CompanyGraph
At a glance
- Depends onMidstream position: 6 outgoing, 6 incoming connections
- PositionProfit margin is -120.3%, lower than 95% of its Credit Services peers (median 17.5%)
- FinancialsLow earnings quality
- Interpretations3 currently firing — 1 · 2
Sign in to view price data.
Sign inWhat the company actually pays, and whether its own cash supports it.
Dividends view
Yield
13.51%Above 5Y avg (3.71%)
Annual Rate
CAD 5.84Paid quarterly
Payout Ratio
40.5%Sustainable
Consecutive Growth
11 yrStrong track record
Paying Dividends
22 yr
Payback Period
7.3 yr
Last Ex-Dividend
Dec 24, 2025
Last Payment
Jan 9, 2026
Screen for this company's dividend patterns
Find other companies where the same dividend readings fire.
Dividend-Increase Streak With Revenue Growth
→all years increased income revenue 3y
dividend growth rate standard
dividend increased years 5y
1 interpretation currently present — each is a set of fired observations whose alignment reads as one structural pattern. Click an observation to see the numbers behind it.
Screen for these patternsHow does this company return capital?
Dividend-Increase Streak With Revenue Growth
Dividend raised five years running, with revenue up in each of three.
Reads
An interpretation is present only while every observation it reads stays fired (score ≥ 70). It describes what the aligned readings show — never a verdict, never a prediction.
The reported statements, read against the company's own industry.
Financials view
Market Capitalization
693.00MCAD493.24M · vs all stocks (USD)
Revenue (TTM)
287.25MCAD204.45M · vs all stocks (USD)
Profit Margin
-120.33%vs Credit Services peers
Beta
1.27xvs all stocks
52-Week Change
-75.80%vs all stocks
Forward Annual Dividend Yield
13.51%vs all stocks
Market Capitalization
693.00MCAD493.24M · vs all stocks (USD)
Enterprise Value
4.78BCAD3.41B · vs all stocks (USD)
Forward P/E
9.75xvs Credit Services peers
Price to Sales (TTM)
2.47xvs Credit Services peers
Price to Book (MRQ)
0.8906xvs Credit Services peers
Enterprise to Revenue
16.66xvs Credit Services peers
Enterprise to EBITDA
2.31xvs Credit Services peers
Gross Margin
64.88%vs Credit Services peers
Profit Margin
-120.33%vs Credit Services peers
Operating Margin
11.39%vs Credit Services peers
Return on Assets (TTM)
-6.22%vs Credit Services peers
Return on Equity (TTM)
-34.42%vs Credit Services peers
Revenue (TTM)
287.25MCAD204.45M · vs all stocks (USD)
Revenue per Share (TTM)
17.46CADUpdated Sep 23, 2026Quarterly Revenue Growth
-41.60%vs Credit Services peers
EBITDA (TTM)
2.19BCAD1.56B · vs all stocks (USD)
Net Income (TTM)
-345.65MCAD-246.02M · vs all stocks (USD)
Quarterly Earnings Growth (YoY)
-82.70%vs Credit Services peers
Operating Cash Flow (TTM)
100.06MCAD71.22M · vs all stocks (USD)
Levered Free Cash Flow (TTM)
-178.37MCAD-126.95M · vs all stocks (USD)
Forward Annual Dividend Rate
5.84CADUpdated Sep 23, 2026Forward Annual Dividend Yield
13.51%vs all stocks
Trailing Annual Dividend Rate
5.84CADUpdated Sep 23, 2026Trailing Annual Dividend Yield
13.51%vs all stocks
5-Year Average Dividend Yield
3.71%vs all stocks
Payout Ratio
40.48%vs Credit Services peers
Revenue
1.70BCADFY2025 · Dec 31, 2025Cost of Goods Sold
527.72MCADFY2025 · Dec 31, 2025Gross Profit
1.17BCADFY2025 · Dec 31, 2025Operating Income
937.40MCAD667.19M · vs all stocks (USD)
Pre-tax Income
-180.92MCADFY2025 · Dec 31, 2025Income Tax Expense
-2.55MCADFY2025 · Dec 31, 2025Net Income
-178.37MCADFY2025 · Dec 31, 2025EBIT
937.40MCADFY2025 · Dec 31, 2025EBITDA (Income Statement)
2.07BCADFY2025 · Dec 31, 2025Selling, General & Administrative
109.25MCADFY2025 · Dec 31, 2025Other Operating Expenses
