FFD Financial Corporation - FFDF

FFDF Returns vs S&P 500 ⓘ

ticker	1 day return %	1 week return %	1 month return %	3 months return %	6 months return %	1 year return %	3 years return %	5 years return %	10 years return %	maximum return %
FFDF	0	-2.5	7.3	13.4	17.6	13.4	27.4	51.8	264.9	807.1
S&P 500	-1.3	-2.3	0.5	5.7	10.8	30.2	24.9	88.0	187.6	33142.5

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Returns Charts ⓘ

Interactive Price Chart

Our interactive price chart includes various drawing tools to help you analyze the product more effectively. Below is a quick guide on how to use these tools: Full Guideline

Real-time Full Quote

Attribute	Value
symbol	FFDF
name	FFD Financial Corporation
price	31.75
changes percentage	0
change	0
day low	31.50
day high	32.99
year high	32.99
year low	26.30
market cap	93629480
price avg 50	29.72
price avg 200	28.43
exchange	PNK
volume	635
avg volume	1287
open	32.99
previous close	None
eps	3.93
pe	8.08
earnings announcement	2024-11-27T12:00:00.000+0000
shares outstanding	2948960
timestamp	2024-11-15 20:00:00

Financial Statements ⓘ

We derive the score of a company's financial statements by evaluating the weighted average sentiment across key within the statements. The cumulative score, normalized to a sum of 1, serves as a metric for assessing the company's performance during the specified period. A higher score indicates stronger performance. However, it's crucial to note that while this score provides valuable insights, it is just one of many factors to consider when making informed investment decisions. A holistic evaluation, considering various aspects of the company's financial health and market conditions, is essential for a well-rounded investment strategy.

Overall Annual Financial Health: 59.0%

Overall Quarterly Financial Health: 52.3%

Income Statements ⓘ

• Annual Income Statement

Note: The years below are fiscal years in accounting.

	2023	2022	Y/Y change %
0000000000
revenue	28217000	32436999	-13.01
gross profit	28217000	32436999	-13.01
gross profit ratio	1	1	0.00
research and development expenses	0	0	NaN
operating expenses	13925000	3103000	348.76
interest income	39035000	29637000	31.71
interest expense	14018000	6009000	133.28
ebitda	0	0	NaN
ebitdaratio	0	0.02	-100.00
operating income	14125000	530515	2,562.51
operating income ratio	0.5	0.02	2,960.70
net income	11614000	11116000	4.48
net income ratio	0.41	0.34	20.11
eps	3.92	3.09	26.86

Overall Score of Annual Income Statement

0.5 out of 1

Detailed Analysis

• 📉 Negative Indicators

  Revenue Growth: revenue decreased to 28 million in 2023 from 32 million in 2022 representing a change of -13.01%. This indicates a sales shrinking, which is a negative sign for the company.

  Gross Profit: Gross Profit decreased to 28 million in 2023 from 32 million in 2022 representing a change of -13.01%. This indicates a sales profitability decline, which is a negative sign for the company.

  Operating Income: Operating income decreased to 14 million in 2023 from 1 million in 2022 representing a change of 2562.51%. The decrease in operating income indicates worse operational performance and decreased profitability.

• 📈 Positive Indicators

  Operating Expenses: Operating Expenses decreased to 14 million in 2023 from 3 million in 2022 representing a change of 348.76%. The decrease in operating expenses can be attributed to various factors such as improved profitability, cost optimization and financial stability, lower operating expenses can be positive indicators.

  Net Income: Net income increased to 12 million in 2023 from 11 million in 2022 representing a change of 4.48%. The increase in net income shows improved profitability and indicates that the company is generating more profit for each dollar of revenue.

  Earnings per Share (EPS): EPS increased to 3.92 in 2023 from 3.92 in 2022 representing a change of 26.86%. This indicates that the company's earnings are increasing and it is becoming more profitable on a per-share basis.

• Quarterly Income Statement

Note: The years below are fiscal years in accounting.

	2023Q3	2023Q2	Q/Q change %
0000000000
revenue	10607000	10513000	0.89
gross profit	10607000	10513000	0.89
gross profit ratio	1	1	0.00
research and development expenses	0	0	NaN
operating expenses	-7430000	-6877000	-8.04
interest income	0	0	NaN
interest expense	0	0	NaN
ebitda	3177000	3636000	-12.62
ebitdaratio	0.3	0.35	-13.40
operating income	3177000	3636000	-12.62
operating income ratio	0.3	0.35	-13.40
net income	2544000	3003000	-15.28
net income ratio	0.24	0.29	-16.04
eps	0.86	1.01	-14.85

Overall Score of Quarterly Income Statement

0.29 out of 1

Detailed Analysis

• 📈 Positive Indicators

  Revenue Growth: revenue increased to 11 million in 2023Q3 from 11 million in 2023Q2 representing a change of 0.89%. This indicates a sales growth, which is a positive sign for the company.

