| Company Name: | Microfinancial, Incorporated | | Ticker Symbol: | MFI | | | WWW Address: | www.microfinancial.com | | CEO: | Richard F. Latour | | No. of Employees: | 103 | | Common Issue Type: | CS | | Business Description: | The Company, through its wholly-owned subsidiaries, provides financing alternatives to a range of lessees ranging from start-up businesses to established businesses.
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| | | Industry Information: | FINANCIAL SERVICES - Credit Services [more like this] |
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| Price | Day Change | Bid | Ask | Open | High | Low | Volume | | 3.2961 |  0.0716 | 2.39 | 4.22 | 3.2961 | 3.30 | 3.30 | 100 |
| Market Cap (mil) | Shares Outstanding (mil) | Beta | EPS | DPS | P/E | Yield | 52-Wks-Range |
| 46.8 | 14.2 | 0.38 | 0.42 | 0.20 | 12.2 | 6.1 | 3.98 - 1.55 |
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| KEY FIGURES (Latest Twelve Months - LTM) | | Yesterday's Close | 3.30 | $ | | PE Ratio - LTM | 12.2 | |
| Market Capitalisation | 46.7 | mil |
| Latest Shares Outstanding | 14.2 | mil |
| Earnings pS (EPS) | 0.42 | $ |
| Dividend pS (DPS) | 0.20 | ¢ |
| Dividend Yield | 6.1 | % |
| Dividend Payout Ratio | 48 | % |
| Revenue per Employee | 383,738 | $ |
| Effective Tax Rate | 35.0 | % |
| Float | 8.8 | mil |
| Float as % of Shares Outstanding | 62.1 | % |
| Foreign Sales | - | |
| Domestic Sales | - | |
| Selling, General & Adm/tive (SG&A) as % of Revenue | - | |
| Research & Devlopment (R&D) as % of Revenue | - | |
| Gross Profit Margin | - | |
| EBITDA Margin | 18.6 | % |
| Pre-Tax Profit Margin | 13.6 | % |
| Assets Turnover | 0.4 | % |
| Return on Assets (ROA) | 3.1 | % |
| Return on Equity (ROE) | 5.7 | % |
| Return on Capital Invested (ROCI) | 5.7 | % |
| Current Ratio | - | |
| Leverage Ratio (Assets/Equity) | 1.8 | |
| Interest Cover | 3.7 | |
| Total Debt/Equity (Gearing Ratio) | 0.71 | |
| LT Debt/Total Capital | 0.0 | % |
| Working Capital pS | - | |
| Cash pS | - | |
| Book-Value pS | 4.67 | $ |
| Tangible Book-Value pS | 4.67 | $ |
| Cash Flow pS | 0.26 | $ |
| Free Cash Flow pS | 3.58 | $ |
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| KEY FIGURES (LTM): Price info |
| Price/Book Ratio | 0.71 | |
| Price/Tangible Book Ratio | 0.71 | |
| Price/Cash Flow | 12.5 | |
| Price/Free Cash Flow | 0.9 | |
| P/E as % of Industry Group | 0.0 | % |
| P/E as % of Sector Segment | 0.0 | % |
| | | Balance Sheet (at a glance) in Millions |
| | | | | | DIVIDEND INFO | | Dividend Declared Date | 10/19/2009 |
| Dividend Ex-Date | 10/27/2009 |
| Dividend Record Date | 10/29/2009 |
| Dividend Pay Date | 11/12/2009 |
| Dividend Amount | 50 |
| Type of Payment | Cash Payment |
| Dividend Rate | 0.20 |
| Current Dividend Yield | 6.1 |
| 5-Y Average Dividend Yield | 6.0 |
| Payout Ratio | 48.0 |
| 5-Y Average Payout Ratio | 62.0 |
|  | | Share price performance previous 3 years |
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 | | | Share price performance intraday |
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| PRICE/VOLUME | High | Low | Close | % Price Chg | % Price Chg vs. Mkt. | Avg. Daily Vol | Total Vol |
| 1 Week | - | - | - | -0.6 | 100 | 12 | 38 |
| 4 Weeks | 3.39 | 3.06 | 3.35 | -1.5 | 97 | 17 | 347 |
| 13 Weeks | 3.50 | 2.49 | 3.40 | -2.9 | 91 | 24 | 1,509 |
| 26 Weeks | 3.98 | 2.25 | 2.28 | 44.6 | 117 | 40 | 5,069 |
| 52 Weeks | 3.98 | 1.55 | 2.48 | 32.9 | 97 | 41 | 10,253 |
| YTD | 3.98 | 1.55 | - | 63.2 | 135 | 41 | 9,261 |
| Moving Average | 5-Days | 10-Days | 10-Weeks | 30-Weeks | 200-Days | Beta (60-Mnth) | Beta (36-Mnth) |
| 3.30 | 3.29 | 3.32 | 3.16 | 2.87 | 0.38 | 0.40 |
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| GROWTH RATES | 5-Year
Growh | R² of 5-Year Growth | 3-Year
Growth |
| Revenue | -6.54 | 24.8 | 9.95 |
| Income | 0.00 | 0.0 | 8.63 |
| Dividend | 0.00 | 0.0 | -22.56 |
| Capital Spending | 18.58 | NA | -8.53 |
| R&D | 0.00 | NA | 0.00 |
| Normalized Inc. | 0.00 | NA | 7.15 |
| | | CHANGES | YTD vs.
