Income Financial Trust
Income Financial Trust Fundamental Analysis
Income Financial Trust (INC-UN.TO) shows moderate financial fundamentals with a PE ratio of 4.46, profit margin of 1.98%, and ROE of 21.91%. The company generates $0.0B in annual revenue with N/A year-over-year growth of N/A.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 79.3/100 based on profitability, valuation, growth, and balance sheet metrics. The B grade reflects solid fundamentals with room for improvement in valuation or growth.
Fundamental Health Score
We analyze INC-UN.TO's fundamental strength across five key dimensions:
Efficiency Score
ExcellentINC-UN.TO demonstrates superior asset utilization.
Valuation Score
ExcellentINC-UN.TO trades at attractive valuation levels.
Growth Score
ModerateINC-UN.TO shows steady but slowing expansion.
Financial Health Score
ExcellentINC-UN.TO maintains a strong and stable balance sheet.
Profitability Score
ModerateINC-UN.TO maintains healthy but balanced margins.
Key Financial Metrics
Is INC-UN.TO Expensive or Cheap?
P/E Ratio
INC-UN.TO trades at 4.46 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, INC-UN.TO's PEG of -0.31 indicates potential undervaluation.
Price to Book
The market values Income Financial Trust at 1.00 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 6.49 times EBITDA. This is generally considered low.
How Well Does INC-UN.TO Make Money?
Net Profit Margin
For every $100 in sales, Income Financial Trust keeps $1.98 as profit after all expenses.
Operating Margin
Core operations generate 2.00 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $21.91 in profit for every $100 of shareholder equity.
ROA
Income Financial Trust generates $22.11 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Income Financial Trust generates strong operating cash flow of $1.22M, reflecting robust business health.
Free Cash Flow
Income Financial Trust generates strong free cash flow of $1.22M, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $0.36 in free cash annually.
FCF Yield
INC-UN.TO converts 3.92% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
4.46
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
-0.31
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.00
vs 25 benchmark
P/S Ratio
Price to sales ratio
9.32
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.00
vs 25 benchmark
Current Ratio
Current assets to current liabilities
1.57
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.22
vs 25 benchmark
ROA
Return on assets percentage
0.22
vs 25 benchmark
ROCE
Return on capital employed
0.23
vs 25 benchmark
How INC-UN.TO Stacks Against Its Sector Peers
| Metric | INC-UN.TO Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 4.46 | 18.66 | Better (Cheaper) |
| ROE | 21.91% | 806.00% | Weak |
| Net Margin | 198.00% | -451.00% (disorted) | Strong |
| Debt/Equity | 0.00 | 1.00 | Strong (Low Leverage) |
| Current Ratio | 1.57 | 662.02 | Neutral |
| ROA | 22.11% | -24409.00% (disorted) | Strong |
INC-UN.TO outperforms its industry in 4 out of 6 key metrics, particularly excelling in Net Margin, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Income Financial Trust's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
N/A
Industry Style: Value, Dividend, Cyclical
EPS CAGR
N/A
Industry Style: Value, Dividend, Cyclical
FCF CAGR
N/A
Industry Style: Value, Dividend, Cyclical