6.95 USD
-0.02 (-0.29%)
Taking everything into account, WHF scores 3 out of 10 in our fundamental rating. WHF was compared to 235 industry peers in the Capital Markets industry. WHF has a bad profitability rating. Also its financial health evaluation is rather negative. WHF has a valuation in line with the averages, but on the other hand it scores bad on growth.
1. Profitability
1.1 Basic Checks
WHF had positive earnings in the past year.
In the past year WHF had a positive cash flow from operations.
WHF had positive earnings in each of the past 5 years.
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
The Return On Assets of WHF (1.57%) is comparable to the rest of the industry.
Looking at the Return On Equity, with a value of 3.72%, WHF is doing worse than 65.53% of the companies in the same industry.
WHF's Return On Invested Capital of 3.69% is in line compared to the rest of the industry. WHF outperforms 52.34% of its industry peers.
The Average Return On Invested Capital over the past 3 years for WHF is below the industry average of 7.07%.
| 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's Profit Margin of 12.91% is in line compared to the rest of the industry. WHF outperforms 46.38% of its industry peers.
WHF's Profit Margin has declined in the last couple of years.
Looking at the Operating Margin, with a value of 36.00%, WHF is in the better half of the industry, outperforming 66.81% of the companies in the same industry.
In the last couple of years the Operating Margin of WHF has declined.
WHF has a Gross Margin (43.86%) which is in line with its industry peers.
In the last couple of years the Gross Margin of WHF has declined.
| 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
WHF has about the same amout of shares outstanding than it did 1 year ago.
The number of shares outstanding for WHF has been increased compared to 5 years ago.
The debt/assets ratio for WHF has been reduced compared to a year ago.
2.2 Solvency
WHF has an Altman-Z score of 0.34. This is a bad value and indicates that WHF is not financially healthy and even has some risk of bankruptcy.
The Altman-Z score of WHF (0.34) is worse than 67.23% 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 has a better Debt to FCF ratio (3.32) than 76.60% of its industry peers.
A Debt/Equity ratio of 1.22 is on the high side and indicates that WHF has dependencies on debt financing.
WHF's Debt to Equity ratio of 1.22 is on the low side compared to the rest of the industry. WHF is outperformed by 60.43% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.22 | ||
| Debt/FCF | 3.32 | ||
| Altman-Z | 0.34 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
A Current Ratio of 0.57 indicates that WHF may have some problems paying its short term obligations.
With a Current ratio value of 0.57, WHF is not doing good in the industry: 71.49% of the companies in the same industry are doing better.
A Quick Ratio of 0.57 indicates that WHF may have some problems paying its short term obligations.
Looking at the Quick ratio, with a value of 0.57, WHF is doing worse than 71.49% of the companies in the same industry.
| 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.
Looking at the last year, WHF shows a very negative growth in Revenue. The Revenue has decreased by -21.66% in the last year.
The Revenue has been growing slightly by 6.71% on average over the past years.
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
The Earnings Per Share is expected to decrease by -12.27% on average over the next years. This is quite bad
WHF is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -9.73% yearly.
EPS Next Y-30.12%
EPS Next 2Y-18.58%
EPS Next 3Y-12.27%
EPS Next 5YN/A
Revenue Next Year-21.48%
Revenue Next 2Y-13.98%
Revenue Next 3Y-9.73%
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
With a Price/Earnings ratio of 5.89, the valuation of WHF can be described as very cheap.
Compared to the rest of the industry, the Price/Earnings ratio of WHF indicates a rather cheap valuation: WHF is cheaper than 88.94% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of WHF to the average of the S&P500 Index (26.51), we can say WHF is valued rather cheaply.
WHF is valuated cheaply with a Price/Forward Earnings ratio of 6.52.
Based on the Price/Forward Earnings ratio, WHF is valued cheaper than 91.06% of the companies in the same industry.
