Market Price

35.20 

0.30 0.9%

as of Nov 15 '19

52 Week Range:

13.34 35.49


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

Home Capital Group Inc., through its subsidiary, Home Trust Company, provides deposit, mortgage lending, retail credit, and credit card issuing services in Canada. It offers various deposit products, such as savings accounts; and single-family residential and insured residential lending, as well as residential and non-residential commercial mortgage lending services. The company also provides credit card and line of credit lending services, including Equityline Visa product, a home equity line of credit that is secured by residential property; and cash-secured and unsecured credit card products. In addition, it offers consumer retail lending services for durable household goods, such as water heaters and larger-ticket home improvement items; and consumer loans. Further, the company manages a treasury portfolio. Additionally, it offers deposits through brokers and financial planners, as well as through its direct to consumer deposit brand, Oaken Financial. The company operates through offices in Ontario, Alberta, British Columbia, Nova Scotia, Quebec, and Manitoba. Home Capital Group Inc. was founded in 1986 and is based in Toronto, Canada.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Equity (BVPS) 6.28
8.50
10.71
10.56
13.98
16.14
19.57
22.42
24.53
22.20
30.79
growth rate 35.4% 26.0% -1.4% 32.4% 15.5% 21.3% 14.6% 9.4% -9.5% 38.7%
Earnings BIT 158.62
198.96
242.22
256.31
299.92
337.43
growth rate 25.4% 21.7% 5.8% 17.0% 12.5%
Avg.PE 6.32
10.08
9.95
8.98
9.27
11.05
10.68
6.68
7.29
40.00
11.02
growth rate 59.5% -1.3% -9.8% 3.2% 19.2% -3.4% -37.5% 9.1% 448.7% -72.5%
ROA 2.02
2.19
2.40
1.50
1.22
1.32
1.56
1.42
1.21
0.04
0.74
growth rate 8.4% 9.6% -37.5% -18.7% 8.2% 18.2% -9.0% -14.8% -96.7% 1,750.0%
ROE 27.84
28.25
27.16
25.06
25.47
23.91
23.85
18.72
15.28
0.44
7.68
growth rate 1.5% -3.9% -7.7% 1.6% -6.1% -0.3% -21.5% -18.4% -97.1% 1,645.5%
ROIC 67.06
56.66
48.28
5.26
10.38
49.15
44.49
growth rate -15.5% -14.8% -89.1% 97.3% 373.5% -9.5%
Leverage 13.43
12.47
10.39
22.84
19.42
17.05
13.86
12.65
12.69
9.70
11.06
growth rate -7.2% -16.7% 119.8% -15.0% -12.2% -18.7% -8.7% 0.3% -23.6% 14.0%
Balance Sheet Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Acct.Receivable 9.52
35.95
25.62
13.34
37.28
growth rate 94.3% -28.7% -47.9% 179.5%
Acct.Payable 12,765.95
13,939.97
15,665.96
15,886.03
12,170.45
12,977.09
growth rate 9.2% 12.4% 1.4% -23.4% 6.6%
Cur.Assets 1,116.41
715.51
1,619.44
1,586.45
1,906.95
1,235.50
growth rate -35.9% 126.3% -2.0% 20.2% -35.2%
Total Assets 5,809.70
7,360.90
15,518.80
17,696.50
18,800.10
20,075.85
20,082.74
20,527.06
20,528.78
17,591.14
18,141.69
growth rate 26.7% 110.8% 14.0% 6.2% 6.8% 0.0% 2.2% 0.0% -14.3% 3.1%
Cash 554.40
866.10
0.00
0.00
301.90
733.17
360.75
1,149.85
1,205.39
1,336.14
665.95
growth rate 56.2% -100.0% 142.9% -50.8% 218.7% 4.8% 10.9% -50.2%
Cur.Liabilities 14,259.08
16,053.38
17,117.43
16,351.95
12,999.34
13,860.84
growth rate 12.6% 6.6% -4.5% -20.5% 6.6%
Liabilities 5,377.00
6,770.60
14,890.20
16,921.70
17,831.90
18,898.15
18,634.11
18,905.96
18,896.19
15,777.64
16,501.08
growth rate 25.9% 119.9% 13.6% 5.4% 6.0% -1.4% 1.5% -0.1% -16.5% 4.6%
LT Debt 2,008.00
2,009.00
2,010.00
2,011.00
2,012.00
4,564.30
2,482.80
1,617.55
2,317.44
2,521.48
2,435.98
growth rate 0.1% 0.1% 0.1% 0.1% 126.9% -45.6% -34.9% 43.3% 8.8% -3.4%
Equity 432.80
590.30
628.60
774.80
968.20
1,177.70
1,448.63
1,621.11
1,632.59
1,813.51
1,640.61
growth rate 36.4% 6.5% 23.3% 25.0% 21.6% 23.0% 11.9% 0.7% 11.1% -9.5%
Common Shares 69.00
70.00
70.00
70.00
70.00
70.00
70.00
70.00
67.00
72.00
80.00
growth rate 1.5% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% -4.3% 7.5% 11.1%
Cash Flow Statement Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Capital Expenditures 3.30
2.20
2.90
3.50
4.30
7.80
3.08
5.30
2.55
1.72
1.62
growth rate -33.3% 31.8% 20.7% 22.9% 81.4% -60.5% 72.1% -51.9% -32.8% -5.4%
Cash Dividends 17.30
20.00
22.90
26.40
31.20
37.46
48.92
61.76
65.17
16.71
growth rate 15.6% 14.5% 15.3% 18.2% 20.1% 30.6% 26.3% 5.5% -74.4%
Cash From OA 114.90
121.90
-201.04
36.80
340.10
-2,116.85
-1,313.42
-819.65
340.77
3,534.98
-1,111.48
growth rate 6.1% -100.0% 100.0% 824.2% -100.0% 0.0% 0.0% 100.0% 937.4% -100.0%
FCF per Share 1.61
1.17
2.02
1.68
4.69
13.62
-1.42
1.05
12.47
14.31
-18.60
growth rate -27.3% 72.7% -16.8% 179.2% 190.4% -100.0% 100.0% 1,087.6% 14.8% -100.0%
Sale Purchase of Stock 6.20
10.59
4.40
1.45
146.37
growth rate 70.9% -58.5% -66.9% 9,966.9%
FCF 111.00
81.00
141.00
17.00
327.00
492.00
-175.00
674.00
539.00
-192.00
-311.00
growth rate -27.0% 74.1% -87.9% 1,823.5% 50.5% -100.0% 100.0% -20.0% -100.0% 0.0%
Income Statement Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Sales 231.30
289.10
318.20
368.80
437.40
481.17
579.75
573.89
573.42
283.80
398.48
growth rate 25.0% 10.1% 15.9% 18.6% 10.0% 20.5% -1.0% -0.1% -50.5% 40.4%
Op.Income 158.60
199.00
213.30
256.30
299.90
337.43
417.50
383.22
348.61
34.86
180.24
growth rate 25.5% 7.2% 20.2% 17.0% 12.5% 23.7% -8.2% -9.0% -90.0% 417.0%
IBT 158.62
198.96
213.29
256.31
299.92
337.43
417.50
385.28
335.13
8.92
180.40
growth rate 25.4% 7.2% 20.2% 17.0% 12.5% 23.7% -7.7% -13.0% -97.3% 1,923.6%
Net Income 108.70
144.50
154.80
190.10
222.00
256.54
313.17
287.29
247.40
7.53
132.60
growth rate 32.9% 7.1% 22.8% 16.8% 15.6% 22.1% -8.3% -13.9% -97.0% 1,661.7%
EPS 1.56
2.08
2.23
2.73
3.19
3.66
4.45
4.09
3.71
0.10
1.66
growth rate 33.3% 7.2% 22.4% 16.9% 14.7% 21.6% -8.1% -9.3% -97.3% 1,560.0%
Gross Profit 481.17
579.75
573.89
573.42
283.80
398.48
growth rate 20.5% -1.0% -0.1% -50.5% 40.4%

