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Home Capital Group stock

HCG.TO
CA4369131079
871014

Price

44.26 CAD
Today +/-
+0 CAD
Today %
+0 %

Home Capital Group stock price

CAD
%
Weekly
Details

Price

Overview

The Quote Chart provides detailed and dynamic insights into the Home Capital Group stock's performance, showcasing daily, weekly, or monthly aggregated quotes. Users can switch between different time frames to analyze the stock's progression meticulously and make informed investment decisions.

Intraday Feature

The intraday feature provides real-time data, allowing investors to view the Home Capital Group stock’s price fluctuations within the trading day, facilitating timely and strategic investment decisions.

Total Return and Relative Price Change

View the total return of the Home Capital Group stock to gauge its profitability over time. The relative price change, based on the first quote available in the selected timeframe, offers insights into the stock’s performance, assisting in evaluating its investment potential.

Interpretation and Investment

Utilize the comprehensive data presented in the Quote Chart to analyze Home Capital Group's market trends, price movements, and potential returns. Make informed investment choices by comparing different time frames and evaluating intraday data for optimized portfolio management.

Home Capital Group Stock Price History

DateHome Capital Group Price
9/1/202344.26 CAD
8/31/202344.26 CAD

Home Capital Group Revenue, EBIT, Net Income

  • 3 years

  • 5 years

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  • 25 Years

  • Max

Revenue
EBIT
Net Income
Details

Revenue, EBIT and Profit

Understanding Revenue, EBIT, and Income

Gain insights into Home Capital Group, a comprehensive overview of its financial performance can be obtained by analyzing the Revenue, EBIT, and Income chart. Revenue represents the total income generated by Home Capital Group from its primary operations, showcasing the company’s ability to attract and retain clients. EBIT, or Earnings Before Interest and Taxes, indicates the company’s operational profitability, free from the influence of tax and interest expenses. The Income section reflects Home Capital Group’s net earnings, an ultimate measure of its financial health and profitability.

Yearly Analysis and Comparisons

Observe the yearly bars to understand the annual performance and growth of Home Capital Group. Compare the Revenue, EBIT, and Income to evaluate the company’s efficiency and profitability. A higher EBIT compared to the previous year suggests an improvement in operational efficiency. Likewise, an increase in Income indicates enhanced overall profitability. Analyzing the year-to-year comparison assists investors in understanding the company’s growth trajectory and operational efficiency.

Utilizing Expectations for Investment

The expected values for the forthcoming years offer investors a glimpse into Home Capital Group’s anticipated financial performance. Analyzing these projections alongside historical data aids in making informed investment decisions. Investors can gauge the potential risks and returns, aligning their investment strategies accordingly to optimize profitability and mitigate risks.

Investment Insights

Leveraging the comparison between Revenue and EBIT helps in assessing Home Capital Group’s operational efficiency, while the Revenue and Income comparison reveals the net profitability after accounting for all expenses. Investors can derive valuable insights by meticulously analyzing these financial parameters, laying the foundation for strategic investment decisions aimed at capitalizing on Home Capital Group’s growth potential.

Home Capital Group Revenue, EBIT and net profit per share

DateHome Capital Group RevenueHome Capital Group EBITHome Capital Group Net Income
2026e610.34 M CAD345.05 M CAD419.12 M CAD
2025e598.13 M CAD336.71 M CAD328.06 M CAD
2024e594.87 M CAD320.32 M CAD241.47 M CAD
2023e558.91 M CAD306.42 M CAD226.74 M CAD
20221.01 B CAD0 CAD150.23 M CAD
2021844.9 M CAD0 CAD244.7 M CAD
2020949.7 M CAD0 CAD175.7 M CAD
2019935.7 M CAD0 CAD136 M CAD
2018831.4 M CAD0 CAD132.6 M CAD
2017899.7 M CAD0 CAD7.5 M CAD
2016967.7 M CAD0 CAD247.4 M CAD
2015995.8 M CAD0 CAD287.3 M CAD
20141.04 B CAD0 CAD313.2 M CAD
2013949.6 M CAD0 CAD256.5 M CAD
2012887.7 M CAD0 CAD222 M CAD
2011790.3 M CAD0 CAD190.1 M CAD
2010687.3 M CAD0 CAD154.8 M CAD
2009489.2 M CAD0 CAD144.5 M CAD
2008454.7 M CAD0 CAD108.7 M CAD
2007368.9 M CAD0 CAD90.2 M CAD
2006282.6 M CAD0 CAD67.8 M CAD
2005243.1 M CAD0 CAD60.9 M CAD
2004186.6 M CAD0 CAD44.6 M CAD
2003144.6 M CAD0 CAD29.5 M CAD

Home Capital Group Income Statement, Balance Sheet, Cash Flow Statement

  • Simple

  • Expanded

  • Income Statement

  • Balance Sheet

  • Cashflow

 
REVENUE (B CAD)REVENUE GROWTH (%)GROSS MARGIN (%)GROSS INCOME (M CAD)NET INCOME (M CAD)NET INCOME GROWTH (%)DIV. (CAD)DIV. GROWTH (%)SHARES (M)DOCUMENTS
1996199719981999200020012002200320042005200620072008200920102011201220132014201520162017201820192020202120222023e2024e2025e2026e
0.030.030.040.050.070.090.110.140.190.240.280.370.450.490.690.790.890.951.0410.970.90.830.940.950.841.010.560.590.60.61
--27.2726.1932.0830.0023.0828.5729.1730.6516.0530.5023.377.7140.4914.9912.286.999.91-4.60-2.81-7.03-7.5612.521.50-11.0619.43-44.646.450.672.01
-------------------------------
0000000000000000000000000000000
136810142029446067901081441541902222563132872477132136175244150226241328419
-200.00100.0033.3325.0040.0042.8645.0051.7236.3611.6734.3320.0033.336.9423.3816.8415.3222.27-8.31-13.94-97.171,785.713.0328.6839.43-38.5250.676.6436.1027.74
-------------------------------
-------------------------------
52.854.963.562.261.965.369.268.970.170.969.669.769.369.669.669.669.67070.470.366.772.479.759.452.751.241.270000
-------------------------------
Details

Keystats

Revenue and Growth

The Home Capital Group Revenue and Revenue Growth are pivotal to understanding the company's financial health and operational efficiency. A consistent increase in revenue indicates a company’s ability to effectively market and sell its products or services, while the revenue growth percentage offers insights into the pace at which the company is expanding over the years.

