Skip to content
Menu
Get the app WatchlistsPortfoliosAlerts
Pricing Sign in

Home Loan Financial Corporation HLFN

Full chart Compare
Set alert

Price alert · HLFN

All alert types
46.00 USD 0.00 (+0.00%)

Regular-session close

51.00 Day range 51.00
33.35 52-week range 64.99
YTD
+31.92%
1 year
+37.93%

Included in Essentials and up

Sign in to see Fair value

Discounted cash flow estimates against the price, and the P/E against its industry and sector.

Sign in

Included in Essentials and up

Sign in to see Head count and owner earnings

Employees by annual report and the cash the business earns for its owners.

Sign in

Financial health

Altman Z-Score

0.42 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

5 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

Rating

A-4 / 5 overall

  • DCF 3
  • Return on Equity 5
  • Return on Assets 4
  • Debt / Equity 3
  • P/E 4
  • P/B 2

Valuation

P/E 7.0×
FY 2016: 12.7×FY 2017: 12.6×FY 2018: 13.1×FY 2019: 11.6×FY 2020: 11.9×FY 2021: 11.3×FY 2022: 7.8×FY 2023: 7.3×FY 2024: 6.4×FY 2025: 7.0×
FY 2016 5y median 7.3× FY 2025
P/S 2.2×
FY 2016: 3.7×FY 2017: 3.7×FY 2018: 4.0×FY 2019: 3.3×FY 2020: 3.6×FY 2021: 3.8×FY 2022: 2.5×FY 2023: 1.9×FY 2024: 1.8×FY 2025: 2.2×
FY 2016 5y median 2.2× FY 2025
P/B 1.2×
FY 2016: 1.4×FY 2017: 1.5×FY 2018: 1.7×FY 2019: 1.4×FY 2020: 1.4×FY 2021: 1.4×FY 2022: 1.1×FY 2023: 1.0×FY 2024: 1.1×FY 2025: 1.2×
FY 2016 5y median 1.1× FY 2025
P/FCF 0.0×
FY 2016: 15.2×FY 2017: 12.7×FY 2018: 10.7×FY 2019: 10.6×FY 2020: 28.9×FY 2021: 11.6×FY 2022: 6.8×FY 2023: 6.3×FY 2024: 5.4×FY 2025: 0.0×
FY 2016 5y median 6.3× FY 2025
EV/EBITDA 6.6×
FY 2016: 10.2×FY 2017: 11.6×FY 2018: 11.3×FY 2019: 2.5×FY 2020: 3.0×FY 2021: 8.2×FY 2022: 9.5×FY 2023: 10.2×FY 2024: 7.4×FY 2025: 6.6×
FY 2016 5y median 8.2× FY 2025
EV/Sales 2.6×
FY 2016: 4.4×FY 2017: 4.8×FY 2018: 4.4×FY 2019: 0.9×FY 2020: 1.1×FY 2021: 3.4×FY 2022: 4.0×FY 2023: 3.6×FY 2024: 2.6×FY 2025: 2.6×
FY 2016 5y median 3.4× FY 2025
FCF Yield 0.0%
FY 2016: 6.6%FY 2017: 7.9%FY 2018: 9.3%FY 2019: 9.4%FY 2020: 3.5%FY 2021: 8.6%FY 2022: 14.6%FY 2023: 15.8%FY 2024: 18.4%FY 2025: 0.0%
FY 2016 5y median 14.6% FY 2025

Profitability

Gross Margin 69.6%
FY 2016: 100.0%FY 2017: 100.0%FY 2018: 86.5%FY 2019: 84.4%FY 2020: 88.2%FY 2021: 92.0%FY 2022: 86.1%FY 2023: 72.7%FY 2024: 70.1%FY 2025: 69.6%
FY 2016 5y median 72.7% FY 2025
Operating Margin 39.5%
FY 2016: 42.0%FY 2017: 41.2%FY 2018: 37.6%FY 2019: 34.7%FY 2020: 37.3%FY 2021: 40.9%FY 2022: 41.2%FY 2023: 33.9%FY 2024: 35.7%FY 2025: 39.5%
FY 2016 5y median 39.5% FY 2025
Net Margin 31.4%
FY 2016: 29.0%FY 2017: 29.3%FY 2018: 30.6%FY 2019: 28.4%FY 2020: 30.3%FY 2021: 33.3%FY 2022: 32.7%FY 2023: 26.4%FY 2024: 28.7%FY 2025: 31.4%
FY 2016 5y median 31.4% FY 2025
ROE 17.7%
FY 2016: 11.5%FY 2017: 11.6%FY 2018: 12.7%FY 2019: 11.7%FY 2020: 12.0%FY 2021: 12.6%FY 2022: 14.5%FY 2023: 14.1%FY 2024: 16.5%FY 2025: 17.7%
FY 2016 5y median 14.5% FY 2025
ROIC 10.4%
FY 2016: 1.5%FY 2017: 1.6%FY 2018: 9.5%FY 2019: 9.5%FY 2020: 10.3%FY 2021: 10.6%FY 2022: 7.4%FY 2023: 2.9%FY 2024: 6.9%FY 2025: 10.4%
FY 2016 5y median 7.4% FY 2025
ROA 2.3%
FY 2016: 1.5%FY 2017: 1.6%FY 2018: 1.7%FY 2019: 1.5%FY 2020: 1.5%FY 2021: 1.6%FY 2022: 1.8%FY 2023: 1.7%FY 2024: 2.0%FY 2025: 2.3%
FY 2016 5y median 1.8% FY 2025

