7.64 USD
-0.07 (-0.91%)
Taking everything into account, WHF scores 3 out of 10 in our fundamental rating. WHF was compared to 237 industry peers in the Capital Markets industry. WHF may be in some trouble as it scores bad on both profitability and health. 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.
WHF had a positive operating cash flow in the past year.
WHF had positive earnings in each of the past 5 years.
In multiple years WHF reported negative operating cash flow during the last 5 years.
1.2 Ratios
WHF's Return On Assets of 1.57% is in line compared to the rest of the industry. WHF outperforms 40.93% of its industry peers.
Looking at the Return On Equity, with a value of 3.72%, WHF is doing worse than 66.67% 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 51.90% of its industry peers.
WHF had an Average Return On Invested Capital over the past 3 years of 4.40%. This is below the industry average of 6.99%.
| 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.
WHF's Operating Margin has declined in the last couple of years.
WHF's Gross Margin of 43.86% is in line compared to the rest of the industry. WHF outperforms 49.79% of 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
Compared to 1 year ago, WHF has about the same amount of shares outstanding.
Compared to 5 years ago, WHF has more shares outstanding
WHF has a better debt/assets ratio than last year.
2.2 Solvency
Based on the Altman-Z score of 0.37, we must say that WHF is in the distress zone and has some risk of bankruptcy.
WHF has a Altman-Z score of 0.37. This is in the lower half of the industry: WHF underperforms 67.51% of its industry peers.
WHF has a debt to FCF ratio of 3.32. This is a good value and a sign of high solvency as WHF would need 3.32 years to pay back of all of its debts.
The Debt to FCF ratio of WHF (3.32) is better than 75.95% 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.
Looking at the Debt to Equity ratio, with a value of 1.22, WHF is doing worse than 60.34% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.22 | ||
| Debt/FCF | 3.32 | ||
| Altman-Z | 0.37 |
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.
Looking at the Current ratio, with a value of 0.57, WHF is doing worse than 72.57% of the companies in the same industry.
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.
With a Quick 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.
| 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.
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
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 6.47, the valuation of WHF can be described as very cheap.
Based on the Price/Earnings ratio, WHF is valued cheaper than 88.19% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.59, WHF is valued rather cheaply.
A Price/Forward Earnings ratio of 7.17 indicates a rather cheap valuation of WHF.
Based on the Price/Forward Earnings ratio, WHF is valued cheaply inside the industry as 89.03% of the companies are valued more expensively.
When comparing the Price/Forward Earnings ratio of WHF to the average of the S&P500 Index (23.80), we can say WHF is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.47 | ||
| Fwd PE | 7.17 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, WHF is valued cheaply inside the industry as 94.09% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.82 | ||
| 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)5.72
EPS Next 2Y-18.58%
EPS Next 3Y-12.27%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 21.45%, WHF is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 8.31, WHF pays a better dividend. On top of this WHF pays more dividend than 97.47% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.31, 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-18.58%
EPS Next 3Y-12.27%
NASDAQ:WHF (12/10/2025, 8:23:45 PM)
7.64
-0.07 (-0.91%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)
Earnings (Next)
Inst Owners15.69%
Inst Owner Change-0.86%
Ins Owners4.46%
Ins Owner Change5.08%
Market Cap177.55M
Revenue(TTM)76.34M
Net Income(TTM)9.86M
Analysts48.33
Price Target7.82 (2.36%)
Short Float %2.32%
Short Ratio2.61
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)-13.21%
PT rev (3m)-23.33%
EPS NQ rev (1m)-6.02%
EPS NQ rev (3m)-5.2%
EPS NY rev (1m)-3.47%
EPS NY rev (3m)-4.09%
Revenue NQ rev (1m)-2.63%
Revenue NQ rev (3m)-2.63%
Revenue NY rev (1m)-1.34%
Revenue NY rev (3m)-1.81%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.47 | ||
| Fwd PE | 7.17 | ||
| P/S | 2.33 | ||
| P/FCF | 1.82 | ||
| P/OCF | 1.82 | ||
| P/B | 0.67 | ||
| P/tB | 0.67 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.18
EY15.45%
EPS(NY)1.07
Fwd EY13.95%
FCF(TTM)4.19
FCFY54.85%
OCF(TTM)4.19
OCFY54.85%
SpS3.28
BVpS11.41
TBVpS11.41
PEG (NY)N/A
PEG (5Y)5.72
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 | 0.37 |
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.
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%.