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MFIC

BEARISH
$11.78 Live
MidCap Financial Investment Corporation · NASDAQ
Target $11.12 (-5.6%)
$9.48 52W Range $13.51
Overview AI Snowflake Price Valuation Profitability Growth Health Statements Peers Insiders

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 14, 2026
Market cap
$1.1B
P/E
17.32
ROE
4.7%
Profit margin
19.7%
Debt/Equity
1.53
Dividend yield
10.51%

AI Analysis

AI-powered fundamental assessment

Confidence
85%
MFIC exhibits severe fundamental deterioration, highlighted by a weak Piotroski F-Score of 2/9 and a highly unsustainable dividend payout ratio of 223.53%. While the stock trades at a discount to book value (P/B 0.83) and below its Graham Number ($14.73), these value metrics are offset by negative revenue growth and a growth-based intrinsic value of only $4.76. The combination of liquidity pressure (Current Ratio 0.92) and a bearish technical trend suggests significant downside risk. The current dividend yield is a 'value trap' given that payouts far exceed earnings.

Key Strengths

Trading below book value (P/B 0.83)
Current price is below the Graham Number ($14.73)
High nominal dividend yield of 10.51%
Positive long-term price performance (5Y Change +50%)
Strong operating margins (85.51%)

Key Risks

Unsustainable dividend payout ratio (223.53%)
Critical financial health (Piotroski F-Score 2/9)
Severe Q/Q revenue contraction (-115.05%)
Liquidity risk with a current ratio below 1.0 (0.92)
Bearish technical trend (0/100)
AI Fair Value Estimate
Based on comprehensive analysis
$8.25
-30.0% below current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall
33
Weak
Value
50
Future
20
Past
45
Health
20
Dividend
30
AI Verdict
High Risk / Value Trap
Key drivers: Piotroski F-Score 2/9, Payout Ratio > 200%, Negative Revenue Growth
Confidence
90%
Value
50/100

Ref P/E 17.32, Graham Number $14.73

Positives
  • P/B 0.83
  • Below Graham Number
Watchpoints
  • Intrinsic value ($4.76) is significantly below market price
Future
20/100

Ref Growth rates

Positives
  • Forward P/E (9.11) is lower than trailing P/E
Watchpoints
  • YoY Revenue Growth -4.60%
  • Q/Q Revenue Growth -115.05%
Past
45/100

Ref Historical trends

Positives
  • Strong 5Y and 3Y price appreciation
Watchpoints
  • Recent earnings surprises are trending negative (-13.84% avg last 4)
Health
20/100

Ref Piotroski F-Score

Positives
  • Positive profit margins
Watchpoints
  • Piotroski F-Score 2/9
  • Current Ratio 0.92
Dividend
30/100

Ref Yield, Payout

Positives
  • High yield (10.51%)
Watchpoints
  • Payout ratio 223.53% indicates dividend is not covered by earnings

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price
$11.78
Analyst Target
$11.12
Upside/Downside
-5.6%

Multi-Horizon Performance vs Peers

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

Updated 2026-04-13
MFI
MidCap Financial Investment Corporation
Primary
5Y
+50.0%
3Y
+48.5%
1Y
+19.2%
6M
+7.2%
1M
+14.0%
1W
+2.0%
JCA
Jefferson Capital, Inc.
Peer
5Y
+11.9%
3Y
+11.9%
1Y
+11.9%
6M
+17.2%
1M
-2.5%
1W
+3.0%
BIT
Bitfarms Ltd.
Peer
5Y
-63.7%
3Y
+89.7%
1Y
+133.5%
6M
-34.8%
1M
-16.4%
1W
-20.4%
ASS
Strive Asset Management, LLC
Peer
5Y
-95.1%
3Y
-95.1%
1Y
-17.8%
6M
-78.9%
1M
+1.0%
1W
-8.1%
IGI
International General Insurance Holdings Ltd.
Peer
5Y
+365.1%
3Y
+265.7%
1Y
+14.2%
6M
+22.1%
1M
+13.1%
1W
+2.3%