Gross Margin

The Gross Margin is a crucial metric that showcases the percentage of revenue exceeding the cost of goods sold (COGS). A higher gross margin is indicative of a company’s efficiency in controlling its production costs, thereby promising potential profitability and financial stability.

EBIT and EBIT Margin

EBIT (Earnings Before Interest and Taxes) and EBIT Margin offer deep insights into a company’s profitability, excluding the impacts of interest and taxes. Investors often assess these metrics to gauge the operational efficiency and inherent profitability of a business, separate from its financial structure and tax environment.

Income and Growth

Net Income and its subsequent growth are quintessential for investors looking to understand a company’s profitability. Consistent income growth underscores a company’s ability to enhance its profitability over time, reflecting operational efficiency, strategic competitiveness, and financial health.

Shares Outstanding

Shares outstanding refer to the total number of shares a company has issued. It's instrumental in calculating key metrics like Earnings Per Share (EPS) which is pivotal for investors to evaluate a company’s profitability on a per-share basis, offering a more granular view of financial health and valuation.

Interpreting Year to Year Comparison

Comparing yearly data allows investors to identify trends, assess the company’s growth, and anticipate potential future performance. Analyzing how metrics like revenue, income, and margins change year over year can provide valuable insights into the company’s operational efficiency, competitiveness, and overall financial health.

Expectations and Predictions

Investors often juxtapose the current and past financial data with the market’s expectations. This comparison aids in assessing whether the Home Capital Group is performing as anticipated, underperforming or outperforming the market predictions, providing pivotal data for investment decisions.

 
ASSETSCASH BALANCE (M CAD)RECEIVABLES (M CAD)OTHER REC. (M CAD)INVENTORIES (M CAD)OTHER CURRENT LIAB. (M CAD)CURRENT ASSETS (M CAD)TANGIBLE ASSETS (M CAD)LONG-T. INVEST. (M CAD)LONG-T. REC. (M CAD)INTANGIBLE ASSETS (M CAD)GOODWILL (M CAD)OTHER NON-CURRENT ASSETS (M CAD)NON-CURRENT ASSETS (M CAD)TOTAL ASSETS (M CAD)LIABILITIESCOMMON STOCK (M CAD)ADDITIONAL PAID-IN CAPITAL (M CAD)RETAINED EARNINGS (B CAD)OTHER EQUITY (M CAD)UNREAL. GAINS/LOSSES (M CAD)EQUITY (B CAD)LIABILITIES (M CAD)PROVISIONS (M CAD)OTHER SHORT-TERM LIAB. (M CAD)SHORT-TERM DEBTS (M CAD)LONG-TERM DEBT PORTION (M CAD)SHORT-TERM REC. (M CAD)LONG-T. LIAB. (B CAD)DEFERRED TAXES (M CAD)OTHER LIAB. (M CAD)LONG-T. LIABILITIES (B CAD)DEBT (B CAD)TOTAL CAPITAL (B CAD)
199619971998199920002001200220032004200520062007200820092010201120122013201420152016201720182019202020212022
                                                     
000000000000000000000000000
000000000000000000000000000
000000000000000000000000000
000000000000000000000000000
000000000000000000000000000
000000000000000000000000000
01111222345555557111201310933332823.14
000000000000000000000000000
000000000000000000000000000
0000000000011274864667397128115998366676362.58
33330022222151616161616161607222222.32
1000000000000000000151710359912.47
4444124456721224869858910012514315212197106111102100.5
4444124456721224869858910012514315212197106111102100.5
                                                     
151619191931323232343539394550556270859085231179166151129117.19
111100000012345666445555171920.65
0.010.010.010.020.030.040.060.090.130.180.240.310.40.520.570.720.91.121.381.591.581.581.471.521.531.431.42
00000000000-6-11210-9-4-3-2-3-1-1-20-8-111.98
00000000000000600-16-16-62-54-5-9-10-11-9-17.01
0.020.030.030.040.050.080.10.120.160.220.280.350.430.590.630.780.971.181.451.621.621.811.641.681.681.571.56
1111000080971121361601387378941471670308332309360344234278.38
00000000000000222220151007889446.96
0110000067710466182201100000055.85
000000000000000153151000000000150.1
000000000000000000000000000
12210000861041191461641441012712871621880315340317369348243441.29
0.010.010.010.010.010.010.020.010.010.0100008.118.657.345.934.462.932.653.183.123.343.354.234.52
000200009121317375840403634373836302916132431.09
00113453709833445051731594840381013270246057383669256.93
0.010.010.010.010.050.070.090.110.060.070.060.070.110.228.198.737.415.974.513.242.713.273.213.393.44.324.81
0.010.010.010.010.050.070.090.110.140.170.180.210.270.368.2997.76.134.693.243.033.613.523.763.744.565.25
0.030.030.050.050.10.140.180.230.30.390.460.560.710.958.929.788.677.316.144.864.645.425.175.445.426.136.8
Details

Balance Sheet

Understanding the Balance Sheet

The balance sheet of Home Capital Group provides a detailed financial snapshot, revealing the company's assets, liabilities, and equity at a specific point in time. Analyzing these components is crucial for investors looking to understand Home Capital Group's financial health and stability.

