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TIMBERCREEK FINA (TF-DB-D.CA) Stock Overview

Canada - TSX:TF-DB-D - CA88709BAE44

100 CAD
0 (0%)
Last: 10/15/2025, 7:00:00 PM
Fundamental Rating

3

TF-DB-D gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 29 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 does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

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4

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.
TF-DB-D had a positive operating cash flow in 4 of the past 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M -50M 100M

1.2 Ratios

With a Return On Assets value of 2.38%, TF-DB-D perfoms like the industry average, outperforming 55.17% of the companies in the same industry.
TF-DB-D has a Return On Equity (6.37%) which is in line with its industry peers.
The Return On Invested Capital of TF-DB-D (2.93%) is worse than 65.52% of its industry peers.
TF-DB-D had an Average Return On Invested Capital over the past 3 years of 3.56%. This is in line with the industry average of 5.38%.
Industry RankSector Rank
ROA 2.38%
ROE 6.37%
ROIC 2.93%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8

1.3 Margins

TF-DB-D's Profit Margin of 27.93% is in line compared to the rest of the industry. TF-DB-D outperforms 51.72% of its industry peers.
TF-DB-D's Profit Margin has declined in the last couple of years.
TF-DB-D's Operating Margin of 47.36% is in line compared to the rest of the industry. TF-DB-D outperforms 58.62% of its industry peers.
In the last couple of years the Operating Margin of TF-DB-D has declined.
TF-DB-D has a Gross Margin of 76.24%. This is amongst the best in the industry. TF-DB-D outperforms 89.66% of its industry peers.
TF-DB-D's Gross Margin has been stable in the last couple of years.
Industry RankSector Rank
OM 47.36%
PM (TTM) 27.93%
GM 76.24%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20 40 60 80

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3

2. Health

2.1 Basic Checks

The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so TF-DB-D is destroying value.
Compared to 1 year ago, TF-DB-D has about the same amount of shares outstanding.
TF-DB-D has less shares outstanding than it did 5 years ago.
TF-DB-D has a better debt/assets ratio than last year.
TF-DB-D.CA Yearly Shares OutstandingTF-DB-D.CA Yearly Shares OutstandingYearly Shares Outstanding 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B

2.2 Solvency

An Altman-Z score of 4.48 indicates that TF-DB-D is not in any danger for bankruptcy at the moment.
The Altman-Z score of TF-DB-D (4.48) is comparable to the rest of the industry.
TF-DB-D has a Debt/Equity ratio of 1.66. This is a high value indicating a heavy dependency on external financing.
TF-DB-D's Debt to Equity ratio of 1.66 is on the low side compared to the rest of the industry. TF-DB-D is outperformed by 62.07% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.66
Debt/FCF N/A
Altman-Z 4.48
ROIC/WACC0.39
WACC7.46%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M 400M 600M 800M 1B

2.3 Liquidity

TF-DB-D has a Current Ratio of 0.14. 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.
With a Current ratio value of 0.14, TF-DB-D perfoms like the industry average, outperforming 51.72% of the companies in the same industry.
TF-DB-D has a Quick Ratio of 0.14. 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 0.14, TF-DB-D is in line with its industry, outperforming 51.72% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 0.14
Quick Ratio 0.14
TF-DB-D.CA Yearly Current Assets VS Current LiabilitesTF-DB-D.CA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M

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3

3. Growth

3.1 Past

The earnings per share for TF-DB-D have decreased strongly by -27.40% in the last year.
TF-DB-D shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -3.23% yearly.
Looking at the last year, TF-DB-D shows a very negative growth in Revenue. The Revenue has decreased by -10.40% in the last year.
The Revenue has been growing slightly by 4.88% on average over the past years.
EPS 1Y (TTM)-27.4%
EPS 3Y-6.27%
EPS 5Y-3.23%
EPS Q2Q%-21.05%
Revenue 1Y (TTM)-10.4%
Revenue growth 3Y11.46%
Revenue growth 5Y4.88%
Sales Q2Q%-12.62%

3.2 Future

TF-DB-D is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 14.88% yearly.
The Revenue is expected to grow by 5.61% on average over the next years.
EPS Next Y26.91%
EPS Next 2Y14.88%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year6.73%
Revenue Next 2Y5.61%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
TF-DB-D.CA Yearly Revenue VS EstimatesTF-DB-D.CA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 50M 100M 150M
TF-DB-D.CA Yearly EPS VS EstimatesTF-DB-D.CA Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8

