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SFI.TO$0.28+0.00%
Fair $0.28+0.0%

SFI.TO

Solution Financial Inc.

Consumer Cyclical / Auto & Truck DealershipsToronto

$0.28

+0.00 (+0.00%)

Fairly Valued+0.0%Fair Value $0.28Fund rank 25/100 · Data gapFallback financials|
SA 24/D
F-Score: 2/9
Declining RevenueLow Profitability

FCF base 3Y

n/d

n/d CAGR · yield n/d

FCF base 5Y

n/d

n/d base · n/d expected

Precio de entrada

n/d

MOS 33% · confianza 22%

FCF escenarios

weak_data · normalized FCF $-4.9M · quality 63.7/100

Data gap 25/100
Bear 5Yn/dn/d
Base 5Yn/dn/d
Bull 5Yn/dn/d
Return 0/100Downside 20/100Model quality 31/100Data QA 20/100

Ranking barato/determinista: CAGR esperado 5Y + downside bear + calidad del modelo + balance + capital allocation + data gate. No entra en buy-candidate si la data es débil o el CAGR 5Y no compensa.

Quality + valuation scorecard

SA Score

24/100

D

Piotroski

2/9

balance/quality

Valuation

50/100

+0.0% upside

5Y CAGR

+0.0%

50/100

Data QA

16/100

SEC 0%

Latest source: unknownPeriods: 4Warnings: 2unknown: 4
No SEC-backed annual rows; valuation uses fallback financial data. Insufficient audited annual history (<3 SEC-backed years); composite fair value and forward targets are disabled until manually verified. Revenue has declined for 3 consecutive years ROE is 2.2%, below the 5% threshold
Thesis & Journal · SFI.TOLocal privado en este navegador · Solution Financial Inc.
Plantilla tipo buy-side: tesis, bull/base/bear, catalizadores, riesgos, kill criteria y fecha de revisión. Esto no gasta GPT-5.5; luego lo usamos como contexto del memo.

Sin guardar todavía.

Market Cap

$23M

P/E

91.7x

↑

EV/EBITDA

17.6x

↑

ROE

2.2%

↓

Gross Margin

36.8%

↑

Debt/Equity

0.72

↑
52-Week Range$0
$0$0

TradingView lightweight chart

SFI.TO price, volumen y niveles de valoración

Último $0.275Periodo -86.0%
Fair value: $0.275

Price & Ratios

Absolute Values (Left Axis)

Ratios / Percentages (Right Axis)

Financial statement dashboard

Crecimiento, márgenes y provenance

2022–2025 · 3 años de histórico normalizado

Revenue CAGR

-19.5%

FCF CAGR

—

FCF margin

-46.1%

FCF / Net income

-17.86x

Latest source

Provider fallback

Margin decomposition

Último año: revenue $10.6M · net income $273872.0 · FCF $-4.9M

2022-FY → 2025-FY

Gross margin

36.8%+12.4% pts

Operating margin

12.4%+3.0% pts

Net margin

2.6%-1.5% pts

FCF margin

-46.1%-0.1% pts
MetricTTM
2025
2024
2023
2022
Income Statement
Revenue$10.6M$10.6M$12.5M$13.9M$20.3M
Net Income$273872.00$273872.00$355018.00$38672.00$837544.00
EBITDA$1.7M$1.7M$2.1M$2.8M$5.9M
EPS0.000.000.00—0.01
Gross Margin36.8%36.8%30.0%28.2%24.4%
Operating Margin12.4%12.4%10.0%6.8%9.4%
Net Margin2.6%2.6%2.8%0.3%4.1%
Balance Sheet
Debt/Equity0.720.720.240.250.85
Current Ratio1.111.11———
Cash Flow
Free Cash Flow$-4.9M$-4.9M$-4.4M$-5.6M$-9.4M
Returns
ROE2.2%2.2%2.8%0.3%6.2%
Valuation
P/E91.6791.6771.25—36.67
EV/EBITDA17.6117.6113.048.686.64
P/B1.921.921.941.772.17
Growth & Yield
Revenue Growth-15.2%-15.2%-10.1%-31.6%—
EPS Growth-25.0%-25.0%———
Dividend Yield1.5%1.5%———

Revenue, Net Income & Free Cash Flow ($B)

Margins (%)

Returns (%)

Leverage & Liquidity

Reverse DCF · market-implied EPS growthterminal P/E 15.0x · COE 10.0%

3Y implied EPS CAGR

101.1%

muy exigente

EPS terminal req.

$0.02

Spread vs growth

-126.1%

5Y implied EPS CAGR

58.0%

muy exigente

EPS terminal req.

$0.03

Spread vs growth

-83.0%

10Y implied EPS CAGR

31.8%

muy exigente

EPS terminal req.

$0.05

Spread vs growth

-56.8%

Qué te dice: cuánto EPS CAGR está descontando el precio si sales al múltiplo terminal indicado. Si el growth observado queda por debajo, el mercado está pidiendo una ejecución muy fina.

Return attribution · 1Y approxreconcilia total -3.7%

Total return

-3.7%

Start / end P/E

72.5x → 91.7x

EPS bridge

0.00 → 0.00

Residual

-6.6%

EPS growth-25.0%
Multiple rerating+26.4%
Dividend+1.5%
Residual / FX / buybacks / cross-term-6.6%

Simple additive decomposition: total return = EPS growth contribution + P/E multiple contribution + dividend contribution + explicit residual. The residual captures cross-terms, buybacks/share-count effects, FX, special dividends, data noise and methodology mismatch so the bridge always reconciles.