Urbanfund (UFC) AI Stock Analysis

• Market Cap: C$54.83M
• Dividend Yield: 5.88%
• Average Volume (3M): 2.27K
• Price to Earnings (P/E): 5.7
• Beta (1Y): 0.38
• Revenue Growth: -42.83%
• EPS Growth: 15.30%
• Country: CA
• Employees: N/A
• Sector: General
• Sector Strength: N/A
• 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: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 71 Outperform
• Price Target: C$1.00 ▲(8.70% 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

High profit margins

Sustained very high net profit and EBIT margins indicate durable operating efficiency and pricing power in core activities. For an asset developer/manager, such margins provide a structural cushion against cyclical revenue dips and enable reinvestment in projects and asset maintenance over time.

Moderate leverage, strong equity base

A moderate debt-to-equity ratio with a >50% equity ratio suggests balance sheet resilience for a real estate developer. This capital structure supports project financing capacity, reduces default risk in downturns, and preserves long-term optionality for growth or partnerships.

Diversified real estate revenue streams

Multiple, complementary income streams (development profits, leasing income, management fees) plus strategic public and financial partnerships create durable cash-flow diversification. This lowers single-market risk and improves the firm’s ability to fund projects and capture urban revitalization opportunities.

Negative Factors

Sharp revenue contraction

A large, persistent revenue decline is a structural concern for a development-focused firm: it can erode project pipelines, reduce economies of scale, and strain stakeholder confidence. Continued top-line weakness may force asset sales, slow expansion, or require reprioritization of projects over months.

Weak cash generation trends

Declining free cash flow growth and sub‑unity operating-cash-to-net-income suggest earnings convert poorly to spendable cash. For a capital-intensive developer, this raises reliance on external financing, constrains reinvestment in projects, and increases vulnerability to rate or liquidity shocks.

Limited liquidity on small exchange

Low average trading volume and listing on a smaller exchange limit the investor base and institutional interest. Structurally this can make raising equity or executing large secondary placements harder and increase borrowing costs or dilution risk when sizable capital is required.

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: 0.92
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• 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 0.92 is above the 20-day moving average (MA) of 0.86, above the 50-day MA of 0.85, and above the 200-day MA of 0.82, indicating a bullish trend. The MACD of 0.02 indicates Negative momentum. The RSI at 74.40 is Negative, neither overbought nor oversold. The STOCH value of 70.83 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$54.83M	5.69	11.35%	5.88%	-42.83%	15.30%
IEI	66 Neutral	C$32.89M	6.70	4.45%	2.31%	2.03%	―
Sector *	55 Neutral	$6.65B	3.83	-15.92%	6.20%	10.91%	7.18%
INO.UN	48 Neutral	C$32.98M	-0.92	-17.55%	―	-7.30%	55.77%
KDSX	44 Neutral	C$35.20M	-6.41	-103.14%	―	―	-156.02%

Urbanfund Corporate Events

Urbanfund Extends $10 Million Related-Party Loan to Control Shareholder Westdale

Urbanfund Corp. has entered into a loan agreement to provide a $10 million, one-year loan to Westdale Construction Co. Limited at an annual interest rate of 5.45%. Because Westdale is a control person of Urbanfund and is linked to both the company’s chairman and its CEO, the financing is classified as a related-party transaction under securities regulations, but it is exempt from formal valuation and minority shareholder approval requirements as the loan value is below 25% of Urbanfund’s market capitalization and the company is not listed on a specified senior exchange. The transaction underscores Urbanfund’s ongoing financial ties with its major shareholder while operating within the available regulatory exemptions for related-party dealings.

The most recent analyst rating on (TSE:UFC) stock is a Buy with a C$0.93 price target. To see the full list of analyst forecasts on Urbanfund stock, see the TSE:UFC Stock Forecast page.

Urbanfund Declares Quarterly Dividend and Highlights Discounted DRIP

Urbanfund Corp. has declared a dividend of $0.0125 per common share and $0.0125 per Series A first preferred share for the quarter ended December 31, 2025, equivalent to $0.05 per share on an annualized basis, payable on January 15, 2026 to shareholders of record on December 31, 2025. The dividend has been designated as an eligible dividend for Canadian tax purposes, and investors can elect to reinvest their payouts through the company’s dividend reinvestment plans, which allow shareholders to purchase additional common shares at a 5% discount to the recent volume-weighted average price, underscoring Urbanfund’s efforts to return capital while supporting continued equity participation among its investors.

The most recent analyst rating on (TSE:UFC) stock is a Buy with a C$0.93 price target. To see the full list of analyst forecasts on Urbanfund stock, see the TSE:UFC Stock Forecast page.

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.

The most recent analyst rating on (TSE:UFC) stock is a Buy with a C$1.00 price target. To see the full list of analyst forecasts on Urbanfund stock, see the TSE:UFC Stock Forecast page.

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.

The most recent analyst rating on (TSE:UFC) stock is a Buy with a C$1.00 price target. To see the full list of analyst forecasts on Urbanfund stock, see the TSE:UFC Stock Forecast page.