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0

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 188.68, which means the current valuation is very expensive for TF-DB-D.
72.41% of the companies in the same industry are cheaper than TF-DB-D, based on the Price/Earnings ratio.
TF-DB-D's Price/Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 27.40.
A Price/Forward Earnings ratio of 135.31 indicates a quite expensive valuation of TF-DB-D.
Compared to the rest of the industry, the Price/Forward Earnings ratio of TF-DB-D indicates a slightly more expensive valuation: TF-DB-D is more expensive than 65.52% of the companies listed in the same industry.
TF-DB-D is valuated expensively when we compare the Price/Forward Earnings ratio to 22.94, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 188.68
Fwd PE 135.31
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

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 14.88% in the coming years.
PEG (NY)7.01
PEG (5Y)N/A
EPS Next 2Y14.88%
EPS Next 3YN/A

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5

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 9.64%, TF-DB-D is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 6.76, TF-DB-D pays a better dividend. On top of this TF-DB-D pays more dividend than 93.10% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.36, TF-DB-D pays a better dividend.
Industry RankSector Rank
Dividend Yield 9.64%

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

118.44% 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.
DP118.44%
EPS Next 2Y14.88%
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 2015 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

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TIMBERCREEK FINA

TSX:TF-DB-D (10/15/2025, 7:00:00 PM)

100

0 (0%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)07-30 2025-07-30/amc
Earnings (Next)10-29 2025-10-29
Inst Owners3.2%
Inst Owner ChangeN/A
Ins Owners0.96%
Ins Owner ChangeN/A
Market Cap8.28B
Analysts80
Price Target108.87 (8.87%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 9.64%
Yearly Dividend0.68
Dividend Growth(5Y)1.26%
DP118.44%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-5%
Min EPS beat(2)-14.33%
Max EPS beat(2)4.33%
EPS beat(4)1
Avg EPS beat(4)-25.12%
Min EPS beat(4)-82.17%
Max EPS beat(4)4.33%
EPS beat(8)2
Avg EPS beat(8)-14.33%
EPS beat(12)2
Avg EPS beat(12)-11.87%
EPS beat(16)3
Avg EPS beat(16)-9.67%
Revenue beat(2)2
Avg Revenue beat(2)14.46%
Min Revenue beat(2)2.85%
Max Revenue beat(2)26.07%
Revenue beat(4)3
Avg Revenue beat(4)5.43%
Min Revenue beat(4)-11.82%
Max Revenue beat(4)26.07%
Revenue beat(8)7
Avg Revenue beat(8)25.94%
Revenue beat(12)11
Avg Revenue beat(12)29.35%
Revenue beat(16)15
Avg Revenue beat(16)26.74%
PT rev (1m)2.96%
PT rev (3m)-0.37%
EPS NQ rev (1m)0%
EPS NQ rev (3m)2.9%
EPS NY rev (1m)-1.08%
EPS NY rev (3m)3.5%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.43%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-3.29%
Valuation
Industry RankSector Rank
PE 188.68
Fwd PE 135.31
P/S 53.04
P/FCF N/A
P/OCF N/A
P/B 12.11
P/tB 12.11
EV/EBITDA N/A
EPS(TTM)0.53
EY0.53%
EPS(NY)0.74
Fwd EY0.74%
FCF(TTM)-1.19
FCFYN/A
OCF(TTM)-1.18
OCFYN/A
SpS1.89
BVpS8.26
TBVpS8.26
PEG (NY)7.01
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 2.38%
ROE 6.37%
ROCE 4.07%
ROIC 2.93%
ROICexc 2.93%
ROICexgc 2.94%
OM 47.36%
PM (TTM) 27.93%
GM 76.24%
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-Score3
Asset Turnover0.09
Health
Industry RankSector Rank
Debt/Equity 1.66
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 2.14
Cash Conversion N/A
Profit Quality N/A
Current Ratio 0.14
Quick Ratio 0.14
Altman-Z 4.48
F-Score3
WACC7.46%
ROIC/WACC0.39
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)-27.4%
EPS 3Y-6.27%
EPS 5Y-3.23%
EPS Q2Q%-21.05%
EPS Next Y26.91%
EPS Next 2Y14.88%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-10.4%
Revenue growth 3Y11.46%
Revenue growth 5Y4.88%
Sales Q2Q%-12.62%
Revenue Next Year6.73%
Revenue Next 2Y5.61%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-21.66%
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-201.42%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-200.88%
OCF growth 3YN/A
OCF growth 5YN/A