6.87 USD
-0.08 (-1.15%)
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 is valued correctly, but it does not seem to be growing.
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.
In the past 5 years WHF has always been profitable.
In multiple years WHF reported negative operating cash flow during the last 5 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 65.11% of its industry peers.
WHF has a Return On Invested Capital (3.69%) which is comparable to the rest of the industry.
WHF had an Average Return On Invested Capital over the past 3 years of 4.40%. This is below the industry average of 7.17%.
| 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
Looking at the Profit Margin, with a value of 12.91%, WHF is in line with its industry, outperforming 46.38% of the companies in the same industry.
In the last couple of years the Profit Margin of WHF has declined.
The Operating Margin of WHF (36.00%) is better than 66.81% of its industry peers.
WHF's Operating Margin has declined in the last couple of years.
WHF has a Gross Margin (43.86%) which is in line with its industry peers.
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
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.
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's Altman-Z score of 0.34 is on the low side compared to the rest of the industry. WHF is outperformed by 65.96% 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.
WHF's Debt to FCF ratio of 3.32 is fine compared to the rest of the industry. WHF outperforms 76.60% 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 40.85% 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
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: 70.21% 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.
Looking at the Quick ratio, with a value of 0.57, WHF is doing worse than 70.21% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.57 | ||
| Quick Ratio | 0.57 |
3. Growth
3.1 Past
WHF shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -31.48%.
The Earnings Per Share has been growing slightly by 1.13% on average over the past years.
The Revenue for WHF has decreased by -21.66% in the past year. This is quite bad
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.
The Revenue is expected to decrease by -9.73% on average over the next years.
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.
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
The Price/Earnings ratio is 5.82, which indicates a rather cheap valuation of WHF.
Based on the Price/Earnings ratio, WHF is valued cheaply inside the industry as 89.79% of the companies are valued more expensively.
WHF's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.25.
Based on the Price/Forward Earnings ratio of 6.44, the valuation of WHF can be described as very cheap.
WHF's Price/Forward Earnings ratio is rather cheap when compared to the industry. WHF is cheaper than 91.91% of the companies in the same industry.
WHF's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.98.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.82 | ||
| Fwd PE | 6.44 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, WHF is valued cheaply inside the industry as 95.74% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.64 | ||
| 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)5.14
EPS Next 2Y-18.58%
EPS Next 3Y-12.27%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 14.31%, WHF is a good candidate for dividend investing.
WHF's Dividend Yield is rather good when compared to the industry average which is at 6.19. WHF pays more dividend than 89.79% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 1.92, WHF pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 14.31% |
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.
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 (1/12/2026, 8:00:02 PM)
6.87
-0.08 (-1.15%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)
Earnings (Next)
Inst Owners15.71%
Inst Owner Change0%
Ins Owners4.55%
Ins Owner Change10.59%
Market Cap159.66M
Revenue(TTM)76.34M
Net Income(TTM)9.86M
Analysts48.33
Price Target7.82 (13.83%)
Short Float %1.55%
Short Ratio1.51
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 14.31% |
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%
EPS NQ rev (3m)-5.2%
EPS NY rev (1m)0%
EPS NY rev (3m)-3.26%
Revenue NQ rev (1m)-3.48%
Revenue NQ rev (3m)-6.02%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.34%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.82 | ||
| Fwd PE | 6.44 | ||
| P/S | 2.09 | ||
| P/FCF | 1.64 | ||
| P/OCF | 1.64 | ||
| P/B | 0.6 | ||
| P/tB | 0.6 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.18
EY17.18%
EPS(NY)1.07
Fwd EY15.52%
FCF(TTM)4.19
FCFY61%
OCF(TTM)4.19
OCFY61%
SpS3.28
BVpS11.41
TBVpS11.41
PEG (NY)N/A
PEG (5Y)5.14
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%.