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Also traded in: Canada, Germany

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 : 6/10

vs
industry
vs
history
Cash-to-Debt No Debt
HMCBF's Cash-to-Debt is ranked higher than
97% of the 1495 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.97 vs. HMCBF: No Debt )
Ranked among companies with meaningful Cash-to-Debt only.
HMCBF' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.03  Med: 3.11 Max: No Debt
Current: No Debt
Equity-to-Asset 0.08
HMCBF's Equity-to-Asset is ranked lower than
72% of the 1496 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.10 vs. HMCBF: 0.08 )
Ranked among companies with meaningful Equity-to-Asset only.
HMCBF' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.04  Med: 0.07 Max: 0.08
Current: 0.08
0.04
0.08
Interest Coverage 0.87
HMCBF's Interest Coverage is ranked lower than
68% of the 1758 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.61 vs. HMCBF: 0.87 )
Ranked among companies with meaningful Interest Coverage only.
HMCBF' s Interest Coverage Range Over the Past 10 Years
Min: 0.6  Med: 0.78 Max: 1.05
Current: 0.87
0.6
1.05
WACC vs ROIC
24.91%
61.16%
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 : 6/10

vs
industry
vs
history
Operating Margin % 57.59
HMCBF's Operating Margin % is ranked higher than
92% of the 1511 Companies
in the Global Specialty Finance industry.

( Industry Median: 30.68 vs. HMCBF: 57.59 )
Ranked among companies with meaningful Operating Margin % only.
HMCBF' s Operating Margin % Range Over the Past 10 Years
Min: 57.59  Med: 69.02 Max: 70.42
Current: 57.59
57.59
70.42
Net Margin % 42.51
HMCBF's Net Margin % is ranked higher than
89% of the 1510 Companies
in the Global Specialty Finance industry.

( Industry Median: 21.91 vs. HMCBF: 42.51 )
Ranked among companies with meaningful Net Margin % only.
HMCBF' s Net Margin % Range Over the Past 10 Years
Min: 42.51  Med: 48.6 Max: 52.82
Current: 42.51
42.51
52.82
ROE % 15.39
HMCBF's ROE % is ranked higher than
86% of the 1509 Companies
in the Global Specialty Finance industry.

( Industry Median: 8.30 vs. HMCBF: 15.39 )
Ranked among companies with meaningful ROE % only.
HMCBF' s ROE % Range Over the Past 10 Years
Min: 15.28  Med: 25.43 Max: 28.88
Current: 15.39
15.28
28.88
ROA % 1.20
HMCBF's ROA % is ranked higher than
74% of the 1518 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.87 vs. HMCBF: 1.20 )
Ranked among companies with meaningful ROA % only.
HMCBF' s ROA % Range Over the Past 10 Years
Min: 1.14  Med: 1.38 Max: 2.19
Current: 1.2
1.14
2.19
3-Year Revenue Growth Rate 7.10
HMCBF's 3-Year Revenue Growth Rate is ranked higher than
66% of the 1316 Companies
in the Global Specialty Finance industry.

( Industry Median: 3.90 vs. HMCBF: 7.10 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
HMCBF' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: 7.1  Med: 17.9 Max: 35.1
Current: 7.1
7.1
35.1
3-Year EBITDA Growth Rate 0.70
HMCBF's 3-Year EBITDA Growth Rate is ranked lower than
68% of the 1228 Companies
in the Global Specialty Finance industry.

( Industry Median: 6.20 vs. HMCBF: 0.70 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
HMCBF' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: 0.7  Med: 23.2 Max: 41.1
Current: 0.7
0.7
41.1
3-Year EPS without NRI Growth Rate 0.50
HMCBF's 3-Year EPS without NRI Growth Rate is ranked lower than
70% of the 1184 Companies
in the Global Specialty Finance industry.

( Industry Median: 7.30 vs. HMCBF: 0.50 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
HMCBF' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: 0.5  Med: 28.6 Max: 44.2
Current: 0.5
0.5
44.2
GuruFocus has detected 2 Warning Signs with Home Capital Group Inc $HMCBF.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» HMCBF's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

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Business Description

Industry: Banks » Specialty Finance    NAICS: 522210    SIC: 7221
Compare:NYSE:WD, NAS:TREE, NYSE:HTGC, NYSE:NSM, OTCPK:PARGF, OTCPK:FMCC, NYSE:GSBD, NYSE:OCN, NYSE:EFC, NYSE:PFSI, NYSE:AI, NAS:ATAX, NAS:MRLN, NAS:MRCC, NYSE:SGM, AMEX:IMH, OTCPK:FCBK, OTCPK:CXSNF, NAS:MMAC, NYSE:HTH » details
Traded in other countries:HCG.Canada, 7HC.Germany,
Home Capital Group Inc is a holding company and operates through its principal subsidiary, Home Trust Company. Home Trust is a federally regulated trust company offering deposit; mortgage lending, retail credit and credit card issuing services.

