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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.
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.
Public disclosures for Solution Financial Inc (SFI.TO) are limited; available sources list it as a small-cap financial services company without a detailed operating description. Long-term growth may depend on client acquisition, distribution scale and market conditions, so it may appeal to investors seeking small-cap financial exposure willing to accept limited transparency and execution risk.
Material risks include limited disclosure and governance transparency, low liquidity, execution risk, sensitivity to interest-rate and credit cycles, and regulatory or compliance changes.
Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Income before tax | 0.16M | 0.24M | -0.37M | 1.11M | 1.15M |
| Net income | 0.27M | 0.36M | 0.04M | 0.84M | 0.91M |
| Selling general administrative | 2.47M | 2.40M | 2.89M | 3.00M | 2.91M |
| Gross profit | 3.90M | 3.76M | 3.92M | 4.96M | 4.57M |
| Reconciled depreciation | 0.36M | 0.79M | 2.30M | 4.14M | 5.17M |
| Ebit | - | - | - | 1.91M | 1.62M |
| Ebitda | - | - | - | 5.87M | 6.76M |
| Operating income | 0.12M | 0.21M | 0.04M | 1.29M | 1.18M |
| Interest expense | 1.20M | 1.04M | 0.90M | 0.63M | 0.44M |
| Tax provision | -0.11M | -0.11M | -0.41M | 0.27M | 0.24M |
| Net interest income | -1.20M | -1.04M | -0.90M | -0.63M | -0.44M |
| Income tax expense | - | - | - | 0.27M | 0.24M |
| Total revenue | 10.61M | 12.51M | 13.92M | 20.35M | 20.45M |
| Total operating expenses | 10.49M | 12.30M | 13.87M | 18.43M | 18.84M |
| Cost of revenue | 6.71M | 8.75M | 10.00M | 15.38M | 15.88M |
| Total other income expense net | 0.05M | 0.03M | -0.41M | -0.18M | -0.03M |
| Net income from continuing ops | 0.27M | 0.36M | 0.04M | 0.84M | 0.91M |
| Net income applicable to common shares | 0.27M | 0.36M | 0.04M | 0.84M | 0.91M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Total assets | 37.60M | 31.40M | 29.61M | 29.84M | 33.29M |
| Other current assets | 1.60M | 0.09M | 0.08M | 0.73M | 0.23M |
| Total liab | 25.33M | 18.65M | 16.81M | 16.34M | 19.86M |
| Total stockholder equity | 12.27M | 12.75M | 12.80M | 13.49M | 13.43M |
| Other current liab | 4.72M | 5.61M | 4.53M | 0.77M | 0.67M |
| Common stock | 9.19M | - | - | 9.51M | 9.71M |
| Capital stock | 9.19M | 9.35M | 9.38M | 9.51M | 9.71M |
| Retained earnings | 2.29M | 2.44M | 2.46M | 3.45M | 2.96M |
| Other liab | - | - | - | 3.65M | 5.75M |
| Other assets | - | - | - | 22.25M | 27.46M |
| Cash | 1.99M | 0.68M | 1.29M | 1.81M | 3.38M |
| Cash and equivalents | 1.99M | - | - | 1.81M | 3.38M |
| Total current liabilities | 14.66M | 9.89M | 8.38M | 9.67M | 10.90M |
| Net debt | 6.83M | 2.32M | 1.92M | 9.61M | 9.75M |
| Short term debt | 8.81M | - | - | 8.42M | 9.97M |
| Short long term debt | 8.81M | 3.01M | 3.21M | 8.42M | 9.97M |
| Short long term debt total | - | - | - | - | 3.21M |
| Other stockholder equity | - | - | - | 0.36M | 0.24M |
| Property plant equipment | 0.46M | - | - | 0.33M | 0.32M |
| Total current assets | 14.53M | 11.74M | 11.96M | 7.21M | 5.47M |
| Net tangible assets | - | - | - | 13.45M | 13.40M |
| Net receivables | 0.31M | 0.27M | 0.53M | 4.20M | 1.43M |
| Long term debt | 7.89M | - | - | 3.00M | 3.16M |
| Inventory | 0.55M | 0.44M | 0.49M | 0.47M | 0.43M |
