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Data-driven stock valuation

M Split Corp (XMF-A) fair value: what the stock is really worth

We calculate from audited financials what M Split Corp is really worth. The fair value tells you whether the price is too high or too low, the quality score (0 to 100) how solid the business behind it is. 26 models, 37 quality factors, updated daily, free.

  1. Compare price with fair valuebelow fair value = cheap, above = expensive
  2. Check the quality50 and up solid, 75 and up strong
  3. Watch it or check another stockalert when fair value or trend changes

Financial Services · CA · Market cap C$1.9M (≈ $1.4M)

At a glance

MS M Split Corp XMF-A · TO
PriceC$1.01
Fair ValueC$2.02
Upside+100.0%
Quality64/100

A solid business, trading 50% below our fair value of C$2.02.

As of Sep 7, 2026, the fair value of M Split Corp is C$2.02 per share against a price of C$1.01, so the fair value sits 100% above the price. A model estimate from reported figures, not an analyst target.

!Mixed Growth (revenue 3y +50.1 %/yr)
Highly profitable · 41.5% net margin
generates free cash flow
Ranks above peers (10/12)
Wide moat 87/100
!Evidence only low, so the estimate is less certain
!The models disagree: range C$1.52 to C$6.67
Evidence: Low Range C$1.52 to C$6.67

Fair value as of: Sep 7, 2026

From 12 valuation models · updated today

Fair value updated Sep 7, 2026, revised from C$3.54 to C$2.02 (−42.9%) since Aug 13, 2026. Share price −43.6% over the past month.

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What runs behind every stock

69 individual criteria per stock, every one traceable See the method →

What matters now

  • The price is below even our cautious bear case (C$1.52). The market is more pessimistic than our downside scenario.
  • The model range is unusually wide (C$1.52 to C$6.67). The outcome hinges heavily on assumptions, so read the point estimate with caution.
  • The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution.
  • Solid quality (64/100) at a price below fair value, the discount is the argument here, not the business quality.

Price vs Fair Value (5 years)

C$2.11 C$0.1400 Fair Value C$2.02 May 2021 Sep 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 7, 2026.

How to read this chart

60‑month range C$0.1400 – C$2.11 · fair‑value band C$1.52 – C$6.67 · the C$1.01 price screens below the C$2.02 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 7, 2026.

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Analysis

M Split Corp (XMF-A) currently trades at C$1.01, while our model-based Fair Value estimate is C$2.02, implying the stock looks roughly 50.0% undervalued today. The Quality Score stands at 64/100 (solid quality), in the Financial Services sector. Bull case: the Earnings-Based group reads highest at a median of C$11.22 per share, and 10 of the 12 models we run sit above the C$1.01 price. Bear case: the Asset-Based group reads lowest at C$0.3700, and 2 of the 12 models stay below the price. Evidence for this calculation is low.

Revenue declined 63.9% year over year. It earns a return on equity of 83.0%. Net debt stands at C$12.6M. The stock trades on a trailing P/E of 11.1 (as of Jul 18, 2026). Fundamentals as of Sep 7, 2026

Scenario range: C$1.52 (bear) to C$6.67 (bull), the price of C$1.01 sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target. The share trades about 44% below its 52-week high and 124% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at 100%, XMF-A screens cheaper than that median.

Fair Value models

Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then (C$0.3836 per share) are deliberately not added.

Each model values the company its own way; the fair value above is the evidence-weighted blend. Evidence (0 to 100) shows how complete a model's inputs are. How we calculate →

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. Evidence
Highest evidence
Growth DCF best evidence C$2.79 C$4.25 C$6.54 72
Gordon GGM C$4.06 C$6.80 C$8.83 66
DDM Multi-Stage C$4.06 C$6.45 C$7.32 65
All 12 models by family
DCF Models
5Y P/E Exit C$3.33 C$6.81 C$11.53 63
10Y P/E Exit C$3.18 C$6.31 C$11.38 57
Earnings-Based
Graham-Dodd C$2.18 C$15.21 C$21.34 61
Lynch FV C$7.86 C$11.22 C$14.59 59
Dividend Discount
Gordon GGM C$4.06 C$6.80 C$8.83 66
DDM Multi-Stage C$4.06 C$6.45 C$7.32 65
Multiples
P/E Multiple C$3.13 C$4.17 C$5.21 63
P/B Multiple C$0.5700 C$0.7700 C$0.9600 55
Asset-Based
NCAV (Graham) C$0.2700 C$0.3700 C$0.5500 51
Growth DCF
Growth DCF best evidence C$2.79 C$4.25 C$6.54 72
Rev-Margin DCF C$4.87 C$8.81 C$17.02 64
Economic Profit
Residual Income C$1.51 C$1.83 C$7.28 61

