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Solution Financial Inc (SLNFF) fair value: what the stock is really worth
As of Oct 1, 2026: fair value of Solution Financial Inc $0.07, price $0.19, upside -63.0%, quality 43 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
- Fair value above price? No
- Good quality? No
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Thin data
Sep 24, 2026
Thin data
Sep 24, 2026
Solution Financial Inc
SLNFF · USWeakest SetupStrongly overvalued and low quality.
!Fair value $0.0700 · Strongly overvalued (−63.0%)
!Quality 43/100
!Expensive Growth (revenue 5y +26.2 %/yr)
!Thin margins · 3.3% net margin (TTM)
!Low debt · negative free cash flow
!2.1% dividend yield · Pays more than it earns
!Narrow moat 29/100
!Evidence only low, so the estimate is less certain
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What runs behind every stock
26
valuation models
8 families, DCF to NCAV
37
quality factors
margins, balance sheet, cashflow, debt
6
AI factors
moat, what no ratio measures
2,000+
data points
verified, per stock, median
69 individual criteria per stock, every one traceable See the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.
How to read this chart
57‑month range $0.1371 – $0.2702 · fair‑value band $0.0500 – $0.0700 · the $0.1893 price screens above the $0.0700 fair value. Dashed = 300-day average. As of Sep 24, 2026.
Company profile
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 (SLNFF) currently trades at $0.1893, while our model-based Fair Value estimate is $0.0700, 63.0% below the price, so the stock looks overvalued today.
Show more
Valuation
Bull case: the DCF Models group reads highest at a median of $0.1800 per share, and 2 of the 15 models we run sit above the $0.1893 price.
Bear case: the Earnings-Based group reads lowest at $0.0200, and 13 of the 15 models stay below the price. Evidence for this calculation is low.
Scenario range: $0.0500 (bear) to $0.0700 (bull), the price of $0.1893 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 43/100 (below-average quality), in the Consumer Cyclical sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
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 $16.1M · P/S ratio 1.31 · Dividend yield 2.1% · Net margin 2.6% · Return on equity 3.4% · Return on assets (EBIT) 4.3% · Operating margin 11.8% · Revenue (TTM) C$12.3M.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 28 out of 100 (low confidence).
What moves the price
The share trades about 8% below its 52-week high and 1% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Consumer Cyclical peers we cover trades at −12% fair-value upside, at −63%, SLNFF screens richer than that median.
Fair Value models
Bear $0.0500
Fair Value $0.0700
Bull $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.
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.
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.
Highest evidence
Owner Earnings
$0.1400
$0.1800
$0.2700
77
Residual Income
$0.0700
$0.0700
$0.0700
76
EPV
$0.1000
$0.1100
$0.1200
74
All 15 models by family
DCF Models
Owner Earnings
$0.1400
$0.1800
$0.2700
77
Earnings-Based
Graham-Dodd
$0.0200
$0.0200
$0.0200
67
EPV
$0.1000
$0.1100
$0.1200
74
Dividend Discount
Gordon GGM
$0.0300
$0.0300
$0.0300
69
DDM Multi-Stage
$0.0300
$0.0300
$0.0400
67
Multiples
P/E Multiple
$0.0400
$0.0500
$0.0600
63
P/S Multiple
$0.0300
$0.0400
$0.0500
58
P/B Multiple
$0.0300
$0.0400
$0.0500
55
EV/EBIT
$0.1500
$0.1900
$0.2400
66
EV/EBITDA
$0.1400
$0.1900
$0.2400
67
EV/Revenue
$0.1100
$0.1500
$0.1900
54
Asset-Based
NCAV (Graham)
$0.0500
$0.0700
$0.1000
54
Economic Profit
Residual Income
$0.0700
$0.0700
$0.0700
76
ROIC Compounder
$0.1000
$0.1100
$0.1300
72
Growth Earnings
Growth-Adj P/E
$0.0300
$0.0400
$0.0500
68
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Set up alert →Quality Score breakdown
Overall quality
43/100
Of which business quality 38 · Market factors (momentum, volatility) 49
Profitability
19
Margins and returns on capital today
Quality Growth
38
Are margins and returns improving?
Cashflow
0
Earnings quality: real cash, not paper profit
Fin. Strength
27
Balance sheet, leverage, solvency risk
Investment
87
Disciplined investing over empire-building
Low Volatility
100
Calm price path (market factor)
Momentum
34
Price trend over the last 3–12 months (market factor)
52W Momentum
17
Distance to the 52-week high (market factor)
Net Issuance
100
Share count: buybacks or dilution?
Revenue & earnings trend
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.
58/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+2.5%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+26.2%
Revenue growth 8 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+19.9%
’15
’16
’17
’18
’19
’20
’21
’22
’23
’24
’25
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.
−0.2%
Earnings growth per share plus dividend.
Earnings per share, growth per year−2.3%
Dividend (yield on the price)2.1%
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.10% → 12%
⚠ Revenue per share shrinking 14.4%/yr over ~8Y (margin trend unclear) ⓘStructural-decline marker: revenue PER SHARE has fallen over the last decade (robust median trend, not a single year). Backtested across 2005 to 2017, such businesses trailed the market by about 2.5 percentage points per year. Display only: it does not change the fair value or the quality score.
