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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 : 4/10

vs
industry
vs
history
Cash-to-Debt No Debt
HMCBF's Cash-to-Debt is ranked higher than
98% of the 1645 Companies
in the Global Specialty Finance industry.

( Industry Median: 2.48 vs. HMCBF: No Debt )
Ranked among companies with meaningful Cash-to-Debt only.
HMCBF' s Cash-to-Debt Range Over the Past 10 Years
Min: 0  Med: 3.63 Max: No Debt
Current: No Debt
Equity-to-Asset 0.08
HMCBF's Equity-to-Asset is ranked lower than
72% of the 1610 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.10 vs. HMCBF: 0.08 )
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: 0.08
0.04
0.09
Interest Coverage 0.85
HMCBF's Interest Coverage is ranked lower than
70% of the 1690 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.68 vs. HMCBF: 0.85 )
Ranked among companies with meaningful Interest Coverage only.
HMCBF' s Interest Coverage Range Over the Past 10 Years
Min: 0.6  Med: 0.78 Max: 1.05
Current: 0.85
0.6
1.05
WACC vs ROIC
49.86%
66.47%
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 : 6/10

vs
industry
vs
history
Operating Margin % 55.87
HMCBF's Operating Margin % is ranked higher than
88% of the 1651 Companies
in the Global Specialty Finance industry.

( Industry Median: 31.66 vs. HMCBF: 55.87 )
Ranked among companies with meaningful Operating Margin % only.
HMCBF' s Operating Margin % Range Over the Past 10 Years
Min: 57.59  Med: 69.02 Max: 70.42
Current: 55.87
57.59
70.42
Net Margin % 41.29
HMCBF's Net Margin % is ranked higher than
85% of the 1653 Companies
in the Global Specialty Finance industry.

( Industry Median: 22.93 vs. HMCBF: 41.29 )
Ranked among companies with meaningful Net Margin % only.
HMCBF' s Net Margin % Range Over the Past 10 Years
Min: 42.51  Med: 48.6 Max: 52.82
Current: 41.29
42.51
52.82
ROE % 14.93
HMCBF's ROE % is ranked higher than
82% of the 1652 Companies
in the Global Specialty Finance industry.

( Industry Median: 8.55 vs. HMCBF: 14.93 )
Ranked among companies with meaningful ROE % only.
HMCBF' s ROE % Range Over the Past 10 Years
Min: 15.28  Med: 25.43 Max: 28.88
Current: 14.93
15.28
28.88
ROA % 1.17
HMCBF's ROA % is ranked higher than
69% of the 1657 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.91 vs. HMCBF: 1.17 )
Ranked among companies with meaningful ROA % only.
HMCBF' s ROA % Range Over the Past 10 Years
Min: 1.14  Med: 1.38 Max: 2.19
Current: 1.17
1.14
2.19
3-Year Revenue Growth Rate 7.10
HMCBF's 3-Year Revenue Growth Rate is ranked higher than
64% of the 1392 Companies
in the Global Specialty Finance industry.

( Industry Median: 4.30 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
68% of the 1295 Companies
in the Global Specialty Finance industry.

( Industry Median: 6.80 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
69% of the 1256 Companies
in the Global Specialty Finance industry.

( Industry Median: 7.30 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 1 Warning Sign 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:PFSI, NAS:ATAX, NYSE:AI, NYSE:EFC, NYSE:OCN, AMEX:IMH, NAS:MRLN, NAS:MRCC, OTCPK:MAMTF, OTCPK:FCMGF, OTCPK:BEVFF, NYSE:SGM, OTCPK:FCBK, NYSE:PHH, NAS:MMAC, NYSE:GSBD, NYSE:WAC, OTCPK:STXMF, OTCPK:GRVFF, OTCPK:KWFLF » details
Traded in other countries:HCG.Canada, 7HC.Germany,
Headquarter Location:Canada
Home Capital Group Inc operates through its federally regulated subsidiary, Home Trust Company. It offers residential & non-residential mortgage lending, securitization of insured residential mortgage products, consumer lending & credit card products.

Home Capital Group Inc was formed on June 21, 1968, and is incorporated and domiciled in Canada. The Company operates through its federally regulated subsidiary, Home trust Company (Home trust), which offers deposits, residential and non-residential mortgage lending, securitization of insured residential first mortgage products, consumer lending, Visa products and payment card services. Licensed to conduct business across Canada, Home trust has branch offices in ontario, Alberta, British Columbia, nova Scotia and Quebec.

Ratios

vs
industry
vs
history
PE Ratio 2.44
HMCBF's PE Ratio is ranked higher than
97% of the 1664 Companies
in the Global Specialty Finance industry.

( Industry Median: 14.29 vs. HMCBF: 2.44 )
Ranked among companies with meaningful PE Ratio only.
HMCBF' s PE Ratio Range Over the Past 10 Years
Min: 1.59  Med: 9.75 Max: 18.52
Current: 2.44
1.59
18.52
Forward PE Ratio 12.20
HMCBF's Forward PE Ratio is ranked higher than
71% of the 451 Companies
in the Global Specialty Finance industry.

