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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 : 3/10

vs
industry
vs
history
Cash-to-Debt N/A
HMCBF's Cash-to-Debt is ranked higher than
80% of the 1639 Companies
in the Global Specialty Finance industry.

( Industry Median: 2.05 vs. HMCBF: N/A )
Ranked among companies with meaningful Cash-to-Debt only.
HMCBF' s Cash-to-Debt Range Over the Past 10 Years
Min: 0  Med: 3.5 Max: N/A
Current: N/A
Equity-to-Asset 0.09
HMCBF's Equity-to-Asset is ranked lower than
65% of the 1624 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.10 vs. HMCBF: 0.09 )
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: 0.09
Current: 0.09
0.04
0.09
Debt-to-Equity 0.81
HMCBF's Debt-to-Equity is ranked lower than
59% of the 1247 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.63 vs. HMCBF: 0.81 )
Ranked among companies with meaningful Debt-to-Equity only.
HMCBF' s Debt-to-Equity Range Over the Past 10 Years
Min: 0.02  Med: 0.18 Max: 17.16
Current: 0.81
0.02
17.16
Debt-to-EBITDA 13.53
HMCBF's Debt-to-EBITDA is ranked lower than
80% of the 1255 Companies
in the Global Specialty Finance industry.

( Industry Median: 5.03 vs. HMCBF: 13.53 )
Ranked among companies with meaningful Debt-to-EBITDA only.
HMCBF' s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0.36  Med: 0.47 Max: 35.87
Current: 13.53
0.36
35.87
Interest Coverage 0.17
HMCBF's Interest Coverage is ranked lower than
95% of the 1562 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.72 vs. HMCBF: 0.17 )
Ranked among companies with meaningful Interest Coverage only.
HMCBF' s Interest Coverage Range Over the Past 10 Years
Min: 0.17  Med: 0.78 Max: 1.05
Current: 0.17
0.17
1.05
WACC vs ROIC
25.76%
10.99%
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 % 23.55
HMCBF's Operating Margin % is ranked lower than
70% of the 1650 Companies
in the Global Specialty Finance industry.

( Industry Median: 32.07 vs. HMCBF: 23.55 )
Ranked among companies with meaningful Operating Margin % only.
HMCBF' s Operating Margin % Range Over the Past 10 Years
Min: 23.55  Med: 69.02 Max: 70.42
Current: 23.55
23.55
70.42
Net Margin % 16.97
HMCBF's Net Margin % is ranked lower than
70% of the 1650 Companies
in the Global Specialty Finance industry.

( Industry Median: 22.99 vs. HMCBF: 16.97 )
Ranked among companies with meaningful Net Margin % only.
HMCBF' s Net Margin % Range Over the Past 10 Years
Min: 16.97  Med: 48.6 Max: 52.82
Current: 16.97
16.97
52.82
ROE % 3.91
HMCBF's ROE % is ranked lower than
80% of the 1653 Companies
in the Global Specialty Finance industry.

( Industry Median: 8.60 vs. HMCBF: 3.91 )
Ranked among companies with meaningful ROE % only.
HMCBF' s ROE % Range Over the Past 10 Years
Min: 3.91  Med: 25.43 Max: 28.88
Current: 3.91
3.91
28.88
ROA % 0.31
HMCBF's ROA % is ranked lower than
82% of the 1657 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.90 vs. HMCBF: 0.31 )
Ranked among companies with meaningful ROA % only.
HMCBF' s ROA % Range Over the Past 10 Years
Min: 0.31  Med: 1.38 Max: 2.19
Current: 0.31
0.31
2.19
3-Year Revenue Growth Rate 7.10
HMCBF's 3-Year Revenue Growth Rate is ranked higher than
64% of the 1479 Companies
in the Global Specialty Finance industry.

( Industry Median: 4.20 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: -8.8  Med: 17.5 Max: 35.1
Current: 7.1
-8.8
35.1
3-Year EBITDA Growth Rate 0.70
HMCBF's 3-Year EBITDA Growth Rate is ranked lower than
66% of the 1396 Companies
in the Global Specialty Finance industry.

( Industry Median: 5.90 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: 21.7 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
67% of the 1354 Companies
in the Global Specialty Finance industry.

