Stocks · Financial Services · Asset Management
MidCap Financial Investment Corporation MFIC
$8.62 -1.37% Close, Oct 2, 2026 · NASDAQ · Market cap $710.1M
High qualityWeak trend
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Diluted EPS over the last four quarters was $-0.36, down 130.0% year over year.
- The diluted share count fell 11.9% in a year, mainly through buybacks.
- Net debt is 11.1× EBITDA, a high level of leverage.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Top 36%
- EPS growth (TTM, YoY)Bottom 7%
- Revenue growth, 3-year CAGRTop 20%
- Revenue growth accelerationTop 16%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 38%
- Gross marginTop 1%
- Operating marginTop 19%
- Accruals (lower is better)Top 6%
- Net debt / EBITDA (lower is better)Bottom 12%
- Interest coverBottom 42%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldBottom 9%
- Free-cash-flow yieldTop 3%
- EBITDA / enterprise valueBottom 48%
- Sales / enterprise valueBottom 11%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthBottom 11%
- 6-month returnBottom 4%
- 1-year return vs S&P 500Bottom 12%
- Distance from 52-week highBottom 15%
- Trend checklist (0–4)Bottom 9%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersBottom 50%
- Consecutive EPS beatsTop 34%
- Share of analysts rating BuyBottom 23%
- Upside to consensus price targetTop 24%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 50%
- Maximum drawdown, 3 yearsBottom 19%
- Beta vs S&P 500 (lower is better)Top 43%
- Net debt / EBITDA (lower is better)Bottom 12%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 4.8% | 10.9% | ↑ |
| EPS growth (YoY) | -97.1% | -130.0% | ↓ |
| Gross margin | 46.3% | 113.4% | ↑ |
| Operating margin | 42.3% | 36.1% | ↓ |
| FCF margin | -75.8% | 212.4% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 10.9% | 4.8% | ↑ | Top 36% |
| EPS growth (TTM, YoY) | -130.0% | -97.1% | ↓ | Bottom 7% |
| Gross margin | 113.4% | 46.3% | ↑ | Top 1% |
| Operating margin | 36.1% | 42.3% | ↓ | Top 19% |
| Net margin | -11.4% | 42.3% | ↓ | — |
| Free-cash-flow margin | 212.4% | -75.8% | ↑ | — |
| Return on invested capital | 3.3% | — | Top 38% | |
| Revenue growth, 3-year CAGR | 24.7% | — | Top 20% |
Quality of earnings and balance sheet
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -20.3%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.0%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- -48.6 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 11.09×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.8×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 17.48%
- Net buyback yield (TTM)
- 17.01%
- Shareholder yield
- 34.50%
- Share count change, 1 year
- -11.9%
- Share count change, 3-year CAGR
- +8.1%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 6, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 3
- Beats in the last 8 reports
- 5 of 8
- Average EPS surprise, last 4
- +4.8%
- Average 2-day reaction, last 8
- -0.0%
- Positive 20 days after report
- 5 of 8
Analysts
- Consensus price target
- $10.92
- Target vs current price
- +26.7%
- Analysts with a rating
- 14
- Share rating Buy or Strong Buy
- 29%
- Consensus rating
- Hold
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Aug 6, 2026 | +8.3% | +2.4% | +1.8% | +2.0% | — |
| May 6, 2026 | +5.6% | -1.3% | -8.8% | -15.0% | -21.8% |
| Feb 26, 2026 | +5.4% | -3.7% | -2.5% | +2.6% | -2.6% |
| Nov 6, 2025 | +0.0% | -1.0% | -1.8% | +0.0% | -10.8% |
| Aug 11, 2025 | +5.4% | +0.2% | +2.2% | +2.9% | -3.2% |
| May 12, 2025 | -5.1% | +3.4% | +5.8% | +7.7% | +4.0% |
| Feb 25, 2025 | +0.0% | -1.8% | -5.8% | -10.1% | -11.3% |
| Nov 7, 2024 | +2.3% | +1.3% | +1.9% | +4.7% | +3.9% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Aug 6, 2026 | $0.40 | $0.37 | +8.3% | $68.2M |
| May 6, 2026 | $0.38 | $0.36 | +5.6% | $71.8M |
