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FLC

NEUTRAL
$17.12 Live
Flaherty & Crumrine Total Return Fund Inc. · NYSE
$15.92 52W Range $18.09

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 27, 2026
Market cap
$179.02M
P/E
11.12
ROE
8.2%
Profit margin
77.3%
Debt/Equity
0.6
Dividend yield
7.15%

AI Analysis

AI-powered fundamental assessment

Confidence
85%
FLC presents as a classic value trap with a stable Piotroski F-Score of 5/9 and a significant discount to its Graham Number ($25.61). While the stock trades attractively below book value (P/B 0.90) and offers a strong 7.15% dividend yield, it is plagued by negative earnings growth (-10.90%) and a completely bearish technical trend (0/100). The high profit margins provide a safety buffer, but the lack of growth and poor insider sentiment suggest limited upside potential in the near term.

Key Strengths

Trading below book value (P/B 0.90)
Strong dividend yield of 7.15%
Exceptional profit margins (77.28%)
High liquidity with a current ratio of 3.58
Low P/E ratio (11.12) relative to the financial services sector average (38.64)

Key Risks

Negative YoY earnings growth (-10.90%)
Bearish technical trend (0/100 score)
Weak insider sentiment (40/100)
High dividend payout ratio (74.53%) limiting reinvestment
Negative revenue growth (-1.40%)
AI Fair Value Estimate
Based on comprehensive analysis
$18.2
+6.3% above current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall
63
Strong
Value
88
Future
30
Past
55
Health
60
Dividend
82
AI Verdict
Value-driven stability with growth stagnation
Key drivers: Deep value valuation, Negative growth trajectory, Strong income generation
Confidence
90%
Value
88/100

Ref P/E 11.12, P/B 0.90, Graham Number $25.61

Positives
  • Price is well below Graham Number
  • P/B ratio < 1.0
  • P/E significantly lower than sector average
Watchpoints
  • Intrinsic value based on growth is lower than current price
Future
30/100

Ref Revenue Growth -1.40%, Earnings Growth -10.90%

Positives
  • Stable sector presence
Watchpoints
  • Negative revenue growth
  • Double-digit earnings decline
Past
55/100

Ref Historical price performance snapshots

Positives
  • Positive 1Y return (+13.4%)
  • Strong 3Y recovery (+44.1%)
Watchpoints
  • Negative 5Y overall change
Health
60/100

Ref Piotroski F-Score 5/9, Current Ratio 3.58

Positives
  • Piotroski F-Score of 5/9 indicates stability
  • Strong current and quick ratios
Watchpoints
  • Altman Z-Score unavailable for definitive distress analysis
Dividend
82/100

Ref Yield 7.15%, Payout 74.53%

Positives
  • High yield of 7.15%
  • Consistent payout
Watchpoints
  • Payout ratio is relatively high at 74.53%

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price
$17.12

Multi-Horizon Performance vs Peers

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

Updated 2026-04-24
FLC
Flaherty & Crumrine Total Return Fund Inc.
Primary
5Y
-1.8%
3Y
+44.1%
1Y
+13.4%
6M
+1.6%
1M
+3.3%
1W
-0.3%
BVF
BV Financial, Inc.
Peer
5Y
+68.8%
3Y
+42.6%
1Y
+42.8%
6M
+34.0%
1M
+7.5%
1W
+1.7%
DHF
BNY Mellon High Yield Strategies Fund
Peer
5Y
+19.8%
3Y
+42.6%
1Y
+9.0%
6M
-1.2%
1M
+2.0%
1W
-1.2%
BSL
Blackstone Senior Floating Rate 2027 Term Fund
Peer
5Y
+39.0%
3Y
+38.7%
1Y
+2.4%
6M
-0.7%
1M
+0.8%
1W
-0.5%
LPR
Open Lending Corporation
Peer
5Y
-96.0%
3Y
-77.7%
1Y
+66.7%
6M
-21.8%
1M
+6.2%
1W
+25.2%

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
11.12
Forward P/E
N/A
PEG Ratio
N/A
P/B Ratio
0.9
P/S Ratio
8.57
EV/Revenue
N/A
EV/EBITDA
N/A
Market Cap
$179.02M

Profitability

Profit margins and return metrics

Profit Margin 77.28%
Operating Margin 87.49%
Gross Margin 100.0%
ROE 8.24%
ROA 3.63%

Growth

Revenue and earnings growth rates

Revenue Growth -1.4%
Earnings Growth -10.9%
Q/Q Revenue Growth N/A
Q/Q Earnings Growth -10.9%

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity
0.6
Moderate
Current Ratio
3.58
Strong
Quick Ratio
3.51
Excellent
Cash/Share
$N/A

Financial Statement Flow

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

Total Assets
$0.3B
Liabilities
$0.1B
Equity
$0.2B
Debt/Equity
0.60x

Financial Services Sector Comparison

Comparing FLC against 763 companies in the Financial Services sector (133 bullish, 317 neutral, 313 bearish)
P/E Ratio
11.12
This Stock
vs
38.21
Sector Avg
-70.9% (Discount)
Return on Equity (ROE)
8.24%
This Stock
vs
-1.82%
Sector Avg
-552.4% (Below Avg)
Profit Margin
77.28%
This Stock
vs
75.74%
Sector Avg
+2.0% (Better)
Debt to Equity
0.6
This Stock
vs
1.42
Sector Avg
-57.9% (Less Debt)
Revenue Growth
-1.4%
This Stock
vs
37.18%
Sector Avg
-103.8% (Slower)
Current Ratio
3.58
This Stock
vs
3.32
Sector Avg
+7.9% (Better)

Similar Companies

Peer comparison within the same industry

SEC Filings

Recent regulatory filings from the SEC EDGAR database

DEF 14A
DEFINITIVE PROXY STATEMENT
2026-03-09

FLC filed a Definitive Proxy Statement (DEF 14A) on March 9, 2026, providing shareholders with necessary information and voting materials for the company's annual meeting.

DEF 14A
DEFINITIVE PROXY STATEMENTS
2025-03-17

FLC filed a definitive proxy statement on March 17, 2025, providing shareholders with necessary information and voting items for the company's upcoming meeting.

Data sourced from SEC EDGAR. AI summaries generated automatically.

Past News Coverage

Recent headlines mentioning FLC from our newsroom.

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