HRZN

BEARISH

$4.52 Live

Horizon Technology Finance Corporation · NASDAQ

Target $5.5 (+21.7%)

$3.98 52W Range $9.07

HRZN Horizon Technology Finance Corporation - Fundamental Analysis

BEARISH

Console Chart News

HRZN Stock | Fundamental Analysis & Investment Insights

NASDAQ • Financial Services • Asset Management

Current Price Live

$4.52

Analyst Target

$5.5

+21.7% Upside

52W High

$9.07

52W Low

$3.98

Overview AI Snowflake Price Valuation Profitability Growth Health Statements Peers Insiders

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 11, 2026

Market cap

$216.08M

P/E

N/A

ROE

-0.8%

Profit margin

-2.8%

Debt/Equity

1.49

Dividend yield

25.66%

AI Analysis

AI-powered fundamental assessment

Confidence

85%

HRZN exhibits severe financial deterioration, highlighted by a weak Piotroski F-Score of 2/9 and a bearish technical trend of 0/100. While the stock trades at a discount to book value (P/B 0.65), this is offset by negative revenue growth (-12.20%) and a catastrophic dividend payout ratio of 224.56%. The company is effectively paying out more than it earns, signaling an imminent dividend cut. Despite a modest analyst target of $5.50, the fundamental trajectory is sharply negative.

Key Strengths

Trading significantly below book value (P/B 0.65)

Low forward P/E ratio of 5.95

Positive Return on Assets (ROA) of 5.99%

Current price is near the 52-week low, limiting immediate downside volatility

Analyst target price ($5.50) suggests a potential 21% upside if stability returns

Key Risks

Unsustainable dividend payout ratio (224.56%) indicating a high risk of dividend cuts

Weak financial health as evidenced by a Piotroski F-Score of 2/9

Negative revenue growth (-12.20% YoY) and declining EPS

Long-term price erosion with a 5-year change of -48.2%

Negative profit margin (-2.77%) and negative ROE (-0.81%)

AI Fair Value Estimate

Based on comprehensive analysis

$4.25

-6.0% below current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall

Weak

Value

Future

Past

Health

Dividend

AI Verdict

High Risk / Value Trap

Key drivers: Unsustainable dividend, Deteriorating financial health (Piotroski), Negative growth metrics

Confidence

90%

Value

55/100

Ref P/E 5.95, P/B 0.65

Positives

P/B of 0.65 is very low
Forward P/E is attractive

Watchpoints

Low valuation is justified by declining earnings

Future

20/100

Ref Growth rates

Positives

No standout positives identified.

Watchpoints

Revenue growth -12.20%
YoY EPS growth -33.3%

Past

30/100

Ref Historical trends

Positives

Historical ability to beat earnings estimates in some quarters

Watchpoints

5Y price change -48.2%
Consistent downward trend

Health

20/100

Ref Piotroski F-Score

Positives

Current ratio 1.56 provides some short-term liquidity

Watchpoints

Piotroski F-Score 2/9 indicates weak health
Negative ROE

Dividend

10/100

Ref Yield, Payout

Positives

Extremely high nominal yield (25.66%)

Watchpoints

Payout ratio 224.56% is fundamentally unsustainable

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price

$4.52

Analyst Target

$5.5

Upside/Downside

+21.7%

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for HRZN and closest competitors.

Updated 2026-04-10

Company	5Y	3Y	1Y	6M	1M	1W
HRZN Horizon Technology Finance Corporation Primary	-48.2%	-39.6%	-32.4%	-15.3%	+8.2%	+5.6%
ATLO Ames National Corporation Peer	+26.8%	+16.5%	+43.4%	+34.4%	+5.2%	+3.1%
CMTV Community Bancorp Peer	+130.5%	+116.2%	+119.1%	+63.4%	+15.3%	+16.1%
AIFU AIFU Inc. Peer	-99.3%	-98.8%	-75.2%	-67.8%	+11.1%	+4.6%
CZWI Citizens Community Bancorp, Inc. Peer	+70.0%	+105.0%	+55.1%	+29.3%	+14.6%	+3.4%

HRZ

Horizon Technology Finance Corporation

Primary

-48.2%

-39.6%

-32.4%

-15.3%

+8.2%

+5.6%

ATL

Ames National Corporation

Peer

+26.8%

+16.5%

+43.4%

+34.4%

+5.2%

+3.1%

CMT

Community Bancorp

Peer

+130.5%

+116.2%

+119.1%

+63.4%

+15.3%

+16.1%

AIF

AIFU Inc.

