Solution Financial Inc (SFI) Fair Value & Analysis
Consumer Cyclical · CA · Market cap C$22.4M
Fair value as of: Jul 13, 2026
From 11 valuation models · updated 28 days ago
Fair value updated Jul 13, 2026, revised from C$0.0700 to C$0.0600 (−14.3%) since Jun 24, 2026.
Below-average quality, and screening another 78% overvalued on our models.
What matters now
- The price sits above even our optimistic bull case (C$0.0700). The favourable scenario is already priced in.
- Weak quality (42/100) and above fair value at the same time, the margin of safety is missing on both counts.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 13, 2026.
How to read this chart
60‑month range C$0.2027 – C$0.5638 · fair‑value band C$0.0400 – C$0.0700 · the C$0.2750 price screens above the C$0.0600 fair value. Dashed = 300-day average. As of Jul 13, 2026.
Analysis
Solution Financial Inc (SFI) currently trades at C$0.2750, while our model-based Fair Value estimate is C$0.0600, implying the stock looks roughly 78.2% overvalued today. The Quality Score stands at 42/100 (below-average quality), in the Consumer Cyclical sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: high).
Over the trailing twelve months, Solution Financial Inc generated revenue of C$11.3M at a net margin of 2.8%. Revenue grew 28.7% year over year. It earns a return on equity of 2.6%. Net debt stands at C$6.8M. Fundamentals as of Jul 13, 2026
Our scenario range runs from C$0.0400 (bear case) to C$0.0700 (bull case); at C$0.2750, the current price sits above that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 7% 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 -14% fair-value upside, at -78%, SFI screens richer than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 11 models by family
Widest divergence: Asset-Based (C$0.1000) versus Earnings-Based (C$0.0300). Highest evidence: Residual Income (76).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Jul 13, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 36 · Market factors (momentum, volatility) 56
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
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.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
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.
SFI screens 78% overvalued. Compare with Carvana Co →
Peer Group
Auto & Truck Dealerships · 102 stocks
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.
Valuation Multiples vs Auto & Truck Dealerships median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
VALUE 0: the price sits above our fair-value range.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Auto & Truck Dealerships stocks, each showing price versus our Fair Value estimate (as of Jul 13, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Carvana Co CVNA | $70.38 | $24.58 | -65% |
| Penske Automotive Group PAG | $202.66 | $241.86 | +19% |
| Hotai Motor Co 2207 | 476.50 TWD | 576.75 TWD | +21% |
| CarMax, Inc KMX | $58.47 | $29.62 | -49% |
| Lithia Motors, Inc LAD | $339.16 | $610.95 | +80% |
| AutoNation, Inc AN | $205.72 | $329.77 | +60% |
| Rush Enterprises, Inc RUSHA | $76.89 | $66.27 | -14% |
| Valvoline Inc VVV | $38.64 | $24.57 | -36% |
| OPENLANE, Inc OPLN | $39.46 | $33.81 | -14% |
| Eagers Automotive Limited APE | A$20.83 | A$17.66 | -15% |
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
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