Assets

Home Capital Group's assets represent everything the company owns or controls that has monetary value. These are categorized into current and non-current assets, offering insights into the company's liquidity and long-term investments.

Liabilities

Liabilities are obligations that Home Capital Group must settle in the future. Analyzing the ratio of liabilities to assets provides insights into the company's financial leverage and risk exposure.

Equity

Equity refers to the residual interest in the assets of Home Capital Group after deducting liabilities. It represents the owners’ claim on the company’s assets and earnings.

Year-to-Year Analysis

Comparing balance sheet figures year-to-year allows investors to identify trends, growth patterns, and potential financial risks, facilitating informed investment decisions.

Interpreting the Data

Detailed analysis of assets, liabilities, and equity can provide investors with comprehensive insights into Home Capital Group's financial standing, aiding in investment evaluations and risk assessments.

 
NET INCOME (M CAD)DEPRECIATION (M CAD)DEFERRED TAXES (M CAD)CHANGES IN WORKING CAPITAL (M CAD)NON-CASH ITEM (B CAD)PAID INTEREST (M CAD)PAID TAXES (M CAD)NET CASH FLOW FROM OPERATING ACTIVITIES (M CAD)CAPITAL EXPENDITURES (M CAD)CASH FLOW FROM INVESTING ACTIVITIES (M CAD)CASH FLOW FROM OTHER INVESTING ACTIVITIES (M CAD)INTEREST INCOME AND EXPENSES (M CAD)NET DEBT CHANGE (M CAD)NET CHANGE IN EQUITY (M CAD)CASH FLOW FROM FINANCING ACTIVITIES (B CAD)CASH FLOW FROM OTHER FINANCING ACTIVITIES (B CAD)TOTAL DIVIDENDS PAID (M CAD)NET CHANGE IN CASH FLOW (M CAD)FREE CASH FLOW (M CAD)SHARE-BASED COMPENSATION (M CAD)
199619971998199920002001200220032004200520062007200820092010201120122013201420152016201720182019202020212022
136810142029446067901081441541902222563132872477132136175244150
00000010011229333911101229342333272317
0001041202031426230-4-120-334-15-694
45301091322270-2391330-4,938-1,402-408241-435405286-226-465-148-24895
00000000000-0.02-0.05-0.084.561.250.010-0.030000000.010.01
00000000000000364416438438450406388512383461437332422
000455510173137464345423679108811288436551679481
69101020283755736468119114121-20136-167512-139704560-180-3046176373183
00000-1-10-1-3-2-1-3-28-24-20-13-22-35-30-21-11-6-15-30-18-15
-27-78-101-194-144-213-252-489-687-573-619-866-583-1,076145-336-30-54-193152-92187-64-16-27-18-16
-27-78-101-193-143-211-251-488-685-570-616-864-580-1,047169-316-17-31-157183-70198-58020-1
000000000000000000000000000
0120402-1-1-3-1000001490000-15000-2-2-2-3
0120012000100-20-4-4-239-6-197140-300-93-180-369-152
0.010.080.090.190.130.210.220.450.60.630.520.960.671.29-0.030.12-0.03-0.03-0.04-0.07-0.410.12-0.3-0.1-0.18-0.37-0.18
0.010.080.090.190.120.20.220.450.60.640.540.970.691.310000000000000
0000-1-1-1-2-4-5-9-14-17-20-22-26-31-37-48-61-65-160000-24
-151233326511-16120-27210200333-83-181-232424-37278955130-670-106-34-17-13
6.69.29.810.619.82736.654.972.361.866.1117.6111.693.5-225.416.6-181.4489.8-174.9674.1539.2-191.6-310.8-9.7146.2355.3167.97
000000000000000000000000000

Home Capital Group stock margins

The Home Capital Group margin analysis displays the gross margin, EBIT margin, as well as the profit margin of Home Capital Group. The EBIT margin (EBIT/sales) indicates the percentage of sales that remains as operating profit. The profit margin shows the percentage of sales that remains for Home Capital Group.
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Gross margin
EBIT margin
Profit margin
Details

Margin

Understanding Gross Margin

The gross margin, expressed as a percentage, delineates the gross profit made from the Home Capital Group's sales revenue. A higher gross margin percentage indicates that the Home Capital Group retains more revenue after accounting for the costs of goods sold. Investors use this metric to gauge financial health and operational efficiency, as well as to compare it with competitors and industry averages.

EBIT Margin Analysis

EBIT margin represents the Home Capital Group's earnings before interest and taxes. Analyzing the EBIT margin over different years provides insights into the operational profitability and efficiency, excluding the effects of financial leverage and tax structure. A growing EBIT margin over the years signifies improving operational performance.

Revenue Margin Insights

The revenue margin demonstrates the Home Capital Group's total revenue generated. When comparing the revenue margin year over year, investors can gauge the Home Capital Group's growth and market expansion. It is essential to compare the revenue margin with the gross and EBIT margins to understand the cost and profit structures better.

Interpreting Expectations

The expected values for gross, EBIT, and revenue margins provide future financial outlook of the Home Capital Group. Investors should compare these expectations with historical data to understand potential growth and risk factors. It is crucial to consider the underlying assumptions and methodologies used in projecting these expected values to make informed investment decisions.