| Feb 26, 2026 | $0.39 | $0.37 | +5.4% | $78.4M |
| Nov 6, 2025 | $0.38 | $0.38 | +0.0% | $82.6M |
| Aug 11, 2025 | $0.39 | $0.37 | +5.4% | $81.2M |
| May 12, 2025 | $0.37 | $0.39 | -5.1% | $78.7M |
| Feb 25, 2025 | $0.40 | $0.40 | +0.0% | $82.2M |
| Nov 7, 2024 | $0.44 | $0.43 | +2.3% | $82.1M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (forward) | 5.8× | — | — | — |
| EV / EBITDA | 15.7× | — | — | Bottom 48% |
| EV / Sales | 9.25× | — | — | Bottom 11% |
| Free-cash-flow yield | 77.77% | — | — | Top 3% |
| Earnings yield | -4.18% | — | — | Bottom 9% |
P/E over the past five years
Range 6.4× – 301.8× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- -27.1%
- Earnings per share growth (TTM)
- -130.0%
- Change in P/E multiple
- +3165.7%
Most of the move came from a change in the valuation multiple.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✗ Price above 200-day average
- ✗ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 0
- 50-day average slope (20 days)
- -3.4%
- 200-day average slope (20 days)
- -2.7%
- Distance from 50-day average
- -8.5%
- Distance from 200-day average
- -18.2%
- RSI (14)
- 28.0
- Relative volume
- 1.20×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 20.6%
- Volatility vs own 5-year history
- 51th percentile · Normal for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.64
- Correlation with S&P 500
- 0.41
- Current drawdown from 1-year high
- -30.5%
- Maximum drawdown, 3 years
- -46.9%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Jun 7, 2024 | Oct 2, 2026 | -46.9% | 581 days | Not yet recovered |
| Jun 14, 2021 | Jun 16, 2022 | -33.4% | 255 days | 456 days (Apr 11, 2024) |
| Oct 5, 2020 | Oct 28, 2020 | -14.0% | 17 days | 8 days (Nov 9, 2020) |
| Dec 17, 2020 | Jan 4, 2021 | -11.8% | 10 days | 8 days (Jan 14, 2021) |
| Mar 17, 2021 | Mar 24, 2021 | -10.7% | 5 days | 31 days (May 7, 2021) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $710.1M
- EPS, diluted (TTM)
- -$0.36
- Revenue (TTM)
- $260.0M
- Dividend yield
- 15.20%
- 52-week range
- $8.60 – $12.50
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $151.7M | $141.5M | $237.3M | $226.3M | $274.4M |
| Gross profit | $96.7M | $94.1M | $133.2M | $110.3M | $228.8M |
| Operating income | $82.4M | $103.5M | $118.8M | $98.8M | $196.6M |
| Net income | $82.4M | $30.6M | $118.8M | $98.8M | $63.2M |
| EPS (diluted) | $1.28 | $0.47 | $1.82 | $1.27 | $0.68 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $61.7M | $57.6M | $62.3M | $53.0M | $63.6M | $65.0M | $63.4M | $68.1M |
| Net income | $26.7M | $24.1M | $30.3M | $18.1M | $27.5M | -$12.7M | -$26.9M | -$17.5M |
| EPS (diluted) | $0.41 | $0.28 | $0.32 | $0.19 | $0.29 | -$0.14 | -$0.30 | -$0.21 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | -$2.7M | $76.1M | $196.4M | -$9.5M | $101.4M |
| Capital expenditure | $0 | $0 | $0 | $0 | $0 |
| Free cash flow | -$2.7M | $76.1M | $196.4M | -$9.5M | $101.4M |
| Dividends paid | -$93.3M | -$66.7M | -$123.5M | -$139.6M | -$141.6M |
| Net share buybacks | -$21.1M | $28.4M | -$2.3M | $0 | -$19.0M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $43.3M
- Total assets
- $2.86B
- Total liabilities
- $1.76B
- Total debt
- $1.74B
- Net debt
- $1.70B
- Shareholders’ equity
- $1.10B
As of Jun 30, 2026 (filed Aug 6, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Sep 8, 2026 | $0.31 | Sep 24, 2026 |
| Jun 9, 2026 | $0.31 | Jun 25, 2026 |
| Mar 10, 2026 | $0.31 | Mar 26, 2026 |
| Dec 9, 2025 | $0.38 | Dec 23, 2025 |
| Sep 9, 2025 | $0.38 | Sep 25, 2025 |
| Jun 10, 2025 | $0.38 | Jun 26, 2025 |
| Mar 11, 2025 | $0.38 | Mar 27, 2025 |
| Dec 10, 2024 | $0.38 | Dec 26, 2024 |
Short interest
- Shares sold short
- 2,723,902
- Days to cover
- 5.99
- Change vs previous report
- -1.7%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Dec 3, 2018
- 1-for-3