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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 : 7/10

vs
industry
vs
history
Cash to Debt 0.02
MFI's Cash to Debt is ranked lower than
60% of the 365 Companies
in the Global Credit Services industry.

( Industry Median: 0.94 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
79% of the 271 Companies
in the Global Credit Services industry.

( Industry Median: 0.29 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 6.04
MFI's Interest Coverage is ranked higher than
58% of the 243 Companies
in the Global Credit Services industry.

( Industry Median: 13.94 vs. MFI: 6.04 )
MFI' s 10-Year Interest Coverage Range
Min: 1.75   Max: 9999.99
Current: 6.04

1.75
9999.99
F-Score: 5
Z-Score: 1.44
M-Score: -4.62
WACC vs ROIC
2.09%
6.58%
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 : 7/10

vs
industry
vs
history
Operating margin (%) 28.95
MFI's Operating margin (%) is ranked higher than
75% of the 373 Companies
in the Global Credit Services industry.

( Industry Median: 20.51 vs. MFI: 28.95 )
MFI' s 10-Year Operating margin (%) Range
Min: -47.02   Max: 30.46
Current: 28.95

-47.02
30.46
Net-margin (%) 15.64
MFI's Net-margin (%) is ranked higher than
65% of the 375 Companies
in the Global Credit Services industry.

( Industry Median: 16.32 vs. MFI: 15.64 )
MFI' s 10-Year Net-margin (%) Range
Min: -17.42   Max: 19.58
Current: 15.64

-17.42
19.58
ROE (%) 11.07
MFI's ROE (%) is ranked higher than
73% of the 365 Companies
in the Global Credit Services industry.

( Industry Median: 10.41 vs. MFI: 11.07 )
MFI' s 10-Year ROE (%) Range
Min: -22.42   Max: 23.86
Current: 11.07

-22.42
23.86
ROA (%) 5.66
MFI's ROA (%) is ranked higher than
82% of the 383 Companies
in the Global Credit Services industry.

( Industry Median: 3.01 vs. MFI: 5.66 )
MFI' s 10-Year ROA (%) Range
Min: -8.97   Max: 9.49
Current: 5.66

-8.97
9.49
ROC (Joel Greenblatt) (%) 1221.51
MFI's ROC (Joel Greenblatt) (%) is ranked higher than
95% of the 372 Companies
in the Global Credit Services industry.

( Industry Median: 17.98 vs. MFI: 1221.51 )
MFI' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -1998.73   Max: 1342.8
Current: 1221.51

-1998.73
1342.8
Revenue Growth (3Y)(%) 6.30
MFI's Revenue Growth (3Y)(%) is ranked higher than
72% of the 298 Companies
in the Global Credit Services industry.

( Industry Median: 4.30 vs. MFI: 6.30 )
MFI' s 10-Year Revenue Growth (3Y)(%) Range
Min: -33.5   Max: 16.3
Current: 6.3

-33.5
16.3
EBITDA Growth (3Y)(%) 20.00
MFI's EBITDA Growth (3Y)(%) is ranked higher than
88% of the 243 Companies
in the Global Credit Services industry.

( Industry Median: -3.40 vs. MFI: 20.00 )
MFI' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0   Max: 26.5
Current: 20

0
26.5
EPS Growth (3Y)(%) 21.30
MFI's EPS Growth (3Y)(%) is ranked higher than
84% of the 240 Companies
in the Global Credit Services industry.

( Industry Median: 8.50 vs. MFI: 21.30 )
MFI' s 10-Year EPS Growth (3Y)(%) Range
Min: -58.8   Max: 30.2
Current: 21.3

-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 2014

MFI Guru Trades in Q1 2014

Jim Simons 419,000 sh (+4.11%)
» More
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
» 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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Ratios

vs
industry
vs
history
P/E(ttm) 15.40
MFI's P/E(ttm) is ranked higher than
75% of the 452 Companies
in the Global Credit Services industry.

( Industry Median: 26.30 vs. MFI: 15.40 )
MFI' s 10-Year P/E(ttm) Range
Min: 4.77   Max: 31.53
Current: 15.4

4.77
31.53
Forward P/E 9.75
MFI's Forward P/E is ranked higher than
92% of the 452 Companies
in the Global Credit Services industry.

( Industry Median: 0.00 vs. MFI: 9.75 )
N/A
PE(NRI) 15.30
MFI's PE(NRI) is ranked higher than
77% of the 452 Companies
in the Global Credit Services industry.

( Industry Median: 26.10 vs. MFI: 15.30 )
MFI' s 10-Year PE(NRI) Range
Min: 4.77   Max: 32.58
Current: 15.3

4.77
32.58
P/B 1.60
MFI's P/B is ranked higher than
64% of the 452 Companies
in the Global Credit Services industry.

( Industry Median: 2.10 vs. MFI: 1.60 )
MFI' s 10-Year P/B Range
Min: 0.36   Max: 1.74
Current: 1.6

0.36
1.74
P/S 2.40
MFI's P/S is ranked higher than
71% of the 452 Companies
in the Global Credit Services industry.

( Industry Median: 4.15 vs. MFI: 2.40 )
MFI' s 10-Year P/S Range
Min: 0.44   Max: 2.96
Current: 2.4

0.44
2.96
PFCF 1.60
MFI's PFCF is ranked higher than
97% of the 452 Companies
in the Global Credit Services industry.