Quarterly Statements

Item Name Sep '18 Dec '18 Mar '19 Jun '19 Sep '19
Balance Sheet
Acct.Receivable 37.28
growth rate
Acct.Payable 12,361.03
12,977.09
13,565.83
13,514.41
13,520.78
growth rate 5.0% 4.5% -0.4% 0.1%
Cur.Assets 1,093.32
1,235.50
1,258.93
1,039.75
738.61
growth rate 13.0% 1.9% -17.4% -29.0%
Total Assets 17,882.02
18,141.69
18,501.20
18,521.74
18,934.26
growth rate 1.5% 2.0% 0.1% 2.2%
Cash 784.97
665.95
695.30
470.73
578.63
growth rate -15.2% 4.4% -32.3% 22.9%
Cur.Liabilities 12,518.12
13,860.84
13,586.43
13,668.13
13,534.61
growth rate 10.7% -2.0% 0.6% -1.0%
Liabilities 15,970.67
16,501.08
16,853.47
16,874.22
17,292.07
growth rate 3.3% 2.1% 0.1% 2.5%
LT Debt 3,108.92
2,435.98
2,878.37
2,789.64
3,325.08
growth rate -21.7% 18.2% -3.1% 19.2%
Equity 1,911.35
1,640.61
1,647.73
1,647.52
1,642.18
growth rate -14.2% 0.4% 0.0% -0.3%
Common Shares 231.16
178.78
175.80
170.72
165.68
growth rate -22.7% -1.7% -2.9% -3.0%
Cash Flow Statement Sep '18 Dec '18 Mar '19 Jun '19 Sep '19
Capital Expenditures 0.53
0.63
1.25
1.52
growth rate 17.8% 98.3% 21.5%
Cash Dividends
growth rate
Cash From OA -453.87
-433.03
-538.74
-132.32
growth rate 0.0% 0.0% 0.0%
Sale Purchase of Stock
growth rate
FCF -454.40
-433.66
-539.98
-133.84
growth rate 0.0% 0.0% 0.0%
Income Statement Sep '18 Dec '18 Mar '19 Jun '19 Sep '19
Sales 101.10
104.44
97.76
105.19
112.90
growth rate 3.3% -6.4% 7.6% 7.3%
Op.Income 45.49
50.42
40.94
46.90
53.03
growth rate 10.8% -18.8% 14.6% 13.1%
IBT 45.49
48.79
37.74
43.50
53.03
growth rate 7.2% -22.7% 15.3% 21.9%
Net Income 32.60
35.81
27.82
31.91
39.02
growth rate 9.9% -22.3% 14.7% 22.3%
EPS
growth rate
Gross Profit 101.10
104.44
97.76
105.19
112.90
growth rate 3.3% -6.4% 7.6% 7.3%

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

F (0.00)

YOY Growth Grade:

D (42.35)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 17.00 17.00 11.54
EPS / Growth -5.3% 2.07 5.0%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 6.1%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 1.0% 4.0% 4.0%
Future PE 2.00 12.19 12.19
Future EPS 2.29 3.07 3.07
Value Price
MOS %
1.13
-96.8%
9.26
-73.7%
9.26
-73.7%
MOS Price 0.57 4.63 4.63
IRT 15.63 12.81 12.81

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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