Widest divergence: Earnings-Based (C$11.22) versus Asset-Based (C$0.3700). Highest evidence: Growth DCF (72).

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Key figures & financial health

P/E ratio 11.1 as of Jul 18, 2026
P/S ratio 1.11 P/E × margin
EPS (TTM) C$0.1900 price ÷ EPS = P/E 11.1
Net margin 10.0% FY2025
Return on equity 83.0% TTM
Return on assets (EBIT) 7.3% avg 5y
More key figures
Profitability
Operating margin 94.5% TTM
Growth
Revenue growth (YoY) −63.9% 3y avg +50.1%
EPS growth (YoY) +142%
Balance sheet & cash flow
Free cash flow C$289K FY2025
Net debt C$12.6M FY2025 · ≈ 43.6 yrs of FCF

Figures from reported company fundamentals · as of Sep 7, 2026. TTM = trailing twelve months.

Quality Score breakdown

Overall quality 64/100

Of which business quality 55 · Market factors (momentum, volatility) 55

Profitability 50
Margins and returns on capital today
Quality Growth 74
Are margins and returns improving?
Cashflow 46
Earnings quality: real cash, not paper profit
Fin. Strength 13
Balance sheet, leverage, solvency risk
Investment 100
Disciplined investing over empire-building
Low Volatility 50
Calm price path (market factor)
Momentum 52
Price trend over the last 3–12 months (market factor)
52W Momentum 67
Distance to the 52-week high (market factor)
Net Issuance 82
Buybacks instead of dilution

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.

All values are scores from 0 to 100 (100 = best against fixed, research-based bands), not percentages. The three market factors (momentum, 52-week proximity, low volatility) are displayed but carry zero weight in the headline number: market sentiment is not a business property.

About the company

M Split Corp. is a close-ended equity mutual fund launched and managed by Quadravest Capital Management Inc. It invests in the public equity markets of Canada. The fund invests in the stocks of companies engaged in the financial sector. It invests its entire corpus in the stock of Manulife Financial Corp.

Full company description

M Split Corp. is a close-ended equity mutual fund launched and managed by Quadravest Capital Management Inc. It invests in the public equity markets of Canada. The fund invests in the stocks of companies engaged in the financial sector. It invests its entire corpus in the stock of Manulife Financial Corp. The fund benchmarks the performance of its portfolio against the S&P TSX Financial index. M Split Corp. was formed on February 12, 2007 and is domiciled in Canada.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

M Split Corp reported revenue of C$4.3M in FY2025 versus C$810K in FY2021, a compound +52.1%/yr. Reported net income was C$431K in FY2025, compounding −7.9%/yr from FY2021.

Growth Quality 85/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Latest Revenue (FY 2025)
C$4.3M
Latest YoY
+154.8%
Avg. revenue growth/yr (3Y) 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.
+50.1%
Avg. revenue growth/yr (17Y) 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.
+4.9%
Value creation/yr (5Y) Earnings growth per share (CAGR 5 years, EBIT basis) plus dividend yield: value created per share and year.
+6.3%
Earnings growth per share plus dividend yield: the value created per share and year.
Earnings growth per share+6.3%
Dividend yield0.0%
Trend Two data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.5Y −28.5% vs 10Y −8.7%, flattening
Operating margin (EBIT) 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.95.2% (2019) → 26.7% (2025) · falling
Worst earnings drop209% (2018) (loss year, drop beyond 100%) · in CAD
Revenue +52.1%/yr
FY21 C$810K
FY22 C$1.3M
FY23 C$1.9M
FY24 C$1.7M
FY25 C$4.3M
Net income −7.9%/yr
FY21 C$598K
FY22 C$1.1M
FY23 C$1.6M
FY24 C$304K
FY25 C$431K

