HERZ
BEARISHAt a glance
Key valuation, profitability, growth, and risk metrics.
AI Analysis
AI-powered fundamental assessment
Key Strengths
Key Risks
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Ref P/E, PEG, Graham Number
- P/B ratio of 0.75 suggests discount to assets
- Current price ($16.12) far exceeds Graham Number ($9.81) and Intrinsic Value ($1.40)
- Extremely high P/E ratio of 80.60
Ref Growth rates
- Exceptional revenue growth (171.20%)
- Earnings growth is plummeting (-73% YoY)
- Profit margins are deeply negative (-80.74%)
Ref Historical trends
- Strong 1-year and 6-month price appreciation
- 5-year change is slightly negative (-1.1%)
Ref Altman Z-Score, Piotroski F-Score
- Positive ROA
- Piotroski F-Score of 3/9 indicates weak health
- Current and Quick ratios of 0.05 indicate imminent liquidity risk
Ref Yield, Payout
- Extremely high nominal yield
- Payout ratio of 1162.50% is mathematically unsustainable
- Dividend strength score is low (40/100)
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for HERZ and closest competitors.
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
HERZ
Herzfeld Credit Income Fund, Inc.
Primary
|
-1.1% | +15.1% | +35.1% | +21.4% | -6.3% | +2.7% |
|
GRAN
Grande Group Limited
Peer
|
-72.4% | -72.4% | -72.4% | -57.7% | -24.4% | +13.4% |
|
GOCO
GoHealth, Inc.
Peer
|
-99.4% | -92.5% | -89.7% | -76.4% | -49.3% | -17.6% |
|
BNKK
Bonk, Inc.
Peer
|
-96.9% | -72.4% | -65.3% | -76.8% | +83.6% | +72.7% |
|
BAFN
BayFirst Financial Corp.
Peer
|
-54.2% | -61.2% | -55.8% | -53.8% | -14.2% | +11.1% |
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Valuation Metrics
Key valuation ratios and pricing indicators
Profitability
Profit margins and return metrics
Growth
Revenue and earnings growth rates
Financial Health
Balance sheet strength and liquidity metrics
Financial Statement Flow
Interactive flow visualization showing how money moves through the company Q4 2025
Financial Services Sector Comparison
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
HERZ
Herzfeld Credit Income Fund, Inc.
|
BEARISH | $31.41M | 80.6 | -3.2% | -80.7% | $16.12 | |
|
GRAN
Grande Group Limited
|
BEARISH | $31.63M | - | -5.8% | -9.8% | $1.27 | Compare |
|
GOCO
GoHealth, Inc.
|
BEARISH | $30.29M | - | -219.7% | -71.1% | $1.05 | Compare |
|
BNKK
Bonk, Inc.
|
BEARISH | $32.68M | - | -93.7% | -% | $6.06 | Compare |
|
BAFN
BayFirst Financial Corp.
|
BEARISH | $27.7M | - | -11.1% | -18.2% | $6.7 | Compare |
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-03-27 | HERZFELD THOMAS JAY | Affiliated Person | Purchase | 2,974 | $46,097 |
| 2026-03-03 | HERZFELD THOMAS JAY | Member of Committee or Advisory Board | Purchase | 5,036 | $77,769 |
| 2026-03-03 | PAYLOR RYAN M | Other Executive | Purchase | 152 | $2,348 |
Past News Coverage
Recent headlines mentioning HERZ from our newsroom.