68.00MCADFY2025 · Dec 31, 2025Non-operating Interest Income
7.03MCADFY2025 · Dec 31, 2025EPS (Basic)
-10.78CADFY2025 · Dec 31, 2025EPS (Diluted)
-10.78CADFY2025 · Dec 31, 2025Basic Shares Outstanding
16.54MSharesFY2025 · Dec 31, 2025Diluted Shares Outstanding
16.54MSharesFY2025 · Dec 31, 2025Net Income from Continuing Operations
-178.37MCADFY2025 · Dec 31, 2025Operating Cash Flow
-1.99BCADFY2025 · Dec 31, 2025Free Cash Flow
-2.00BCADFY2025 · Dec 31, 2025Cash & Cash Equivalents (End of Period)
152.66MCADFY2025 · Dec 31, 2025Income Tax Paid
144.91MCADFY2025 · Dec 31, 2025Interest Paid
271.22MCADFY2025 · Dec 31, 2025Starting Profit (CF Statement)
-178.37MCADFY2025 · Dec 31, 2025Depreciation & Amortization
82.18MCADFY2025 · Dec 31, 2025Deferred Taxes (CF)
-28.99MCADFY2025 · Dec 31, 2025Stock-based Compensation
8.20MCADFY2025 · Dec 31, 2025Other Non-cash Items
-1.69BCADFY2025 · Dec 31, 2025Change in Accounts Receivable (CF)
129.00KCADFY2025 · Dec 31, 2025Change in Accounts Payable (CF)
-75.98MCADFY2025 · Dec 31, 2025Change in Other Assets/Liabilities
-107.44MCADFY2025 · Dec 31, 2025Capital Expenditures
-6.49MCADFY2025 · Dec 31, 2025Net Intangibles (CF)
-15.70MCADFY2025 · Dec 31, 2025Sale of Investments
0.00CADFY2025 · Dec 31, 2025Net Investing Cash Flow
-6.49MCADFY2025 · Dec 31, 2025Long-term Debt Issuance
1.39BCADFY2025 · Dec 31, 2025Long-term Debt Payments
-1.33BCADFY2025 · Dec 31, 2025Net Short-term Debt Issuance
-309.40MCADFY2025 · Dec 31, 2025Common Stock Repurchase
-113.89MCADFY2025 · Dec 31, 2025Common Dividends Paid
-87.34MCADFY2025 · Dec 31, 2025Other Financing Charges
-1.87MCADFY2025 · Dec 31, 2025Net Financing Cash Flow
-441.77MCADFY2025 · Dec 31, 2025Shares Outstanding
16.03MSharesUpdated Sep 23, 2026Float Shares
10.34MSharesUpdated Sep 23, 2026Shares Short
1.08MSharesUpdated Sep 23, 2026Short Ratio
20.32daysvs all stocks
% Held by Insiders
20.45%vs all stocks
% Held by Institutions
26.49%vs all stocks
Total Cash (MRQ)
387.65MCAD275.91M · vs all stocks (USD)
Total Cash per Share (MRQ)
24.18CADUpdated Sep 23, 2026Total Debt (MRQ)
4.46BCAD3.17B · vs all stocks (USD)
Total Debt to Equity (MRQ)
5.60xvs Credit Services peers
Current Ratio (MRQ)
25.91xvs Credit Services peers
Book Value per Share (MRQ)
49.65CADUpdated Sep 23, 2026Total Assets
5.76BCAD4.10B · vs all stocks (USD)
Total Current Assets
5.35BCADFY2025 · Dec 31, 2025Total Liabilities
4.91BCADFY2025 · Dec 31, 2025Total Non-current Assets
410.81MCADFY2025 · Dec 31, 2025Total Non-current Liabilities
4.68BCADFY2025 · Dec 31, 2025Total Current Liabilities
230.99MCADFY2025 · Dec 31, 2025Cash
99.46MCADFY2025 · Dec 31, 2025Cash & Cash Equivalents
99.46MCADFY2025 · Dec 31, 2025Accounts Receivable
168.54MCADFY2025 · Dec 31, 2025Accounts Payable
176.38MCADFY2025 · Dec 31, 2025Deferred Revenue
31.22MCADFY2025 · Dec 31, 2025Long-term Debt
4.63BCADFY2025 · Dec 31, 2025Common Stock (Book)
430.32MCADFY2025 · Dec 31, 2025Retained Earnings
406.68MCADFY2025 · Dec 31, 2025Total Shareholders' Equity
850.42MCAD605.29M · vs all stocks (USD)
52-Week Low
27.60CADUpdated Sep 23, 202652-Week High
181.62CADUpdated Sep 23, 202652-Week Change
-75.80%vs all stocks
Beta
1.27xvs all stocks
50-Day MA
45.57CADUpdated Sep 23, 2026200-Day MA
67.75CADUpdated Sep 23, 2026Avg 10-Day Volume
77.21KSharesUpdated Sep 23, 2026Avg 30-Day Volume
62.62KSharesUpdated Sep 23, 2026Diluted EPS (TTM)
-20.87CADUpdated Sep 23, 2026Other Income / Expense
-1.06BCADFY2025 · Dec 31, 20252 interpretations currently present — each is a set of fired observations whose alignment reads as one structural pattern. Click an observation to see the numbers behind it.
