Solution Financial Inc. Logo

Solution Financial Inc.

SLNFF

(1.2)
Stock Price

0,20 USD

1.23% ROA

3.01% ROE

65.5x PER

Market Cap.

24.954.396,81 USD

28.55% DER

1.39% Yield

2.72% NPM

Solution Financial Inc. Stock Analysis

Solution Financial Inc. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Solution Financial Inc. Fundamental Stock Analysis
# Analysis Rating
1 ROE

ROE in an average range (0.9%) suggests satisfactory profitability and decent utilization of shareholders' equity.

2 ROA

The stock's ROA (0.42%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

3 PBV

The stock's PBV ratio (1.64x) indicates a justifiable valuation, presenting a compelling choice for investors seeking reasonable returns.

4 DER

The stock has a reasonable amount of debt compared to its ownership (88%), suggesting a balanced financial position and a moderate level of risk.

5 Buffet Intrinsic Value

The company's stock presents an enticing opportunity as it appears undervalued (51) by Warren Buffett's formula, indicating that its intrinsic value exceeds the market price.

6 Revenue Growth

Regrettably, this company's revenue has shown no signs of growth over the past three years, suggesting limited potential for returns and making it a less appealing choice.

7 Net Profit Growth

This company's net profit has remained flat over the past five years, suggesting a lack of growth and making it a less attractive investment opportunity.

8 Assets Growth

Company's revenue has stayed stagnant, showing no signs of improvement and making it a less favorable choice.

9 Graham Number

The Graham number analysis indicates that this company's stock price is likely overpriced, raising concerns about its investment potential.

10 Dividend Growth

The company's dividend growth has been flat for the past three years, raising concerns for potential investors seeking reliable returns.

11 Dividend

No dividends from the company in the past three years raises doubts about its profitability for shareholders.

Solution Financial Inc. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Solution Financial Inc. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Sell
3 RSI Sell
4 Stoch RSI Sell

