This company has been acquired

The company may no longer be operating, as it has been acquired. Find out why through their latest events.

Home Capital Group Balance Sheet Health

Financial Health criteria checks 4/6

Home Capital Group has total assets of CA$22.9B and total equity of CA$1.7B. Total deposits are CA$16.1B, and total loans are CA$21.0B earning a Net Interest Margin of 2%. It has insufficient allowance for bad loans, which are currently at 0.5% of total loans. Cash and short-term investments are CA$709.2M.

Key information

13.8x

Asset to equity ratio

2.0%

Net interest margin

Total deposits

CA$16.12b

Loan to deposit ratio

High

Bad loans

0.5%

Allowance for bad loans

Low

Current ratio

Low

Cash & equivalents

CA$709.19m

Recent financial health updates

No updates

Recent updates

Here's Why We Think Home Capital Group (TSE:HCG) Might Deserve Your Attention Today

Jul 15
Here's Why We Think Home Capital Group (TSE:HCG) Might Deserve Your Attention Today

Need To Know: Analysts Just Made A Substantial Cut To Their Home Capital Group Inc. (TSE:HCG) Estimates

May 07
Need To Know: Analysts Just Made A Substantial Cut To Their Home Capital Group Inc. (TSE:HCG) Estimates

Do Home Capital Group's (TSE:HCG) Earnings Warrant Your Attention?

Apr 07
Do Home Capital Group's (TSE:HCG) Earnings Warrant Your Attention?

With EPS Growth And More, Home Capital Group (TSE:HCG) Is Interesting

Dec 07
With EPS Growth And More, Home Capital Group (TSE:HCG) Is Interesting

With EPS Growth And More, Home Capital Group (TSE:HCG) Is Interesting

Sep 08
With EPS Growth And More, Home Capital Group (TSE:HCG) Is Interesting

The Compensation For Home Capital Group Inc.'s (TSE:HCG) CEO Looks Deserved And Here's Why

May 12
The Compensation For Home Capital Group Inc.'s (TSE:HCG) CEO Looks Deserved And Here's Why

With EPS Growth And More, Home Capital Group (TSE:HCG) Is Interesting

May 09
With EPS Growth And More, Home Capital Group (TSE:HCG) Is Interesting

Did Home Capital Group Inc. (TSE:HCG) Insiders Buy Up More Shares?

Mar 16
Did Home Capital Group Inc. (TSE:HCG) Insiders Buy Up More Shares?

Did You Miss Home Capital Group's (TSE:HCG) 96% Share Price Gain?

Feb 18
Did You Miss Home Capital Group's (TSE:HCG) 96% Share Price Gain?

With EPS Growth And More, Home Capital Group (TSE:HCG) Is Interesting

Jan 23
With EPS Growth And More, Home Capital Group (TSE:HCG) Is Interesting

What Type Of Shareholders Make Up Home Capital Group Inc.'s (TSE:HCG) Share Registry?

Dec 28
What Type Of Shareholders Make Up Home Capital Group Inc.'s (TSE:HCG) Share Registry?

Are Insiders Buying Home Capital Group Inc. (TSE:HCG) Stock?

Dec 05
Are Insiders Buying Home Capital Group Inc. (TSE:HCG) Stock?

Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet


Financial Institutions Analysis

Asset Level: HCG's Assets to Equity ratio (13.8x) is moderate.

Allowance for Bad Loans: HCG has a low allowance for bad loans (57%).

Low Risk Liabilities: 76% of HCG's liabilities are made up of primarily low risk sources of funding.

Loan Level: HCG has an appropriate level of Loans to Assets ratio (92%).

Low Risk Deposits: HCG's Loans to Deposits ratio (130%) is high.

Level of Bad Loans: HCG has an appropriate level of bad loans (0.5%).


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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2023/09/02 22:15
End of Day Share Price 2023/09/01 00:00
Earnings2023/06/30
Annual Earnings2022/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Home Capital Group Inc. is covered by 18 analysts. 2 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Atul ShahBMO Capital Markets Equity Research
Marco GiurleoCIBC Capital Markets
Adam SeanorClarus Securities Inc.