Comparative Analysis

Comparing the gross, EBIT, and revenue margins, both yearly and over multiple years, enables investors to perform a comprehensive analysis of the Home Capital Group's financial health and growth prospects. Evaluating the trends and patterns in these margins helps in identifying strengths, weaknesses, and potential investment opportunities.

Home Capital Group Margin History

Home Capital Group Gross marginHome Capital Group Profit marginHome Capital Group EBIT marginHome Capital Group Profit margin
2026e0 %56.53 %68.67 %
2025e0 %56.29 %54.85 %
2024e0 %53.85 %40.59 %
2023e0 %54.82 %40.57 %
20220 %0 %14.9 %
20210 %0 %28.96 %
20200 %0 %18.5 %
20190 %0 %14.53 %
20180 %0 %15.95 %
20170 %0 %0.83 %
20160 %0 %25.57 %
20150 %0 %28.85 %
20140 %0 %30.03 %
20130 %0 %27.01 %
20120 %0 %25.01 %
20110 %0 %24.05 %
20100 %0 %22.52 %
20090 %0 %29.54 %
20080 %0 %23.91 %
20070 %0 %24.45 %
20060 %0 %23.99 %
20050 %0 %25.05 %
20040 %0 %23.9 %
20030 %0 %20.4 %

Home Capital Group Stock Sales Revenue, EBIT, Earnings per Share

The Home Capital Group earnings per share therefore indicates how much revenue Home Capital Group has generated per share in a given period. The earnings before interest and taxes per share shows how much of the operating profit corresponds to each share. The earnings per share indicates how much of the profit belongs to each share.
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Sales per Share
EBIT per share
Earnings per Share
Details

Revenue, EBIT and Earnings per share

Revenue Per Share

Revenue per share represents the total revenue Home Capital Group earns, divided by the number of outstanding shares. It is a crucial metric as it reflects the company's ability to generate sales and signifies growth and expansion potential. Comparing yearly revenue per share allows investors to analyze the consistency in a company’s earnings and predict future trends.

EBIT Per Share

EBIT per share indicates Home Capital Group's earning before interest and taxes, offering insights into operational profitability excluding the effects of capital structure and tax rates. It can be juxtaposed against revenue per share to gauge the efficiency in converting sales into profits. A consistent increase in EBIT per share over the years underscores operational efficiency and profitability.

Income Per Share

Income per share, or earnings per share (EPS), reveals the portion of Home Capital Group’s profit allocated to each share of common stock. It’s instrumental in evaluating the profitability and financial health. By comparing it with revenue and EBIT per share, investors discern how effectively a firm translates sales and operational profits into net income.

Expected Values

Expected values are projections of revenue, EBIT, and income per share for forthcoming years. These anticipations, rooted in historical data and market analysis, aid investors in strategizing their investments, evaluating Home Capital Group's prospective performance, and estimating future stock prices. However, it’s pivotal to consider market volatilities and uncertainties that can influence these projections.

Home Capital Group Revenue, EBIT and net profit per share

DateHome Capital Group Sales per ShareHome Capital Group EBIT per shareHome Capital Group Earnings per Share
2026e15.97 CAD0 CAD10.97 CAD
2025e15.65 CAD0 CAD8.59 CAD
2024e15.57 CAD0 CAD6.32 CAD
2023e14.63 CAD0 CAD5.93 CAD
202224.42 CAD0 CAD3.64 CAD
202116.5 CAD0 CAD4.78 CAD
202018.02 CAD0 CAD3.33 CAD
201915.75 CAD0 CAD2.29 CAD
201810.43 CAD0 CAD1.66 CAD
201712.43 CAD0 CAD0.1 CAD
201614.51 CAD0 CAD3.71 CAD
201514.17 CAD0 CAD4.09 CAD
201414.82 CAD0 CAD4.45 CAD
201313.57 CAD0 CAD3.66 CAD
201212.75 CAD0 CAD3.19 CAD
201111.35 CAD0 CAD2.73 CAD
20109.88 CAD0 CAD2.22 CAD
20097.03 CAD0 CAD2.08 CAD
20086.56 CAD0 CAD1.57 CAD
20075.29 CAD0 CAD1.29 CAD
20064.06 CAD0 CAD0.97 CAD
20053.43 CAD0 CAD0.86 CAD
20042.66 CAD0 CAD0.64 CAD
20032.1 CAD0 CAD0.43 CAD

Home Capital Group business model

Home Capital Group Inc is a Canadian financial services company specializing in mortgage loans and other products that promote homeownership. The company was founded in 1986 and is headquartered in Toronto, Ontario. Its focus is on providing financing for households and small businesses to help them realize their home construction and renovation plans. The business model of Home Capital Group specializes in creating mortgages and other loan products that offer affordable financing solutions for homes in Canada. The company also offers a wide range of banking and investment products to meet the needs of its customers. These include checking accounts, credit cards, savings and investment accounts, start-up financing, and similar services. The various divisions of Home Capital Group include Home Trust, which focuses on providing mortgage loans, and Home Bank, which emphasizes accounts, savings accounts, and checking accounts. The company also offers online banking, allowing customers to manage their accounts from anywhere. Home Capital is a company that targets its products and services to the needs of a specific target audience - primarily real estate professionals such as brokers, developers, and renovation contractors. It provides its customers with customized solutions and individualized advice to meet their requirements. Home Capital Group's lending practices are unconventional, and it is the only company in Canada that offers an "assignment-based mortgage." This feature allows customers to reduce their debt through property rental. Its innovative lending practices have helped set Home Capital apart from its competitors. The company also enjoys a good reputation in the industry, attributed to its ability to collaborate closely and effectively with customers. It also has a strong presence in many cities in Canada and invests heavily in training its employees to ensure they understand and advise on the specific needs of their customers. Over the years, Home Capital Group has also developed a range of products and services to offer a broader selection to customers in need of loans and investments. These include checking accounts, credit cards, and savings and investment products, also tailored to the needs of homeowners. Under the leadership of Yousry Bissada in recent years, Home Capital has focused on higher efficiency and better optimization of its business processes. This has allowed the company to successfully navigate through various challenges, such as the negative campaign against the firm towards the end of 2018. Home Capital has since stabilized and is now among the top players in the Canadian financial services industry. Overall, Home Capital Group Inc is a company specializing in creating affordable financing and investment solutions for homeowners. It strives to bring its customers closer to their goals and provide individualized advice. With its innovative products and strong industry presence, Home Capital will continue to play an important role in the future. Home Capital Group is one of the most popular companies on Eulerpool.com.