( Industry Median: 6.60 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: 31.4 Max: 219.7
Current: 0.5
0.5
219.7
GuruFocus has detected 5 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 30-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:GSBD, TSE:8508, OSTO:HOFI, BOM:523756, NYSE:HTGC, TSX:EQB, BOM:511196, NYSE:PHH, NYSE:KREF, CAS:CREDIT MAROC, NYSE:TRTX, BOM:535322, ASX:PEP, TSX:FN, NYSE:EFC, DFM:AMLAK, NYSE:OCN, BOM:511676, NYSE:PFSI, BOM:533344 » details
Traded in other countries:HCG.Canada, 7HC.Germany,
Headquarter Location:Canada
Home Capital Group Inc is a specialty finance company. The company through its subsidiaries offers residential and commercial mortgage lending, securitization of insured mortgage products, consumer lending, and credit card services.

Home Capital Group is a specialty finance company that offers residential and commercial mortgage lending, securitization of insured mortgage products, consumer lending, and credit card services. The company also offers deposits via brokers and financial planners, and through its direct-to-consumer deposit brand, Oaken Financial. Home Capital's mortgage lending focuses on homeowners who typically do not meet all the lending criteria of traditional financial institutions. Its consumer lending includes an equity-line program that allows customers to access the equity they have built in their homes.

Top Ranked Articles about Home Capital Group Inc

Mawer New Canada Fund Axed Home Capital Group Stake in 2nd Quarter Canadian fund disclosed 4 new buys for the quarter
Managers from the Mawer New Canada Fund (Trades, Portfolio) disclosed four new holdings in their second-quarter portfolio update: Tecsys Inc. (TSX:TCS), AcuityAds Holdings Inc. (TSXV:AT), Firan Technology Group Co. (TSX:FTG) and AltaGas Ltd. (ATGFF). The fund also divested its stake in Home Capital Group Inc. (TSX:HCG). Read more...
Mawer Funds Comments on Home Capital Guru stock highlight
Despite strong stock selection overall, there was a well-publicized exception within the portfolio. After having held Home Capital (TSX:HCG) the previous 15 years, a period in which the company consistently generated wealth for shareholders, a combination of regulatory enforcement, management changes, and, most crucially, acute funding risk caused a hefty reversal in Home Capital’s stock price. We exited the name when those funding risks became apparent as we ultimately lost confidence in the viability of the company’s business model. At Mawer, we define risk as the permanent impairment of capital, and in this case, the capital we had allocated to Home Capital was permanently impaired. We regret that we did not move faster and are disappointed with the outcome: it stings. But we are comforted by the fact that Home Capital did not command an overbearing position size within the portfolio; despite a negative reversal in the stock, a well-diversified portfolio provided a great deal of ballast.
Read more...
Berkshire Hathaway Invests in STORE Capital Buffett takes 9.8% stake in REIT for $377 million
In its second big real estate bet in two weeks, Warren Buffett (Trades, Portfolio)’s Berkshire Hathaway Inc. (NYSE:BRK.A) (NYSE:BRK.B) took a 9.8% ownership stake in STORE Capital Corp. (NYSE:STOR) on June 26. Read more...
Block & Leviton LLP Announces Investigation Of Home Capital Group Inc. (HMCBF) And Encourages Shareholders To Contact The Firm
SHAREHOLDER ALERT: Bronstein, Gewirtz & Grossman, LLC Announces Investigation of Home Capital Group Inc. (HMCBF)
INVESTOR ALERT: Faruqi & Faruqi, LLP Encourages Investors Who Suffered Losses Exceeding $50,000 Investing In Home Capital Group Inc. To Contact The Firm
SHAREHOLDER ALERT: Pomerantz Law Firm Investigates Claims On Behalf of Investors of Home Capital Group Inc. -- HMCBF

Ratios

vs
industry
vs
history
PE Ratio 13.86
HMCBF's PE Ratio is ranked higher than
51% of the 1528 Companies
in the Global Specialty Finance industry.

( Industry Median: 14.62 vs. HMCBF: 13.86 )
Ranked among companies with meaningful PE Ratio only.
HMCBF' s PE Ratio Range Over the Past 10 Years
Min: 1.59  Med: 9.73 Max: 19.19
Current: 13.86
1.59
19.19
Forward PE Ratio 7.90
HMCBF's Forward PE Ratio is ranked higher than
94% of the 372 Companies
in the Global Specialty Finance industry.