( Industry Median: 0.00 vs. MFI: 1.60 )
MFI' s 10-Year PFCF Range
Min: 0.42   Max: 28.29
Current: 1.6

0.42
28.29
POCF 1.62
MFI's POCF is ranked higher than
97% of the 452 Companies
in the Global Credit Services industry.

( Industry Median: 0.00 vs. MFI: 1.62 )
MFI' s 10-Year POCF Range
Min: 0.42   Max: 3.47
Current: 1.62

0.42
3.47
EV-to-EBIT 12.59
MFI's EV-to-EBIT is ranked higher than
87% of the 452 Companies
in the Global Credit Services industry.

( Industry Median: 35.36 vs. MFI: 12.59 )
MFI' s 10-Year EV-to-EBIT Range
Min: -15.4   Max: 17.7
Current: 12.59

-15.4
17.7
PEG 0.67
MFI's PEG is ranked higher than
94% of the 452 Companies
in the Global Credit Services industry.

( Industry Median: 0.00 vs. MFI: 0.67 )
MFI' s 10-Year PEG Range
Min: 0.4   Max: 4.11
Current: 0.67

0.4
4.11
Shiller P/E 18.90
MFI's Shiller P/E is ranked higher than
84% of the 452 Companies
in the Global Credit Services industry.

( Industry Median: 0.00 vs. MFI: 18.90 )
MFI' s 10-Year Shiller P/E Range
Min: 11.76   Max: 117.25
Current: 18.9

11.76
117.25
Current Ratio 0.03
MFI's Current Ratio is ranked lower than
62% of the 205 Companies
in the Global Credit Services industry.

( Industry Median: 2.04 vs. MFI: 0.03 )
MFI' s 10-Year Current Ratio Range
Min: 0.02   Max: 0.82
Current: 0.03

0.02
0.82
Quick Ratio 0.03
MFI's Quick Ratio is ranked lower than
62% of the 205 Companies
in the Global Credit Services industry.

( Industry Median: 1.84 vs. MFI: 0.03 )
MFI' s 10-Year Quick Ratio Range
Min: 0.02   Max: 0.82
Current: 0.03

0.02
0.82

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.90
MFI's Dividend Yield is ranked higher than
65% of the 227 Companies
in the Global Credit Services industry.

( Industry Median: 2.12 vs. MFI: 2.90 )
MFI' s 10-Year Dividend Yield Range
Min: 1.05   Max: 11.98
Current: 2.9

1.05
11.98
Dividend Payout 0.42
MFI's Dividend Payout is ranked higher than
82% of the 452 Companies
in the Global Credit Services industry.

( Industry Median: 0.00 vs. MFI: 0.42 )
MFI' s 10-Year Dividend Payout Range
Min: 0.1   Max: 1.67
Current: 0.42

0.1
1.67
Dividend growth (3y) 7.70
MFI's Dividend growth (3y) is ranked higher than
74% of the 141 Companies
in the Global Credit Services industry.

( Industry Median: 14.50 vs. MFI: 7.70 )
MFI' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 18.6
Current: 7.7

0
18.6
Yield on cost (5-Year) 5.30
MFI's Yield on cost (5-Year) is ranked higher than
73% of the 229 Companies
in the Global Credit Services industry.

( Industry Median: 2.80 vs. MFI: 5.30 )
MFI' s 10-Year Yield on cost (5-Year) Range
Min: 1.92   Max: 21.88
Current: 5.3

1.92
21.88
Share Buyback Rate -0.70
MFI's Share Buyback Rate is ranked higher than
74% of the 206 Companies
in the Global Credit Services industry.

( Industry Median: -1.70 vs. MFI: -0.70 )
MFI' s 10-Year Share Buyback Rate Range
Min: 0.2   Max: -8.9
Current: -0.7

Valuation & Return

vs
industry
vs
history
Earnings Yield (Greenblatt) 7.90
MFI's Earnings Yield (Greenblatt) is ranked higher than
82% of the 366 Companies
in the Global Credit Services industry.

( Industry Median: 4.20 vs. MFI: 7.90 )
MFI' s 10-Year Earnings Yield (Greenblatt) Range
Min: 5.7   Max: 40.5
Current: 7.9

5.7
40.5
Forward Rate of Return (Yacktman) 64.44
MFI's Forward Rate of Return (Yacktman) is ranked higher than
98% of the 151 Companies
in the Global Credit Services industry.

( Industry Median: 8.59 vs. MFI: 64.44 )
MFI' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 51.5   Max: 139.4
Current: 64.44

51.5
139.4

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. 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.
» More Articles for MFI

Headlines

Articles On GuruFocus.com
MicroFinancial Incorporated (MFI) Jan 13 2011 
MicroFinancial Inc Reports Operating Results (10-Q) Nov 15 2010 
MicroFinancial Inc Reports Operating Results (10-Q) Aug 16 2010 
MicroFinancial Inc Reports Operating Results (10-Q) May 17 2010 
MicroFinancial Inc Reports Operating Results (10-Q) Nov 16 2009 
MicroFinancial Inc Reports Operating Results (10-Q) Aug 14 2009 
MicroFinancial Inc Reports Operating Results (10-Q) May 15 2009 

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