Solution Financial Inc. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Solution Financial Inc. Revenue
Year Revenue Growth
2007 0
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 3.603.158 100%
2016 4.824.509 25.32%
2017 5.579.541 13.53%
2018 4.811.304 -15.97%
2019 9.639.563 50.09%
2020 14.299.070 32.59%
2021 20.452.133 30.09%
2022 20.347.916 -0.51%
2023 12.332.824 -64.99%
2023 15.377.450 19.8%
2024 18.070.752 14.9%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Solution Financial Inc. Research and Development Expenses
Year Research and Development Expenses Growth
2007 0
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Solution Financial Inc. General and Administrative Expenses
Year General and Administrative Expenses Growth
2007 0
2008 280.594 100%
2009 175.402 -59.97%
2010 116.488 -50.58%
2011 83.996 -38.68%
2012 84.121 0.15%
2013 39.323 -113.92%
2014 56.698 30.64%
2015 67.018 15.4%
2016 56.206 -19.24%
2017 647.683 91.32%
2018 1.605.258 59.65%
2019 1.205.328 -33.18%
2020 923.046 -30.58%
2021 1.209.739 23.7%
2022 1.498.443 19.27%
2023 1.428.784 -4.88%
2023 1.864.806 23.38%
2024 1.636.160 -13.97%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Solution Financial Inc. EBITDA
Year EBITDA Growth
2007 -57.822
2008 -280.594 79.39%
2009 -35.349 -693.78%
2010 -117.019 69.79%
2011 -84.249 -38.9%
2012 -84.121 -0.15%
2013 -36.140 -132.76%
2014 -87.186 58.55%
2015 -67.018 -30.09%
2016 -56.206 -19.24%
2017 2.360.298 102.38%
2018 83.820 -2715.91%
2019 4.243.738 98.02%
2020 6.682.974 36.5%
2021 6.757.507 1.1%
2022 5.867.972 -15.16%
2023 3.829.888 -53.22%
2023 2.831.146 -35.28%
2024 2.549.876 -11.03%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Solution Financial Inc. Gross Profit
Year Gross Profit Growth
2007 0
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 2.627.652 100%
2016 3.282.387 19.95%
2017 3.392.590 3.25%
2018 2.745.626 -23.56%
2019 2.970.371 7.57%
2020 3.425.377 13.28%
2021 4.571.431 25.07%
2022 4.964.471 7.92%
2023 4.074.068 -21.86%
2023 3.920.609 -3.91%
2024 4.445.964 11.82%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Solution Financial Inc. Net Profit
Year Net Profit Growth
2007 -56.076
2008 -276.145 79.69%
2009 -361.638 23.64%
2010 -131.677 -174.64%
2011 -52.749 -149.63%
2012 -84.321 37.44%
2013 -30.908 -172.81%
2014 -20.642 -49.73%
2015 -62.139 66.78%
2016 -53.615 -15.9%
2017 867.022 106.18%
2018 -1.917.707 145.21%
2019 181.948 1153.99%
2020 400.413 54.56%
2021 907.166 55.86%
2022 837.544 -8.31%
2023 595.980 -40.53%
2023 38.672 -1441.12%
2024 724.632 94.66%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Solution Financial Inc. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2007 0
2008 -1 100%
2009 -1 0%
2010 -1 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Solution Financial Inc. Free Cashflow
Year Free Cashflow Growth
2007 -40.113
2008 -152.376 73.67%
2009 -101.521 -50.09%
2010 -55.640 -82.46%
2011 -41.033 -35.6%
2012 -11.848 -246.33%
2013 -65.672 81.96%
2014 -95.702 31.38%
2015 -2.223.974 95.7%
2016 -1.675.735 -32.72%
2017 -908.961 -84.36%
2018 -4.387.860 79.28%
2019 -7.195.971 39.02%
2020 -1.486.174 -384.19%
2021 -845.725 -75.73%
2022 -9.356.531 90.96%
2023 -5.574.031 -67.86%
2023 14.573 38349.03%
2024 -1.407.186 101.04%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Solution Financial Inc. Operating Cashflow
Year Operating Cashflow Growth
2007 -40.113
2008 -152.376 73.67%
2009 -101.521 -50.09%
2010 -55.640 -82.46%
2011 -41.033 -35.6%
2012 -11.848 -246.33%
2013 -65.672 81.96%
2014 -95.702 31.38%
2015 -23.573 -305.98%
2016 -55.535 57.55%
2017 2.169.077 102.56%
2018 3.747.189 42.11%
2019 5.334.398 29.75%
2020 6.925.539 22.97%
2021 6.248.917 -10.83%
2022 -9.307.700 167.14%
2023 -5.434.593 -71.27%
2023 84.163 6557.22%
2024 -1.390.483 106.05%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Solution Financial Inc. Capital Expenditure
Year Capital Expenditure Growth
2007 0
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 2.200.401 100%
2016 1.620.200 -35.81%
2017 3.078.038 47.36%
2018 8.135.049 62.16%
2019 12.530.369 35.08%
2020 8.411.713 -48.96%
2021 7.094.642 -18.56%
2022 48.831 -14428.97%
2023 139.438 64.98%
2023 69.590 -100.37%
2024 16.703 -316.63%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Solution Financial Inc. Equity
Year Equity Growth
2007 170.924
2008 201.664 15.24%
2009 -123.760 262.95%
2010 -255.437 51.55%
2011 -108.495 -135.44%
2012 -192.816 43.73%
2013 398.904 148.34%
2014 476.283 16.25%
2015 414.144 -15%
2016 -132.913 411.59%
2017 3.677.627 103.61%
2018 10.906.744 66.28%
2019 18.518.951 41.1%
2020 20.682.879 10.46%
2021 23.268.425 11.11%
2022 23.175.493 -0.4%
2023 12.729.607 -82.06%
2023 23.400.661 45.6%
2024 12.654.481 -84.92%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Solution Financial Inc. Assets
Year Assets Growth
2007 196.576
2008 301.819 34.87%
2009 46.247 -552.62%
2010 5.329 -767.84%
2011 5.159 -3.3%
2012 6.423 19.68%
2013 574.202 98.88%
2014 577.312 0.54%
2015 554.011 -4.21%
2016 497.112 -11.45%
2017 8.243.662 93.97%
2018 15.127.568 45.51%
2019 24.482.809 38.21%
2020 29.071.041 15.78%
2021 33.292.708 12.68%
2022 29.836.365 -11.58%
2023 28.262.434 -5.57%
2023 29.608.283 4.55%
2024 31.031.847 4.59%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Solution Financial Inc. Liabilities
Year Liabilities Growth
2007 25.652
2008 100.155 74.39%
2009 170.007 41.09%
2010 260.766 34.8%
2011 113.654 -129.44%
2012 199.239 42.96%
2013 175.298 -13.66%
2014 101.029 -73.51%
2015 139.867 27.77%
2016 136.583 -2.4%
2017 4.121.761 96.69%
2018 6.004.330 31.35%
2019 15.006.285 59.99%
2020 18.636.475 19.48%
2021 19.858.466 6.15%
2022 16.342.968 -21.51%
2023 15.532.827 -5.22%
2023 16.810.743 7.6%
2024 18.377.366 8.52%

