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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 5/10

vs
industry
vs
history
Cash to Debt 5.72
HMCBF's Cash to Debt is ranked higher than
63% of the 973 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.48 vs. HMCBF: 5.72 )
Ranked among companies with meaningful Cash to Debt only.
HMCBF' s 10-Year Cash to Debt Range
Min: 0  Med: 3.27 Max: No Debt
Current: 5.72
Equity to Asset 0.07
HMCBF's Equity to Asset is ranked lower than
77% of the 1290 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.10 vs. HMCBF: 0.07 )
Ranked among companies with meaningful Equity to Asset only.
HMCBF' s 10-Year Equity to Asset Range
Min: 0.04  Med: 0.06 Max: 0.09
Current: 0.07
0.04
0.09
Interest Coverage 0.93
HMCBF's Interest Coverage is ranked lower than
65% of the 1205 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.69 vs. HMCBF: 0.93 )
Ranked among companies with meaningful Interest Coverage only.
HMCBF' s 10-Year Interest Coverage Range
Min: 0.09  Med: 0.66 Max: 0.99
Current: 0.93
0.09
0.99
F-Score: 4
WACC vs ROIC
23.14%
17.88%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 8/10

vs
industry
vs
history
Operating margin (%) 70.11
HMCBF's Operating margin (%) is ranked higher than
97% of the 1357 Companies
in the Global Specialty Finance industry.

( Industry Median: 29.54 vs. HMCBF: 70.11 )
Ranked among companies with meaningful Operating margin (%) only.
HMCBF' s 10-Year Operating margin (%) Range
Min: -2.78  Med: 59.42 Max: 70.42
Current: 70.11
-2.78
70.42
Net-margin (%) 52.63
HMCBF's Net-margin (%) is ranked higher than
94% of the 1356 Companies
in the Global Specialty Finance industry.

( Industry Median: 21.24 vs. HMCBF: 52.63 )
Ranked among companies with meaningful Net-margin (%) only.
HMCBF' s 10-Year Net-margin (%) Range
Min: 0.93  Med: 40.55 Max: 52.82
Current: 52.63
0.93
52.82
ROE (%) 23.01
HMCBF's ROE (%) is ranked higher than
95% of the 1355 Companies
in the Global Specialty Finance industry.

( Industry Median: 8.13 vs. HMCBF: 23.01 )
Ranked among companies with meaningful ROE (%) only.
HMCBF' s 10-Year ROE (%) Range
Min: 6  Med: 25.39 Max: 31.94
Current: 23.01
6
31.94
ROA (%) 1.55
HMCBF's ROA (%) is ranked higher than
84% of the 1364 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.80 vs. HMCBF: 1.55 )
Ranked among companies with meaningful ROA (%) only.
HMCBF' s 10-Year ROA (%) Range
Min: 0.35  Med: 1.47 Max: 2.19
Current: 1.55
0.35
2.19
ROC (Joel Greenblatt) (%) 11007.76
HMCBF's ROC (Joel Greenblatt) (%) is ranked higher than
99% of the 1348 Companies
in the Global Specialty Finance industry.

( Industry Median: 74.52 vs. HMCBF: 11007.76 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
HMCBF' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 1175  Med: 2602.65 Max: 5019.56
Current: 11007.76
1175
5019.56
Revenue Growth (3Y)(%) 16.70
HMCBF's Revenue Growth (3Y)(%) is ranked higher than
90% of the 1149 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.70 vs. HMCBF: 16.70 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
HMCBF' s 10-Year Revenue Growth (3Y)(%) Range
Min: 3.6  Med: 18.80 Max: 35.7
Current: 16.7
3.6
35.7
EBITDA Growth (3Y)(%) 16.30
HMCBF's EBITDA Growth (3Y)(%) is ranked higher than
74% of the 1011 Companies
in the Global Specialty Finance industry.

( Industry Median: 7.10 vs. HMCBF: 16.30 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
HMCBF' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0  Med: 27.00 Max: 73.8
Current: 16.3
0
73.8
EPS Growth (3Y)(%) 17.70
HMCBF's EPS Growth (3Y)(%) is ranked higher than
69% of the 1020 Companies
in the Global Specialty Finance industry.

( Industry Median: 9.20 vs. HMCBF: 17.70 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
HMCBF' s 10-Year EPS Growth (3Y)(%) Range
Min: 15.3  Med: 31.10 Max: 221.8
Current: 17.7
15.3
221.8
» HMCBF's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Insider Trades

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Ratios

vs
industry
vs
history
P/E(ttm) 9.61
HMCBF's P/E(ttm) is ranked higher than
78% of the 1244 Companies
in the Global Specialty Finance industry.

