Solution Financial Inc (SFI) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Solution Financial Inc stock C$0.07, price C$0.27, that is 74.1% below the price, quality 40 out of 100. Rating: strongly overvalued. Calculated from audited financials with 11 of our 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 3, 2026.
How to read this chart
60‑month range C$0.2027 – C$0.5182 · fair‑value band C$0.0400 – C$0.0900 · the C$0.2700 price screens above the C$0.0700 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 3, 2026.
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Solution Financial Inc., together with its subsidiary, engages in leasing, financing, and retail sale of luxury and exotic vehicles, yachts, and other assets in Canada. It serves new immigrants, business owners, and international students. Solution Financial Inc. is headquartered in Richmond, Canada.
Stock analysis
Solution Financial Inc (SFI) currently trades at C$0.2700, while our model-based Fair Value estimate is C$0.0700, 74% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Economic Profit group reads highest at a median of C$0.1100 per share, and 1 of the 10 models we run sit above the C$0.2700 price.
Bear case: the Earnings-Based group reads lowest at C$0.0300, and 9 of the 10 models stay below the price. Data coverage for this calculation is low.
Scenario range: C$0.0400 (bear) to C$0.0900 (bull), the price of C$0.2700 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 40/100 (below-average quality), in the Consumer Cyclical sector.
Mixed Growth: Spin-off in 2024: revenue and profit before it include the divested business. Growth is measured afresh from 2024.
Solution Financial Inc reported revenue of C$10.6M in FY2025 versus C$20.5M in FY2021, a compound −15.1%/yr. Reported net income was C$274K in FY2025, compounding −25.9%/yr from FY2021.
Key figures
Market cap C$22.6M (≈ $16.0M) Micro · P/E ratio 27.0 · P/S ratio 0.70 · EPS (TTM) C$0.0100 · Dividend yield 1.5% · Net margin 2.6% · Return on equity 4.2% · Return on assets (EBIT) 1.8% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 30 out of 100 (low confidence).
What moves the price
The share trades about 4% below its 52-week high and 6% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Consumer Cyclical peers we cover trades at −11% fair-value upside, at −74%, SFI screens richer than that median.
Fair Value models
The price assumes far more growth than our models allow for, so the models scatter widely (C$0.0300 to C$0.3800). Read the Fair Value as a cautious anchor, not a price target; the Growth Forecast section shows what the price assumes.
BearC$0.0400Fair Value C$0.0700BullC$0.0900
Price C$0.2700 · Downside -74.1%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then (C$0.0051 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.55/100
Spin-off in 2024: revenue and profit before it include the divested business. Growth is measured afresh from 2024.
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
−6.6%
Earnings growth per share plus dividend.
Earnings per share, growth per year−8.1%
Dividend (yield on the price)1.5%
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.6% → 1%
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Auto & Truck Dealerships · 85 stocks
Beats the industry median on 4/13 measures
Overall it trails its industry peers.
Valuation
Quality Score40 · Below median
Fair Value upside−74.1% · Bottom 25%
Profitability
Return on equity (12 months)4.2% · Below median
Return on assets0.7% · Below median
Net margin (12 months)3.0% · Above median
Operating margin (12 months)8.0% · Top 25%
Growth and dividend
Revenue growth (quarter YoY)206.1% · Top 25%
Dividend yield (12 months)1.5% · Below median
Balance sheet
Debt / equity0.64× · Above median
Valuation Multiplesvs Auto & Truck Dealerships median · lower = cheaper
P/E (12 months)27.0× · Pricier than median
P/B1.31× · Cheaper than median
P/S (12 months)0.96× · Priciest 25%
EV/EBITDA13.0× · Priciest 25%
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 47
FUTURE (revenue growth)100· sector 30
PAST (return on equity)17· sector 32
HEALTH (low debt)68· sector 84
DIVIDEND (yield)30· sector 74
VALUE 0: the price sits above our fair-value range.
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Is Solution Financial Inc (SFI) overvalued or undervalued?
As of Nov 3, 2026, our model estimates a fair value of C$0.0700 versus a price of C$0.2700, about 74% lower (overvalued).
What is the fair value of SFI?
Our model-based fair value for Solution Financial Inc is C$0.0700 (as of Nov 3, 2026), built from audited fundamentals. The current price: C$0.2700.
What is the quality score of SFI?
Solution Financial Inc has a Quality Score of 40/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Solution Financial Inc (SFI)?
Our model-based price target is the fair value of C$0.0700 (as of Nov 3, 2026) from 11 valuation models. Cautious scenario C$0.0400, optimistic scenario C$0.0900. It is a calculation from audited fundamentals, not an analyst target.
What is the Solution Financial Inc stock forecast for 2026?
Our models put fair value at C$0.0700, about 74% lower versus a price of C$0.2700 (overvalued). Cautious scenario C$0.0400, optimistic scenario C$0.0900. The calculation is refreshed regularly with new filings.
What is the revenue of Solution Financial Inc (SFI)?
Solution Financial Inc reported trailing-twelve-month revenue of about C$16.6M (latest available figure, as of Nov 3, 2026).
Does Solution Financial Inc pay a dividend?
Solution Financial Inc currently shows a dividend yield of 1.48% relative to its recent price (as of Nov 3, 2026).
