TIMIA Capital (MONT) AI Stock Analysis

• Market Cap: C$867.31K
• Dividend Yield: N/A
• Average Volume (3M): 61.02K
• Price to Earnings (P/E): ―
• Beta (1Y): 0.35
• Revenue Growth: N/A
• EPS Growth: N/A
• Country: CA
• Employees: 7
• Sector: General
• Sector Strength: N/A
• Industry: Asset Management
• EPS (TTM): >-0.01
• Shares Outstanding: 86,730,910
• 10 Day Avg. Volume: 94,070
• 30 Day Avg. Volume: 61,025
• PEG Ratio: >-0.01
• Price to Book (P/B): 0.34
• Price to Sales (P/S): 0.16
• P/FCF Ratio: -0.09
• 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
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 41 Neutral
• Price Target: C$0.00 ▼(-100.00% Downside)

The overall stock score is primarily impacted by the company's poor financial performance, characterized by declining revenues, negative profitability, and high leverage. Technical analysis further supports a bearish outlook with weak momentum indicators. Valuation concerns, including a negative P/E ratio and lack of dividend yield, also weigh heavily on the score. The absence of positive earnings call data or corporate events leaves these negative factors unmitigated.

Positive Factors

Business Model Strength

TIMIA's revenue-based financing model provides a unique value proposition, enabling growth-stage tech companies to secure capital while retaining equity, which can attract a steady pipeline of clients.

Strategic Partnerships

Strategic partnerships with VCs and accelerators can enhance deal flow and client acquisition, supporting long-term revenue growth and market presence.

Cost Management

Strong gross profit margin indicates effective cost control, which can help sustain profitability even amid revenue challenges.

Negative Factors

Declining Revenues

A significant decline in revenue raises concerns about the company's ability to maintain sales growth, impacting long-term financial stability.

High Leverage

High leverage increases financial risk and limits flexibility, potentially affecting the company's ability to invest in growth opportunities.

Negative Cash Flow

Negative free cash flow suggests cash outflows exceed inflows, which could hinder operational sustainability and future growth investments.

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 primarily through interest income on its financing agreements with technology companies. The company provides capital in exchange for a percentage of the companies' future revenues, which allows TIMIA to earn returns based on the performance of its portfolio companies. Additionally, TIMIA may charge fees related to the origination and management of these financing agreements. Its revenue model is enhanced by strategic partnerships with venture capital firms and technology accelerators, which can lead to a pipeline of potential clients needing growth capital.

TIMIA Capital Financial Statement Overview

Summary

TIMIA Capital faces several financial challenges, including declining revenues, negative profitability, and high leverage. The company's high debt levels and negative cash flows highlight potential financial instability. While there are some strengths, such as efficient cost management reflected in the gross profit margin, strategic measures are necessary to address debt levels and improve profitability and cash flow.

Income Statement

The income statement shows a concerning trend with a negative net income in the latest annual report, indicating losses. Revenue has decreased significantly by 52.84% from the previous year, which raises concerns about the company's ability to generate sales. Additionally, the net profit margin is negative, highlighting profitability challenges. However, the company has maintained a strong gross profit margin, suggesting efficient cost management at the revenue level.

Balance Sheet

The balance sheet indicates high leverage with a debt-to-equity ratio significantly above 1, reflecting potential financial risk. The equity ratio is low, indicating that a large portion of the company's assets are financed through debt. Return on equity is negative, which is a concern for investors seeking returns. The company needs to focus on strengthening its equity base and reducing debt.