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.

Ratios

vs
industry
vs
history
PE Ratio 7.46
HMCBF's PE Ratio is ranked higher than
84% of the 1941 Companies
in the Global Specialty Finance industry.

( Industry Median: 13.56 vs. HMCBF: 7.46 )
Ranked among companies with meaningful PE Ratio only.
HMCBF' s PE Ratio Range Over the Past 10 Years
Min: 4.65  Med: 9.82 Max: 20.43
Current: 7.46
4.65
20.43
Forward PE Ratio 6.73
HMCBF's Forward PE Ratio is ranked higher than
92% of the 526 Companies
in the Global Specialty Finance industry.

( Industry Median: 14.33 vs. HMCBF: 6.73 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 7.46
HMCBF's PE Ratio without NRI is ranked higher than
84% of the 1635 Companies
in the Global Specialty Finance industry.

( Industry Median: 14.25 vs. HMCBF: 7.46 )
Ranked among companies with meaningful PE Ratio without NRI only.
HMCBF' s PE Ratio without NRI Range Over the Past 10 Years
Min: 4.63  Med: 9.77 Max: 19.97
Current: 7.46
4.63
19.97
Price-to-Owner-Earnings 3.51
HMCBF's Price-to-Owner-Earnings is ranked higher than
85% of the 905 Companies
in the Global Specialty Finance industry.

( Industry Median: 14.04 vs. HMCBF: 3.51 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
HMCBF' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 1.87  Med: 6.23 Max: 20.24
Current: 3.51
1.87
20.24
PB Ratio 1.10
HMCBF's PB Ratio is ranked higher than
55% of the 1810 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.17 vs. HMCBF: 1.10 )
Ranked among companies with meaningful PB Ratio only.
HMCBF' s PB Ratio Range Over the Past 10 Years
Min: 1  Med: 2.3 Max: 5.23
Current: 1.1
1
5.23
PS Ratio 3.19
HMCBF's PS Ratio is ranked higher than
53% of the 1833 Companies
in the Global Specialty Finance industry.

( Industry Median: 3.32 vs. HMCBF: 3.19 )
Ranked among companies with meaningful PS Ratio only.
HMCBF' s PS Ratio Range Over the Past 10 Years
Min: 2.35  Med: 4.91 Max: 8.22
Current: 3.19
2.35
8.22
Price-to-Free-Cash-Flow 3.59
HMCBF's Price-to-Free-Cash-Flow is ranked higher than
75% of the 1008 Companies
in the Global Specialty Finance industry.

( Industry Median: 11.76 vs. HMCBF: 3.59 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
HMCBF' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 2.04  Med: 8.14 Max: 106.19
Current: 3.59
2.04
106.19
Price-to-Operating-Cash-Flow 3.44
HMCBF's Price-to-Operating-Cash-Flow is ranked higher than
75% of the 1096 Companies
in the Global Specialty Finance industry.

( Industry Median: 10.62 vs. HMCBF: 3.44 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
HMCBF' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 1.98  Med: 8 Max: 49.37
Current: 3.44
1.98
49.37
EV-to-EBIT 1.72
HMCBF's EV-to-EBIT is ranked higher than
91% of the 1558 Companies
in the Global Specialty Finance industry.

( Industry Median: 11.64 vs. HMCBF: 1.72 )
Ranked among companies with meaningful EV-to-EBIT only.
HMCBF' s EV-to-EBIT Range Over the Past 10 Years
Min: 0.1  Med: 6.3 Max: 45.6
Current: 1.72
0.1
45.6
EV-to-EBITDA 1.72
HMCBF's EV-to-EBITDA is ranked higher than
90% of the 1576 Companies
in the Global Specialty Finance industry.

( Industry Median: 10.00 vs. HMCBF: 1.72 )
Ranked among companies with meaningful EV-to-EBITDA only.
HMCBF' s EV-to-EBITDA Range Over the Past 10 Years
Min: 0.1  Med: 6.1 Max: 44.9
Current: 1.72
0.1
44.9
PEG Ratio 1.12
HMCBF's PEG Ratio is ranked higher than
58% of the 780 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.43 vs. HMCBF: 1.12 )
Ranked among companies with meaningful PEG Ratio only.
HMCBF' s PEG Ratio Range Over the Past 10 Years
Min: 0.16  Med: 0.52 Max: 1.14
Current: 1.12
0.16
1.14
Shiller PE Ratio 8.99
HMCBF's Shiller PE Ratio is ranked higher than
90% of the 496 Companies
in the Global Specialty Finance industry.

( Industry Median: 20.63 vs. HMCBF: 8.99 )
Ranked among companies with meaningful Shiller PE Ratio only.
HMCBF' s Shiller PE Ratio Range Over the Past 10 Years
Min: 8.06  Med: 18.82 Max: 44.24
Current: 8.99
8.06
44.24

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 3.67
HMCBF's Dividend Yield % is ranked higher than
69% of the 2303 Companies
in the Global Specialty Finance industry.

