7.2 USD
-0.02 (-0.28%)
Overall WHF gets a fundamental rating of 3 out of 10. We evaluated WHF against 237 industry peers in the Capital Markets industry. Both the profitability and financial health of WHF have multiple concerns. WHF is valued correctly, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
In the past year WHF was profitable.
WHF had a positive operating cash flow in the past year.
In the past 5 years WHF has always been profitable.
The reported operating cash flow has been mixed in the past 5 years: WHF reported negative operating cash flow in multiple years.
1.2 Ratios
WHF has a Return On Assets (1.57%) which is in line with its industry peers.
WHF has a Return On Equity of 3.72%. This is in the lower half of the industry: WHF underperforms 66.67% of its industry peers.
WHF has a Return On Invested Capital of 3.69%. This is comparable to the rest of the industry: WHF outperforms 51.05% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for WHF is below the industry average of 6.96%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.57% | ||
| ROE | 3.72% | ||
| ROIC | 3.69% |
ROA(3y)2.12%
ROA(5y)2.86%
ROE(3y)4.98%
ROE(5y)6.74%
ROIC(3y)4.4%
ROIC(5y)3.74%
1.3 Margins
WHF has a Profit Margin (12.91%) which is in line with its industry peers.
WHF's Profit Margin has declined in the last couple of years.
WHF has a better Operating Margin (36.00%) than 66.67% of its industry peers.
In the last couple of years the Operating Margin of WHF has declined.
With a Gross Margin value of 43.86%, WHF perfoms like the industry average, outperforming 49.79% of the companies in the same industry.
WHF's Gross Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 36% | ||
| PM (TTM) | 12.91% | ||
| GM | 43.86% |
OM growth 3Y0.18%
OM growth 5Y-2.92%
PM growth 3Y-34.56%
PM growth 5Y-23.96%
GM growth 3Y-0.25%
GM growth 5Y-2.13%
2. Health
2.1 Basic Checks
The number of shares outstanding for WHF remains at a similar level compared to 1 year ago.
WHF has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, WHF has an improved debt to assets ratio.
2.2 Solvency
WHF has an Altman-Z score of 0.35. This is a bad value and indicates that WHF is not financially healthy and even has some risk of bankruptcy.
WHF has a Altman-Z score of 0.35. This is in the lower half of the industry: WHF underperforms 68.35% of its industry peers.
The Debt to FCF ratio of WHF is 3.32, which is a good value as it means it would take WHF, 3.32 years of fcf income to pay off all of its debts.
WHF's Debt to FCF ratio of 3.32 is fine compared to the rest of the industry. WHF outperforms 76.37% of its industry peers.
WHF has a Debt/Equity ratio of 1.22. This is a high value indicating a heavy dependency on external financing.
WHF's Debt to Equity ratio of 1.22 is in line compared to the rest of the industry. WHF outperforms 40.08% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.22 | ||
| Debt/FCF | 3.32 | ||
| Altman-Z | 0.35 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
WHF has a Current Ratio of 0.57. This is a bad value and indicates that WHF is not financially healthy enough and could expect problems in meeting its short term obligations.
With a Current ratio value of 0.57, WHF is not doing good in the industry: 72.57% of the companies in the same industry are doing better.
WHF has a Quick Ratio of 0.57. This is a bad value and indicates that WHF is not financially healthy enough and could expect problems in meeting its short term obligations.
WHF's Quick ratio of 0.57 is on the low side compared to the rest of the industry. WHF is outperformed by 72.57% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.57 | ||
| Quick Ratio | 0.57 |
3. Growth
3.1 Past
The earnings per share for WHF have decreased strongly by -31.48% in the last year.
The Earnings Per Share has been growing slightly by 1.13% on average over the past years.
WHF shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -21.66%.
Measured over the past years, WHF shows a small growth in Revenue. The Revenue has been growing by 6.71% on average per year.
