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. Both the profitability and financial health of WHF have multiple concerns. 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
In the past year WHF was profitable.
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
With a Return On Assets value of 1.57%, WHF perfoms like the industry average, outperforming 41.70% of the companies in the same industry.
The Return On Equity of WHF (3.72%) is worse than 65.11% of its industry peers.
The Return On Invested Capital of WHF (3.69%) is comparable to the rest of the industry.
Measured over the past 3 years, the Average Return On Invested Capital 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
With a Profit Margin value of 12.91%, WHF perfoms like the industry average, outperforming 46.38% of the companies in the same industry.
WHF's Profit Margin has declined in the last couple of years.
WHF has a better Operating Margin (36.00%) than 66.81% of its industry peers.
WHF's Operating Margin has declined in the last couple of years.
Looking at the Gross Margin, with a value of 43.86%, WHF is in line with its industry, outperforming 46.81% of the companies in the same industry.
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
The number of shares outstanding for WHF remains at a similar level compared to 1 year ago.
Compared to 5 years ago, WHF has more shares outstanding
Compared to 1 year ago, WHF has an improved debt to assets ratio.
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.
WHF has a worse Altman-Z score (0.34) than 65.53% 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.
The Debt to FCF ratio of WHF (3.32) is better 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 has a Debt to Equity ratio (1.22) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.22 | ||
| Debt/FCF | 3.32 | ||
| Altman-Z | 0.34 |
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.
WHF has a Current ratio of 0.57. This is in the lower half of the industry: WHF underperforms 70.21% of its industry peers.
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 70.21% 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.
Measured over the past 5 years, WHF shows a small growth in Earnings Per Share. The EPS has been growing by 1.13% on average per year.
The Revenue for WHF has decreased by -21.66% in the past year. This is quite bad
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
WHF is expected to show a very negative growth in Earnings Per Share. In the coming years, the EPS will decrease by -12.27% yearly.
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
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
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 89.36% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.51, WHF is valued rather cheaply.
The Price/Forward Earnings ratio is 6.52, which indicates a rather cheap valuation of WHF.
Based on the Price/Forward Earnings ratio, WHF is valued cheaper than 91.06% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.13, WHF is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.89 | ||
| Fwd PE | 6.52 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of WHF indicates a rather cheap valuation: WHF is cheaper than 95.74% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.66 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
A cheap valuation may be justified as WHF's earnings are expected to decrease with -12.27% in the coming years.
PEG (NY)N/A
PEG (5Y)5.2
EPS Next 2Y-18.58%
EPS Next 3Y-12.27%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 14.25%, WHF is a good candidate for dividend investing.
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 been paying a dividend for at least 10 years, so it has 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
420.82% of the earnings are spent on dividend by WHF. 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%.