Peer

-99.3%

-98.8%

-75.2%

-67.8%

+11.1%

+4.6%

CZW

Citizens Community Bancorp, Inc.

Peer

+70.0%

+105.0%

+55.1%

+29.3%

+14.6%

+3.4%

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

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

N/A

5.95

N/A

0.65

2.25

6.08

N/A

$216.08M

Profitability

Profit margins and return metrics

Profit Margin -2.77%

Operating Margin 78.47%

Gross Margin 100.0%

ROE -0.81%

ROA 5.99%

Growth

Revenue and earnings growth rates

Revenue Growth -12.2%

Earnings Growth N/A

Q/Q Revenue Growth N/A

Q/Q Earnings Growth N/A

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity

1.49

Moderate

Current Ratio

1.56

Good

Quick Ratio

1.53

Excellent

Cash/Share

$2.21

Financial Statement Flow

Interactive flow visualization showing how money moves through the company Q4 2025

Revenue

$0.0B

Net Margin

79.2%

Total Assets

$0.8B

Liabilities

$0.5B

Equity

$0.3B

Debt/Equity

1.55x

Operating CF

$-0.0B

Free Cash Flow

$-0.0B

FCF Yield

100%

Quarterly Earnings History

EPS performance vs analyst estimates

2026-04-28

$N/A

2026-03-03

$0.18

-38.8% surprise

2025-10-28

$0.68

+144.7% surprise

2025-08-07

$0.28

+0.8% surprise

Financial Services Sector Comparison

Comparing HRZN against 341 companies in the Financial Services sector (60 bullish, 147 neutral, 134 bearish)

Return on Equity (ROE)

-0.81%

This Stock

-0.66%

Sector Avg

+22.9% (Excellent)

Profit Margin

-2.77%

This Stock

63.27%

Sector Avg

-104.4% (Weaker)

Debt to Equity

1.49

This Stock

1.36

Sector Avg

+9.3% (Higher)

Revenue Growth

-12.2%

This Stock

44.9%

Sector Avg

-127.2% (Slower)

Current Ratio

1.56

This Stock

3.26

Sector Avg

-52.3% (Weaker)

Similar Companies

Peer comparison within the same industry

Company	AI Rating	Market Cap	P/E	ROE	Profit Margin	Price
HRZN Horizon Technology Finance...	BEARISH	$216.08M	-	-0.8%	-2.8%	$4.52
ATLO Ames National Corporation	NEUTRAL	$215.81M	13.56	8.3%	26.5%	$24.27	Compare
CMTV Community Bancorp	BULLISH	$202.27M	11.99	16.0%	35.8%	$36.09	Compare
AIFU AIFU Inc.	BEARISH	$230.48M	0.17	-7.4%	-1.4%	$1.99	Compare
CZWI Citizens Community Bancorp, Inc.	NEUTRAL	$197.19M	13.74	7.9%	23.9%	$20.48	Compare

HRZN Horizon...

BEARISH

Mkt Cap

$216M

P/E

ROE

-0.8%

Price

$4.52

ATLO Ames National...

Compare with HRZN

CMTV Community Bancorp

Compare with HRZN

Compare with HRZN

Compare with HRZN

Wall Street Analysts

Professional analyst ratings and price targets

Consensus

HOLD

5 analysts

Oppenheimer

2026-03-24

Maintains

Perform Perform

B. Riley Securities

2026-03-06

Maintains

Neutral Neutral

UBS

2025-11-19

Maintains

Neutral Neutral

UBS

2025-10-14

Maintains

Neutral Neutral

Past News Coverage

Recent headlines mentioning HRZN from our newsroom.

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HRZN

HRZN Horizon Technology Finance Corporation - Fundamental Analysis

At a glance

AI Analysis

Key Strengths

Key Risks

Performance Snowflake

Stock Price & Analyst Targets

Multi-Horizon Performance vs Peers

Historical Performance Trends

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Valuation Metrics

Profitability

Growth

Financial Health

Financial Statement Flow

Quarterly Earnings History

Financial Services Sector Comparison

Similar Companies

Wall Street Analysts

Past News Coverage

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