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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 : 6/10

vs
industry
vs
history
Cash to Debt 0.02
MFI's Cash to Debt is ranked lower than
55% of the 124 Companies
in the Global Credit Services industry.

( Industry Median: 0.12 vs. MFI: 0.02 )
MFI' s 10-Year Cash to Debt Range
Min: 0   Max: No Debt
Current: 0.02

Equity to Asset 0.51
MFI's Equity to Asset is ranked higher than
84% of the 121 Companies
in the Global Credit Services industry.

( Industry Median: 0.25 vs. MFI: 0.51 )
MFI' s 10-Year Equity to Asset Range
Min: 0.27   Max: 0.95
Current: 0.51

0.27
0.95
Interest Coverage 5.82
MFI's Interest Coverage is ranked higher than
80% of the 110 Companies
in the Global Credit Services industry.

( Industry Median: 3.32 vs. MFI: 5.82 )
MFI' s 10-Year Interest Coverage Range
Min: 1.75   Max: 9999.99
Current: 5.82

1.75
9999.99
F-Score: 4
Z-Score: 1.22
M-Score: -4.75
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 : 7/10

vs
industry
vs
history
Operating margin (%) 25.91
MFI's Operating margin (%) is ranked higher than
71% of the 129 Companies
in the Global Credit Services industry.

( Industry Median: 25.26 vs. MFI: 25.91 )
MFI' s 10-Year Operating margin (%) Range
Min: -47.02   Max: 30.46
Current: 25.91

-47.02
30.46
Net-margin (%) 15.76
MFI's Net-margin (%) is ranked higher than
66% of the 131 Companies
in the Global Credit Services industry.

( Industry Median: 16.25 vs. MFI: 15.76 )
MFI' s 10-Year Net-margin (%) Range
Min: -17.42   Max: 19.58
Current: 15.76

-17.42
19.58
ROE (%) 11.35
MFI's ROE (%) is ranked higher than
71% of the 132 Companies
in the Global Credit Services industry.

( Industry Median: 11.35 vs. MFI: 11.35 )
MFI' s 10-Year ROE (%) Range
Min: -25.52   Max: 40.44
Current: 11.35

-25.52
40.44
ROA (%) 5.51
MFI's ROA (%) is ranked higher than
86% of the 133 Companies
in the Global Credit Services industry.

( Industry Median: 2.80 vs. MFI: 5.51 )
MFI' s 10-Year ROA (%) Range
Min: -14.33   Max: 8.74
Current: 5.51

-14.33
8.74
ROC (Joel Greenblatt) (%) 1001.69
MFI's ROC (Joel Greenblatt) (%) is ranked higher than
91% of the 127 Companies
in the Global Credit Services industry.

( Industry Median: 33.24 vs. MFI: 1001.69 )
MFI' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -3764.19   Max: 1233.76
Current: 1001.69

-3764.19
1233.76
Revenue Growth (%) 7.60
MFI's Revenue Growth (%) is ranked higher than
71% of the 113 Companies
in the Global Credit Services industry.

( Industry Median: 5.80 vs. MFI: 7.60 )
MFI' s 10-Year Revenue Growth (%) Range
Min: -33.5   Max: 16.3
Current: 7.6

-33.5
16.3
EBITDA Growth (%) 26.50
MFI's EBITDA Growth (%) is ranked higher than
95% of the 97 Companies
in the Global Credit Services industry.

( Industry Median: 10.10 vs. MFI: 26.50 )
MFI' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: 26.5
Current: 26.5

0
26.5
EPS Growth (%) 30.20
MFI's EPS Growth (%) is ranked higher than
88% of the 94 Companies
in the Global Credit Services industry.

( Industry Median: 17.30 vs. MFI: 30.20 )
MFI' s 10-Year EPS Growth (%) Range
Min: -58.8   Max: 30.2
Current: 30.2

-58.8
30.2
» MFI's 10-Y Financials

Financials


Revenue & Net Income
Cash & Debt
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q1 2013

MFI Guru Trades in Q1 2013

Jim Simons 364,332 sh (+3.82%)
» More
Q2 2013

MFI Guru Trades in Q2 2013

Jim Simons 394,435 sh (+8.26%)
» More
Q3 2013

MFI Guru Trades in Q3 2013

Jim Simons 388,000 sh (-1.63%)
» More
Q4 2013

MFI Guru Trades in Q4 2013

Jim Simons 402,456 sh (+3.73%)
» More
» Details

Insider Trades

Latest Guru Trades with MFI



No Insider Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 11.90
MFI's P/E(ttm) is ranked higher than
62% of the 118 Companies
in the Global Credit Services industry.