Home Capital Group SWOT Analysis

Strengths

Home Capital Group Inc. has several key strengths that contribute to its competitive advantage:

  • Established market presence and brand recognition
  • Strong customer base and loyal client relationships
  • Diverse portfolio of mortgage products
  • Efficient and streamlined operational processes
  • Solid financial performance and healthy balance sheet

Despite its strengths, Home Capital Group Inc. also faces certain weaknesses:

  • Dependence on the Canadian housing market
  • Limited geographical presence compared to some competitors
  • Relatively small market share in some segments
  • Potential regulatory and compliance challenges
  • Higher interest rates and changing economic conditions

Home Capital Group Inc. can capitalize on the following opportunities:

  • Expanding into new markets and geographic regions
  • Diversifying product offerings to cater to changing customer needs
  • Growing demand for alternative mortgage lending
  • Strategic partnerships and acquisitions for market expansion
  • Technological advancements for improved customer experience

There are certain threats that Home Capital Group Inc. should be aware of:

  • Intense competition from well-established banks and financial institutions
  • Changes in government regulations impacting mortgage industry
  • Volatility in the Canadian housing market
  • Inflation and rising interest rates affecting affordability
  • Emergence of disruptive technologies and new market entrants

Weaknesses

Despite its strengths, Home Capital Group Inc. also faces certain weaknesses:

  • Dependence on the Canadian housing market
  • Limited geographical presence compared to some competitors
  • Relatively small market share in some segments
  • Potential regulatory and compliance challenges
  • Higher interest rates and changing economic conditions

Home Capital Group Inc. can capitalize on the following opportunities:

  • Expanding into new markets and geographic regions
  • Diversifying product offerings to cater to changing customer needs
  • Growing demand for alternative mortgage lending
  • Strategic partnerships and acquisitions for market expansion
  • Technological advancements for improved customer experience

There are certain threats that Home Capital Group Inc. should be aware of:

  • Intense competition from well-established banks and financial institutions
  • Changes in government regulations impacting mortgage industry
  • Volatility in the Canadian housing market
  • Inflation and rising interest rates affecting affordability
  • Emergence of disruptive technologies and new market entrants

Opportunities

Home Capital Group Inc. can capitalize on the following opportunities:

  • Expanding into new markets and geographic regions
  • Diversifying product offerings to cater to changing customer needs
  • Growing demand for alternative mortgage lending
  • Strategic partnerships and acquisitions for market expansion
  • Technological advancements for improved customer experience

There are certain threats that Home Capital Group Inc. should be aware of:

  • Intense competition from well-established banks and financial institutions
  • Changes in government regulations impacting mortgage industry
  • Volatility in the Canadian housing market
  • Inflation and rising interest rates affecting affordability
  • Emergence of disruptive technologies and new market entrants

Threats

There are certain threats that Home Capital Group Inc. should be aware of:

  • Intense competition from well-established banks and financial institutions
  • Changes in government regulations impacting mortgage industry
  • Volatility in the Canadian housing market
  • Inflation and rising interest rates affecting affordability
  • Emergence of disruptive technologies and new market entrants
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Home Capital Group Eulerpool Fair Value

Details

Fair Value

Understanding Fair Value

The fair value of a stock provides insights into whether the stock is currently undervalued or overvalued. It is calculated based on profit, revenue, or dividends and offers a comprehensive perspective of the stock’s intrinsic value.

Income-Based Fair Value

This is calculated by multiplying the earnings per share by the average P/E ratio of the selected past years for smoothing. If the fair value is higher than the current market price, it suggests that the stock is undervalued.

Example 2022

Fair Value Profit 2022 = Earnings per Share 2022 / Average P/E Ratio 2019 - 2021 (3 Years Smoothing)

Revenue-Based Fair Value

It is derived by multiplying the revenue per share by the average price-to-sales ratio of the selected past years for smoothing. An undervalued stock is identified if the fair value exceeds the ongoing market price.

Example 2022

Fair Value Revenue 2022 = Revenue per Share 2022 / Average PSR 2019 - 2021 (3 Years Smoothing)

Dividend-Based Fair Value

This value is determined by dividing the dividend per share by the average dividend yield of the selected past years for smoothing. A higher fair value than the market price indicates an undervalued stock.

Example 2022

Fair Value Dividend 2022 = Dividend per Share 2022 * Average Dividend Yield 2019 - 2021 (3 Years Smoothing)

Expectations and Forecasts

Future expectations provide potential trajectories for stock prices and aid investors in decision-making. The expected values are forecasted figures of fair value, taking into account the growth or decline trends of profit, revenue, or dividend.

Comparative Analysis

Comparing the fair value based on profit, revenue, and dividend provides a holistic overview of the stock’s financial health. Observing the annual and per-annual variations contributes to understanding the consistency and reliability of stock performance.

