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Merchants Financial Group, Inc. MFGI

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Price alert · MFGI

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45.75 USD 0.00 0.00%

At close · Oct 30

45.00 Day range 45.75
26.75 52-week range 45.75
YTD
+43.01%
1 year
+71.03%
Open
45.00
Prev close
45.75
Mkt cap
374.18M
Vol
500
Avg vol
1.60K
EPS
3.23
P/E
14.16
More statistics
Low
45.00
High
45.75

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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.

FMP rating

A-4 / 5 overall

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

Valuation

P/E 8.0×
FY 2016: 10.2×FY 2017: 8.3×FY 2018: 10.1×FY 2019: 9.9×FY 2020: 7.9×FY 2021: 6.9×FY 2022: 7.6×FY 2023: 7.4×FY 2024: 10.8×FY 2025: 8.0×
FY 2016 5y median 7.6× FY 2025
P/S 1.5×
FY 2016: 1.7×FY 2017: 2.0×FY 2018: 2.1×FY 2019: 1.8×FY 2020: 1.3×FY 2021: 1.6×FY 2022: 1.9×FY 2023: 1.3×FY 2024: 1.2×FY 2025: 1.5×
FY 2016 5y median 1.5× FY 2025
P/B 0.8×
FY 2016: 1.0×FY 2017: 1.0×FY 2018: 1.1×FY 2019: 1.0×FY 2020: 0.8×FY 2021: 0.9×FY 2022: 1.0×FY 2023: 0.7×FY 2024: 0.7×FY 2025: 0.8×
FY 2016 5y median 0.8× FY 2025
P/FCF 26.1×
FY 2016: 17.8×FY 2017: 12.8×FY 2018: 10.5×FY 2019: 229×FY 2020: 6.6×FY 2021: 5.7×FY 2022: 5.9×FY 2023: 6.4×FY 2024: 5.6×FY 2025: 26.1×
FY 2016 5y median 5.9× FY 2025
EV/EBITDA 1.3×
FY 2016: 9.1×FY 2017: 8.8×FY 2018: 10.4×FY 2019: 4.7×FY 2020: -4.7×FY 2021: -12.0×FY 2022: 1.1×FY 2023: 4.2×FY 2024: 2.0×FY 2025: 1.3×
FY 2016 5y median 1.3× FY 2025
EV/Sales 0.3×
FY 2016: 2.5×FY 2017: 2.5×FY 2018: 2.9×FY 2019: 1.5×FY 2020: -1.4×FY 2021: -4.7×FY 2022: 0.5×FY 2023: 1.3×FY 2024: 0.4×FY 2025: 0.3×
FY 2016 5y median 0.4× FY 2025
FCF Yield 3.8%
FY 2016: 5.6%FY 2017: 7.8%FY 2018: 9.5%FY 2019: 0.4%FY 2020: 15.2%FY 2021: 17.5%FY 2022: 16.9%FY 2023: 15.7%FY 2024: 17.9%FY 2025: 3.8%
FY 2016 5y median 16.9% FY 2025

Profitability

Gross Margin 70.6%
FY 2016: 100.0%FY 2017: 100.0%FY 2018: 103.4%FY 2019: 87.2%FY 2020: 90.3%FY 2021: 93.4%FY 2022: 93.2%FY 2023: 78.1%FY 2024: 69.2%FY 2025: 70.6%
FY 2016 5y median 78.1% FY 2025
Operating Margin 23.5%
FY 2016: 29.8%FY 2017: 29.6%FY 2018: 30.9%FY 2019: 25.0%FY 2020: 21.7%FY 2021: 30.9%FY 2022: 33.5%FY 2023: 23.6%FY 2024: 15.0%FY 2025: 23.5%
FY 2016 5y median 23.6% FY 2025
Net Margin 18.6%
FY 2016: 16.2%FY 2017: 23.6%FY 2018: 20.6%FY 2019: 17.9%FY 2020: 16.0%FY 2021: 22.7%FY 2022: 24.9%FY 2023: 17.7%FY 2024: 11.4%FY 2025: 18.6%
FY 2016 5y median 18.6% FY 2025
ROE 10.5%
FY 2016: 9.4%FY 2017: 12.6%FY 2018: 10.6%FY 2019: 10.0%FY 2020: 10.2%FY 2021: 12.5%FY 2022: 12.6%FY 2023: 9.7%FY 2024: 6.7%FY 2025: 10.5%
FY 2016 5y median 10.5% FY 2025
ROIC 8.2%
FY 2016: 1.3%FY 2017: 1.8%FY 2018: 1.5%FY 2019: 6.6%FY 2020: 7.1%FY 2021: 9.3%FY 2022: 9.4%FY 2023: 6.0%FY 2024: 5.2%FY 2025: 8.2%
FY 2016 5y median 8.2% FY 2025
ROA 1.1%
FY 2016: 0.9%FY 2017: 1.3%FY 2018: 1.1%FY 2019: 0.9%FY 2020: 0.9%FY 2021: 1.0%FY 2022: 1.2%FY 2023: 1.0%FY 2024: 0.7%FY 2025: 1.1%
FY 2016 5y median 1.0% FY 2025

