Urbanfund (UFC) AI Stock Analysis

• Market Cap: C$45.16M
• Dividend Yield: 5.88%
• Average Volume (3M): 2.27K
• Price to Earnings (P/E): 4.8
• Beta (1Y): 0.31
• Revenue Growth: -42.83%
• EPS Growth: 15.30%
• Country: CA
• Employees: N/A
• Sector: Real Estate
• Sector Strength: 53
• Industry: Real Estate - Diversified
• EPS (TTM): 0.04
• Shares Outstanding: 53,756,810
• 10 Day Avg. Volume: 4,711
• 30 Day Avg. Volume: 2,271
• PEG Ratio: 0.09
• Price to Book (P/B): 0.55
• Price to Sales (P/S): 2.05
• P/FCF Ratio: 3.97
• 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: Hold
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 71 Outperform
• Price Target: C$0.93 ▲(6.67% Upside)

Urbanfund's stock score is driven by its strong valuation metrics, indicating it is undervalued with a high dividend yield. The company's profitability is robust, but challenges in revenue and cash flow growth present risks. Technical indicators suggest a neutral to positive trend, supporting the overall score.

Positive Factors

Profitability

High profitability margins indicate efficient cost management, which supports long-term financial health and competitive advantage.

Balance Sheet Health

Moderate leverage and a strong equity base enhance financial stability, providing resilience against economic fluctuations.

Cash Flow Conversion

Efficient conversion of net income into free cash flow supports liquidity and investment capacity, crucial for long-term growth.

Negative Factors

Revenue Decline

A declining revenue trend can hinder growth prospects and market competitiveness, posing a risk to future profitability.

Negative Free Cash Flow Growth

Negative free cash flow growth indicates potential liquidity issues, limiting the company's ability to fund operations and investments.

Revenue Growth Challenges

Sustained revenue growth challenges may impact the company's ability to expand and maintain its market position over time.

Urbanfund Business Overview & Revenue Model

Company Description

Urbanfund Corp. owns, develops, and operates a real estate portfolio for residential and commercial properties in Canada. The company focuses on identifying and investing in real estate and real estate related projects. Its assets are located in Toronto, Brampton, Belleville, Kitchener, and London, Ontario; Quebec City and Montreal, Quebec; and Dartmouth, Nova Scotia. Urbanfund Corp. was incorporated in 1997 and is headquartered in Toronto, Canada.

How the Company Makes Money

Urbanfund generates revenue through several key streams: primarily from property development projects, where it earns profit margins on the construction and sale of residential and commercial units. Additionally, the company generates income through leasing activities, receiving rental income from its managed properties. Urbanfund also engages in property management services for third-party owners, charging fees for its expertise in maintaining and optimizing the value of these assets. Strategic partnerships with local governments and community organizations often facilitate favorable development conditions, while collaborations with financial institutions can provide access to capital, further enhancing UFC's revenue potential.

Urbanfund Financial Statement Overview

Summary

Urbanfund's financial performance is mixed. The company shows strong profitability with high margins, but faces challenges in revenue growth and cash flow generation. The balance sheet remains stable with moderate leverage, but the decline in free cash flow is a concern. Overall, while the company is profitable, it needs to address revenue growth and cash flow issues to sustain long-term financial health.

Income Statement

Urbanfund's income statement shows a mixed performance. The TTM (Trailing-Twelve-Months) gross profit margin is strong at 44.32%, indicating efficient cost management. However, the revenue growth rate has declined significantly by 28.15% in the TTM, which is a concern. The net profit margin is high at 59.64%, suggesting strong profitability despite the revenue drop. Overall, the company demonstrates solid profitability but faces challenges in revenue growth.

Balance Sheet

The balance sheet reflects a stable financial position with a debt-to-equity ratio of 0.65 in the TTM, indicating moderate leverage. The return on equity is reasonable at 10.47%, showing effective use of equity to generate profits. The equity ratio stands at 54.21%, suggesting a solid equity base. While the company maintains a healthy balance sheet, the slight increase in debt levels over time should be monitored.