( Industry Median: 14.30 vs. HMCBF: 9.61 )
Ranked among companies with meaningful P/E(ttm) only.
HMCBF' s 10-Year P/E(ttm) Range
Min: 5.17  Med: 11.27 Max: 28.31
Current: 9.61
5.17
28.31
Forward P/E 8.90
HMCBF's Forward P/E is ranked higher than
78% of the 750 Companies
in the Global Specialty Finance industry.

( Industry Median: 12.38 vs. HMCBF: 8.90 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 9.60
HMCBF's PE(NRI) is ranked higher than
78% of the 1217 Companies
in the Global Specialty Finance industry.

( Industry Median: 14.30 vs. HMCBF: 9.60 )
Ranked among companies with meaningful PE(NRI) only.
HMCBF' s 10-Year PE(NRI) Range
Min: 5.19  Med: 11.26 Max: 28.05
Current: 9.6
5.19
28.05
P/B 2.04
HMCBF's P/B is ranked lower than
89% of the 1351 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.12 vs. HMCBF: 2.04 )
Ranked among companies with meaningful P/B only.
HMCBF' s 10-Year P/B Range
Min: 1.28  Med: 2.56 Max: 7.48
Current: 2.04
1.28
7.48
P/S 5.10
HMCBF's P/S is ranked lower than
80% of the 1422 Companies
in the Global Specialty Finance industry.

( Industry Median: 2.99 vs. HMCBF: 5.10 )
Ranked among companies with meaningful P/S only.
HMCBF' s 10-Year P/S Range
Min: 2.43  Med: 5.62 Max: 11.43
Current: 5.1
2.43
11.43
EV-to-EBIT 5.29
HMCBF's EV-to-EBIT is ranked higher than
90% of the 1366 Companies
in the Global Specialty Finance industry.

( Industry Median: 14.30 vs. HMCBF: 5.29 )
Ranked among companies with meaningful EV-to-EBIT only.
HMCBF' s 10-Year EV-to-EBIT Range
Min: 0.1  Med: 7.30 Max: 47.5
Current: 5.29
0.1
47.5
PEG 0.62
HMCBF's PEG is ranked higher than
76% of the 542 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.12 vs. HMCBF: 0.62 )
Ranked among companies with meaningful PEG only.
HMCBF' s 10-Year PEG Range
Min: 0.18  Med: 0.53 Max: 0.93
Current: 0.62
0.18
0.93
Shiller P/E 13.28
HMCBF's Shiller P/E is ranked higher than
71% of the 771 Companies
in the Global Specialty Finance industry.

( Industry Median: 17.62 vs. HMCBF: 13.28 )
Ranked among companies with meaningful Shiller P/E only.
HMCBF' s 10-Year Shiller P/E Range
Min: 7.98  Med: 16.26 Max: 54.39
Current: 13.28
7.98
54.39
Days Sales Outstanding 117.82
HMCBF's Days Sales Outstanding is ranked lower than
79% of the 770 Companies
in the Global Specialty Finance industry.

( Industry Median: 35.19 vs. HMCBF: 117.82 )
Ranked among companies with meaningful Days Sales Outstanding only.
HMCBF' s 10-Year Days Sales Outstanding Range
Min: 8  Med: 99.11 Max: 322.68
Current: 117.82
8
322.68

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.01
HMCBF's Dividend Yield is ranked lower than
63% of the 2112 Companies
in the Global Specialty Finance industry.

( Industry Median: 2.57 vs. HMCBF: 2.01 )
Ranked among companies with meaningful Dividend Yield only.
HMCBF' s 10-Year Dividend Yield Range
Min: 0.33  Med: 1.32 Max: 3.09
Current: 2.01
0.33
3.09
Dividend Payout 0.17
HMCBF's Dividend Payout is ranked higher than
81% of the 1248 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.24 vs. HMCBF: 0.17 )
Ranked among companies with meaningful Dividend Payout only.
HMCBF' s 10-Year Dividend Payout Range
Min: 0.07  Med: 0.13 Max: 0.28
Current: 0.17
0.07
0.28
Dividend growth (3y) 13.40
HMCBF's Dividend growth (3y) is ranked higher than
66% of the 640 Companies
in the Global Specialty Finance industry.