SLNFF screens overvalued: fair value 63% below the price. Compare with Carvana Co →
Compare Solution Financial Inc with another stock
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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 · 92 stocks
Beats the industry median on 5/12 measures
A mixed picture versus its industry peers.
Valuation Multiplesvs Auto & Truck Dealerships median · lower = cheaper
Context: sector, industry, market
- Is the Industrials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Undervalued stocks: Industrials
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
None of the checked exposures detected
Similar stocks
10 more Auto & Truck Dealerships stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Carvana Co CVNA | $63.62 | $25.27 | −60% |
| Penske Automotive Group PAG | $202.84 | $229.90 | +13% |
| D'Ieteren Group DIE | €162.50 | €105.40 | −35% |
| Hotai Motor Co 2207 | 510.00 TWD | 558.82 TWD | +10% |
| CarMax, Inc KMX | $56.55 | $29.62 | −48% |
| Lithia Motors, Inc LAD | $303.07 | $517.15 | +71% |
| Rush Enterprises, Inc RUSHB | $55.19 | $45.83 | −17% |
| AutoNation, Inc AN | $166.98 | $410.20 | +146% |
| AUTO1 Group AG1 | €18.35 | €4.53 | −75% |
| OPENLANE, Inc OPLN | $34.82 | $30.57 | −12% |
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Frequently asked questions
Is Solution Financial Inc (SLNFF) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of $0.0700 versus a price of $0.1893, about −63% upside (overvalued).
What is the fair value of SLNFF?
Our model-based fair value for Solution Financial Inc is $0.0700 (as of Sep 24, 2026), built from audited fundamentals. The current price: $0.1893.
What is the quality score of SLNFF?
Solution Financial Inc has a Quality Score of 43/100. 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 (SLNFF)?
Our model-based price target is the fair value of $0.0700 (as of Sep 24, 2026) from 15 valuation models. Cautious scenario $0.0500, optimistic scenario $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 $0.0700, about −63% upside versus a price of $0.1893 (overvalued). Cautious scenario $0.0500, optimistic scenario $0.0700. The calculation is refreshed regularly with new filings.
What is the revenue of Solution Financial Inc (SLNFF)?
Solution Financial Inc reported trailing-twelve-month revenue of about C$12.3M (latest available figure, as of Sep 24, 2026).
Does Solution Financial Inc pay a dividend?
Solution Financial Inc currently shows a dividend yield of about 2.11% relative to its recent price (as of Sep 24, 2026).
What is the intrinsic value of Solution Financial Inc (SLNFF)?
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 $0.0700 per share (as of Sep 24, 2026), against a price of $0.1893. It is the blended result of 15 valuation models (cash flow, earnings, asset, dividend).
Is Solution Financial Inc stock overvalued or undervalued in 2026?
As of Sep 24, 2026, SLNFF trades above its calculated fair value: price $0.1893, fair value $0.0700, a gap of about −63% (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 SLNFF?
No. The price is what the market pays today ($0.1893); the fair value is what the company's own numbers justify ($0.0700). For Solution Financial Inc the two are $0.1193 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 $16.1M (market capitalisation, as of Sep 24, 2026). Per share that is $0.1893; our models calculate a fair value of $0.0700 per share.
What do the bullish and bearish scenarios say about SLNFF?
Our models span a range for Solution Financial Inc: cautious scenario $0.0500, base $0.0700, optimistic $0.0700 per share (as of Sep 24, 2026, price $0.1893). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Solution Financial Inc (SLNFF)?
Balance-sheet figures for Solution Financial Inc (as of Sep 24, 2026): return on equity 3.4%, debt of 0.24 per unit of equity. They feed the Quality Score of 43/100, which measures business quality independently of the share price.
How far is SLNFF from its 52-week high?
Solution Financial Inc trades at $0.1893, about 8% below its 52-week high of $0.2055 and 1% above the low of $0.1872 (as of Oct 1, 2026). Distance from the high says nothing about value: that is what the fair value of $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, D'Ieteren Group, Hotai Motor Co, 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 24, 2026: price $0.1893, calculated fair value $0.0700 (−63%), Quality Score 43/100, from 15 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 SLNFF calculated?
We run Solution Financial Inc through 15 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 $0.0700, 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 14.5 % 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 (SLNFF)?
The closing price on Oct 1, 2026 was $0.1893. Our model-based fair value is $0.0700, about −63% 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 ($0.0700). The favourable scenario is already priced in. Weak quality (43/100) 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 (SLNFF)?
The market capitalisation of Solution Financial Inc is $16.1M. 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 (SLNFF)?
The price-to-sales ratio of Solution Financial Inc is 1.31 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What is the dividend yield of Solution Financial Inc (SLNFF)?
The dividend yield of Solution Financial Inc is 2.1%. 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 (SLNFF)?
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 (SLNFF)?
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 (SLNFF)?
On an EBIT basis the return on assets of Solution Financial Inc is 4.3% (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 (SLNFF)?
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 (SLNFF)?
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 (SLNFF)?
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 (SLNFF) 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 (SLNFF) carry?
The net debt of Solution Financial Inc is C$17.9M (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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