( Industry Median: 14.77 vs. HMCBF: 7.90 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 13.86
HMCBF's PE Ratio without NRI is ranked higher than
52% of the 1531 Companies
in the Global Specialty Finance industry.

( Industry Median: 14.75 vs. HMCBF: 13.86 )
Ranked among companies with meaningful PE Ratio without NRI only.
HMCBF' s PE Ratio without NRI Range Over the Past 10 Years
Min: 1.59  Med: 9.69 Max: 19.19
Current: 13.86
1.59
19.19
PB Ratio 0.62
HMCBF's PB Ratio is ranked higher than
82% of the 1636 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.22 vs. HMCBF: 0.62 )
Ranked among companies with meaningful PB Ratio only.
HMCBF' s PB Ratio Range Over the Past 10 Years
Min: 0.23  Med: 2.22 Max: 4.58
Current: 0.62
0.23
4.58
PS Ratio 2.33
HMCBF's PS Ratio is ranked higher than
70% of the 1598 Companies
in the Global Specialty Finance industry.

( Industry Median: 3.44 vs. HMCBF: 2.33 )
Ranked among companies with meaningful PS Ratio only.
HMCBF' s PS Ratio Range Over the Past 10 Years
Min: 0.65  Med: 4.79 Max: 7.87
Current: 2.33
0.65
7.87
EV-to-EBIT 9.01
HMCBF's EV-to-EBIT is ranked higher than
63% of the 1255 Companies
in the Global Specialty Finance industry.

( Industry Median: 12.71 vs. HMCBF: 9.01 )
Ranked among companies with meaningful EV-to-EBIT only.
HMCBF' s EV-to-EBIT Range Over the Past 10 Years
Min: -2.7  Med: 6.1 Max: 45.5
Current: 9.01
-2.7
45.5
EV-to-EBITDA 7.75
HMCBF's EV-to-EBITDA is ranked higher than
65% of the 1254 Companies
in the Global Specialty Finance industry.

( Industry Median: 11.38 vs. HMCBF: 7.75 )
Ranked among companies with meaningful EV-to-EBITDA only.
HMCBF' s EV-to-EBITDA Range Over the Past 10 Years
Min: -2.6  Med: 5.8 Max: 44.9
Current: 7.75
-2.6
44.9
EV-to-Revenue 2.13
HMCBF's EV-to-Revenue is ranked higher than
75% of the 1293 Companies
in the Global Specialty Finance industry.

( Industry Median: 4.22 vs. HMCBF: 2.13 )
Ranked among companies with meaningful EV-to-Revenue only.
HMCBF' s EV-to-Revenue Range Over the Past 10 Years
Min: -1.5  Med: 4 Max: 30.9
Current: 2.13
-1.5
30.9
PEG Ratio 2.13
HMCBF's PEG Ratio is ranked lower than
61% of the 831 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.52 vs. HMCBF: 2.13 )
Ranked among companies with meaningful PEG Ratio only.
HMCBF' s PEG Ratio Range Over the Past 10 Years
Min: 0.16  Med: 0.53 Max: 2.13
Current: 2.13
0.16
2.13
Shiller PE Ratio 4.52
HMCBF's Shiller PE Ratio is ranked higher than
96% of the 508 Companies
in the Global Specialty Finance industry.

( Industry Median: 21.19 vs. HMCBF: 4.52 )
Ranked among companies with meaningful Shiller PE Ratio only.
HMCBF' s Shiller PE Ratio Range Over the Past 10 Years
Min: 1.85  Med: 18.51 Max: 44.24
Current: 4.52
1.85
44.24

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 3.62
HMCBF's Dividend Yield % is ranked higher than
74% of the 2337 Companies
in the Global Specialty Finance industry.

( Industry Median: 2.62 vs. HMCBF: 3.62 )
Ranked among companies with meaningful Dividend Yield % only.
HMCBF' s Dividend Yield % Range Over the Past 10 Years
Min: 0.75  Med: 1.52 Max: 17.09
Current: 3.62
0.75
17.09
Dividend Payout Ratio 0.78
HMCBF's Dividend Payout Ratio is ranked lower than
91% of the 1387 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.32 vs. HMCBF: 0.78 )
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: 0.78
Current: 0.78
0.14
0.78
3-Year Dividend Growth Rate 22.00
HMCBF's 3-Year Dividend Growth Rate is ranked higher than
81% of the 820 Companies
in the Global Specialty Finance industry.