( Industry Median: 2.69 vs. HMCBF: 3.67 )
Ranked among companies with meaningful Dividend Yield % only.
HMCBF' s Dividend Yield % Range Over the Past 10 Years
Min: 0.51  Med: 1.47 Max: 3.85
Current: 3.67
0.51
3.85
Dividend Payout Ratio 0.26
HMCBF's Dividend Payout Ratio is ranked higher than
64% of the 1315 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.33 vs. HMCBF: 0.26 )
Ranked among companies with meaningful Dividend Payout Ratio only.
HMCBF' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.14  Med: 0.15 Max: 0.26
Current: 0.26
0.14
0.26
3-Year Dividend Growth Rate 22.00
HMCBF's 3-Year Dividend Growth Rate is ranked higher than
78% of the 772 Companies
in the Global Specialty Finance industry.

( Industry Median: 7.60 vs. HMCBF: 22.00 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
HMCBF' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 0  Med: 24.3 Max: 58.4
Current: 22
0
58.4
Forward Dividend Yield % 3.80
HMCBF's Forward Dividend Yield % is ranked higher than
69% of the 2274 Companies
in the Global Specialty Finance industry.

( Industry Median: 2.95 vs. HMCBF: 3.80 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 8.47
HMCBF's 5-Year Yield-on-Cost % is ranked higher than
86% of the 2649 Companies
in the Global Specialty Finance industry.

( Industry Median: 3.27 vs. HMCBF: 8.47 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
HMCBF' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 1.18  Med: 3.39 Max: 8.88
Current: 8.47
1.18
8.88
3-Year Average Share Buyback Ratio 2.50
HMCBF's 3-Year Average Share Buyback Ratio is ranked higher than
92% of the 1010 Companies
in the Global Specialty Finance industry.

( Industry Median: -1.60 vs. HMCBF: 2.50 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
HMCBF' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -11.5  Med: -0.4 Max: 3.4
Current: 2.5
-11.5
3.4

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.19
HMCBF's Price-to-Tangible-Book is ranked higher than
53% of the 1798 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.25 vs. HMCBF: 1.19 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
HMCBF' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 1.19  Med: 2.49 Max: 6.51
Current: 1.19
1.19
6.51
Price-to-Intrinsic-Value-Projected-FCF 0.44
HMCBF's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
81% of the 1104 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.80 vs. HMCBF: 0.44 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
HMCBF' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.44  Med: 1.37 Max: 3.39
Current: 0.44
0.44
3.39
Price-to-Intrinsic-Value-DCF (Earnings Based) 0.36
HMCBF's Price-to-Intrinsic-Value-DCF (Earnings Based) is ranked higher than
88% of the 170 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.78 vs. HMCBF: 0.36 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-DCF (Earnings Based) only.
N/A
Price-to-Median-PS-Value 0.65
HMCBF's Price-to-Median-PS-Value is ranked higher than
93% of the 1693 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.15 vs. HMCBF: 0.65 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
HMCBF' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.48  Med: 0.95 Max: 1.97
Current: 0.65
0.48
1.97
Price-to-Peter-Lynch-Fair-Value 1.01
HMCBF's Price-to-Peter-Lynch-Fair-Value is ranked higher than
58% of the 533 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.15 vs. HMCBF: 1.01 )
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
HMCBF' s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 0.25  Med: 0.6 Max: 1.14
Current: 1.01
0.25
1.14
Price-to-Graham-Number 0.63
HMCBF's Price-to-Graham-Number is ranked higher than
73% of the 1556 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.93 vs. HMCBF: 0.63 )
Ranked among companies with meaningful Price-to-Graham-Number only.
HMCBF' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.61  Med: 1.09 Max: 2.67
Current: 0.63
0.61
2.67
Earnings Yield (Greenblatt) % 58.14
HMCBF's Earnings Yield (Greenblatt) % is ranked higher than
93% of the 2086 Companies
in the Global Specialty Finance industry.

( Industry Median: 6.41 vs. HMCBF: 58.14 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
HMCBF' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 2.2  Med: 16 Max: 2290.2
Current: 58.14
2.2
2290.2
Forward Rate of Return (Yacktman) % 23.99
HMCBF's Forward Rate of Return (Yacktman) % is ranked higher than
77% of the 891 Companies
in the Global Specialty Finance industry.

( Industry Median: 11.45 vs. HMCBF: 23.99 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
HMCBF' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: 12  Med: 22.65 Max: 44.7
Current: 23.99
12
44.7

More Statistics

Revenue (TTM) (Mil) $442.9
EPS (TTM) $ 2.83
Beta1.34
Short Percentage of Float0.00%
52-Week Range $18.13 - 31.37
Shares Outstanding (Mil)64.39

Analyst Estimate

Dec17 Dec18
Revenue (Mil $)
EPS ($) 3.05 3.27
EPS without NRI ($) 3.05 3.27
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($)
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