Last YTD | Curr Qtr vs.
Qtr 1-Yr ago | Annual vs.
Last Annual |
| Revenue % | 17.2 | 18.7 | 24.8 |
| Earnings % | -43.9 | -22.6 | -4.1 |
| EPS % | -42.9 | -18.2 | 110.0 |
| EPS $ | -0.15 | -0.02 | 0.22 |
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| SOLVENCY RATIOS | | SHORT-TERM SOLVENCY RATIOS (LIQUIDITY) |
| Free Cash Flow Margin | 431.24 |
| Free Cash Flow Margin 5YEAR AVG | -222.12 |
| Cash-Flow pS | 3.09 |
| Free Cash-Flow pS | 2.86 |
| FINANCIAL STRUCTURE RATIOS |
| Financial Leverage Ratio (Assets/Equity) | 1.63 |
| Debt Ratio | 38.64 |
| Total Debt/Equity (Gearing Ratio) | 0.52 |
| LT Debt/Equity | 0.52 |
| LT Debt/Capital Invested | 34.12 |
| LT Debt/Total Liabilities | 82.26 |
| | | | VALUATION RATIOS | | MULTIPLES |
| PQ Ratio | 4.03 |
| Tobin's Q Ratio | 0.53 |
| Current P/E Ratio - LTM | 12.20 |
| Enterprise Value (EV)/EBITDA | 0.05 |
| Enterprise Value (EV)/Free Cash Flow | 1.61 |
| Dividend Yield | 6.1 |
| Price/Tangible Book Ratio - LTM | 0.71 |
| Price/Book Ratio - LTM | 0.71 |
| Price/Cash Flow Ratio | 12.5 |
| Price/Free Cash Flow Ratio - LTM | 0.9 |
| P/E Ratio (1 month ago) - LTM | 12.6 |
| P/E Ratio (26 weeks ago) - LTM | 6.5 |
| P/E Ratio (52 weeks ago) - LTM | 10.8 |
| 5-Y High P/E Ratio | 0.0 |
| 5-Y Low P/E Ratio | 0.0 |
| 5-Y Average P/E Ratio | 0.0 |
| Current P/E Ratio as % of 5-Y Average P/E | 0 |
| P/E as % of Industry Group | 0.0 |
| P/E as % of Sector Segment | 0.0 |
| Current 12 Month Normalized P/E Ratio - LTM | 12.3 |
| PER SHARE FIGURES |
| Tangible Book Value pS - LTM | 4.67 |
| Book Value pS - LTM | 4.67 |
| Capital Invested pS | 6.89 |
| Cash Flow pS - LTM | 0.26 |
| Free Cash Flow pS - LTM | 3.58 |
| Earnings pS (EPS) | 0.42 |
| | | | OPERATING RATIOS | | PROFITABILITY |
| Return on Equity (ROE) | 9.25 |
| Return on Equity (ROE) - 5YEAR AVRG. | 1.4 |
| Return on Capital Invested (ROCI) | 6.08 |
| Return on Capital Invested (ROCI) - 5YEAR AVRG. | 1.2 |
| Return on Assets (ROA) | 5.67 |
| Return on Assets (ROA) - 5YEAR AVRG. | 1.1 |
| EBIT Margin - LTM | 18.7 |
| EBITDA Margin - LTM | 18.6 |
| Pre-Tax Profit Margin | 41.22 |
| Pre-Tax Profit Margin - 5YEAR AVRG. | -37.46 |
| Net Profit Margin | 26.78 |
| Net Profit Margin - 5YEAR AVRG. | -2.17 |
| Effective Tax Rate | 35.02 |
| Effective Tax Rate - 5YEAR AVRG. | 40.74 |
| EFFICIENCY RATIOS |
| Revenue per Employee - LTM | 431,932 |
| Net Income per Employee - LTM | 36,417 |
| Assets/Revenue - LTM | 250.00 |
| Assets/Revenue - 5YEAR AVRG. | 1,017.22 |
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