TIMIA Capital (MONT) AI Stock Analysis

• Market Cap: C$1.32M
• Dividend Yield: N/A
• Average Volume (3M): 61.02K
• Price to Earnings (P/E): ―
• Beta (1Y): 0.91
• Revenue Growth: N/A
• EPS Growth: N/A
• Country: CA
• Employees: 7
• Sector: Technology
• Sector Strength: 88
• Industry: Asset Management
• EPS (TTM): 0.06
• Shares Outstanding: 88,317,280
• 10 Day Avg. Volume: 94,070
• 30 Day Avg. Volume: 61,025
• PEG Ratio: >-0.01
• Price to Book (P/B): 0.34
• Price to Sales (P/S): 0.16
• P/FCF Ratio: -0.09
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: Moderate Sell
• Number of Analyst Covering: 0

• Rating: 41 Neutral
• Price Target: C$0.00 ▼(-100.00% Downside)

The overall stock score is primarily impacted by the company's poor financial performance, characterized by declining revenues, negative profitability, and high leverage. Technical analysis further supports a bearish outlook with weak momentum indicators. Valuation concerns, including a negative P/E ratio and lack of dividend yield, also weigh heavily on the score. The absence of positive earnings call data or corporate events leaves these negative factors unmitigated.

TIMIA Capital Business Overview & Revenue Model

Company Description

Montfort Capital Corp. acquires, manages, and builds companies that delivers private credit to diversified markets in North America. The company offers asset-based private credit for mid-market borrowers; revenue-based investment to business-to-business Software-as-a-Service businesses; and loan management services. The company was formerly known as TIMIA Capital Corp. and changed its name to Montfort Capital Corp. in June 2022. Montfort Capital Corp. was incorporated in 2007 and is headquartered in Vancouver, Canada.

How the Company Makes Money

TIMIA Capital generates revenue primarily through interest income on its financing agreements with technology companies. The company provides capital in exchange for a percentage of the companies' future revenues, which allows TIMIA to earn returns based on the performance of its portfolio companies. Additionally, TIMIA may charge fees related to the origination and management of these financing agreements. Its revenue model is enhanced by strategic partnerships with venture capital firms and technology accelerators, which can lead to a pipeline of potential clients needing growth capital.

TIMIA Capital Financial Statement Overview

Summary

Montfort Capital faces significant financial challenges, including declining revenues, negative profitability, and high leverage. The company's high debt levels and negative cash flows highlight potential financial instability. While there are some strengths, such as efficient cost management reflected in the gross profit margin, strategic measures are necessary to address debt levels and improve profitability and cash flow.

Income Statement

The income statement shows a concerning trend with a negative net income in the latest annual report, indicating losses. Revenue has decreased significantly by 52.84% from the previous year, which raises concerns about the company's ability to generate sales. Additionally, the net profit margin is negative, highlighting profitability challenges. However, the company has maintained a strong gross profit margin, suggesting efficient cost management at the revenue level.

Balance Sheet

The balance sheet indicates high leverage with a debt-to-equity ratio significantly above 1, reflecting potential financial risk. The equity ratio is low, indicating that a large portion of the company's assets are financed through debt. Return on equity is negative, which is a concern for investors seeking returns. The company needs to focus on strengthening its equity base and reducing debt.

Cash Flow

Cash flow analysis reveals a negative free cash flow, which is a concern as it indicates cash outflows are exceeding inflows, possibly impacting future operations. The operating cash flow to net income ratio is negative, suggesting operational inefficiencies. The company must improve its cash management to ensure sustainability.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	21.33M	24.27M	51.47M	31.27M	8.02M	6.09M
Gross Profit	14.57M	24.27M	25.56M	29.86M	8.84M	6.03M
EBITDA	3.68M	14.87M	25.06M	21.50M	5.52M	3.76M
Net Income	-17.63M	-23.69M	-12.36M	591.08K	2.26M	-586.34K
Balance Sheet
Total Assets	243.52M	413.08M	402.51M	462.47M	125.08M	41.92M
Cash, Cash Equivalents and Short-Term Investments	2.75M	2.03M	6.85M	7.01M	9.31M	12.87M
Total Debt	229.81M	211.21M	352.99M	373.73M	73.98M	6.95M
Total Liabilities	234.45M	401.23M	364.28M	402.60M	111.95M	7.57M
Stockholders Equity	9.07M	11.85M	35.77M	57.26M	13.13M	7.56M
Cash Flow
Free Cash Flow	-20.23M	-43.69M	-30.20M	-49.33M	7.04M	-4.42M
Operating Cash Flow	-20.23M	-43.69M	-30.20M	-49.33M	7.04M	-4.42M
Investing Cash Flow	3.21M	3.76M	256.82K	-2.23M	-4.57M	16.71M
Financing Cash Flow	12.51M	36.82M	31.22M	47.02M	-5.15M	13.18M

TIMIA Capital Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 0.02
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For TSE:MONT, the sentiment is Neutral. The current price of 0.02 is above the 20-day moving average (MA) of 0.02, below the 50-day MA of 0.02, and below the 200-day MA of 0.04, indicating a neutral trend. The MACD of >-0.01 indicates Negative momentum. The RSI at 50.81 is Neutral, neither overbought nor oversold. The STOCH value of 200.00 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for TSE:MONT.

TIMIA Capital Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
PDV	―	C$5.87M	3.01	42.23%	7.96%	-54.61%	273.14%
Sector *	―	$37.18B	12.37	-10.20%	1.83%	8.50%	-7.62%
IDK	―	C$6.14M	-0.46	-50.16%	―	-3650.71%	-437.84%
QCA	―	C$4.49M	-1.45	-29.27%	―	79.10%	-120.38%
MONT	―	C$1.32M	-0.11	―	―	―	―
AAB	―	C$4.81M	―	-203.84%	―	31.19%	16.05%
BLGV	―	C$6.68M	-2.49	―	―	51.96%	39.46%

TIMIA Capital Corporate Events

Montfort Capital Updates Pivot Sale Agreement and Announces Auditor Change

Montfort Capital Corp. has amended its agreement to sell the Pivot Group to a third-party investment fund, revising the payment terms to include a $1,000,000 cash consideration and a non-interest bearing promissory note. The sale’s closing date has been extended to October 31, 2025, with Montfort providing a $250,000 guarantee for certain loan receivables. Additionally, Montfort has announced a change of auditor, with PricewaterhouseCoopers LLP resigning and discussions underway to appoint a successor auditor.

Montfort Capital Reports H1 2025 Financial Results Amid Operational Restructuring

Montfort Capital Corp. reported its financial results for the first half of 2025, highlighting significant operational restructuring and a focus on profitable business units. Despite a 20% decline in total revenue due to lower transaction fee income from Pivot, the company achieved a 17% growth in loan portfolios, driven by Langhaus and Nuvo. The net loss from continuing operations increased to $4.3 million, primarily due to higher expected credit losses, while net income from discontinued operations rose significantly, bolstered by the gain on the disposal of Brightpath.

Montfort Capital to Sell Pivot Group and Repurchase Shares

Montfort Capital Corp. has announced its agreement to sell its Pivot Group to Pivot Endgame Corp. for a cash purchase price of $2,278,541, subject to customary closing conditions and approvals. Additionally, Montfort will repurchase shares from Dan Flaro, president of the Pivot Group, as part of the transaction. This move is expected to streamline Montfort’s operations and potentially enhance its market positioning by focusing on its core business activities.