Stock SFI SOLUTION FINANCIAL INC.
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Financials Solution Financial Inc.

Equities

SFI

CA83439G2009

Consumer Lending

Market Closed - Toronto S.E.
Other stock markets
 02:46:16 2024-04-26 pm EDT 		5-day change 1st Jan Change
0.275 CAD +1.85% Intraday chart for Solution Financial Inc. +3.77% -11.29%
Mar. 15 Solution Financial Inc. Reports Earnings Results for the First Quarter Ended January 31, 2024 CI
Feb. 26 Solution Financial Inc.'s Equity Buyback announced on February 21, 2023, has expired. CI

Valuation

Fiscal Period: October 2018 2019 2020 2021 2022 2023
Capitalization 1 29.26 30.89 39.14 42.04 28.21 21.65
Enterprise Value (EV) 1 31.05 39.93 49.38 51.87 37.89 33.52
P/E ratio -11.9 x 195 x 96 x 43.5 x 35.6 x 564 x
Yield - 0.26% 0.83% 0.85% 1.25% 1.6%
Capitalization / Revenue 6.08 x 3.2 x 2.74 x 2.06 x 1.39 x 1.41 x
EV / Revenue 6.45 x 4.14 x 3.45 x 2.54 x 1.86 x 2.18 x
EV / EBITDA -172 x 53.3 x 33 x 31.7 x 19.6 x 34.8 x
EV / FCF -7.3 x -4.52 x -33.6 x -29.2 x 20.1 x -12 x
FCF Yield -13.7% -22.1% -2.97% -3.43% 4.97% -8.35%
Price to Book 3.21 x 3.26 x 3.74 x 3.13 x 2.08 x 1.69 x
Nbr of stocks (in thousands) 79,092 79,211 81,534 89,444 88,144 86,612
Reference price 2 0.3700 0.3900 0.4800 0.4700 0.3200 0.2500
Announcement Date 2/26/19 2/25/20 1/18/21 1/27/22 1/27/23 1/29/24
1CAD in Million2CAD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: October 2018 2019 2020 2021 2022 2023
Net sales 1 4.811 9.64 14.3 20.45 20.35 15.38
EBITDA 1 -0.1807 0.7488 1.496 1.635 1.933 0.9639
EBIT 1 -0.1987 0.7314 1.457 1.616 1.914 0.9469
Operating Margin -4.13% 7.59% 10.19% 7.9% 9.41% 6.16%
Earnings before Tax (EBT) 1 -1.849 0.3299 0.7907 1.151 1.106 -0.3693
Net income 1 -1.918 0.1819 0.4004 0.9072 0.8375 0.0387
Net margin -39.86% 1.89% 2.8% 4.44% 4.12% 0.25%
EPS 2 -0.0311 0.002000 0.004999 0.0108 0.009000 0.000443
Free Cash Flow 1 -4.252 -8.84 -1.468 -1.779 1.883 -2.801
FCF margin -88.37% -91.7% -10.27% -8.7% 9.26% -18.21%
FCF Conversion (EBITDA) - - - - 97.46% -
FCF Conversion (Net income) - - - - 224.88% -
Dividend per Share - 0.001000 0.004000 0.004000 0.004000 0.004000
Announcement Date 2/26/19 2/25/20 1/18/21 1/27/22 1/27/23 1/29/24
1CAD in Million2CAD
Estimates

Balance Sheet Analysis

Fiscal Period: October 2018 2019 2020 2021 2022 2023
Net Debt 1 1.78 9.04 10.2 9.83 9.68 11.9
Net Cash position 1 - - - - - -
Leverage (Debt/EBITDA) -9.872 x 12.08 x 6.851 x 6.016 x 5.01 x 12.32 x
Free Cash Flow 1 -4.25 -8.84 -1.47 -1.78 1.88 -2.8
ROE (net income / shareholders' equity) -29% 1.96% 4.02% 7.6% 6.22% 0.29%
ROA (Net income/ Total Assets) -1.06% 2.31% 3.4% 3.24% 3.79% 1.99%
Assets 1 180.5 7.883 11.77 28 22.1 1.942
Book Value Per Share 2 0.1200 0.1200 0.1300 0.1500 0.1500 0.1500
Cash Flow per Share 2 0.0100 0.0100 0.0300 0.0400 0.0200 0.0100
Capex 1 8.14 12.5 8.41 7.09 0.05 0.14
Capex / Sales 169.08% 129.99% 58.83% 34.69% 0.24% 0.91%
Announcement Date 2/26/19 2/25/20 1/18/21 1/27/22 1/27/23 1/29/24
1CAD in Million2CAD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

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