Growth (YoY)

Revenue 7.4%
FY 2016: 7.2%FY 2017: 1.2%FY 2018: 3.5%FY 2019: 20.8%FY 2020: 21.8%FY 2021: -6.0%FY 2022: -3.4%FY 2023: 17.6%FY 2024: 13.0%FY 2025: 7.4%
FY 2016 FY 2025
Operating Income 68.2%
FY 2016: 6.7%FY 2017: 0.4%FY 2018: 8.4%FY 2019: -2.4%FY 2020: 5.7%FY 2021: 34.2%FY 2022: 4.7%FY 2023: -17.1%FY 2024: -28.1%FY 2025: 68.2%
FY 2016 FY 2025
EPS (diluted) 71.8%
FY 2016: 5.4%FY 2017: 47.5%FY 2018: -9.6%FY 2019: 4.7%FY 2020: 9.3%FY 2021: 35.2%FY 2022: 5.5%FY 2023: -16.1%FY 2024: -27.6%FY 2025: 71.8%
FY 2016 FY 2025
Free Cash Flow -72.4%
FY 2016: -38.9%FY 2017: 66.2%FY 2018: 34.3%FY 2019: -95.3%FY 2020: 2947.1%FY 2021: 33.6%FY 2022: 11.2%FY 2023: -23.9%FY 2024: 21.6%FY 2025: -72.4%
FY 2016 FY 2025

Financial Health

Current Ratio 0.1×
FY 2016: 0.1×FY 2017: 0.1×FY 2018: 0.1×FY 2019: 0.1×FY 2020: 0.2×FY 2021: 0.3×FY 2022: 0.1×FY 2023: 0.0×FY 2024: 0.1×FY 2025: 0.1×
FY 2016 5y median 0.1× FY 2025
Quick Ratio 0.1×
FY 2016: 0.1×FY 2017: 0.1×FY 2018: 0.1×FY 2019: 0.1×FY 2020: 0.2×FY 2021: 0.3×FY 2022: 0.1×FY 2023: 0.0×FY 2024: 0.1×FY 2025: 0.1×
FY 2016 5y median 0.1× FY 2025
Debt / Equity 0.1×
FY 2016: 0.6×FY 2017: 0.4×FY 2018: 0.7×FY 2019: 0.3×FY 2020: 0.3×FY 2021: 0.2×FY 2022: 0.2×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 0.1×
FY 2016 5y median 0.1× FY 2025
Net Debt / EBITDA -4.2×
FY 2016: 3.1×FY 2017: 1.9×FY 2018: 3.0×FY 2019: -0.8×FY 2020: -8.9×FY 2021: -16.0×FY 2022: -3.5×FY 2023: -0.1×FY 2024: -4.4×FY 2025: -4.2×
FY 2016 5y median -4.2× FY 2025
Interest Coverage 0.8×
FY 2016: 12.8×FY 2017: 11.5×FY 2018: 9.6×FY 2019: 1.9×FY 2020: 2.2×FY 2021: 4.7×FY 2022: 4.9×FY 2023: 1.1×FY 2024: 0.5×FY 2025: 0.8×
FY 2016 5y median 1.1× FY 2025

Dividends

Dividend Yield 2.4%
FY 2016: 2.0%FY 2017: 1.7%FY 2018: 3.2%FY 2019: 2.0%FY 2020: 2.4%FY 2021: 3.5%FY 2022: 2.2%FY 2023: 2.9%FY 2024: 2.8%FY 2025: 2.4%
FY 2016 5y median 2.8% FY 2025
Payout Ratio 19.2%
FY 2016: 20.9%FY 2017: 14.3%FY 2018: 32.5%FY 2019: 19.6%FY 2020: 18.8%FY 2021: 24.2%FY 2022: 16.3%FY 2023: 21.7%FY 2024: 30.7%FY 2025: 19.2%
FY 2016 5y median 21.7% FY 2025

Annual · latest fiscal year ends 2025-12-31