  Gross Profit: Gross Profit increased to 11 million in 2023Q3 from 11 million in 2023Q2 representing a change of 0.89%. This indicates a sales profitability growth, which is a positive sign for the company.

• 📉 Negative Indicators

  Operating Expenses: Operating Expenses increased to -7 million in 2023Q3 from -7 million in 2023Q2 representing a change of -8.04%. The increase in operating expenses can be attributed to various factors such as marketing, administrative costs, and investments in infrastructure. It's important to monitor if these expenses are growing at a sustainable rate compared to revenue.

  EBITDA: EBITDA (Earnings Before Interest, Taxes, Depreciation, and Amortization) decreased to 3 million in 2023Q3 from 4 million in 2023Q2 representing a change of -12.62%. The decrease in EBITDA indicates declined operational efficiency and profitability.

  Operating Income: Operating income decreased to 3 million in 2023Q3 from 4 million in 2023Q2 representing a change of -12.62%. The decrease in operating income indicates worse operational performance and decreased profitability.

  Net Income: Net income decreased to 3 million in 2023Q3 from 3 million in 2023Q2 representing a change of -15.28%. The decrease in net income shows worsen profitability and indicates that the company is generating less profit for each dollar of revenue.

  Earnings per Share (EPS): EPS increased to 0.86 in 2023Q3 from 0.86 in 2023Q2 representing a change of -14.85%. This indicates that the company's earnings are decreasing and it is becoming less profitable on a per-share basis.

Balance Sheets ⓘ

• Annual Balance Sheet

Note: The years below are fiscal years in accounting.

	2023	2022	Y/Y change %
0000000000
total assets	785661000	734727000	6.93
total liabilities	718691000	674744000	6.51
total equity	66970000	59983000	11.65
cash and cash equivalents	97491000	91566000	6.47
short term investments	0	-109077000	100.00
long term investments	28503000	76671000	-62.82
total current assets	99547000	93186000	6.83
total non current assets	44218000	641540999	-93.11
total current liabilities	357000	390383000	-99.91
total non current liabilities	5017000	284361000	-98.24
common stock	0	0	NaN
retained earnings	71548000	63876000	12.01
total debt	5017000	22041000	-77.24

Overall Score of Annual Balance Sheet

0.89 out of 1

Detailed Analysis

• 📈 Positive Indicators

  Total Assets: Total Assets increased to 786 million in 2023 from 735 million in 2022 representing a change of 6.93%. Suggesting a growth in asset holdings.

  Total Equity: Total Equity increased to 67 million in 2023 from 60 million in 2022 representing a change of 11.65%. This indicates an increase in shareholders' equity.

  Cash And Cash Equivalents: Cash And Cash Equivalents increased to 97 million in 2023 from 92 million in 2022 representing a change of 6.47%. This indicates an increase in available liquid assets.

  Short Term Investments: Short Term Investments increased to 0 million in 2023 from -109 million in 2022 representing a change of 100.0%. This indicates an increase in short-term investment holdings.

  Total Current Assets: Total Current Assets increased to 100 million in 2023 from 93 million in 2022 representing a change of 6.83%. This indicates a better liquidity position.

  Total Current Liabilities: Total Current Liabilities decreased to 0 million in 2023 from 390 million in 2022 representing a change of -99.91%. This indicates a lower short-term debt burden.

  Retained Earnings: Retained Earnings increased to 72 million in 2023 from 64 million in 2022 representing a change of 12.01%. This indicates an accumulated profits.

  Total Debt: Total Debt decreased to 5 million in 2023 from 22 million in 2022 representing a change of -77.24%. This indicates a reduction in overall debt burden.

• 📉 Negative Indicators

  Total Liabilities: Total Liabilities increased to 719 million in 2023 from 675 million in 2022 representing a change of 6.51%. This indicates an increase in overall liabilities.

• Quarterly Balance Sheet

Note: The years below are fiscal years in accounting.