EPS 1Y (TTM)-31.48%
EPS 3Y4.48%
EPS 5Y1.13%
EPS Q2Q%-35%
Revenue 1Y (TTM)-21.66%
Revenue growth 3Y8.76%
Revenue growth 5Y6.71%
Sales Q2Q%-51.71%
3.2 Future
Based on estimates for the next years, WHF will show a very negative growth in Earnings Per Share. The EPS will decrease by -11.60% on average per year.
Based on estimates for the next years, WHF will show a very negative growth in Revenue. The Revenue will decrease by -10.34% on average per year.
EPS Next Y-27.61%
EPS Next 2Y-17.35%
EPS Next 3Y-11.6%
EPS Next 5YN/A
Revenue Next Year-20.42%
Revenue Next 2Y-12.58%
Revenue Next 3Y-10.34%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less 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 6.10, the valuation of WHF can be described as very cheap.
Based on the Price/Earnings ratio, WHF is valued cheaper than 89.45% of the companies in the same industry.
WHF's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.65.
With a Price/Forward Earnings ratio of 6.56, the valuation of WHF can be described as very cheap.
Based on the Price/Forward Earnings ratio, WHF is valued cheaply inside the industry as 89.03% of the companies are valued more expensively.
Compared to an average S&P500 Price/Forward Earnings ratio of 34.45, WHF is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.1 | ||
| Fwd PE | 6.56 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, WHF is valued cheaper than 93.67% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.72 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
A cheap valuation may be justified as WHF's earnings are expected to decrease with -11.60% in the coming years.
PEG (NY)N/A
PEG (5Y)5.39
EPS Next 2Y-17.35%
EPS Next 3Y-11.6%
5. Dividend
5.1 Amount
WHF has a Yearly Dividend Yield of 21.45%, which is a nice return.
WHF's Dividend Yield is rather good when compared to the industry average which is at 8.60. WHF pays more dividend than 97.47% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.41, WHF pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 21.45% |
5.2 History
The dividend of WHF has a limited annual growth rate of 1.98%.
WHF has been paying a dividend for at least 10 years, so it has a reliable track record.
The dividend of WHF decreased in the last 3 years.
Dividend Growth(5Y)1.98%
Div Incr Years2
Div Non Decr Years2
5.3 Sustainability
420.82% of the earnings are spent on dividend by WHF. This is not a sustainable payout ratio.
WHF's earnings are declining while the Dividend Rate has been growing. This means the dividend growth is most likely not sustainable.
DP420.82%
EPS Next 2Y-17.35%
EPS Next 3Y-11.6%
NASDAQ:WHF (11/24/2025, 8:00:02 PM)
7.2
-0.02 (-0.28%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)
Earnings (Next)
Inst Owners15.04%
Inst Owner Change-0.86%
Ins Owners4.4%
Ins Owner Change5.08%
Market Cap167.33M
Revenue(TTM)76.34M
Net Income(TTM)9.86M
Analysts48.33
Price Target7.82 (8.61%)
Short Float %2.74%
Short Ratio2.97
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 21.45% |
Yearly Dividend1.79
Dividend Growth(5Y)1.98%
DP420.82%
Div Incr Years2
Div Non Decr Years2
Ex-Date
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-8.51%
Min EPS beat(2)-10.38%
Max EPS beat(2)-6.64%
EPS beat(4)0
Avg EPS beat(4)-10.56%
Min EPS beat(4)-13.41%
Max EPS beat(4)-6.64%
EPS beat(8)1
Avg EPS beat(8)-7.23%