Home Capital Group historical P/E ratio, EBIT multiple, and P/S ratio

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Home Capital Group shares outstanding

The number of shares was Home Capital Group in 2024 — This indicates how many shares 41.273 M is divided into. Since shareholders are the owners of a company, each share represents a small portion of the company's ownership.
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Number of stocks
Details

Revenue, EBIT and Earnings per share

Revenue Per Share

Revenue per share represents the total revenue Home Capital Group earns, divided by the number of outstanding shares. It is a crucial metric as it reflects the company's ability to generate sales and signifies growth and expansion potential. Comparing yearly revenue per share allows investors to analyze the consistency in a company’s earnings and predict future trends.

EBIT Per Share

EBIT per share indicates Home Capital Group's earning before interest and taxes, offering insights into operational profitability excluding the effects of capital structure and tax rates. It can be juxtaposed against revenue per share to gauge the efficiency in converting sales into profits. A consistent increase in EBIT per share over the years underscores operational efficiency and profitability.

Income Per Share

Income per share, or earnings per share (EPS), reveals the portion of Home Capital Group’s profit allocated to each share of common stock. It’s instrumental in evaluating the profitability and financial health. By comparing it with revenue and EBIT per share, investors discern how effectively a firm translates sales and operational profits into net income.

Expected Values

Expected values are projections of revenue, EBIT, and income per share for forthcoming years. These anticipations, rooted in historical data and market analysis, aid investors in strategizing their investments, evaluating Home Capital Group's prospective performance, and estimating future stock prices. However, it’s pivotal to consider market volatilities and uncertainties that can influence these projections.

Home Capital Group stock splits

In Home Capital Group's history, there have been no stock splits.

Home Capital Group dividend history and estimates

In 2024, Home Capital Group paid a dividend amounting to 3.12 CAD. Dividend means that Home Capital Group distributes a portion of its profits to its owners.
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Dividend
Dividend (Estimate)
Details

Dividend

Dividend Overview

The dividend per year chart for Home Capital Group provides a comprehensive view of the annual dividends distributed to shareholders. Analyze the trend to understand the consistency and growth in dividend payouts over the years.

Interpretation and Use

A consistent or increasing trend in dividends can indicate the company's profitability and financial health. Investors can use this data to identify Home Capital Group’s potential for long-term investment and income generation through dividends.

Investment Strategy

Incorporate the dividend data in evaluating Home Capital Group's overall performance. A thorough analysis, considering other financial aspects, will help in making informed investment decisions for optimal capital growth and income generation.

Home Capital Group Dividend History

DateHome Capital Group Dividend
2026e0.63 CAD
2025e0.63 CAD
2024e0.63 CAD
2023e0.62 CAD
20220.6 CAD
20170.26 CAD
20160.98 CAD
20150.88 CAD
20140.7 CAD
20130.54 CAD
20120.45 CAD
20110.38 CAD
20100.33 CAD
20090.29 CAD
20080.25 CAD
20070.21 CAD
20060.14 CAD
20050.08 CAD
20040.06 CAD
20030.03 CAD

Home Capital Group dividend payout ratio

In 2024, Home Capital Group had a payout ratio of 49.43%. The payout ratio indicates the percentage of the company's profits that Home Capital Group distributes as dividends.
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Payout ratio
Details

Payout ratio

What is Yearly Payout Ratio?

The yearly payout ratio for Home Capital Group represents the proportion of earnings paid out as dividends to shareholders. It is an indicator of the company's financial health and stability, illustrating how much profit is being returned to investors versus being reinvested back into the company.

How to Interpret the Data

A lower payout ratio for Home Capital Group could mean that the company is reinvesting more into its growth, whereas a higher ratio indicates more earnings are being distributed as dividends. Investors seeking regular income might prefer companies with a higher payout ratio, while those looking for growth may opt for companies with a lower ratio.

Using the Data for Investments

Evaluate Home Capital Group's payout ratio in conjunction with other financial metrics and performance indicators. A sustainable payout ratio, coupled with strong financial health, can indicate a reliable dividend payout. However, a very high ratio might suggest the company is not sufficiently reinvesting in its future growth.

Home Capital Group Payout Ratio History

DateHome Capital Group Payout ratio
2026e49.29 %
2025e41.09 %
2024e49.43 %
2023e57.35 %
202216.48 %
202174.46 %
202081.09 %
2019125.82 %
2018100.97 %
2017260 %
201626.42 %
201521.52 %
201415.73 %
201314.75 %
201214.11 %
201113.92 %
201014.86 %
200913.94 %
200815.92 %
200715.89 %
200613.92 %
20059.88 %
20049.38 %
20037.85 %
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Unfortunately, there are currently no price targets and forecasts available for Home Capital Group.

Home Capital Group latest earnings and earnings surprises

DateEPS EstimateEPS ActualQuarterly report
6/30/20231.26 CAD1.57 CAD (24.85 %)2023 Q2
3/31/20231.11 CAD1.37 CAD (23.76 %)2023 Q1
12/31/20221.05 CAD0.95 CAD (-9.39 %)2022 Q4
9/30/20220.98 CAD0.95 CAD (-3.2 %)2022 Q3
6/30/20221.06 CAD0.97 CAD (-8.28 %)2022 Q2
3/31/20221.18 CAD1.02 CAD (-13.79 %)2022 Q1
12/31/20211.11 CAD1.06 CAD (-4.09 %)2021 Q4
9/30/20211.08 CAD1.1 CAD (1.79 %)2021 Q3
6/30/20211.07 CAD1.44 CAD (34.19 %)2021 Q2
3/31/20211.04 CAD1.26 CAD (21.12 %)2021 Q1
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Eulerpool ESG Scorecard© for the Home Capital Group stock