	2022Q4	2022Q3	Q/Q change %
0000000000
total assets	734727000	707690000	3.82
total liabilities	674744000	649602000	3.87
total equity	59983000	58088000	3.26
cash and cash equivalents	91566000	78158000	17.15
short term investments	0	-156316000	100.00
long term investments	76671000	1455000	5,169.48
total current assets	93186000	78158000	19.23
total non current assets	641540999	629532000	1.91
total current liabilities	390643000	0	NaN
total non current liabilities	284361000	649602000	-56.23
common stock	0	0	NaN
retained earnings	63876000	0	NaN
total debt	22041000	30051000	-26.65

Overall Score of Quarterly Balance Sheet

0.78 out of 1

Detailed Analysis

• 📈 Positive Indicators

  Total Assets: Total Assets increased to 735 million in 2022Q4 from 708 million in 2022Q3 representing a change of 3.82%. Suggesting a growth in asset holdings.

  Total Equity: Total Equity increased to 60 million in 2022Q4 from 58 million in 2022Q3 representing a change of 3.26%. This indicates an increase in shareholders' equity.

  Cash And Cash Equivalents: Cash And Cash Equivalents increased to 92 million in 2022Q4 from 78 million in 2022Q3 representing a change of 17.15%. This indicates an increase in available liquid assets.

  Short Term Investments: Short Term Investments increased to 0 million in 2022Q4 from -156 million in 2022Q3 representing a change of 100.0%. This indicates an increase in short-term investment holdings.

  Total Current Assets: Total Current Assets increased to 93 million in 2022Q4 from 78 million in 2022Q3 representing a change of 19.23%. This indicates a better liquidity position.

  Retained Earnings: Retained Earnings increased to 64 million in 2022Q4 from 0 million in 2022Q3 representing a change of nan%. This indicates an accumulated profits.

  Total Debt: Total Debt decreased to 22 million in 2022Q4 from 30 million in 2022Q3 representing a change of -26.65%. This indicates a reduction in overall debt burden.

• 📉 Negative Indicators

  Total Liabilities: Total Liabilities increased to 675 million in 2022Q4 from 650 million in 2022Q3 representing a change of 3.87%. This indicates an increase in overall liabilities.

  Total Current Liabilities: Total Current Liabilities increased to 391 million in 2022Q4 from 0 million in 2022Q3 representing a change of nan%. This indicates a higher short-term debt burden.

Cashflow Statements ⓘ

• Annual Cashflow Statement

Note: The years below are fiscal years in accounting.

	2023	2022	Y/Y change %
0000000000
net change in cash	5925000	19300000	-69.30
operating cash flow	11114000	12494000	-11.05
free cash flow	10622000	12448000	-14.67
capital expenditure	-492000	-46000	-969.57
depreciation and amortization	730000	759000	-3.82
deferred income tax	0	-235000	100.00
stock based compensation	112000	124000	-9.68
accounts payables	0	0	NaN
inventory	0	0	NaN
acquisitions net	0	0	NaN
investments in property plant and equipment	-492000	-46000	-969.57
net cash used for investing activites	-47046000	-61182000	23.10
debt repayment	0	0	NaN
common stock issued	0	0	NaN
common stock repurchased	-990000	0	NaN
dividends paid	-3338000	-3031000	-10.13
net cash used provided by financing activities	41857000	67988000	-38.43
cash at end of period	97491000	91566000	6.47
accounts receivables	-436000	0	NaN
cash at beginning of period	91566000	72266000	26.71

Overall Score of Annual Cashflow Statement

0.38 out of 1

Detailed Analysis

• 📉 Negative Indicators

  Net Change in Cash: Net Change in Cash decreased to 6 million in 2023 from 19 million in 2022 representing a change of -69.3%. Indicating a declined ability to generate cash from the company's operations or its cash flow position.

  Operating Cash Flow: Operating Cash Flow decreased to 11 million in 2023 from 12 million in 2022 representing a change of -11.05%. This indicates that the company generated less cash from its core business operations.

  Free Cash Flow: Free Cash Flow decreased to 11 million in 2023 from 12 million in 2022 representing a change of -14.67%. This indicates a decrease in cash generated after accounting for capital expenditures.

  Deferred Income Tax: Deferred Income Tax increased to 0 million in 2023 from 0 million in 2022 representing a change of 100.0%. This indicates that the company's tax liability for future periods has increased.

  Dividends Paid: Dividends Paid decreased to -3 million in 2023 from -3 million in 2022 representing a change of -10.13%. This indicates a weaker financial position, less confidence in future prospects, and a reluctance to return value to shareholders.

• 📈 Positive Indicators

  Capital Expenditure: Capital Expenditure decreased to 0 million in 2023 from 0 million in 2022 representing a change of -969.57%. This indicates a possible improved efficiency or a shift in the company's strategic priorities.

