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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
90% of the 256 Companies
in the Global Credit Services industry.

( Industry Median: 6.06 vs. MFI: 0.02 )
Ranked among companies with meaningful Cash to Debt only.
MFI' s 10-Year Cash to Debt Range
Min: 0  Med: 0.09 Max: No Debt
Current: 0.02
Equity to Asset 0.51
MFI's Equity to Asset is ranked higher than
67% of the 183 Companies
in the Global Credit Services industry.

( Industry Median: 0.37 vs. MFI: 0.51 )
Ranked among companies with meaningful Equity to Asset only.
MFI' s 10-Year Equity to Asset Range
Min: 0.27  Med: 0.50 Max: 0.95
Current: 0.51
0.27
0.95
Interest Coverage 6.04
MFI's Interest Coverage is ranked lower than
59% of the 181 Companies
in the Global Credit Services industry.

( Industry Median: 16.15 vs. MFI: 6.04 )
Ranked among companies with meaningful Interest Coverage only.
MFI' s 10-Year Interest Coverage Range
Min: 1.75  Med: 5.82 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
62% of the 269 Companies
in the Global Credit Services industry.

( Industry Median: 20.53 vs. MFI: 28.95 )
Ranked among companies with meaningful Operating margin (%) only.
MFI' s 10-Year Operating margin (%) Range
Min: -47.02  Med: 17.36 Max: 30.46
Current: 28.95
-47.02
30.46
Net-margin (%) 15.64
MFI's Net-margin (%) is ranked lower than
53% of the 271 Companies
in the Global Credit Services industry.

( Industry Median: 17.41 vs. MFI: 15.64 )
Ranked among companies with meaningful Net-margin (%) only.
MFI' s 10-Year Net-margin (%) Range
Min: -17.42  Med: 11.33 Max: 19.58
Current: 15.64
-17.42
19.58
ROE (%) 11.07
MFI's ROE (%) is ranked higher than
57% of the 267 Companies
in the Global Credit Services industry.

( Industry Median: 8.63 vs. MFI: 11.07 )
Ranked among companies with meaningful ROE (%) only.
MFI' s 10-Year ROE (%) Range
Min: -22.42  Med: 9.51 Max: 23.86
Current: 11.07
-22.42
23.86
ROA (%) 5.66
MFI's ROA (%) is ranked higher than
71% of the 280 Companies
in the Global Credit Services industry.

( Industry Median: 2.98 vs. MFI: 5.66 )
Ranked among companies with meaningful ROA (%) only.
MFI' s 10-Year ROA (%) Range
Min: -8.97  Med: 4.63 Max: 9.49
Current: 5.66
-8.97
9.49
ROC (Joel Greenblatt) (%) 1221.51
MFI's ROC (Joel Greenblatt) (%) is ranked higher than
96% of the 217 Companies
in the Global Credit Services industry.

( Industry Median: 14.71 vs. MFI: 1221.51 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
MFI' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -1998.73  Med: 882.12 Max: 1342.8
Current: 1221.51
-1998.73
1342.8
Revenue Growth (3Y)(%) 6.30
MFI's Revenue Growth (3Y)(%) is ranked higher than
52% of the 201 Companies
in the Global Credit Services industry.

( Industry Median: 5.50 vs. MFI: 6.30 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
MFI' s 10-Year Revenue Growth (3Y)(%) Range
Min: -33.5  Med: 5.60 Max: 16.3
Current: 6.3
-33.5
16.3
EBITDA Growth (3Y)(%) 20.00
MFI's EBITDA Growth (3Y)(%) is ranked higher than
77% of the 171 Companies
in the Global Credit Services industry.

( Industry Median: -3.30 vs. MFI: 20.00 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
MFI' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0  Med: 14.90 Max: 26.5
Current: 20
0
26.5
EPS Growth (3Y)(%) 21.30
MFI's EPS Growth (3Y)(%) is ranked higher than
71% of the 175 Companies
in the Global Credit Services industry.