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Cite: Fair Value Calculator (2026). "M Split Corp Fair Value". https://www.fairvalue-calculator.com/stock/XMF-A

Peer Group

Asset Management · 696 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
Quality Score 65 · Above median
Fair Value upside +200% · Top 25%
Profitability
Return on equity (TTM) 83% · Top 25%
Return on assets 12% · Top 25%
Net margin (TTM) 41% · Above median
Operating margin (TTM) 87% · Top 25%
Growth and dividend
Revenue growth −64% · Bottom 25%

Valuation Multiples vs Asset Management median · lower = cheaper

P/E (TTM) 11.1× · Cheaper than median
P/B 1.86× · Priciest 25%
P/S (TTM) 0.49× · Cheapest 25%
P/FCF 4.7× · Cheaper than median
EV/EBITDA 0.7× · Cheapest 25%

What the price implies (reverse DCF)

The inverse question: what free-cash-flow growth must M Split Corp deliver for ten years so that today's price is fair in our DCF model? Same formula, same discount rate as the fair value.

Implied FCF growth, 10 years+18.3 % per year
Achieved revenue growth, 6 years+0.5 % p.a.
Sector median revenue growth+8.1 %
FCF yield on price12.57 %
Discount rate (WACC) in the models11.0 %

The price demands an acceleration versus past growth: a high bar the company still has to clear. Ranking of the largest stocks →

Context: sector, industry, market

Strength profile in five axes (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.

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE100 · sector 40
FUTURE0 · sector 14
PAST100 · sector 24
HEALTH0 · sector 95
DIVIDEND0 · sector 81

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 Asset Management stocks, each showing price versus our Fair Value estimate (as of Sep 7, 2026).

Stock Price Fair Value vs Fair Value
Blackstone Inc BX $142.39 $52.88 −63%
Investor AB INVEB kr 408.05 kr 827.56 +103%
Brookfield Corporation BN C$55.74 C$10.67 −81%
KKR & Co KKR $108.68 $19.97 −82%
Apollo Global Management, Inc APO $135.04 $101.04 −25%
State Street Corporation STT $193.33 $138.33 −28%
Ameriprise Financial, Inc AMP $559.32 $515.24 −8%
Ares Management Corporation ARES $143.10 $30.88 −78%
Northern Trust Corporation NTRS $186.79 $122.02 −35%
Raymond James Financial, Inc RJF $181.10 $142.42 −21%

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Frequently asked questions

Is M Split Corp (XMF-A) overvalued or undervalued?
As of Sep 7, 2026, our model estimates a fair value of C$2.02 versus a price of C$1.01, about +100% upside (undervalued).
What is the fair value of XMF-A?
Our model-based fair value for M Split Corp is C$2.02 (as of Sep 7, 2026), built from audited fundamentals. The current price: C$1.01.
What is the quality score of XMF-A?
M Split Corp has a Quality Score of 64/100. 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 M Split Corp (XMF-A)?
Our model-based price target is the fair value of C$2.02 (as of Sep 7, 2026) from 12 valuation models. Cautious scenario C$1.52, optimistic scenario C$6.67. It is a calculation from audited fundamentals, not an analyst target.
What is the M Split Corp stock forecast for 2026?
Our models put fair value at C$2.02, about +100% upside versus a price of C$1.01 (undervalued). Cautious scenario C$1.52, optimistic scenario C$6.67. The calculation is refreshed regularly with new filings.
What is the net profit margin of XMF-A?
The net profit margin of M Split Corp is about 30.6%, meaning it keeps roughly 30.6% of revenue as net income. Based on the latest reported figures.
What growth is priced into M Split Corp (XMF-A)?
For today's price to be fair in a discounted-cash-flow model, M Split Corp would have to grow free cash flow by +18.3 % per year for ten years (discount rate 11.0 %, then 2 % perpetual growth). Over the last 6 years revenue grew +0.5 % per year. As of Sep 7, 2026.
What discount rate (WACC) does the fair value of XMF-A use?
Our models discount M Split Corp at 11.0 %: a base by market capitalisation (micro), damped by beta 0.44, country premium for Canada. The same rate applies in all 26 models.
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