  Stock-Based Compensation: Stock-Based Compensation decreased to 0 million in 2023 from 0 million in 2022 representing a change of -9.68%. This indicates decreased expenses, which is generally considered a positive sign from a financial perspective.

  Accounts Receivables: Accounts Receivables decreased to 0 million in 2023 from 0 million in 2022 representing a change of nan%. This suggests that the company has been able to collect payments from its customers more efficiently and timely.

• Quarterly Cashflow Statement

Note: The years below are fiscal years in accounting.

	2022Q4	2022Q3	Q/Q change %
0000000000
operating cash flow	0	0	NaN
free cash flow	0	0	NaN
capital expenditure	0	0	NaN
depreciation and amortization	0	0	NaN
deferred income tax	0	0	NaN
stock based compensation	0	0	NaN
accounts receivables	0	0	NaN
accounts payables	0	0	NaN
inventory	0	0	NaN
acquisitions net	0	0	NaN
investments in property plant and equipment	0	0	NaN
net cash used for investing activites	0	0	NaN
debt repayment	0	0	NaN
common stock issued	0	0	NaN
common stock repurchased	0	0	NaN
dividends paid	0	0	NaN
net cash used provided by financing activities	0	0	NaN
net change in cash	0	0	NaN
cash at end of period	0	0	NaN
cash at beginning of period	0	0	NaN

Overall Score of Quarterly Cashflow Statement

0.5 out of 1

Detailed Analysis

Earnings Transcripts ⓘ

No earnings transcripts available.

Earnings Per Share (EPS) ⓘ

Analyst Stock Recommendations ⓘ

Discover detailed analyst recommendations for stocks, including categories such as Buy, Hold, Sell, Strong Buy, and Strong Sell. These insights are based on thorough analysis of financial and market factors. The consensus is calculated by assigning a numerical score to each recommendation. These scores are then weighted and averaged over a specified period to provide a comprehensive view of the stock's outlook, with the final score determining the overall consensus.

Financial Ratios ⓘ

• Annual Financial Ratios

	2024-06-30	2023-06-30	Y/Y change %
FY
calendar year	2023	2022	NaN
revenue per share	9.53	11.0	-13.30
net income per share	3.92	3.77	4.13
operating cash flow per share	3.75	4.24	-11.35
free cash flow per share	3.59	4.22	-14.96
cash per share	32.94	-5.94	654.86
book value per share	22.62	20.33	11.27
tangible book value per share	22.15	19.81	11.77
shareholders equity per share	22.62	20.33	11.27
interest debt per share	6.43	9.51	-32.37
market cap	79920000	97350000	-17.90
enterprise value	-12554000	27825000	-145.12
pe ratio	6.88	8.76	-21.42
price to sales ratio	2.83	3.0	-5.63
pocfratio	7.19	7.79	-7.71
pfcf ratio	7.52	7.82	-3.79
pb ratio	1.19	1.62	-26.47
ptb ratio	1.19	1.62	-26.47
ev to sales	-0.44	0.86	-151.87
enterprise value over ebitda	0	0	NaN
ev to operating cash flow	-1.13	2.23	-150.72
ev to free cash flow	-1.18	2.24	-152.87
earnings yield	0.15	0.11	27.27
free cash flow yield	0.13	0.13	3.94
debt to equity	0.07	0.37	-79.61
debt to assets	0.01	0.03	-78.71
net debt to ebitda	0	0	NaN
current ratio	278.84	0.24	116,715.42
interest coverage	1.01	0.09	1,041.32
income quality	0.96	1.12	-14.86
dividend yield	0.04	0.03	34.15
payout ratio	0.29	0.27	5.41
sales general and administrative to revenue	0.01	0.01	-27.02
research and ddevelopement to revenue	0	0	NaN
intangibles to total assets	0.0	0.0	-13.56
capex to operating cash flow	0.04	0.0	1,102.37
capex to revenue	0.02	0.0	1,129.52
capex to depreciation	0.67	0.06	1,012.05
stock based compensation to revenue	0.0	0.0	3.83
graham number	44.69	41.52	7.64
roic	0.16	0.01	2,911.22
return on tangible assets	0.01	0.02	-2.32
graham net net	-209.0	-231.56	9.74
working capital	99190000	-297197000	133.38
tangible asset value	65553000	58450000	12.15
net current asset value	-619144000	-581558000	-6.46
invested capital	114905000	-281322000	140.84
average receivables	1838000	1426000	28.89
average payables	308500	150500	104.98
average inventory	8973500	12876500	-30.31
days sales outstanding	26.6	18.23	45.89
days payables outstanding	0	0	NaN
days of inventory on hand	0	0	NaN
receivables turnover	13.72	20.02	-31.46
payables turnover	0	0	NaN
inventory turnover	0	0	NaN
roe	0.17	0.19	-6.42
capex per share	0.17	0.02	965.95