WHF is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.13, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.89 | ||
| Fwd PE | 6.52 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, WHF is valued cheaper than 95.74% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.66 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
WHF's earnings are expected to decrease with -12.27% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)5.2
EPS Next 2Y-18.58%
EPS Next 3Y-12.27%
5. Dividend
5.1 Amount
WHF has a Yearly Dividend Yield of 14.25%, which is a nice return.
WHF's Dividend Yield is rather good when compared to the industry average which is at 6.65. WHF pays more dividend than 86.38% of the companies in the same industry.
WHF's Dividend Yield is rather good when compared to the S&P500 average which is at 2.00.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 14.25% |
5.2 History
The dividend of WHF has a limited annual growth rate of 1.98%.
WHF has paid a dividend for at least 10 years, which is a reliable track record.
WHF has decreased its dividend in the last 3 years.
Dividend Growth(5Y)1.98%
Div Incr Years2
Div Non Decr Years2
5.3 Sustainability
WHF pays out 420.82% of its income as dividend. This is not a sustainable payout ratio.
The Dividend Rate of WHF has been growing, while earnings will be declining. This means the dividend growth is most likely not sustainable.
DP420.82%
EPS Next 2Y-18.58%
EPS Next 3Y-12.27%
NASDAQ:WHF (12/31/2025, 8:00:02 PM)
6.95
-0.02 (-0.29%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)
Earnings (Next)
Inst Owners15.69%
Inst Owner Change-0.81%
Ins Owners4.46%
Ins Owner Change11.24%
Market Cap161.52M
Revenue(TTM)76.34M
Net Income(TTM)9.86M
Analysts48.33
Price Target7.82 (12.52%)
Short Float %1.55%
Short Ratio1.51
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 14.25% |
Yearly Dividend1.79
Dividend Growth(5Y)1.98%
DP420.82%
Div Incr Years2
Div Non Decr Years2
Ex-DateN/A
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)0%
PT rev (3m)-23.33%
EPS NQ rev (1m)0.9%
EPS NQ rev (3m)-5.2%
EPS NY rev (1m)-3.47%
EPS NY rev (3m)-3.26%
Revenue NQ rev (1m)-5.19%
Revenue NQ rev (3m)-6.02%
Revenue NY rev (1m)-1.34%
Revenue NY rev (3m)-1.34%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.89 | ||
| Fwd PE | 6.52 | ||
| P/S | 2.12 | ||
| P/FCF | 1.66 | ||
| P/OCF | 1.66 | ||
| P/B | 0.61 | ||
| P/tB | 0.61 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.18
EY16.98%
EPS(NY)1.07
Fwd EY15.34%
FCF(TTM)4.19
FCFY60.29%
OCF(TTM)4.19
OCFY60.29%
SpS3.28
BVpS11.41
TBVpS11.41
PEG (NY)N/A
PEG (5Y)5.2
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 | 0.34 |
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-30.12%
EPS Next 2Y-18.58%
EPS Next 3Y-12.27%
EPS Next 5YN/A
Revenue 1Y (TTM)-21.66%
Revenue growth 3Y8.76%
Revenue growth 5Y6.71%
Sales Q2Q%-51.71%
Revenue Next Year-21.48%
Revenue Next 2Y-13.98%
Revenue Next 3Y-9.73%
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.
Can you provide the valuation status for WHITEHORSE FINANCE INC?
ChartMill assigns a valuation rating of 6 / 10 to WHITEHORSE FINANCE INC (WHF). This can be considered as Fairly Valued.
Can you provide the profitability details for WHITEHORSE FINANCE INC?
WHITEHORSE FINANCE INC (WHF) has a profitability rating of 3 / 10.
What is the financial health of WHITEHORSE FINANCE INC (WHF) stock?
The financial health rating of WHITEHORSE FINANCE INC (WHF) is 2 / 10.
Is the dividend of WHITEHORSE FINANCE INC sustainable?
The dividend rating of WHITEHORSE FINANCE INC (WHF) is 5 / 10 and the dividend payout ratio is 420.82%.