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TIMIA Capital Corp (TSE:MONT)
:MONT
Canadian Market

TIMIA Capital (MONT) AI Stock Analysis

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TIMIA Capital

(MONT)

41Neutral
TIMIA Capital's overall stock score is adversely affected by financial instability, weak technical indicators, and poor valuation metrics. The company's significant financial challenges, including high leverage and negative cash flow, are major concerns. Technical analysis shows bearish momentum, and lack of profitability further reduces attractiveness.

TIMIA Capital (MONT) vs. S&P 500 (SPY)

TIMIA Capital Business Overview & Revenue Model

Company DescriptionTIMIA Capital (MONT) is a Canada-based specialty finance company that provides growth capital to technology companies in exchange for recurring revenue streams. Operating primarily in the financial services sector, the company offers tailored financing solutions that cater to the unique needs of SaaS (Software as a Service) and other technology-driven businesses. Its core services focus on revenue-based financing, enabling tech entrepreneurs to access non-dilutive capital while maintaining control over their businesses.
How the Company Makes MoneyTIMIA Capital generates revenue through its innovative financing model known as revenue-based financing. The company provides capital to growing technology firms, particularly those with recurring revenue models such as SaaS businesses, in exchange for a percentage of their future revenue. This model allows TIMIA to earn a return based on the revenue performance of its portfolio companies, aligning the interests of both the investor and the entrepreneur. Additionally, the company may earn money from interest income and fees associated with the financing agreements. Significant partnerships with technology firms and a strong network within the tech industry also contribute to its earnings by facilitating deal flow and investment opportunities.

TIMIA Capital Financial Statement Overview

Summary
TIMIA Capital faces significant financial challenges with volatile revenue and negative profitability. The high debt level poses risk, though equity ratios provide some stability. Cash flow issues highlight a need for strategic adjustments.
Income Statement
45
Neutral
The company has shown volatile revenue trends with a decrease in the latest TTM period. Gross profit margins remain strong, but negative net income and declining EBIT margin highlight operational challenges. The net profit margin is negative due to significant losses, impacting overall profitability.
Balance Sheet
50
Neutral
The balance sheet shows high leverage with a debt-to-equity ratio indicating substantial risk. Equity has decreased significantly, reflecting financial strain. However, the company maintains a reasonable equity ratio, suggesting a measure of stability amidst rising liabilities.
Cash Flow
40
Negative
Operating cash flow is consistently negative, indicating liquidity issues. Free cash flow is also negative, highlighting cash flow management challenges. The ratios of operating and free cash flow to net income reflect poor cash generation relative to earnings.
Breakdown
TTMDec 2023Dec 2022Dec 2021Dec 2020Dec 2019
Income StatementTotal Revenue
48.04M51.47M31.27M8.98M6.09M3.29M
Gross Profit
46.81M49.39M29.86M8.84M6.03M3.21M
EBIT
9.66M-12.64M4.41M140.90K1.96M-173.57K
EBITDA
25.99M25.06M20.63M5.92M3.51M469.42K
Net Income Common Stockholders
-13.20M-12.36M591.08K2.26M-586.34K-1.54M
Balance SheetCash, Cash Equivalents and Short-Term Investments
3.77M8.28M7.01M9.31M12.87M4.66M
Total Assets
125.86M402.51M462.47M125.08M41.92M27.11M
Total Debt
75.56M352.99M306.97M73.98M6.64M9.53M
Net Debt
71.79M344.71M299.96M64.67M-6.23M4.87M
Total Liabilities
78.74M364.28M402.60M111.95M7.57M12.81M
Stockholders Equity
15.35M35.77M57.26M13.13M7.56M2.69M
Cash FlowFree Cash Flow
-21.70M-30.20M-49.33M7.04M-4.42M-333.22K
Operating Cash Flow
-21.60M-30.20M-49.33M7.04M-4.42M-333.22K
Investing Cash Flow
-57.07M256.82K-2.23M-4.57M16.71M-11.59M
Financing Cash Flow
83.57M31.22M47.02M-5.15M13.18M12.84M

TIMIA Capital Technical Analysis

Technical Analysis Sentiment
Negative
Last Price0.04
Price Trends
50DMA
0.05
Negative
100DMA
0.06
Negative
200DMA
0.07
Negative
Market Momentum
MACD
>-0.01
Positive
RSI
39.02
Neutral
STOCH
>-0.01
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For TSE:MONT, the sentiment is Negative. The current price of 0.04 is below the 20-day moving average (MA) of 0.05, below the 50-day MA of 0.05, and below the 200-day MA of 0.07, indicating a bearish trend. The MACD of >-0.01 indicates Positive momentum. The RSI at 39.02 is Neutral, neither overbought nor oversold. The STOCH value of >-0.01 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for TSE:MONT.

TIMIA Capital Peers Comparison

Overall Rating
UnderperformOutperform
Sector (63)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
TSFVI
80
Outperform
$2.62B15.049.74%28.18%
TSVLE
78
Outperform
C$865.78M2.2759.16%97.41%-60.04%
TSSIL
76
Outperform
$2.18B18.4918.48%25.05%0.44%
63
Neutral
$14.39B9.818.95%4.37%16.38%-11.64%
TSRCK
43
Neutral
C$120.75M-41.17%55.89%
41
Neutral
C$4.49M-37.49%-9.65%-92.19%
TSNVO
36
Underperform
C$31.92M-145.85%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
TSE:MONT
TIMIA Capital
0.04
-0.10
-71.43%
TSE:SIL
SilverCrest Metals
14.63
4.90
50.36%
TSE:FVI
Fortuna Silver Mines
7.62
1.23
19.25%
TSE:NVO
Novo Resources
0.09
-0.08
-47.06%
TSE:VLE
Valeura Energy
7.15
1.63
29.53%
TSE:RCK
Rock Tech Lithium
1.04
-0.08
-7.14%

TIMIA Capital Corporate Events

Montfort Capital Declares Quarterly Dividends
Nov 27, 2024

Montfort Capital Corp. announced quarterly cash dividends for its Series A Class A and Series 1 Class C Preferred Shares, both payable on December 31, 2024. The dividends are designated as ‘eligible dividends’ for Canadian tax purposes and highlight the company’s commitment to providing preferential cash returns to its shareholders.

Montfort Capital Eyes Growth with Strategic Divestment
Nov 26, 2024

Montfort Capital reported a net loss improvement in Q3 2024 compared to the previous year, despite a dip in total revenue influenced by lower interest rates. The company is focusing on high-growth lending by planning to divest from Brightpath Capital Corporation to reduce debt and enhance profitability.

Montfort Capital Reveals Q3 2024 Results and Divestment Plan
Nov 26, 2024

Montfort Capital Corp reported its third-quarter 2024 financial results, showing a 3% increase in loans receivable and a 41% improvement in net loss compared to the previous year. Despite a 3% decrease in total revenue, the company managed to lower its expenses by 12%, leading to a net loss of $2.3 million. The company also plans to divest its interest in Brightpath Capital Corporation.

Glossary
OutperformA stock rated as "Outperform" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock is likely to deliver higher returns compared to the average returns of other stocks in the same sector or market index. Investors might consider this stock a good buying opportunity.
NeutralA stock rated as "Neutral" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly attractive nor unattractive for investment. Investors may consider holding onto the stock, as it is not expected to either significantly outperform or underperform the market.
UnderperformA stock rated as "Underperform" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock may deliver lower returns compared to the average returns of other stocks in the same sector or market index. Investors might consider selling the stock or avoiding it as an investment.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.