Cash Flow

Cash flow analysis reveals a negative free cash flow, which is a concern as it indicates cash outflows are exceeding inflows, possibly impacting future operations. The operating cash flow to net income ratio is negative, suggesting operational inefficiencies. The company must improve its cash management to ensure sustainability.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	4.95M	0.00	25.56M	31.27M	8.02M	6.09M
Gross Profit	-1.68M	-19.55M	25.56M	31.27M	8.84M	6.09M
EBITDA	-698.39K	14.87M	12.10M	20.63M	5.52M	3.49M
Net Income	-15.52M	-23.69M	-12.50M	591.08K	2.26M	-586.34K
Balance Sheet
Total Assets	267.14M	413.08M	402.51M	455.47M	125.08M	41.92M
Cash, Cash Equivalents and Short-Term Investments	962.34K	2.03M	6.85M	7.01M	9.31M	12.87M
Total Debt	253.50M	211.21M	371.49M	373.73M	73.98M	6.95M
Total Liabilities	258.24M	401.23M	364.28M	402.60M	111.95M	7.57M
Stockholders Equity	8.90M	11.85M	35.77M	50.27M	13.13M	7.56M
Cash Flow
Free Cash Flow	-33.44M	-43.69M	-30.20M	-49.33M	7.04M	-4.42M
Operating Cash Flow	-33.44M	-43.69M	-30.20M	-49.33M	7.04M	-4.42M
Investing Cash Flow	2.47M	3.76M	256.82K	-2.23M	-4.57M	0.00
Financing Cash Flow	20.77M	36.82M	31.22M	47.02M	-5.15M	13.18M

TIMIA Capital Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 0.01
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Negative

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 0.01 is below the 20-day moving average (MA) of 0.01, below the 50-day MA of 0.01, and below the 200-day MA of 0.03, indicating a bearish trend. The MACD of >-0.01 indicates Positive momentum. The RSI at 42.92 is Neutral, neither overbought nor oversold. The STOCH value of 100.00 is Negative, 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
Sector *	55 Neutral	$6.65B	3.83	-15.92%	6.20%	10.91%	7.18%
QCA	48 Neutral	C$4.68M	-1.08	-37.19%	―	26.42%	-1217.14%
IDK	45 Neutral	C$6.60M	-0.23	-55.73%	―	53.55%	-289.42%
MONT	41 Neutral	C$867.31K	-0.07	―	―	―	―
FGFL	37 Underperform	C$1.17M	-2.05	-31.04%	―	-1041.39%	60.33%
LLL	32 Underperform	C$1.03M	-0.57	-527.67%	―	―	-91.35%
BLR.X	24 Underperform	C$397.13K	5.84	―	―	―	―

TIMIA Capital Corporate Events

Montfort Capital Reports Q3 2025 Results Amid Restructuring and Leadership Changes

Montfort Capital Corp. reported its financial results for the third quarter of 2025, highlighting the positive impact of restructuring efforts focused on reducing overhead expenses and concentrating operations in Toronto. Despite a decrease in total revenue by 8% due to lower transaction fees and interest rates, the company saw a significant decrease in net loss from discontinued operations, driven by the gain from the sale of Brightpath. The company also announced the departure of its CFO, with Catapult Consulting Group stepping in to manage financial reporting until a replacement is appointed.

Montfort Capital Finalizes Pivot Group Sale and Share Repurchase

Montfort Capital Corp. has completed the sale of its Pivot Group to Pivot Endgame Corp. and concurrently repurchased and canceled a significant number of shares from Dan Flaro, the president of the Pivot Group. The sale involved a cash consideration and promissory notes, while the share repurchase reduced Montfort’s outstanding common and preferred shares, reflecting strategic financial restructuring.

Montfort Capital Updates Pivot Sale Agreement and Announces Auditor Change

Montfort Capital Corp. has amended its agreement to sell the Pivot Group to a third-party investment fund, revising the payment terms to include a $1,000,000 cash consideration and a non-interest bearing promissory note. The sale’s closing date has been extended to October 31, 2025, with Montfort providing a $250,000 guarantee for certain loan receivables. Additionally, Montfort has announced a change of auditor, with PricewaterhouseCoopers LLP resigning and discussions underway to appoint a successor auditor.