Cash Flow

Cash flow analysis reveals some weaknesses. The TTM free cash flow growth rate is negative at -50.38%, indicating a significant decline in free cash flow generation. The operating cash flow to net income ratio is 0.49, suggesting that cash generation from operations is not fully supporting net income. The free cash flow to net income ratio is relatively strong at 81.90%, but the overall cash flow performance needs improvement.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	12.01M	22.09M	8.64M	23.81M	6.45M	10.16M
Gross Profit	5.68M	9.35M	5.10M	9.90M	3.43M	4.17M
EBITDA	8.31M	8.85M	4.57M	12.13M	8.46M	10.72M
Net Income	9.34M	9.62M	6.38M	7.34M	10.30M	8.00M
Balance Sheet
Total Assets	156.32M	155.60M	155.41M	150.78M	144.47M	124.09M
Cash, Cash Equivalents and Short-Term Investments	10.19M	12.28M	3.57M	13.24M	10.62M	6.78M
Total Debt	54.34M	55.51M	65.10M	65.07M	65.78M	54.55M
Total Liabilities	69.01M	70.60M	77.69M	77.63M	76.76M	65.85M
Stockholders Equity	85.48M	83.12M	75.90M	71.67M	66.47M	57.37M
Cash Flow
Free Cash Flow	3.56M	11.42M	1.23M	5.24M	-6.99M	-14.68M
Operating Cash Flow	4.85M	12.94M	2.48M	8.05M	-2.24M	5.60M
Investing Cash Flow	-1.61M	-237.49K	-4.79M	-2.40M	-4.25M	-21.38M
Financing Cash Flow	-4.53M	-3.99M	-7.48M	-3.02M	10.33M	14.98M

Urbanfund Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 0.87
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For TSE:UFC, the sentiment is Positive. The current price of 0.87 is above the 20-day moving average (MA) of 0.84, above the 50-day MA of 0.83, and above the 200-day MA of 0.81, indicating a bullish trend. The MACD of <0.01 indicates Negative momentum. The RSI at 58.25 is Neutral, neither overbought nor oversold. The STOCH value of 46.67 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for TSE:UFC.

Urbanfund Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
UFC	71 Outperform	C$45.16M	4.82	11.35%	5.88%	-42.83%	15.30%
Sector *	65 Neutral	$2.17B	12.19	3.79%	4.94%	3.15%	1.96%
RPR.UN	53 Neutral	C$15.45M	-0.11	-141.77%	―	-6.21%	65.52%
INO.UN	51 Neutral	C$30.96M	-0.86	-17.55%	―	-7.30%	55.77%
MPCT.UN	42 Neutral	C$27.36M	-0.69	-9.99%	―	-25.69%	0.12%

Urbanfund Corporate Events

Urbanfund Corp. Completes $16.3 Million Refinancing of Toronto Property

Urbanfund Corp. has successfully refinanced its townhouse complex in Toronto with a new $16.3 million mortgage from First National Financial LP. This refinancing, which carries a fixed interest rate of 3.55% for five years, allows Urbanfund to repay an existing $8 million mortgage and allocate remaining funds towards general corporate purposes and future growth initiatives. This move is expected to strengthen Urbanfund’s financial position and support its strategic growth in the Canadian real estate market.

Urbanfund Corp. Reports Strong Financial Results and Strategic Refinancing

Urbanfund Corp. reported its financial results for the three and nine months ended September 30, 2025, highlighting significant sales of commercial units across several properties. The company has successfully returned capital from these investments and entered into a refinancing commitment for a Toronto property, which will provide funds for corporate purposes. These activities demonstrate Urbanfund’s strategic partnerships and operational strengths, positioning them favorably in the real estate market.

Urbanfund Corp. Declares Quarterly Dividend and Offers Reinvestment Incentives

Urbanfund Corp. has announced a dividend of $0.0125 per common share and Series A, first preferred share for the quarter ending September 30, 2025, payable on October 15, 2025. This move underscores Urbanfund’s commitment to providing shareholder value and offers an enhanced dividend tax credit for Canadian residents. The company also offers Dividend Reinvestment Plans, allowing shareholders to reinvest dividends at a 5% discount, further incentivizing investment in the company.