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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 : 4/10

Interest Coverage 6.56
MFI's Interest Coverage is ranked lower than
99.99% of the 274 Companies
in the Global Credit Services industry.

( Industry Median: 3.05 vs. MFI: 6.56 )
Ranked among companies with meaningful Interest Coverage only.
MFI' s Interest Coverage Range Over the Past 10 Years
Min: 0  Med: 0.00 Max: 0
Current: 6.56
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 : 3/10

» MFI's 10-Y Financials

Financials (Next Earnings Date: 0)

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

» Details

Guru Trades

Q2 2014

MFI Guru Trades in Q2 2014

Jim Simons 427,400 sh (+2.00%)
» More
Q3 2014

MFI Guru Trades in Q3 2014

Jim Simons 473,800 sh (+10.86%)
» More
Q4 2014

MFI Guru Trades in Q4 2014

Jim Simons 347,300 sh (-26.70%)
» More
Q1 2015

MFI Guru Trades in Q1 2015

Jim Simons Sold Out
» More
» Details

Insider Trades

Latest Guru Trades with MFI

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Business Description

Industry: Credit Services » Credit Services

MicroFinancial Inc was formed as a Massachusetts corporation on January 27, 1987. The Company operates mainly through its wholly-owned subsidiaries: TimePayment Corp. and Leasecomm Corporation. TimePayment is a commercial or consumer finance company that leases and rents equipment and provides other financing services. Leasecomm originated leases from January 1986 through October 2002 and continues to service its remaining contract portfolio. The Company provides financing alternatives to lessees 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 network of independent equipment vendors, independent sales organizations, brokers and other dealer-based origination networks. The Company originates leases for products that have limited distribution channels and are costly to sell. 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 equipment including, but not limited to, water filtration systems, food service equipment, security equipment, point of sale cash registers, salon equipment, health care and fitness equipment and automotive equipment. The Company provides financing to obligors under microticket leases and contracts through a 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.



Dividend & Buy Back

Dividend Yield 2.90
MFI's Dividend Yield is ranked higher than
53% of the 251 Companies
in the Global Credit Services industry.

( Industry Median: 2.80 vs. MFI: 2.90 )
Ranked among companies with meaningful Dividend Yield only.
MFI' s Dividend Yield Range Over the Past 10 Years
Min: 0  Med: 0.00 Max: 0
Current: 2.9
Dividend Payout 0.42
MFI's Dividend Payout is ranked lower than
61% of the 145 Companies
in the Global Credit Services industry.

( Industry Median: 0.32 vs. MFI: 0.42 )
Ranked among companies with meaningful Dividend Payout only.
MFI' s Dividend Payout Range Over the Past 10 Years
Min: 0  Med: 0.00 Max: 0
Current: 0.42
Yield on cost (5-Year) 2.90
MFI's Yield on cost (5-Year) is ranked lower than
56% of the 295 Companies
in the Global Credit Services industry.

( Industry Median: 1.28 vs. MFI: 2.90 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
MFI' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0  Med: 0.00 Max: 0
Current: 2.9

Valuation & Return


More Statistics

Revenue (TTM) (Mil) $63.54
EPS (TTM) $ 0.68
Short Percentage of Float0.14%
52-Week Range $7.40 - 10.49
Shares Outstanding (Mil)14.43

Analyst Estimate

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Dec14 Dec15
Revenue (Mil $)
EPS ($) 0.81 0.80
EPS w/o NRI ($) 0.81 0.80
EPS Growth Rate
(3Y to 5Y Estimate)
Dividends Per Share ($)

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