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Company Analysis

WhiteHorse Finance, Inc. WHF

A comprehensive view of key metrics, scores, and financial health for WhiteHorse Finance, Inc.

Overview of WhiteHorse Finance, Inc.

WHF NMS
Financial Services Asset Management Micro Cap
WhiteHorse Finance, Inc. (WHF), is a Micro Cap company, in the Asset Management industry, last closed at $7.07, about 67.0% undervalued vs fair value, -30.4% 1Y return, ranked 834/1004 in sector.
$7.07
0.00%
As of March 13, 2026
Previous close • Vol 90d: 32.3%
52-Week Range
Market Cap
$165.00M
Enterprise Value
$478.99M
Overall Score
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Top Beats
No strong beats yet

Quick Facts

Website https://www.whitehorsefinance....
HQ Miami, FL
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$7
$12
$22
Current: $7.07 +67% vs base

Engine Room Money Flow™

Micro Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$76.3M
-13.2%%
Interest Expense
$27.9M
Net Interest Income
$48.4M
-16.6%%
Total Revenue
$17.1M
-33.4%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
3.8%
Poor

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$41.7M
384.7% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
0/1
Improving
0
High Impact
1
Critical
Moat Analysis Corporate Default

Competitive Advantage Assessment

Evaluating WhiteHorse Finance, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
58
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Pricing Power

Moderate
71
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Generic Industrial / Default vs Industry Peers 93% Coverage
Trade-Off Triangle Visualization A ternary plot showing WHF's balance between Growth (17.6%), Profitability (43.1%), and Safety (39.4%). Growth 18% Safety 39% Profitability 43%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

19th percentile vs peers
19
Key Signals
Rev Growth YoY -33.4% 25p Revenue CAGR 3Y -21.5% 17p EPS Growth YoY -46.8% 21p EPS CAGR 3Y -31.0% 12p TSR -49.6% 10p
Strengths
  • Fcf Margin in top 20% of peers (4.61, 92th percentile)
  • Consistently strong margins across 3 metrics
  • Conservative leverage compared to industry peers
Risks
  • Growth in bottom 20% of peers (percentile: 19)

Profitability

47th percentile vs peers
47
Key Signals
Strengths
Risks
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Safety

43th percentile vs peers
43
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for WhiteHorse Finance, Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
  • Companies that haven't filed recent financials
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Bear
-
- - -
- upside
-
Base
$11.81
- - -
+67.0% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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