Solution Financial Inc (SFI) fair value: what the stock is really worth
As of Sep 23, 2026: fair value of Solution Financial Inc C$0.06, price C$0.27, upside -77.4%, quality 41 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 23, 2026.
How to read this chart
60‑month range C$0.2027 – C$0.5182 · fair‑value band C$0.0400 – C$0.0700 · the C$0.2650 price screens above the C$0.0600 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 23, 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$0.2650, while our model-based Fair Value estimate is C$0.0600, implying the stock looks roughly 341.7% overvalued today.
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Valuation
Bull case: the DCF Models group reads highest at a median of C$0.1100 per share, and 0 of the 10 models we run sit above the C$0.2650 price.
Bear case: the Earnings-Based group reads lowest at C$0.0300, and 10 of the 10 models stay below the price. Evidence for this calculation is low.
Scenario range: C$0.0400 (bear) to C$0.0700 (bull), the price of C$0.2650 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 41/100 (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$22.2M (≈ $15.7M) · P/E ratio 26.5 · P/S ratio 0.68 · EPS (TTM) C$0.0100 · Dividend yield 1.5% · Net margin 2.6% · Return on equity 3.4% · Return on assets (EBIT) 1.8%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 37 out of 100 (low confidence).
What moves the price
The share trades about 5% below its 52-week high and at its 52-week low, currently below its 200-day average.
For context, the median of 10 Consumer Cyclical peers we cover trades at 10% fair-value upside, at −77%, SFI screens richer than that median.
Fair Value models
Bear C$0.0400Fair Value C$0.0600Bull C$0.0700
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then (C$0.0044 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.Evidence ⓘEvidence = 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 · 106 stocks
Beats the industry median on 4/13 measures
Overall it trails its industry peers.
Valuation
Quality Score41 · Below median
Fair Value upside−77% · Bottom 25%
Profitability
Return on equity (TTM)3% · Below median
Return on assets3% · Below median
Net margin (TTM)3% · Above median
Operating margin (TTM)12% · Top 25%
Growth and dividend
Revenue growth36% · Top 25%
Dividend yield (TTM)1.5% · Bottom 25%
Balance sheet
Debt / equity0.64× · Above median
Valuation Multiplesvs Auto & Truck Dealerships median · lower = cheaper
P/E (TTM)26.5× · Priciest 25%
P/B1.28× · Cheaper than median
P/S (TTM)1.28× · Priciest 25%
EV/EBITDA14.1× · Priciest 25%
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 39
FUTURE (revenue growth)100· sector 8
PAST (return on equity)13· sector 20
HEALTH (low debt)68· sector 90
DIVIDEND (yield)30· sector 78
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 Sep 23, 2026, our model estimates a fair value of C$0.0600 versus a price of C$0.2650, about −77% upside (overvalued).
What is the fair value of SFI?
Our model-based fair value for Solution Financial Inc is C$0.0600 (as of Sep 23, 2026), built from audited fundamentals. The current price: C$0.2650.
What is the quality score of SFI?
Solution Financial Inc has a Quality Score of 41/100. 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$0.0600 (as of Sep 23, 2026) from 11 valuation models. Cautious scenario C$0.0400, optimistic scenario C$0.0700. 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$0.0600, about −77% upside versus a price of C$0.2650 (overvalued). Cautious scenario C$0.0400, optimistic scenario C$0.0700. 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$12.3M (latest available figure, as of Sep 23, 2026).
Does Solution Financial Inc pay a dividend?
Solution Financial Inc currently shows a dividend yield of about 1.51% relative to its recent price (as of Sep 23, 2026).
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$0.0600 per share (as of Sep 23, 2026), against a price of C$0.2650. It is the blended result of 11 valuation models (cash flow, earnings, asset, dividend).
Is Solution Financial Inc stock overvalued or undervalued in 2026?
As of Sep 23, 2026, SFI trades above its calculated fair value: price C$0.2650, fair value C$0.0600, a gap of about −77% (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$0.2650); the fair value is what the company's own numbers justify (C$0.0600). For Solution Financial Inc the two are C$0.2050 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$22.2M (market capitalisation, as of Sep 23, 2026). Per share that is C$0.2650; our models calculate a fair value of C$0.0600 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$0.0600, optimistic C$0.0700 per share (as of Sep 23, 2026, price C$0.2650). 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 26.5 (as of Sep 23, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of C$0.0600 is built from several models across several years. Other multiples: P/B 1.3, P/S 1.3, EV/EBITDA 14.1.
How solid is the balance sheet of Solution Financial Inc (SFI)?
Balance-sheet figures for Solution Financial Inc (as of Sep 23, 2026): return on equity 3.4%, debt of 0.64 per unit of equity. They feed the Quality Score of 41/100, which measures business quality independently of the share price.
How far is SFI from its 52-week high?
Solution Financial Inc trades at C$0.2650, about 5% below its 52-week high of C$0.2800 and at the low of C$0.2650 (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of C$0.0600 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 Sep 23, 2026: price C$0.2650, calculated fair value C$0.0600 (−77%), Quality Score 41/100, 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 four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of C$0.0600, 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 13.0 % 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 Sep 23, 2026 was C$0.2650. Our model-based fair value is C$0.0600, about −77% upside (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$0.0700). The favourable scenario is already priced in. Weak quality (41/100) 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.
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$22.2M (≈ $15.7M). 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 0.68 (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 26.5). 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 3.4% (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 11.8% (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 +35.9% 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 +16.0% 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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