Eulerpool World ESG Rating (EESG©)

32/ 100

🌱 Environment

2

👫 Social

47

🏛️ Governance

47

Environment

Scope 1 - Direct Emissions
Scope 2 - Indirect emissions from purchased energy
Scope 3 - Indirect emissions within the value chain
Total CO₂ emissions
CO₂ reduction strategy
Coal energy
Nuclear power
Animal experiments
Fur & Leather
Pesticides
Palm Oil
Tobacco
Genetically modified organisms
Climate concept
Sustainable forestry
Recycling regulations
Environmentally friendly packaging
Hazardous substances
Fuel consumption and efficiency
Water consumption and efficiency

Social

Percentage of female employees49
Percentage of women in management
Percentage of Asian employees
Share of Asian management
Percentage of Hispanic/Latino employees
Hispano/Latino Management share
Percentage of Black employees
Black Management Share
Percentage of white employees
White Management Share
Adult content
Alcohol
Weapons
Firearms
Gambling
Military contracts
Human rights concept
Privacy concept
Occupational health and safety
Catholic

Governance (Corporate Governance)

Environmental reporting
Stakeholder Engagement
Call Back Policies
Antitrust law

The Eulerpool ESG Scorecard© is the strictly copyrighted intellectual property of Eulerpool Research Systems. Any unauthorized use, imitation, or infringement will be actively pursued and may lead to significant legal consequences. For licenses, collaborations, or usage rights, please contact us directly via our contact form. Contact Form to us.

Home Capital Group shareholders

%
Name
Stocks
Change
Date
7.15334 % Turtle Creek Asset Management Inc.2,733,399-3,090,9501/31/2023
5.64983 % Dimensional Fund Advisors, L.P.2,158,88501/31/2023
5.06046 % Fidelity Investments Canada ULC1,933,676-86,49212/31/2022
2.86338 % CI Global Asset Management1,094,141466,1349/30/2022
2.78978 % The Vanguard Group, Inc.1,066,017-8,1271/31/2023
1.33055 % AllianceBernstein L.P.508,42527,7221/31/2023
1.14256 % Norges Bank Investment Management (NBIM)436,589-54,17312/31/2022
0.99179 % BlackRock Institutional Trust Company, N.A.378,979-54,8912/28/2023
0.91363 % Mackenzie Financial Corporation349,112-4,4982/28/2023
0.91354 % Water Island Capital, LLC349,0768,8892/28/2023
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Home Capital Group Executives and Management Board

Mr. Yousry Bissada

(61)
Home Capital Group President, Chief Executive Officer, Director (since 2017)
Compensation 2.86 M CAD

Mr. Bradley Kotush

Home Capital Group Chief Financial Officer, Executive Vice President
Compensation 1.15 M CAD

Mr. Victor DiRisio

Home Capital Group Executive Vice President, Chief Information Officer
Compensation 847,334 CAD

Mr. Mark Hemingway

Home Capital Group General Counsel, Corporate Secretary
Compensation 697,916 CAD

Mr. Edward Karthaus

Home Capital Group Executive Vice President - Residential Lending, Credit Cards and Marketing
Compensation 661,685 CAD
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Most common questions regarding Home Capital Group

What values and corporate philosophy does Home Capital Group represent?

Home Capital Group Inc represents strong values and a customer-centric corporate philosophy. The company focuses on providing innovative financial solutions and exceptional customer service. It aims to empower individuals and families by offering mortgage and other lending products tailored to their needs. Home Capital Group Inc demonstrates integrity, transparency, and reliability in its operations, fostering trust and long-term relationships with both customers and investors. With a commitment to responsible lending practices and risk management, the company ensures the financial stability of its clients and stakeholders. Home Capital Group Inc strives to continuously enhance its offerings and expand its reach, making homeownership dreams a reality for many.

In which countries and regions is Home Capital Group primarily present?

Home Capital Group Inc is primarily present in Canada. As a leading Canadian mortgage lender, Home Capital Group Inc operates across various provinces throughout the country. With its headquarters in Toronto, the company has established a strong presence in major Canadian cities, including Vancouver, Calgary, and Montreal. Home Capital Group Inc has been serving Canadian residents for many years, offering a wide range of mortgage products and services. As a trusted financial institution in Canada, Home Capital Group Inc continues to support homeownership and contribute to the growth of the Canadian housing market.

What significant milestones has the company Home Capital Group achieved?

Home Capital Group Inc has achieved several significant milestones. In 1986, the company was founded with a vision to provide mortgage lending services to Canadians. Over the years, it established itself as a leading specialist in the alternative mortgage market. In 2015, Home Capital surpassed $1 billion in equity, a testament to its strong financial standing. In 2017, the company successfully resolved outstanding regulatory concerns, ensuring its continued operations. Home Capital Group Inc's ability to uphold its commitments, adapt to market changes, and maintain a solid reputation among borrowers and investors has contributed to its growth and success.

What is the history and background of the company Home Capital Group?

Home Capital Group Inc. is a renowned financial institution based in Canada. Established in 1986, Home Capital Group has emerged as a prominent player in the mortgage lending industry. The company specializes in providing a broad range of residential and commercial mortgage lending services, offering competitive rates and innovative solutions to its clients. With a deep-rooted history spanning over three decades, Home Capital Group Inc. has gained a strong foothold in the Canadian market, earning a reputation for its commitment to customer service and financial expertise. Their steadfast growth and successful track record make Home Capital Group Inc. a trusted choice for individuals and businesses seeking reliable mortgage solutions.

Who are the main competitors of Home Capital Group in the market?