• Neutral

  ROE: Return on Equity (ROE) decreased to 0.17 on 2024-06-30 from 0.19 on 2023-06-30, representing a change of -6.42%. However, ROE is >= 15%, suggesting that the company has been generating high returns for its shareholders still.

• Negative

  PE Ratio: Price-to-Earnings (P/E) Ratio decreased to 6.88 on 2024-06-30 from 8.76 on 2023-06-30, representing a change of -21.42%. Indicating a decrease in the relative valuation of the company's stock.

  Current Ratio: Current Ratio increased to 278.84 on 2024-06-30 from 0.24 on 2023-06-30, representing a change of 116715.42%. The current ratio has been increasing, suggesting an increase in the company's short-term liquidity. Since it's above 3, indicating poor management of working capital.

• Positive

  Debt-to-Equity Ratio: Debt-to-Equity Ratio decreased to 0.07 on 2024-06-30 from 0.37 on 2023-06-30, representing a change of -79.61%. The debt-to-equity ratio has been decreasing, indicating that the company has been relying less on debt financing. A ratio of 1 or below is often considered healthy and indicates that the company's total debt is equal to or less than its total equity.

• Quarterly Financial Ratios

	2024-03-31 Q3	2023-12-31 Q2	Q/Q change %
FFDF
calendar year	2023	2023	NaN
revenue per share	3.58	3.55	0.89
net income per share	0.86	1.01	-15.28
operating cash flow per share	None	None	NaN
free cash flow per share	None	None	NaN
cash per share	None	None	NaN
book value per share	None	None	NaN
tangible book value per share	None	None	NaN
shareholders equity per share	None	None	NaN
interest debt per share	None	None	NaN
market cap	83299988.05	87294836.5	-4.58
enterprise value	None	None	NaN
pe ratio	8.19	7.27	12.64
price to sales ratio	7.85	8.3	-5.42
pocfratio	0	0	NaN
pfcf ratio	0	0	NaN
pb ratio	0	0	NaN
ptb ratio	0	0	NaN
ev to sales	None	None	NaN
enterprise value over ebitda	None	None	NaN
ev to operating cash flow	0	0	NaN
ev to free cash flow	0	0	NaN
earnings yield	0.03	0.03	-11.22
free cash flow yield	None	None	NaN
debt to equity	0	0	NaN
debt to assets	0	0	NaN
net debt to ebitda	None	None	NaN
current ratio	0	0	NaN
interest coverage	0	0	NaN
income quality	0	0	NaN
dividend yield	None	None	NaN
payout ratio	None	None	NaN
sales general and administrative to revenue	0	0	NaN
research and ddevelopement to revenue	0	0	NaN
intangibles to total assets	0	0	NaN
capex to operating cash flow	0	0	NaN
capex to revenue	None	None	NaN
capex to depreciation	0	0	NaN
stock based compensation to revenue	None	None	NaN
graham number	None	None	NaN
roic	0	0	NaN
return on tangible assets	0	0	NaN
graham net net	None	None	NaN
working capital	None	None	NaN
tangible asset value	None	None	NaN
net current asset value	None	None	NaN
invested capital	None	None	NaN
average receivables	None	None	NaN
average payables	None	None	NaN
average inventory	None	None	NaN
days sales outstanding	None	None	NaN
days payables outstanding	0	0	NaN
days of inventory on hand	0	0	NaN
receivables turnover	0	0	NaN
payables turnover	0	0	NaN
inventory turnover	0	0	NaN
roe	0	0	NaN
capex per share	None	None	NaN

• Positive

  PE Ratio: Price-to-Earnings (P/E) Ratio increased to 8.19 on 2024-03-31 Q3 from 7.27 on 2023-12-31 Q2, representing a change of 12.64%. Indicating an increase in the relative valuation of the company's stock.

Growth Rates ⓘ

• Annual Growth

• Quarterly Growth

Intrinsic Value (Discounted Cash Flow) ⓘ

Positive Sentiment: Discounted Cash Flow value is 50.01 which is higher than current price 31.75, indicates the company may be undervalued.