF-DB-D has a better debt/assets ratio than last year.
2.2 Solvency
- TF-DB-D has an Altman-Z score of 4.83. This indicates that TF-DB-D is financially healthy and has little risk of bankruptcy at the moment.
- TF-DB-D has a better Altman-Z score (4.83) than 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's Debt to Equity ratio of 1.55 is on the low side compared to the rest of the industry. TF-DB-D is outperformed by 60.71% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.55 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 4.83 |
ROIC/WACC0.38
WACC7.43%
2.3 Liquidity
- TF-DB-D has a Current 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.
- The Current ratio of TF-DB-D (0.10) is worse than 67.86% of its industry peers.
- A Quick Ratio of 0.10 indicates that TF-DB-D may have some problems paying its short term obligations.
- TF-DB-D has a Quick ratio of 0.10. This is in the lower half of the industry: TF-DB-D underperforms 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%.
- TF-DB-D shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -3.23% yearly.
- TF-DB-D shows a decrease in Revenue. In the last year, the revenue decreased by -8.53%.
- 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)-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.
- TF-DB-D is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 1.76% yearly.
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.
- The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 218.48, the valuation of TF-DB-D can be described as expensive.
- TF-DB-D's Price/Earnings ratio is a bit more expensive when compared to the industry. TF-DB-D is more expensive than 67.86% of the companies in the same industry.
- The average S&P500 Price/Earnings ratio is at 27.21. TF-DB-D is valued rather expensively when compared to this.
- With a Price/Forward Earnings ratio of 144.20, TF-DB-D can be considered very expensive at the moment.
- 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 24.26, TF-DB-D is valued quite expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 218.48 | ||
| Fwd PE | 144.2 |
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)27.64
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 5.88, 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 1.81.
| 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 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
- 136.17% 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.
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 218.48 and the Price/Book (PB) ratio is 12.27.
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.