( Industry Median: 12.40 vs. MFI: 11.90 )
MFI' s 10-Year P/E(ttm) Range
Min: 4.77   Max: 31.53
Current: 11.9

4.77
31.53
P/B 1.40
MFI's P/B is ranked higher than
63% of the 132 Companies
in the Global Credit Services industry.

( Industry Median: 1.40 vs. MFI: 1.40 )
MFI' s 10-Year P/B Range
Min: 0.25   Max: 1.74
Current: 1.4

0.25
1.74
P/S 1.90
MFI's P/S is ranked higher than
70% of the 126 Companies
in the Global Credit Services industry.

( Industry Median: 2.50 vs. MFI: 1.90 )
MFI' s 10-Year P/S Range
Min: 0.18   Max: 2.96
Current: 1.9

0.18
2.96
PFCF 1.30
MFI's PFCF is ranked higher than
90% of the 72 Companies
in the Global Credit Services industry.

( Industry Median: 7.30 vs. MFI: 1.30 )
MFI' s 10-Year PFCF Range
Min: 0.22   Max: 24.31
Current: 1.3

0.22
24.31
EV-to-EBIT 11.60
MFI's EV-to-EBIT is ranked higher than
81% of the 119 Companies
in the Global Credit Services industry.

( Industry Median: 16.90 vs. MFI: 11.60 )
MFI' s 10-Year EV-to-EBIT Range
Min: 2.5   Max: 17.7
Current: 11.6

2.5
17.7
PEG 0.60
MFI's PEG is ranked higher than
70% of the 80 Companies
in the Global Credit Services industry.

( Industry Median: 1.09 vs. MFI: 0.60 )
MFI' s 10-Year PEG Range
Min: 0.37   Max: 150.5
Current: 0.6

0.37
150.5
Shiller P/E 15.50
MFI's Shiller P/E is ranked higher than
67% of the 76 Companies
in the Global Credit Services industry.

( Industry Median: 18.31 vs. MFI: 15.50 )
MFI' s 10-Year Shiller P/E Range
Min: 11.76   Max: 117.25
Current: 15.5

11.76
117.25

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.30
MFI's Dividend Yield is ranked higher than
65% of the 96 Companies
in the Global Credit Services industry.

( Industry Median: 2.24 vs. MFI: 3.30 )
MFI' s 10-Year Dividend Yield Range
Min: 1.05   Max: 11.98
Current: 3.3

1.05
11.98
Dividend Payout 0.38
MFI's Dividend Payout is ranked higher than
63% of the 87 Companies
in the Global Credit Services industry.

( Industry Median: 0.31 vs. MFI: 0.38 )
MFI' s 10-Year Dividend Payout Range
Min: 0.1   Max: 1.67
Current: 0.38

0.1
1.67
Dividend growth (3y) 17.00
MFI's Dividend growth (3y) is ranked higher than
86% of the 72 Companies
in the Global Credit Services industry.

( Industry Median: 9.40 vs. MFI: 17.00 )
MFI' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 18.6
Current: 17

0
18.6
Yield on cost (5-Year) 4.55
MFI's Yield on cost (5-Year) is ranked higher than
65% of the 98 Companies
in the Global Credit Services industry.

( Industry Median: 2.94 vs. MFI: 4.55 )
MFI' s 10-Year Yield on cost (5-Year) Range
Min: 1.49   Max: 17.04
Current: 4.55

1.49
17.04
Share Buyback Rate -1.00
MFI's Share Buyback Rate is ranked higher than
74% of the 98 Companies
in the Global Credit Services industry.

( Industry Median: -1.50 vs. MFI: -1.00 )
MFI' s 10-Year Share Buyback Rate Range
Min: 0.2   Max: -8.9
Current: -1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.40
MFI's Price/Tangible Book is ranked higher than
65% of the 127 Companies
in the Global Credit Services industry.