Home Capital Group Inc faces strong competition in the market. Its main competitors include other mortgage lenders and financial institutions such as TD Bank, RBC, CIBC, and Scotiabank. These companies also offer a wide range of mortgage products and services to Canadian customers. Home Capital Group Inc competes by providing personalized solutions, competitive interest rates, and superior customer service. As a leading provider of residential and commercial mortgages, Home Capital Group Inc maintains its competitive edge through innovative financial strategies and a solid reputation in the industry.

In which industries is Home Capital Group primarily active?

Home Capital Group Inc is primarily active in the financial industry.

What is the business model of Home Capital Group?

Home Capital Group Inc operates as a financial institution providing residential and commercial mortgage lending services. The company primarily focuses on alternative lending and offers mortgage, credit card, and deposit products to individual and corporate clients. Home Capital Group Inc aims to serve the under-served mortgage market by providing flexible, innovative, and personalized financing solutions. As a leading non-bank provider, Home Capital Group Inc aims to help individuals achieve their homeownership dreams and support businesses in their growth endeavors. With a commitment to customer satisfaction and prudent risk management, the company strives to be a trusted partner in the financial services industry.

What is the P/E ratio of Home Capital Group 2025?

The Home Capital Group P/E ratio is 5.57.

What is the P/S ratio of Home Capital Group 2025?

The Home Capital Group P/S ratio is 3.05.

What is the Quality Investing of Home Capital Group?

The Quality Investing for Home Capital Group is 3/10.

What is the revenue of Home Capital Group 2025?

The expected Home Capital Group revenue is 598.13 M CAD.

How high is the profit of Home Capital Group 2025?

The expected Home Capital Group profit is 328.06 M CAD.

What is the business model of Home Capital Group

Home Capital Group Inc is a Canadian credit institution that operates in the field of mortgage financing. The company's business model is based on providing financing solutions for homebuyers and homeowners in Canada. Home Capital Group Inc offers various products and services tailored to the specific needs of its customers. An important part of the offering is mortgage loans for the purchase of primary residences and residential properties. The company offers a wide range of mortgage products, including fixed and variable interest rates, special offers for new constructions and renovations, and home equity loans. In addition, Home Capital Group Inc also offers loans for commercial real estate. These loans are designed for customers who want to invest in commercial properties or refinance their business premises. This includes shops, offices, or apartments. Home Capital Group Inc also operates an asset management division that offers investment products for retail customers. This includes various investment funds tailored to the needs of individual investors and small businesses. These funds invest in various asset classes such as stocks, bonds, and real estate, providing investors with broad portfolio diversification. The company also has several subsidiaries, such as Home Trust Company, which specializes in mortgage products for customers with challenging credit situations. These customers may have difficulty obtaining a mortgage from traditional banks and are looking for alternative financing options. Home Capital Group Inc is committed to providing excellent customer service to its clients. The company has hired a variety of financial experts who can assist customers in selecting the best products and services. Home Capital Group Inc has a high customer satisfaction and reputation for outstanding service, which has resulted in a large number of repeat customers. In terms of its business model, Home Capital Group Inc aims to strengthen its market presence and expand its business. The company has a solid business strategy focused on innovation, technological development, and a balanced portfolio base to expand its market presence. Ultimately, the goal of Home Capital Group Inc is to provide effective mortgage financing to its customers in Canada and around the world. This is achieved through continuous improvement of products and customer support. By emphasizing customer satisfaction and transparency, the global reputation and structure of Home Capital Group Inc are enhanced.

What is the Home Capital Group dividend?

Home Capital Group pays a dividend of 0.6 CAD distributed over payouts per year.

How often does Home Capital Group pay dividends?

The dividend cannot currently be calculated for Home Capital Group or the company does not pay out a dividend.

What is the Home Capital Group ISIN?

The ISIN of Home Capital Group is CA4369131079.

What is the Home Capital Group WKN?

The WKN of Home Capital Group is 871014.

What is the Home Capital Group ticker?

The ticker of Home Capital Group is HCG.TO.

How much dividend does Home Capital Group pay?

Over the past 12 months, Home Capital Group paid a dividend of 0.6 CAD . This corresponds to a dividend yield of about 1.36 %. For the coming 12 months, Home Capital Group is expected to pay a dividend of 0.63 CAD.

What is the dividend yield of Home Capital Group?

The current dividend yield of Home Capital Group is 1.36 %.

When does Home Capital Group pay dividends?

Home Capital Group pays a quarterly dividend. This is distributed in the months of December, March, June, September.

How secure is the dividend of Home Capital Group?

Home Capital Group paid dividends every year for the past 5 years.

What is the dividend of Home Capital Group?

For the upcoming 12 months, dividends amounting to 0.63 CAD are expected. This corresponds to a dividend yield of 1.42 %.

In which sector is Home Capital Group located?

Home Capital Group is assigned to the 'Finance' sector.

Wann musste ich die Aktien von Home Capital Group kaufen, um die vorherige Dividende zu erhalten?

To receive the latest dividend of Home Capital Group from 9/15/2023 amounting to 0.15 CAD, you needed to have the stock in your portfolio before the ex-date on 8/30/2023.

When did Home Capital Group pay the last dividend?

The last dividend was paid out on 9/15/2023.

What was the dividend of Home Capital Group in the year 2024?

In the year 2024, Home Capital Group distributed 0.45 CAD as dividends.

In which currency does Home Capital Group pay out the dividend?

The dividends of Home Capital Group are distributed in CAD.

All fundamentals about Home Capital Group

Our stock analysis for Home Capital Group Revenue stock includes important financial indicators such as revenue, profit, P/E ratio, P/S ratio, EBIT, as well as information on dividends. We also assess aspects such as stocks, market capitalization, debt, equity, and liabilities of Home Capital Group Revenue. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.