Solution Financial Inc. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
0.16
Net Income per Share
0
Price to Earning Ratio
65.5x
Price To Sales Ratio
1.78x
POCF Ratio
-3.66
PFCF Ratio
-3.6
Price to Book Ratio
1.98
EV to Sales
1.99
EV Over EBITDA
12.82
EV to Operating CashFlow
-4.1
EV to FreeCashFlow
-4.04
Earnings Yield
0.02
FreeCashFlow Yield
-0.28
Market Cap
0,02 Bil.
Enterprise Value
0,03 Bil.
Graham Number
0.12
Graham NetNet
-0.12

Income Statement Metrics

Net Income per Share
0
Income Quality
-17.91
ROE
0.03
Return On Assets
0.01
Return On Capital Employed
0.06
Net Income per EBT
4.43
EBT Per Ebit
0.07
Ebit per Revenue
0.09
Effective Tax Rate
-3.43

Margins

Sales, General, & Administrative to Revenue
0.13
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
0.27
Operating Profit Margin
0.09
Pretax Profit Margin
0.01
Net Profit Margin
0.03

Dividends

Dividend Yield
0.01
Dividend Yield %
1.39
Payout Ratio
0.91
Dividend Per Share
0

Operating Metrics

Operating Cashflow per Share
-0.08
Free CashFlow per Share
-0.08
Capex to Operating CashFlow
-0.01
Capex to Revenue
0.01
Capex to Depreciation
0.09
Return on Invested Capital
0.3
Return on Tangible Assets
0.01
Days Sales Outstanding
257.89
Days Payables Outstanding
24.96
Days of Inventory on Hand
25.24
Receivables Turnover
1.42
Payables Turnover
14.62
Inventory Turnover
14.46
Capex per Share
0

Balance Sheet

Cash per Share
0,01
Book Value per Share
0,15
Tangible Book Value per Share
0.15
Shareholders Equity per Share
0.15
Interest Debt per Share
0.05
Debt to Equity
0.29
Debt to Assets
0.12
Net Debt to EBITDA
1.4
Current Ratio
1.29
Tangible Asset Value
0,01 Bil.
Net Current Asset Value
-0,01 Bil.
Invested Capital
4669105
Working Capital
0,00 Bil.
Intangibles to Total Assets
0
Average Receivables
0,02 Bil.
Average Payables
0,00 Bil.
Average Inventory
876605.5
Debt to Market Cap
0.14

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Solution Financial Inc. Dividends
Year Dividends Growth
2022 0
2023 0 0%
2024 0 0%

Solution Financial Inc. Profile

About Solution Financial Inc.

Solution Financial Inc., together with its subsidiary, engages in the leasing, financing, and retail sale of luxury automotive vehicles, yachts, and other assets in Canada. It serves new immigrants, business owners, and international students. The company was founded in 2004 and is headquartered in Richmond, Canada.

CEO
Mr. Bryan Pang
Employee
14
Address
8680 Cambie Road
Richmond, V6X 4K1

Solution Financial Inc. Executives & BODs

Solution Financial Inc. Executives & BODs
# Name Age
1 Mr. Cary Lau
Director of Marketing
70
2 Mr. Johnny Lau
Financial Controller
70
3 Mr. Vincent Lau
Vice President of Operations & Director
70
4 Mr. Bryan Pang
Chief Executive Officer, President & Director
70
5 Ms. Winnie Louie
HR & Communication Manager
70
6 Mr. Michael Chan
Director of Sales
70

Solution Financial Inc. Competitors