( Industry Median: 4.60 vs. MFI: 21.30 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
MFI' s 10-Year EPS Growth (3Y)(%) Range
Min: -58.8  Med: 1.90 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

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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Ratios

vs
industry
vs
history
P/E(ttm) 15.40
MFI's P/E(ttm) is ranked lower than
52% of the 214 Companies
in the Global Credit Services industry.

( Industry Median: 14.70 vs. MFI: 15.40 )
Ranked among companies with meaningful P/E(ttm) only.
MFI' s 10-Year P/E(ttm) Range
Min: 4.77  Med: 12.11 Max: 31.53
Current: 15.4
4.77
31.53
Forward P/E 9.75
MFI's Forward P/E is ranked higher than
57% of the 70 Companies
in the Global Credit Services industry.

( Industry Median: 11.04 vs. MFI: 9.75 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 15.30
MFI's PE(NRI) is ranked lower than
51% of the 215 Companies
in the Global Credit Services industry.

( Industry Median: 14.90 vs. MFI: 15.30 )
Ranked among companies with meaningful PE(NRI) only.
MFI' s 10-Year PE(NRI) Range
Min: 4.77  Med: 12.10 Max: 32.58
Current: 15.3
4.77
32.58
P/B 1.60
MFI's P/B is ranked lower than
67% of the 220 Companies
in the Global Credit Services industry.

( Industry Median: 1.04 vs. MFI: 1.60 )
Ranked among companies with meaningful P/B only.
MFI' s 10-Year P/B Range
Min: 0.36  Med: 0.98 Max: 1.74
Current: 1.6
0.36
1.74
P/S 2.40
MFI's P/S is ranked higher than
60% of the 262 Companies
in the Global Credit Services industry.

( Industry Median: 3.31 vs. MFI: 2.40 )
Ranked among companies with meaningful P/S only.
MFI' s 10-Year P/S Range
Min: 0.44  Med: 1.49 Max: 2.96
Current: 2.4
0.44
2.96
PFCF 1.60
MFI's PFCF is ranked higher than
87% of the 69 Companies
in the Global Credit Services industry.

( Industry Median: 8.29 vs. MFI: 1.60 )
Ranked among companies with meaningful PFCF only.
MFI' s 10-Year PFCF Range
Min: 0.42  Med: 1.23 Max: 28.29
Current: 1.6
0.42
28.29
POCF 1.62
MFI's POCF is ranked higher than
89% of the 87 Companies
in the Global Credit Services industry.

( Industry Median: 7.73 vs. MFI: 1.62 )
Ranked among companies with meaningful POCF only.
MFI' s 10-Year POCF Range
Min: 0.42  Med: 1.20 Max: 3.47
Current: 1.62
0.42
3.47
EV-to-EBIT 12.59
MFI's EV-to-EBIT is ranked higher than
59% of the 210 Companies
in the Global Credit Services industry.

( Industry Median: 19.08 vs. MFI: 12.59 )
Ranked among companies with meaningful EV-to-EBIT only.
MFI' s 10-Year EV-to-EBIT Range
Min: -15.4  Med: 11.00 Max: 17.7
Current: 12.59
-15.4
17.7
PEG 0.67
MFI's PEG is ranked higher than
55% of the 62 Companies
in the Global Credit Services industry.

( Industry Median: 0.73 vs. MFI: 0.67 )
Ranked among companies with meaningful PEG only.
MFI' s 10-Year PEG Range
Min: 0.4  Med: 0.60 Max: 4.11
Current: 0.67
0.4
4.11
Shiller P/E 18.90
MFI's Shiller P/E is ranked lower than
70% of the 92 Companies
in the Global Credit Services industry.