Screen for these patternsHow does this company use capital?
Operating Income Growing With Multi-Year Revenue Growth
Revenue up in each of five years, with operating income up in each of four.
Reads
Is this company growing?
Revenue Growth With Elevated Margin
Revenue up in each of five years, while its operating margin stays high.
Reads
An interpretation is present only while every observation it reads stays fired (score ≥ 70). It describes what the aligned readings show — never a verdict, never a prediction.
Shared structure with peers — never a ranking.
Relationships view
Structural observations derived from financial data, industry benchmarks, and supply chain position.
Peer Positioning
Profit margin is -120.3%, lower than 95% of its Credit Services peers (median 17.5%)Significant
Profit margin: -1.20Industry median: 0.18Industry P5: -0.10Peers compared: 66.00
Return on equity is -34.4%, lower than 95% of its Credit Services peers (median 10.9%)Significant
Return on equity: -0.34Industry median: 0.11Industry P5: -0.10Peers compared: 66.00
Return on assets is -6.2%, lower than 95% of its Credit Services peers (median 2.5%)Significant
Return on assets: -0.06Industry median: 0.02Industry P5: -0.02Peers compared: 66.00
Structural Tensions
High gross margins eroded by operating costsNotable
Gross Margin: 0.65Profit Margin: -1.20
Prioritizing buybacks over growth reinvestmentNotable
Buyback Intensity: 0.16Revenue Growth YoY: -0.42
Financial Health
Low earnings qualitySignificant
Earnings Quality Score: -2.64
High structural barrier to entryNotable
Barrier to Entry: 0.78
Supply Chain
Midstream position: 6 outgoing, 6 incoming connectionsNotable
Outgoing: 6.00Incoming: 6.00
High connectivity hub: 12 industry connectionsNotable
Total Connections: 12.00
Companies that share the same coordination system — how they create, deliver, or capture value.
ChoiceOne Financial Services Inc.
Tier 1RiskSpread-Based LeverageRuleFlow
Ponce Financial Group Inc.
Tier 1RiskSpread-Based LeverageFlowRule
Orange County Bancorp Inc.
Tier 1RiskSpread-Based LeverageRuleInterface
Uralsib Bank PJSC
Tier 1RiskSpread-Based LeverageFlowRule
Bank of the Ryukyus Ltd.
Tier 1RiskSpread-Based LeverageRuleFlow
Sierra Bancorp
Tier 1RiskSpread-Based LeverageRuleFlow
Sunlight Real Estate Investment Trust
Tier 1RiskSpread-Based LeverageFlowProduction
Flushing Financial Corp.
Tier 1RiskSpread-Based LeverageRuleFlow
Bank KB Bukopin Tbk.
Tier 1RiskSpread-Based LeverageFlowInterface
Mas Financial Services Ltd.
Tier 1RiskSpread-Based LeverageFlowInterface
Companies that share active interpretations — structural patterns currently present in both stocks.
Five-Star Business Finance Limited
2 interpretationsRevenue Growth With Elevated MarginOperating Income Growing With Multi-Year Revenue Growth
Comfort Systems USA, Inc.
2 interpretationsOperating Income Growing With Multi-Year Revenue GrowthDividend-Increase Streak With Revenue Growth
Insource Co., Ltd.
2 interpretationsRevenue Growth With Elevated MarginOperating Income Growing With Multi-Year Revenue Growth