( Industry Median: 7.20 vs. HMCBF: 13.40 )
Ranked among companies with meaningful Dividend growth (3y) only.
HMCBF' s 10-Year Dividend growth (3y) Range
Min: 0  Med: 23.60 Max: 91.3
Current: 13.4
0
91.3
Yield on cost (5-Year) 4.62
HMCBF's Yield on cost (5-Year) is ranked higher than
74% of the 2110 Companies
in the Global Specialty Finance industry.

( Industry Median: 2.91 vs. HMCBF: 4.62 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
HMCBF' s 10-Year Yield on cost (5-Year) Range
Min: 0.76  Med: 3.03 Max: 7.1
Current: 4.62
0.76
7.1
Share Buyback Rate -0.40
HMCBF's Share Buyback Rate is ranked higher than
63% of the 931 Companies
in the Global Specialty Finance industry.

( Industry Median: -1.50 vs. HMCBF: -0.40 )
Ranked among companies with meaningful Share Buyback Rate only.
HMCBF' s 10-Year Share Buyback Rate Range
Min: 0.7  Med: -0.40 Max: -16.1
Current: -0.4

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.23
HMCBF's Price/Tangible Book is ranked lower than
86% of the 1331 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.18 vs. HMCBF: 2.23 )
Ranked among companies with meaningful Price/Tangible Book only.
HMCBF' s 10-Year Price/Tangible Book Range
Min: 0.46  Med: 2.43 Max: 6.58
Current: 2.23
0.46
6.58
Price/Projected FCF 1.32
HMCBF's Price/Projected FCF is ranked lower than
86% of the 775 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.68 vs. HMCBF: 1.32 )
Ranked among companies with meaningful Price/Projected FCF only.
HMCBF' s 10-Year Price/Projected FCF Range
Min: 0.44  Med: 1.26 Max: 21.39
Current: 1.32
0.44
21.39
Price/DCF (Earnings Based) 0.34
HMCBF's Price/DCF (Earnings Based) is ranked higher than
85% of the 54 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.78 vs. HMCBF: 0.34 )
Ranked among companies with meaningful Price/DCF (Earnings Based) only.
N/A
Price/Median PS Value 0.89
HMCBF's Price/Median PS Value is ranked higher than
78% of the 1286 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.11 vs. HMCBF: 0.89 )
Ranked among companies with meaningful Price/Median PS Value only.
HMCBF' s 10-Year Price/Median PS Value Range
Min: 0.13  Med: 0.86 Max: 1.77
Current: 0.89
0.13
1.77
Price/Peter Lynch Fair Value 0.65
HMCBF's Price/Peter Lynch Fair Value is ranked higher than
77% of the 357 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.99 vs. HMCBF: 0.65 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
HMCBF' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.25  Med: 0.58 Max: 1
Current: 0.65
0.25
1
Price/Graham Number 0.93
HMCBF's Price/Graham Number is ranked lower than
58% of the 1154 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.88 vs. HMCBF: 0.93 )
Ranked among companies with meaningful Price/Graham Number only.
HMCBF' s 10-Year Price/Graham Number Range
Min: 0.4  Med: 1.05 Max: 2.71
Current: 0.93
0.4
2.71
Earnings Yield (Greenblatt) (%) 18.87
HMCBF's Earnings Yield (Greenblatt) (%) is ranked higher than
91% of the 1364 Companies
in the Global Specialty Finance industry.

( Industry Median: 6.40 vs. HMCBF: 18.87 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
HMCBF' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 2.1  Med: 13.70 Max: 4593.6
Current: 18.87
2.1
4593.6
Forward Rate of Return (Yacktman) (%) 21.24
HMCBF's Forward Rate of Return (Yacktman) (%) is ranked higher than
66% of the 770 Companies
in the Global Specialty Finance industry.

( Industry Median: 13.43 vs. HMCBF: 21.24 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
HMCBF' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: 11.8  Med: 30.90 Max: 44.8
Current: 21.24
11.8
44.8

Business Description

Industry: Banks » Specialty Finance
Compare: » details
Traded in other countries:HCG.Canada, 7HC.Germany,
Home Capital Group Inc was formed on June 21, 1968, and is incorporated and domiciled in Canada. The Company operates through its federally regulated subsidiary, Home trust Company (Home trust), which offers deposits, residential and non-residential mortgage lending, securitization of insured residential first mortgage products, consumer lending, Visa products and payment card services. Licensed to conduct business across Canada, Home trust has branch offices in ontario, Alberta, British Columbia, nova Scotia and Quebec.
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