( Industry Median: 12.94 vs. MFI: 18.90 )
Ranked among companies with meaningful Shiller P/E only.
MFI' s 10-Year Shiller P/E Range
Min: 11.76  Med: 15.41 Max: 117.25
Current: 18.9
11.76
117.25
Current Ratio 0.03
MFI's Current Ratio is ranked lower than
100% of the 134 Companies
in the Global Credit Services industry.

( Industry Median: 2.09 vs. MFI: 0.03 )
Ranked among companies with meaningful Current Ratio only.
MFI' s 10-Year Current Ratio Range
Min: 0.02  Med: 0.04 Max: 0.82
Current: 0.03
0.02
0.82
Quick Ratio 0.03
MFI's Quick Ratio is ranked lower than
100% of the 134 Companies
in the Global Credit Services industry.

( Industry Median: 1.83 vs. MFI: 0.03 )
Ranked among companies with meaningful Quick Ratio only.
MFI' s 10-Year Quick Ratio Range
Min: 0.02  Med: 0.04 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
58% of the 243 Companies
in the Global Credit Services industry.

( Industry Median: 2.42 vs. MFI: 2.90 )
Ranked among companies with meaningful Dividend Yield only.
MFI' s 10-Year Dividend Yield Range
Min: 1.05  Med: 3.60 Max: 11.98
Current: 2.9
1.05
11.98
Dividend Payout 0.42
MFI's Dividend Payout is ranked lower than
67% of the 136 Companies
in the Global Credit Services industry.

( Industry Median: 0.26 vs. MFI: 0.42 )
Ranked among companies with meaningful Dividend Payout only.
MFI' s 10-Year Dividend Payout Range
Min: 0.1  Med: 0.39 Max: 1.67
Current: 0.42
0.1
1.67
Dividend growth (3y) 7.70
MFI's Dividend growth (3y) is ranked lower than
57% of the 75 Companies
in the Global Credit Services industry.

( Industry Median: 10.10 vs. MFI: 7.70 )
Ranked among companies with meaningful Dividend growth (3y) only.
MFI' s 10-Year Dividend growth (3y) Range
Min: 0  Med: -9.10 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
66% of the 245 Companies
in the Global Credit Services industry.

( Industry Median: 3.48 vs. MFI: 5.30 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
MFI' s 10-Year Yield on cost (5-Year) Range
Min: 1.92  Med: 6.57 Max: 21.88
Current: 5.3
1.92
21.88
Share Buyback Rate -0.70
MFI's Share Buyback Rate is ranked higher than
66% of the 135 Companies
in the Global Credit Services industry.

( Industry Median: -4.80 vs. MFI: -0.70 )
Ranked among companies with meaningful Share Buyback Rate only.
MFI' s 10-Year Share Buyback Rate Range
Min: 0.2  Med: -0.90 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
68% of the 263 Companies
in the Global Credit Services industry.

( Industry Median: 4.00 vs. MFI: 7.90 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
MFI' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 5.7  Med: 8.80 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
96% of the 80 Companies
in the Global Credit Services industry.

( Industry Median: -0.10 vs. MFI: 64.44 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
MFI' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: 51.5  Med: 74.00 Max: 139.4
Current: 64.44
51.5
139.4

Analyst Estimate

Dec14 Dec15
EPS($) 0.81 0.80
EPS without NRI($) 0.81 0.80

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 

More From Other Websites
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MICROFINANCIAL INC Files SEC form 8-K/A, Entry into a Material Definitive Agreement, Creation of a... Dec 18 2014
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MFI SHAREHOLDER ALERT: Levi & Korsinsky, LLP Announces Investigation of the Board of Directors of... Dec 16 2014
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MICROFINANCIAL INC. SHAREHOLDER ALERT: Former SEC Attorney Willie Briscoe and Powers Taylor LLP... Dec 15 2014
MICROFINANCIAL SHAREHOLDER ALERT - Buyout Of MicroFinancial Inc. - National Securities Law Firm... Dec 15 2014
MICROFINANCIAL INC Files SEC form 8-K, Change in Directors or Principal Officers Dec 11 2014
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