TIMIA Capital (MONT) AI Stock Analysis

• Market Cap: C$4.49M
• Dividend Yield: N/A
• Average Volume (3M): 5.68K
• Price to Earnings (P/E): ―
• Beta (1Y): 1.10
• Revenue Growth: -9.65%
• EPS Growth: -92.19%
• Country: CA
• Employees: 7
• Sector: Financial
• Sector Strength: 83
• Industry: Asset Management
• EPS (TTM): -0.14
• Shares Outstanding: 99,817,280
• 10 Day Avg. Volume: 4,600
• 30 Day Avg. Volume: 5,683
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): 0.11
• Price to Cash Flow (P/CF): -0.10
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

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 Business Overview & Revenue Model

Company Description

Montfort Capital Corp. acquires, manages, and builds companies that delivers private credit to diversified markets in North America. The company offers asset-based private credit for mid-market borrowers; revenue-based investment to business-to-business Software-as-a-Service businesses; and loan management services. The company was formerly known as TIMIA Capital Corp. and changed its name to Montfort Capital Corp. in June 2022. Montfort Capital Corp. was incorporated in 2007 and is headquartered in Vancouver, Canada.

How the Company Makes Money

TIMIA 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

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

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

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
Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019
Income Statement		Total Revenue
51.47M	31.27M	8.98M	6.09M	3.29M
	Gross Profit
49.39M	29.86M	8.84M	6.03M	3.21M
	EBIT
-12.64M	4.41M	140.90K	1.96M	-173.57K
	EBITDA
25.06M	20.63M	5.92M	3.51M	469.42K
	Net Income Common Stockholders
-12.36M	591.08K	2.26M	-586.34K	-1.54M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
8.28M	7.01M	9.31M	12.87M	4.66M
	Total Assets
402.51M	462.47M	125.08M	41.92M	27.11M
	Total Debt
352.99M	306.97M	73.98M	6.64M	9.53M
	Net Debt
344.71M	299.96M	64.67M	-6.23M	4.87M
	Total Liabilities
364.28M	402.60M	111.95M	7.57M	12.81M
	Stockholders Equity
35.77M	57.26M	13.13M	7.56M	2.69M
Cash Flow		Free Cash Flow
-30.20M	-49.33M	7.04M	-4.42M	-333.22K
	Operating Cash Flow
-30.20M	-49.33M	7.04M	-4.42M	-333.22K
	Investing Cash Flow
256.82K	-2.23M	-4.57M	16.71M	-11.59M
	Financing Cash Flow
31.22M	47.02M	-5.15M	13.18M	12.84M

TIMIA Capital Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 0.04
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Positive
• STOCH: 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 0.04, below the 50-day MA of 0.05, and below the 200-day MA of 0.06, indicating a bearish trend. The MACD of >-0.01 indicates Negative momentum. The RSI at 24.66 is Positive, 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
VLE	78 Outperform	C$813.79M	2.44	59.16%	―	97.41%	-60.04%
Sector *	63 Neutral	$12.32B	9.52	7.89%	79.24%	12.74%	-4.55%
MONT	41 Neutral	C$4.49M	―	-37.49%	―	-9.65%	-92.19%
RCK	39 Underperform	C$117.83M	―	-41.17%	―	―	48.98%
NVO	36 Underperform	C$42.56M	―	-145.85%	―	―	―

TIMIA Capital Corporate Events

Montfort Capital Declares Quarterly Dividends

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

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

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.