Growth (YoY)

Revenue 11.1%
FY 2016: 1.1%FY 2017: 5.1%FY 2018: 11.0%FY 2019: 3.4%FY 2020: 0.2%FY 2021: -1.5%FY 2022: 26.9%FY 2023: 31.0%FY 2024: 21.2%FY 2025: 11.1%
FY 2016 FY 2025
Operating Income 22.8%
FY 2016: -4.8%FY 2017: 2.9%FY 2018: 1.5%FY 2019: -4.8%FY 2020: 7.7%FY 2021: 8.1%FY 2022: 27.8%FY 2023: 7.7%FY 2024: 27.8%FY 2025: 22.8%
FY 2016 FY 2025
EPS (diluted) 21.0%
FY 2016: -5.7%FY 2017: 6.0%FY 2018: 16.1%FY 2019: -3.7%FY 2020: 6.6%FY 2021: 8.4%FY 2022: 24.2%FY 2023: 5.7%FY 2024: 31.8%FY 2025: 21.0%
FY 2016 FY 2025
Free Cash Flow -100.0%
FY 2016: -25.4%FY 2017: 26.9%FY 2018: 42.4%FY 2019: -13.9%FY 2020: -59.9%FY 2021: 157.1%FY 2022: 45.2%FY 2023: 7.5%FY 2024: 34.3%FY 2025: -100.0%
FY 2016 FY 2025

Financial Health

Current Ratio 0.0×
FY 2016: 0.9×FY 2017: 0.4×FY 2018: 0.0×FY 2019: 0.2×FY 2020: 0.2×FY 2021: 0.0×FY 2022: 0.0×FY 2023: 0.1×FY 2024: 0.0×FY 2025: 0.0×
FY 2016 5y median 0.0× FY 2025
Quick Ratio 0.0×
FY 2016: 0.9×FY 2017: 0.4×FY 2018: 0.0×FY 2019: 0.2×FY 2020: 0.2×FY 2021: 0.0×FY 2022: 0.0×FY 2023: 0.1×FY 2024: 0.0×FY 2025: 0.0×
FY 2016 5y median 0.0× FY 2025
Debt / Equity 0.3×
FY 2016: 0.8×FY 2017: 0.5×FY 2018: 0.3×FY 2019: 0.2×FY 2020: 0.1×FY 2021: 0.1×FY 2022: 0.9×FY 2023: 1.1×FY 2024: 0.7×FY 2025: 0.3×
FY 2016 5y median 0.7× FY 2025
Net Debt / EBITDA 1.1×
FY 2016: 1.7×FY 2017: 2.7×FY 2018: 0.9×FY 2019: -6.7×FY 2020: -6.4×FY 2021: -0.8×FY 2022: 3.5×FY 2023: 4.6×FY 2024: 2.3×FY 2025: 1.1×
FY 2016 5y median 2.3× FY 2025
Interest Coverage 1.5×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 2.8×FY 2019: 2.2×FY 2020: 3.2×FY 2021: 5.1×FY 2022: 3.0×FY 2023: 1.2×FY 2024: 1.2×FY 2025: 1.5×
FY 2016 5y median 1.5× FY 2025

Dividends

Dividend Yield 4.8%
FY 2016: 5.1%FY 2017: 4.8%FY 2018: 4.5%FY 2019: 5.7%FY 2020: 5.2%FY 2021: 5.4%FY 2022: 6.7%FY 2023: 6.7%FY 2024: 5.9%FY 2025: 4.8%
FY 2016 5y median 5.9% FY 2025
Payout Ratio 33.8%
FY 2016: 64.5%FY 2017: 60.9%FY 2018: 58.4%FY 2019: 65.5%FY 2020: 61.2%FY 2021: 61.0%FY 2022: 52.0%FY 2023: 49.3%FY 2024: 37.7%FY 2025: 33.8%
FY 2016 5y median 49.3% FY 2025

Annual · latest fiscal year ends 2026-06-30