( Industry Median: 6.50 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: 22.6 Max: 58.4
Current: 22
0
58.4
5-Year Yield-on-Cost % 9.86
HMCBF's 5-Year Yield-on-Cost % is ranked higher than
90% of the 2723 Companies
in the Global Specialty Finance industry.

( Industry Median: 3.29 vs. HMCBF: 9.86 )
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: 2.04  Med: 4.14 Max: 46.57
Current: 9.86
2.04
46.57
3-Year Average Share Buyback Ratio 2.50
HMCBF's 3-Year Average Share Buyback Ratio is ranked higher than
92% of the 1129 Companies
in the Global Specialty Finance industry.

( Industry Median: -2.20 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: -0.5 Max: 3.4
Current: 2.5
-11.5
3.4

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 0.66
HMCBF's Price-to-Tangible-Book is ranked higher than
80% of the 1630 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.30 vs. HMCBF: 0.66 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
HMCBF' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.45  Med: 2.37 Max: 6.57
Current: 0.66
0.45
6.57
Price-to-Intrinsic-Value-Projected-FCF 0.21
HMCBF's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
93% of the 857 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.85 vs. HMCBF: 0.21 )
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: 0.21  Med: 1.32 Max: 21.4
Current: 0.21
0.21
21.4
Price-to-Intrinsic-Value-DCF (Earnings Based) 0.68
HMCBF's Price-to-Intrinsic-Value-DCF (Earnings Based) is ranked higher than
65% of the 154 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.86 vs. HMCBF: 0.68 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-DCF (Earnings Based) only.
HMCBF' s Price-to-Intrinsic-Value-DCF (Earnings Based) Range Over the Past 10 Years
Min: 0.22  Med: 0.34 Max: 0.7
Current: 0.68
0.22
0.7
Price-to-Median-PS-Value 0.48
HMCBF's Price-to-Median-PS-Value is ranked higher than
96% of the 1469 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.16 vs. HMCBF: 0.48 )
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: 0.12  Med: 0.96 Max: 2.02
Current: 0.48
0.12
2.02
Price-to-Graham-Number 0.64
HMCBF's Price-to-Graham-Number is ranked higher than
72% of the 1429 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.95 vs. HMCBF: 0.64 )
Ranked among companies with meaningful Price-to-Graham-Number only.
HMCBF' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.55  Med: 1.03 Max: 2.7
Current: 0.64
0.55
2.7
Earnings Yield (Greenblatt) % 11.09
HMCBF's Earnings Yield (Greenblatt) % is ranked higher than
72% of the 1657 Companies
in the Global Specialty Finance industry.

( Industry Median: 5.51 vs. HMCBF: 11.09 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
HMCBF' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: -2412.3  Med: 16.3 Max: 4351.6
Current: 11.09
-2412.3
4351.6
Forward Rate of Return (Yacktman) % 22.18
HMCBF's Forward Rate of Return (Yacktman) % is ranked higher than
74% of the 981 Companies
in the Global Specialty Finance industry.

( Industry Median: 11.33 vs. HMCBF: 22.18 )
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: 21.95 Max: 72.4
Current: 22.18
12
72.4

More Statistics

Revenue (TTM) (Mil) $283.35
EPS (TTM) $ 0.73
Beta0.78
Short Percentage of Float0.00%
52-Week Range $3.80 - 24.00
Shares Outstanding (Mil)80.25

Analyst Estimate

Dec17 Dec18 Dec19
Revenue (Mil $)
EPS ($) 0.27 1.29 1.44
EPS without NRI ($) 0.27 1.29 1.44
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($)

Piotroski F-Score Details

Piotroski F-Score: ----
Positive ROAN
Positive CFROAN
Higher ROA yoyN
CFROA > ROAN
Lower Leverage yoyN
Higher Current Ratio yoyN
Less Shares Outstanding yoyN
Higher Gross Margin yoyN
Higher Asset Turnover yoyN

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