( Industry Median: 15.46 vs. HMCBF: 12.20 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 2.44
HMCBF's PE Ratio without NRI is ranked higher than
97% of the 1569 Companies
in the Global Specialty Finance industry.

( Industry Median: 14.61 vs. HMCBF: 2.44 )
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: 9.71 Max: 18.27
Current: 2.44
1.59
18.27
Price-to-Owner-Earnings 2.77
HMCBF's Price-to-Owner-Earnings is ranked higher than
86% of the 910 Companies
in the Global Specialty Finance industry.

( Industry Median: 13.67 vs. HMCBF: 2.77 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
HMCBF' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 1.8  Med: 6.17 Max: 20.24
Current: 2.77
1.8
20.24
PB Ratio 0.35
HMCBF's PB Ratio is ranked higher than
93% of the 1707 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.19 vs. HMCBF: 0.35 )
Ranked among companies with meaningful PB Ratio only.
HMCBF' s PB Ratio Range Over the Past 10 Years
Min: 0.23  Med: 2.28 Max: 4.58
Current: 0.35
0.23
4.58
PS Ratio 1.01
HMCBF's PS Ratio is ranked higher than
93% of the 1684 Companies
in the Global Specialty Finance industry.

( Industry Median: 3.41 vs. HMCBF: 1.01 )
Ranked among companies with meaningful PS Ratio only.
HMCBF' s PS Ratio Range Over the Past 10 Years
Min: 0.65  Med: 4.88 Max: 7.87
Current: 1.01
0.65
7.87
Price-to-Free-Cash-Flow 2.56
HMCBF's Price-to-Free-Cash-Flow is ranked higher than
80% of the 924 Companies
in the Global Specialty Finance industry.

( Industry Median: 11.10 vs. HMCBF: 2.56 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
HMCBF' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 1.66  Med: 7.54 Max: 103.32
Current: 2.56
1.66
103.32
Price-to-Operating-Cash-Flow 2.37
HMCBF's Price-to-Operating-Cash-Flow is ranked higher than
79% of the 1013 Companies
in the Global Specialty Finance industry.

( Industry Median: 9.83 vs. HMCBF: 2.37 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
HMCBF' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 1.54  Med: 7.12 Max: 48.74
Current: 2.37
1.54
48.74
PEG Ratio 0.36
HMCBF's PEG Ratio is ranked higher than
89% of the 848 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.42 vs. HMCBF: 0.36 )
Ranked among companies with meaningful PEG Ratio only.
HMCBF' s PEG Ratio Range Over the Past 10 Years
Min: 0.16  Med: 0.52 Max: 1.29
Current: 0.36
0.16
1.29
Shiller PE Ratio 2.85
HMCBF's Shiller PE Ratio is ranked higher than
98% of the 501 Companies
in the Global Specialty Finance industry.

( Industry Median: 19.95 vs. HMCBF: 2.85 )
Ranked among companies with meaningful Shiller PE Ratio only.
HMCBF' s Shiller PE Ratio Range Over the Past 10 Years
Min: 1.85  Med: 19.38 Max: 44.27
Current: 2.85
1.85
44.27

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 10.93
HMCBF's Dividend Yield % is ranked higher than
99% of the 2351 Companies
in the Global Specialty Finance industry.

( Industry Median: 2.66 vs. HMCBF: 10.93 )
Ranked among companies with meaningful Dividend Yield % only.
HMCBF' s Dividend Yield % Range Over the Past 10 Years
Min: 0.61  Med: 1.48 Max: 17.09
Current: 10.93
0.61
17.09
Dividend Payout Ratio 0.27
HMCBF's Dividend Payout Ratio is ranked higher than
61% of the 1337 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.32 vs. HMCBF: 0.27 )
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: 0.26
Current: 0.27
0.14
0.26
3-Year Dividend Growth Rate 22.00
HMCBF's 3-Year Dividend Growth Rate is ranked higher than
80% of the 801 Companies
in the Global Specialty Finance industry.

( Industry Median: 6.90 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: 23.6 Max: 58.4
Current: 22
0
58.4
5-Year Yield-on-Cost % 25.22
HMCBF's 5-Year Yield-on-Cost % is ranked higher than
98% of the 2673 Companies
in the Global Specialty Finance industry.

( Industry Median: 3.30 vs. HMCBF: 25.22 )
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: 1.41  Med: 3.41 Max: 39.43
Current: 25.22
1.41
39.43
3-Year Average Share Buyback Ratio 2.50
HMCBF's 3-Year Average Share Buyback Ratio is ranked higher than
92% of the 1073 Companies
in the Global Specialty Finance industry.