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

P/E Ratio
17.32
Forward P/E
9.11
PEG Ratio
N/A
P/B Ratio
0.83
P/S Ratio
3.43
EV/Revenue
9.29
EV/EBITDA
N/A
Market Cap
$1.1B

Profitability

Profit margins and return metrics

Profit Margin 19.69%
Operating Margin 85.51%
Gross Margin 100.0%
ROE 4.66%
ROA 5.16%

Growth

Revenue and earnings growth rates

Revenue Growth -4.6%
Earnings Growth N/A
Q/Q Revenue Growth -115.05%
Q/Q Earnings Growth N/A

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity
1.53
High debt
Current Ratio
0.92
Weak
Quick Ratio
0.91
Poor
Cash/Share
$1.08

Financial Statement Flow

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

Revenue
$-0.0B
Net Margin
317.8%
Total Assets
$3.3B
Liabilities
$2.0B
Equity
$1.3B
Debt/Equity
1.54x
Operating CF
$0.0B
Free Cash Flow
$0.0B
FCF Yield
100%

Quarterly Earnings History

EPS performance vs analyst estimates

2026-05-06
$N/A
2026-02-26
$0.39
+5.9% surprise
2025-11-06
$0.38
+0.4% surprise
2025-08-11
$0.19
-47.7% surprise

Financial Services Sector Comparison

Comparing MFIC against 404 companies in the Financial Services sector (68 bullish, 175 neutral, 161 bearish)
P/E Ratio
17.32
This Stock
vs
49.16
Sector Avg
-64.8% (Discount)
Return on Equity (ROE)
4.66%
This Stock
vs
-0.06%
Sector Avg
-7699.8% (Below Avg)
Profit Margin
19.69%
This Stock
vs
60.11%
Sector Avg
-67.2% (Weaker)
Debt to Equity
1.53
This Stock
vs
1.3
Sector Avg
+17.3% (Higher)
Revenue Growth
-4.6%
This Stock
vs
42.19%
Sector Avg
-110.9% (Slower)
Current Ratio
0.92
This Stock
vs
3.33
Sector Avg
-72.3% (Weaker)

Similar Companies

Peer comparison within the same industry

MFIC MidCap Financial...
BEARISH
Mkt Cap
$1.1B
P/E
17.3
ROE
4.7%
Price
$11.78
JCAP Jefferson Capital, Inc.
NEUTRAL
Mkt Cap
$1.1B
P/E
3.5
ROE
43.8%
Price
$20.01
 Compare with MFIC
BITF Bitfarms Ltd.
NEUTRAL
Mkt Cap
$1.1B
P/E
-
ROE
-12.5%
Price
$1.84
 Compare with MFIC
ASST Strive Asset...
BEARISH
Mkt Cap
$1.1B
P/E
-
ROE
-%
Price
$0.87
 Compare with MFIC
IGIC International...
NEUTRAL
Mkt Cap
$1.1B
P/E
8.9
ROE
18.6%
Price
$25.83
 Compare with MFIC

Wall Street Analysts

Professional analyst ratings and price targets

Consensus
NONE
8 analysts
JP Morgan
2026-03-13
Maintains
Neutral Neutral
Keefe, Bruyette & Woods
2026-03-10
Maintains
Market Perform Market Perform
RBC Capital
2026-03-05
Maintains
Sector Perform Sector Perform
Truist Securities
2026-03-04
Maintains
Buy Buy
Wells Fargo
2026-03-02
Maintains
Equal-Weight Equal-Weight
Wells Fargo
2026-01-07
down
Overweight Equal-Weight
JP Morgan
2025-11-10
Maintains
Neutral Neutral
Keefe, Bruyette & Woods
2025-11-10
Maintains
Market Perform Market Perform
Compass Point
2025-11-10
down
Buy Neutral

Past News Coverage

Recent headlines mentioning MFIC from our newsroom.

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