MICROFINANCIAL INC
Financials · Miscellaneous Business Credit Institution · MA · SEC filings ↗ · Compare ⊕
Financials
SEC XBRL · annual| FY13 | FY12 | FY11 | FY10 | FY09 | |
|---|---|---|---|---|---|
| Revenue | $62.5M | $59.3M | $54.7M | $50.9M | $46.2M |
| Operating income | — | — | — | — | — |
| Net income | $9.8M | $9.4M | $9.0M | $5.3M | $4.1M |
| Total assets | $173.1M | $169.6M | $155.3M | $143.6M | — |
| Total liabilities | $84.6M | $87.2M | $79.6M | $74.1M | — |
| Equity | $88.5M | $82.4M | $75.7M | $69.5M | $66.8M |
| EPS (diluted) | $0.66 | $0.64 | $0.62 | $0.37 | $0.29 |
| Shares out. | 14.5M | 14.3M | 14.3M | 14.2M | 14.3M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2013- Operating margin
- —
- Net margin
- 15.6%
- Return on equity
- 11.0%
- Return on assets
- 5.6%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 48.9%
- Debt / equity
- 0.96×
- Book value / share
- $6.10
- Revenue growth (YoY)
- 5.4%
- Net income growth (YoY)
- 4.4%
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2013- Accruals / assets
- −47.6%clean
- Piotroski F-Score
- 6/7mixed
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast.
Signs
● 1 severe● 4 good- Filed a late-filing notice (Form NT) — missed an SEC deadline
- Revenue is growing year-over-year
- Conservative leverage (liabilities < 50% of assets)
- Positive operating cash flow
- Clean earnings (low accruals)
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
Risk flags
late SEC filings- NT 10-Kmissed a reporting deadline ↗Mar 31, 2006
- NT 10-Kmissed a reporting deadline ↗Mar 31, 2003
- NT 10-Qmissed a reporting deadline ↗May 15, 2000
A Form NT means the company notified the SEC it would file a periodic report late — often an accounting, audit or liquidity warning sign. Also search SEC enforcement actions for this company.
Material events
SEC Form 8-K · most recent- Entered a material agreement · Completed an acquisition or disposition · Delisting / listing-standard notice · Unregistered equity sale · Modified shareholder rights · Change in control · Director / officer changeJan 23, 2015
- Entered a material agreement · New financial obligation · Unregistered equity sale · Director / officer change · Amended charter or bylaws · Other material eventDec 16, 2014
- Director / officer changeDec 11, 2014
- Results of operationsOct 16, 2014
- Regulation FD disclosureJul 30, 2014
- Results of operationsJul 17, 2014
- Shareholder voteMay 13, 2014
- Results of operationsApr 17, 2014
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.
Recent SEC filings
All filings ↗- SC 13G/ASCHEDULE 13G/AFeb 9, 2017
- SC 13G/ASCHEDULE 13G/AFeb 9, 2016
- SC 13G/ATORRENCE C HARDER SC 13GA NO 15 12-31-2014 (MICROFINANCIAL INCORPORATED)Feb 17, 2015
- SC 13G/APETER R BLEYLEBEN SC 13GA NO15 12-31-2014 (MICROFINANCIAL INC)Feb 13, 2015
- SC 13G/ABRIAN E BOYLE SC 13GA NO 15 12-31-2014 (MICROFINANCIAL INCORPORATED)Feb 13, 2015
- SC 13G/AMICROFINANCIAL 13G/AFeb 10, 2015
- SC 13G/ASCHEDULE 13G/AFeb 5, 2015
- SC 13G/AMICROFINANCIAL 13G/AFeb 4, 2015
- SC 13G/AMICROFINANCIAL 13G/AFeb 4, 2015
- 15-12BFeb 2, 2015
- EFFECTJan 30, 2015
- 4PRIMARY DOCUMENTJan 26, 2015
- 4PRIMARY DOCUMENTJan 26, 2015
- 4PRIMARY DOCUMENTJan 26, 2015
- 4PRIMARY DOCUMENTJan 26, 2015
Event-driven situations (1)
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