| Accounts payable | - | - | - | 0.44M | 0.22M |
| Non current assets total | 23.07M | 19.66M | 17.65M | 22.63M | 27.82M |
| Capital lease obligations | 0.01M | 0.08M | 0.01M | 0.07M | 0.08M |
| Long term debt total | 7.91M | - | - | 3.01M | 3.21M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Investments | - | 2.55M | 5.38M | 10.37M | -7.70M |
| Change to liabilities | - | - | - | -1.82M | 0.47M |
| Total cashflows from investing activities | 0.68M | 2.55M | 5.38M | 10.37M | -7.70M |
| Net borrowings | 6.32M | 1.78M | 1.55M | -1.67M | 0.35M |
| Total cash from financing activities | 5.56M | 1.37M | 0.81M | -2.64M | 2.31M |
| Change to operating activities | - | - | - | -13.05M | -0.68M |
| Net income | 0.27M | 0.36M | 0.04M | 0.84M | 0.91M |
| Change in cash | 1.40M | -0.37M | 0.75M | -1.57M | 0.85M |
| Begin period cash flow | 2.19M | 2.56M | 1.81M | 3.38M | 2.53M |
| End period cash flow | 3.59M | 2.19M | 2.56M | 1.81M | 3.38M |
| Total cash from operating activities | -4.85M | -4.29M | -5.43M | -9.31M | 6.25M |
| Issuance of capital stock | - | - | - | 0.00M | 1.82M |
| Depreciation | 0.36M | 0.79M | 2.30M | 0.08M | 0.06M |
| Other cashflows from investing activities | 0.73M | 2.62M | 5.52M | -0.01M | -0.61M |
| Dividends paid | -0.34M | 0.35M | 0.35M | -0.36M | -0.33M |
| Change to inventory | -0.10M | 0.05M | -0.02M | -0.05M | 0.13M |
| Change to account receivables | -0.03M | 0.13M | -0.38M | 0.27M | -0.11M |
| Sale purchase of stock | -0.41M | -0.06M | -0.39M | -0.61M | 0.46M |
| Other cashflows from financing activities | 0.57M | 2.09M | 9.94M | 0.00M | 1.82M |
| Change to netincome | - | - | - | 0.36M | 0.37M |
| Capital expenditures | 0.04M | 0.07M | 0.14M | 0.05M | 7.09M |
| Change in working capital | -5.54M | -5.62M | -7.58M | -14.38M | 0.04M |
| Stock based compensation | 0.00M | 0.00M | 0.01M | 0.00M | 0.07M |
| Other non cash items | 0.00M | 0.06M | 0.13M | 0.10M | 0.05M |
| Free cash flow | -4.89M | -4.37M | -5.57M | -9.36M | -0.85M |
Sector: Consumer Cyclical Industry: Auto & Truck Dealerships
|
Stock Name
|
Change
(CAD) |
Price
(CAD) |
Trailing
PE (x) |
Forward
PE (x) |
Price Sales
TTM (x) |
Price to Book Value (x)
|
Enterprise Value
to Revenue (x) |
Enterprise Value
to EBITDA (x) |
|---|---|---|---|---|---|---|---|---|
| SFI Solution Financial Inc |
- -% |
0.27 | - | - | 2.09 | 1.92 | 2.51 | 16.32 |
| BYD Boyd Group Services Inc. |
-0.39 0.32% |
123.13 | 147.63 | 30.96 | 1.46 | 1.98 | 1.25 | 11.44 |
| ACQ Autocanada Inc |
-0.42 1.44% |
28.72 | 25.59 | 10.57 | 0.10 | 1.14 | 0.47 | 15.26 |
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.
| Name | Title | Year Born |
|---|---|---|
| Mr. Bryan Pang | CEO, Pres & Director | NA |
| Mr. Sean P. Hodgins (Illinois), C.A., CPA, CA, CPA | CFO, Corp. Sec. & Non-Independent Director | NA |
| Mr. Vincent Lau | VP of Operations & Director | NA |
| Ms. Winnie Louie | HR & Communication Mang. | NA |
| Mr. Michael Chan | Director of Sales | NA |
| Mr. Cary Lau | Director of Marketing | NA |
| Mr. Johnny Lau | Financial Controller | NA |
| Mr. Bryan Pang | CEO, President & Director | NA |
| Mr. Sean P. Hodgins (Illinois), C.A., CPA, CA, CPA | CFO, Corporate Secretary & Non-Independent Director | NA |
| Ms. Winnie Louie | HR & Communication Manager | NA |
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