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Profile - MicroFinancial Inc. (NYSE:MFI)
As of 31-Aug-2001
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Recent Events
July 25Conference call: MicroFinancial Earnings (Q2 2001)
Location
950 Winter Street
Waltam, MA 02154
Phone: (781) 890-0177
Fax: (781) 672-6874
Email: info@leasecomm.com
Employees (last reported count): 317
Financial Links
 ·Top Institutional Holders
 ·Top Mutual Fund Holders
 ·Analyst Upgrade/Downgrade History
 ·Historical Quote Data
 ·Raw SEC Filings at sec.gov
Competitors:
 ·Sector: Services
 ·Industry: Rental & Leasing
Company Websites
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 ·Yahoo! Category

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Ownership
·Insider and 5%+ Owners: 49%
·Over the last 6 months:
 · 10 insider sells; 232.0K shares
  (3.5% of insider shares)
·Institutional: 25% (50% of float)
(62 institutions)
·Net Inst. Buying: 738.0K shares (+18.60%)
(prior quarter to latest quarter)
More From Market Guide
 ·Highlights
 ·Performance
 ·Ratio Comparisons
Business Summary
MicroFinancial Incorporated, which operates primarily through its wholly owned subsidiary, Leasecomm Corporation, is a specialized commercial finance company that leases and rents "microticket" equipment and provides other financing services in amounts generally ranging from $400 to $3,000, with an average amount financed of approximately $1,500 and an average lease term of 44 months. The Company provides financing to lessees that may have few other sources of credit, and primarily leases and rents low-priced commercial equipment used by these lessees in their daily operations. The Company has used proprietary software in developing a sophisticated, risk-adjusted pricing model and in automating its credit approval and collection systems, including a fully automated Internet-based application, credit scoring and approval process.
More from Market Guide: Expanded Business Description

Financial Summary
MicroFinancial, Inc. is a specialized commercial finance company that leases and rents microticket equipment and provides other financing services in amounts generally ranging from $400 to $3,000, with an average lease term of 44 months. For the six months ended 6/30/01, total revenues rose 22% to $72.6 million. Net income rose 5% to $10.6 million. Results reflect an increased number of leases originated, partially offset by increased depreciation and amortization costs.
More from Market Guide: Significant Developments

Officers[Insider Trade Data]
FY1999 Compensation
PayExer

Peter Bleyleben, Ph.D., 47
Pres, CEO
$767K--  
Richard Latour, 46
Exec. VP, COO, Chief Financial Officer, Treasurer, Clerk & Secre
561K$52K
John Miller
Sr. VP of Sales and Marketing
253K--  
J. Gregory Hines, 39
VP, Funding and Merchant Services
228K--  
John Plumlee, 48
VP, MIS
227K--  
Dollar amounts are as of 31-Dec-1999 and compensation values are for the fiscal year ending on that date; "Pay" is salary, bonuses, etc.; "Exer" is the value of options excercised during the fiscal year.
More from Market Guide on Officers & Directors:
Expanded List, Bios, Compensation, Options
Statistics at a Glance -- NYSE:MFIAs of 31-Aug-2001
Price and Volume
52-Week Low
on 25-Sep-2000
$8.625
Recent Price$13.42 
52-Week High
on 26-June-2001
$17.25 
Beta1.61 
Daily Volume (3-month avg)30.0K
Daily Volume (10-day avg)18.0K
Stock Performance
[one-year price graph]
big chart [1d | 5d | 3m | 6m | 1y | 2y | 5y]
52-Week Change+35.9%
52-Week Change
relative to S&P500
+82.3%
Share-Related Items
Market Capitalization$172.0M
Shares Outstanding12.8M
Float6.50M
Dividends & Splits
Annual Dividend (indicated)$0.20 
Dividend Yield1.49%
Last Splitnone 
Per-Share Data
Book Value (mrq)$8.28 
Earnings (ttm)$1.66 
Earnings (mrq)$0.40 
Sales (ttm)$10.92 
Cash (mrq)$1.51 
Valuation Ratios
Price/Book (mrq)1.62 
Price/Earnings (ttm)8.07 
Price/Sales (ttm)1.23 
Income Statements
Sales (ttm)$140.3M
EBITDA (ttm)$65.3M
Income available to common (ttm)$21.4M
Profitability
Profit Margin (ttm)15.2%
Operating Margin (ttm)26.3%
Fiscal Year
Fiscal Year EndsDec 31
Most recent quarter30-June-2001
Management Effectiveness
Return on Assets (ttm)6.22%
Return on Equity (ttm)22.23%
Financial Strength
Current RatioN/A 
Debt/Equity (mrq)2.01 
Total Cash (mrq)$19.3M
Short Interest
As of 8-Aug-2001
Shares Short44.0K
Percent of Float0.7%
Shares Short
(Prior Month)
78.0K
Short Ratio1.69 
Daily Volume26.0K
See Profile Help for a description of each item above;   K = thousands;   M = millions;   mrq = most-recent quarter;   ttm = trailing twelve months;   (as of 30-June-2001)

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