( Industry Median: -2.00 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 0.37
HMCBF's Price-to-Tangible-Book is ranked higher than
93% of the 1722 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.29 vs. HMCBF: 0.37 )
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: 2.38 Max: 6.57
Current: 0.37
0.45
6.57
Price-to-Intrinsic-Value-Projected-FCF 0.11
HMCBF's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
97% of the 953 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.78 vs. HMCBF: 0.11 )
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: 0.33  Med: 1.33 Max: 21.4
Current: 0.11
0.33
21.4
Price-to-Intrinsic-Value-DCF (Earnings Based) 0.12
HMCBF's Price-to-Intrinsic-Value-DCF (Earnings Based) is ranked higher than
99% of the 161 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.84 vs. HMCBF: 0.12 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-DCF (Earnings Based) only.
N/A
Price-to-Median-PS-Value 0.21
HMCBF's Price-to-Median-PS-Value is ranked higher than
99% of the 1632 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.14 vs. HMCBF: 0.21 )
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: 0.95 Max: 1.99
Current: 0.21
0.12
1.99
Price-to-Peter-Lynch-Fair-Value 0.42
HMCBF's Price-to-Peter-Lynch-Fair-Value is ranked higher than
91% of the 488 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.14 vs. HMCBF: 0.42 )
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
HMCBF' s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 0.25  Med: 0.59 Max: 1.21
Current: 0.42
0.25
1.21
Price-to-Graham-Number 0.20
HMCBF's Price-to-Graham-Number is ranked higher than
98% of the 1545 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.97 vs. HMCBF: 0.20 )
Ranked among companies with meaningful Price-to-Graham-Number only.
HMCBF' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.34  Med: 1.03 Max: 2.7
Current: 0.2
0.34
2.7
Earnings Yield (Greenblatt) % -49.75
HMCBF's Earnings Yield (Greenblatt) % is ranked lower than
95% of the 1832 Companies
in the Global Specialty Finance industry.

( Industry Median: 6.18 vs. HMCBF: -49.75 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
HMCBF' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 2.2  Med: 16.15 Max: 4351.6
Current: -49.75
2.2
4351.6
Forward Rate of Return (Yacktman) % 48.77
HMCBF's Forward Rate of Return (Yacktman) % is ranked higher than
91% of the 936 Companies
in the Global Specialty Finance industry.

( Industry Median: 11.50 vs. HMCBF: 48.77 )
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: 22.4 Max: 72
Current: 48.77
12
72

More Statistics

Revenue (TTM) (Mil) $443.3
EPS (TTM) $ 2.80
Beta1.05
Short Percentage of Float0.00%
52-Week Range $3.80 - 27.00
Shares Outstanding (Mil)64.20

Analyst Estimate

Dec17 Dec18
Revenue (Mil $) 197 94
EPS ($) 0.55 0.22
EPS without NRI ($) 0.55 0.22
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($)
» More Articles for HMCBF

Headlines

Articles On GuruFocus.com
Block & Leviton LLP Announces Investigation Of Home Capital Group Inc. (HMCBF) And Encourages Shareh May 05 2017 
SHAREHOLDER ALERT: Bronstein, Gewirtz & Grossman, LLC Announces Investigation of Home Capital Group May 05 2017 
INVESTOR ALERT: Faruqi & Faruqi, LLP Encourages Investors Who Suffered Losses Exceeding $50,000 Inve May 04 2017 
SHAREHOLDER ALERT: Pomerantz Law Firm Investigates Claims On Behalf of Investors of Home Capital Gro May 04 2017 
Wasatch Focuses on Taiwanese Companies in 3rd Quarter Dec 13 2015 
CI Can Am Small Cap Sells Stake in ScanSource Dec 10 2015 
A Short Seller's New Target: Canadian Housing Aug 12 2015 
In Europe Really Recovering? Apr 19 2015 
Russian Turmoil Hits Europe Aug 04 2014 
Mawer's Small Cap-Centric Fund Reports Top Five Fourth Quarter Stocks Mar 26 2014 

More From Other Websites
Ontario regulator penalizes two former Home Capital brokers May 26 2017
Ex-Home Capital Brokers Penalized in First Disclosed Crackdown May 26 2017
Canadian banks play down concerns of Home Capital contagion May 25 2017
Canada's Home Capital's savings deposits decline May 24 2017
Canada's Home Capital draws down further on credit line May 23 2017
In Home Capital’s Mortgage Mess, Blame the ‘Unlucky’ Brokers May 23 2017
IMPORTANT SHAREHOLDER ALERT: Khang & Khang LLP Announces an Investigation of Home Capital Group Inc.... May 19 2017
Canada's Home Capital's savings deposit balances decline May 19 2017
Toronto Housing Market Slows After New Tax, Home Capital Woes May 19 2017
INVESTOR ALERT: Law Offices of Howard G. Smith Commences Investigation on Behalf of Home Capital... May 19 2017
HSBC Canada Not Interested in Home Capital Assets, CEO Says May 19 2017
CANADA STOCKS-TSX rises at open as banks lead gains May 19 2017
Hit Bottom on Home Capital? Try Shorting Canadian REITs May 18 2017
Home Capital Garners Some Bay Street Support in Its Survival Fight May 18 2017
Home Capital names new director; initial investor to step down May 18 2017
[$$] Home Capital woes spark fears on Canada property market May 18 2017
Canadian Officials Preach Calm Amid Home Capital Worries May 17 2017
Home Capital Turnaround Seen as Perilous, Getting Harder May 17 2017
Canada's Home Capital's deposit balances decline further May 17 2017
Home Capital's Perilous Turnaround Will Only Get Harder May 17 2017

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