( Industry Median: 1.70 vs. MFI: 1.40 )
MFI' s 10-Year Price/Tangible Book Range
Min: 0.11   Max: 2.44
Current: 1.4

0.11
2.44
Price/DCF (Projected) 0.10
MFI's Price/DCF (Projected) is ranked higher than
97% of the 60 Companies
in the Global Credit Services industry.

( Industry Median: 0.70 vs. MFI: 0.10 )
MFI' s 10-Year Price/DCF (Projected) Range
Min: 0.06   Max: 0.23
Current: 0.1

0.06
0.23
Price/Median PS Value 1.50
MFI's Price/Median PS Value is ranked lower than
60% of the 119 Companies
in the Global Credit Services industry.

( Industry Median: 1.20 vs. MFI: 1.50 )
MFI' s 10-Year Price/Median PS Value Range
Min: 0.06   Max: 3.31
Current: 1.5

0.06
3.31
Price/Peter Lynch Fair Value 0.50
MFI's Price/Peter Lynch Fair Value is ranked higher than
72% of the 39 Companies
in the Global Credit Services industry.

( Industry Median: 0.70 vs. MFI: 0.50 )
MFI' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.46   Max: 1.93
Current: 0.5

0.46
1.93
Price/Graham Number 0.90
MFI's Price/Graham Number is ranked higher than
60% of the 116 Companies
in the Global Credit Services industry.

( Industry Median: 0.90 vs. MFI: 0.90 )
MFI' s 10-Year Price/Graham Number Range
Min: 0.31   Max: 1.12
Current: 0.9

0.31
1.12
Earnings Yield (Greenblatt) 8.60
MFI's Earnings Yield (Greenblatt) is ranked higher than
83% of the 127 Companies
in the Global Credit Services industry.

( Industry Median: 5.50 vs. MFI: 8.60 )
MFI' s 10-Year Earnings Yield (Greenblatt) Range
Min: 5.7   Max: 40.5
Current: 8.6

5.7
40.5
Forward Rate of Return (Yacktman) 70.32
MFI's Forward Rate of Return (Yacktman) is ranked higher than
96% of the 102 Companies
in the Global Credit Services industry.

( Industry Median: 12.04 vs. MFI: 70.32 )
MFI' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 42.7   Max: 181
Current: 70.32

42.7
181

Business Description

Industry: Credit Services » Credit Services
Compare:V, MA, TCAP, COF, RDCRL » details
MicroFinancial, Inc., was formed as a Massachusetts corporation on January 27, 1987. The Company operates mainly through its wholly-owned subsidiaries, TimePayment Corp. (TimePayment) and Leasecomm Corporation (Leasecomm). TimePayment is a commercial finance company that leases and rents 'microticket' equipment and provides other financing services. Leasecomm started originating leases in January 1986 and in October 2002 suspended virtually all originations due to an interruption in financing. The Company provides financing alternatives to a range of lessees ranging from start-up businesses to established enterprises. It mainly leases and rents low-priced commercial equipment, which is used by these lessees in their daily operations. It does not market its services directly to lessees. The Company mainly sources its originations through a nationwide network of independent equipment vendors, sales organizations, brokers and other dealer-based origination networks. It funds its operations through cash provided by operating activities and borrowings under its revolving line of credit. The Company originates leases for products that typically have limited distribution channels and high selling costs. The Company facilitates sales of such products by allowing dealers to make them available to their customers for a small monthly lease payment rather than a higher initial purchase price. It primarily leases and rent low-priced commercial equipment to small merchants. The Company leases a variety of equipment including, but not limited to, water filtration systems, food service equipment, security equipment, point of sale (POS) cash registers, salon equipment, health care and fitness equipment and automotive equipment. Substantially all equipment leases originated or acquired by it are non-cancelable. The Company provides financing to obligors under microticket leases and contracts through a nationwide network of equipment vendors, independent sales organizations and brokers. The Company competes for customers with a number of national, regional and local banks and finance companies. Its competitors also include equipment manufacturers that lease or finance the sale of their own products.

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