EPS beat(12)4
Avg EPS beat(12)-3.58%
EPS beat(16)5
Avg EPS beat(16)-4.19%
Revenue beat(2)0
Avg Revenue beat(2)-22.24%
Min Revenue beat(2)-41.9%
Max Revenue beat(2)-2.58%
Revenue beat(4)0
Avg Revenue beat(4)-15.4%
Min Revenue beat(4)-41.9%
Max Revenue beat(4)-2.58%
Revenue beat(8)1
Avg Revenue beat(8)-11.62%
Revenue beat(12)4
Avg Revenue beat(12)-6.71%
Revenue beat(16)5
Avg Revenue beat(16)-5.74%
PT rev (1m)-23.33%
PT rev (3m)-23.33%
EPS NQ rev (1m)-6.86%
EPS NQ rev (3m)-6.86%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.65%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.14%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.49%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.1 | ||
| Fwd PE | 6.56 | ||
| P/S | 2.19 | ||
| P/FCF | 1.72 | ||
| P/OCF | 1.72 | ||
| P/B | 0.63 | ||
| P/tB | 0.63 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.18
EY16.39%
EPS(NY)1.1
Fwd EY15.26%
FCF(TTM)4.19
FCFY58.2%
OCF(TTM)4.19
OCFY58.2%
SpS3.28
BVpS11.41
TBVpS11.41
PEG (NY)N/A
PEG (5Y)5.39
Graham Number17.41
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.57% | ||
| ROE | 3.72% | ||
| ROCE | 4.67% | ||
| ROIC | 3.69% | ||
| ROICexc | 3.75% | ||
| ROICexgc | 3.75% | ||
| OM | 36% | ||
| PM (TTM) | 12.91% | ||
| GM | 43.86% | ||
| FCFM | 127.57% |
ROA(3y)2.12%
ROA(5y)2.86%
ROE(3y)4.98%
ROE(5y)6.74%
ROIC(3y)4.4%
ROIC(5y)3.74%
ROICexc(3y)4.47%
ROICexc(5y)3.79%
ROICexgc(3y)4.47%
ROICexgc(5y)3.79%
ROCE(3y)5.57%
ROCE(5y)4.73%
ROICexgc growth 3Y18.87%
ROICexgc growth 5Y2.95%
ROICexc growth 3Y18.87%
ROICexc growth 5Y2.95%
OM growth 3Y0.18%
OM growth 5Y-2.92%
PM growth 3Y-34.56%
PM growth 5Y-23.96%
GM growth 3Y-0.25%
GM growth 5Y-2.13%
F-Score4
Asset Turnover0.12
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.22 | ||
| Debt/FCF | 3.32 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 1.26 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 987.8% | ||
| Current Ratio | 0.57 | ||
| Quick Ratio | 0.57 | ||
| Altman-Z | 0.35 |
F-Score4
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)542.55%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-31.48%
EPS 3Y4.48%
EPS 5Y1.13%
EPS Q2Q%-35%
EPS Next Y-27.61%
EPS Next 2Y-17.35%
EPS Next 3Y-11.6%
EPS Next 5YN/A
Revenue 1Y (TTM)-21.66%
Revenue growth 3Y8.76%
Revenue growth 5Y6.71%
Sales Q2Q%-51.71%
Revenue Next Year-20.42%
Revenue Next 2Y-12.58%
Revenue Next 3Y-10.34%
Revenue Next 5YN/A
EBIT growth 1Y-31.37%
EBIT growth 3Y8.96%
EBIT growth 5Y3.6%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y18.12%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y18.12%
OCF growth 3YN/A
OCF growth 5YN/A
WHITEHORSE FINANCE INC / WHF FAQ
Can you provide the ChartMill fundamental rating for WHITEHORSE FINANCE INC?
ChartMill assigns a fundamental rating of 3 / 10 to WHF.
What is the valuation status for WHF stock?
ChartMill assigns a valuation rating of 6 / 10 to WHITEHORSE FINANCE INC (WHF). This can be considered as Fairly Valued.
What is the profitability of WHF stock?
WHITEHORSE FINANCE INC (WHF) has a profitability rating of 3 / 10.
How financially healthy is WHITEHORSE FINANCE INC?
The financial health rating of WHITEHORSE FINANCE INC (WHF) is 2 / 10.
How sustainable is the dividend of WHITEHORSE FINANCE INC (WHF) stock?
The dividend rating of WHITEHORSE FINANCE INC (WHF) is 5 / 10 and the dividend payout ratio is 420.82%.