How much is the dividend of Solution Financial Inc (SFI) and when is the ex-dividend date?
Solution Financial Inc pays a dividend of C$0.004 per share a year, a dividend yield of 1.5%. The last ex-dividend date was Mar 2, 2026. A dividend has been paid every year since at least 2019. The payout ratio is 40.0% of earnings. Our assessment: Watch coverage. The dividend isn’t fully covered by free cash flow or earnings, part of it is funded from reserves or debt. Fine for now, but worth watching: if it stays uncovered, the dividend could be cut.
What is the intrinsic value of Solution Financial Inc (SFI)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Solution Financial Inc it is C$0.0700 per share (as of Nov 3, 2026), against a price of C$0.2700. It is the blended result of 11 valuation models in 7 families (DCF Models, Earnings-Based, Dividend Discount, Multiples, Asset-Based, Economic Profit, Growth Earnings).
Is Solution Financial Inc stock overvalued or undervalued in 2026?
As of Nov 3, 2026, SFI trades above its calculated fair value: price C$0.2700, fair value C$0.0700, a gap of about −74% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of SFI?
No. The price is what the market pays today (C$0.2700); the fair value is what the company's own numbers justify (C$0.0700). For Solution Financial Inc the two are C$0.2000 per share apart. That gap is exactly why we show both numbers side by side.
How much is Solution Financial Inc worth?
The market values Solution Financial Inc at about C$22.6M (market capitalisation, as of Nov 3, 2026). Per share that is C$0.2700; our models calculate a fair value of C$0.0700 per share.
What do the bullish and bearish scenarios say about SFI?
Our models span a range for Solution Financial Inc: cautious scenario C$0.0400, base C$0.0700, optimistic C$0.0900 per share (as of Nov 3, 2026, price C$0.2700). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of SFI?
Solution Financial Inc trades at a price-to-earnings ratio of 27.0 (as of Nov 3, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of C$0.0700 is built from several models across several years. Median P/E at fiscal year-end, 7 fiscal years (2019 to 2025), reported earnings: 86.6. Other multiples: P/B 1.3, P/S 1.0, EV/EBITDA 13.0.
How solid is the balance sheet of Solution Financial Inc (SFI)?
Balance-sheet figures for Solution Financial Inc (as of Nov 3, 2026): return on equity 4.2%, debt of 0.64 per unit of equity. They feed the Quality Score of 40/100, which measures business quality independently of the share price.
How far is SFI from its 52-week high?
Solution Financial Inc trades at C$0.2700, about 4% below its 52-week high of C$0.2800 and 6% above the low of C$0.2550 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of C$0.0700 is for.
Which stocks are comparable to Solution Financial Inc?
From the same area (Consumer Cyclical) we also value Carvana Co, Penske Automotive Group, Hotai Motor Co, CarMax, Inc, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Solution Financial Inc stock attractive at the current price?
The data as of Nov 3, 2026: price C$0.2700, calculated fair value C$0.0700 (−74%), Quality Score 40/100, from 11 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of SFI calculated?
We run Solution Financial Inc through 11 models from 7 families: DCF Models, Earnings-Based, Dividend Discount, Multiples, Asset-Based, Economic Profit, Growth Earnings. Every model gets the same audited fundamentals; the fair value of C$0.0700 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. Solution Financial Inc itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Solution Financial Inc (SFI)?
The closing price on Nov 6, 2026 was C$0.2700. Our model-based fair value is C$0.0700, about 74% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Solution Financial Inc right now?
The price sits above even our optimistic bull case (C$0.0900). The favourable scenario is already priced in. Weak quality (40/100) and above fair value at the same time, the margin of safety is missing on both counts. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. A fairly wide model range (C$0.0400 to C$0.0900) leaves room in how you read the outcome.
Key figures of Solution Financial Inc
How large is the market capitalisation of Solution Financial Inc (SFI)?
The market capitalisation of Solution Financial Inc is C$22.6M (≈ $16.0M). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Solution Financial Inc (SFI)?
The price-to-sales ratio of Solution Financial Inc is 0.70 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Solution Financial Inc (SFI)?
Earnings per share at Solution Financial Inc are C$0.0100 (price ÷ EPS = P/E 27.0). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Solution Financial Inc (SFI)?
The dividend yield of Solution Financial Inc is 1.5% (payout 40.0%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Solution Financial Inc (SFI)?
The net margin of Solution Financial Inc is 2.6% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Solution Financial Inc (SFI)?
The return on equity (ROE) of Solution Financial Inc is 4.2% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Solution Financial Inc (SFI)?
On an EBIT basis the return on assets of Solution Financial Inc is 1.8% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Solution Financial Inc (SFI)?
The operating margin of Solution Financial Inc is 8.0% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Solution Financial Inc (SFI)?
Revenue at Solution Financial Inc is growing +206% versus a year earlier (3y avg −19.5%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Solution Financial Inc (SFI)?
Earnings per share at Solution Financial Inc are growing +106% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Solution Financial Inc (SFI) generate?
The free cash flow of Solution Financial Inc is −C$4.9M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Solution Financial Inc (SFI) carry?
The net debt of Solution Financial Inc is C$6.8M (fiscal year 2025). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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Thin data
Nov 3, 2026