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Not financial advice. Analytical data for research only.
Intrinsiqq is a Netherlands-based company operating in Rotterdam, KvK 73238007.
Growth is the primary weakness (avg 50/100). Valuation is the relative bright spot.
Broad-market heuristics · Not a buy/sell signal
Valuation
Growth
Under 20x, reasonable relative to earnings
1.2x book, reasonable for a financial
Below 2%, essentially flat
Above 8% book-value compounding, strong
Business Quality & Capital Allocation
Shrinking >2%, active buybacks
10–15%, healthy ROE
10.2% equity/assets, comfortable cushion
Net margin compressed >2pp, profitability pressure
Hanmi Financial (HAFC) scores 64/100 on Intrinsiqq's quality score (a solid business), a weighted blend of 8 metrics each scored 0 to 100, on 32.2% operating margins and 5.6% ROIC. Every metric is computed from SEC filings; this is analysis, not investment advice.
SourceQuality score computed from the 10-Q filed 7 Aug 2026, covering the period ending 30 Jun 2026, as reported to the SEC. Data last refreshed 19 Sept 2026. How this is calculated.
Fiscal year ends Dec. Sector medians are approximate S&P 500 benchmarks and update periodically. Checks use broad-market heuristics, so sector norms may differ, and the valuation checks are more cyclical than the quality checks.
Hanmi Financial scores 64 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which rates it a solid business on these measures. Recent figures include a 32.2% operating margin and a 5.6% return on invested capital. Quality and price are separate questions: even a great business can be a poor investment if you overpay, so read this score alongside the valuation. The metric-by-metric breakdown is on this scorecard.
Intrinsiqq's quality score weighs profitability, returns on capital, revenue growth, and balance-sheet strength, using measures suited to banks, insurers and other financial companies (where free-cash-flow and operating-margin metrics do not apply), each computed from HAFC's SEC filings rather than opinion or sentiment. A higher score means a more durable, capital-efficient business; it is not a buy or sell signal. Open each metric on this page to see exactly where Hanmi Financial scores well and where it falls behind.
Hanmi Financial earns about 5.6% on its invested capital, which is modest. ROIC measures how much profit a company generates per dollar put to work; sustained ROIC above its cost of capital is one of the clearest signs of a real competitive moat. Compare it to HAFC's margins and growth on this scorecard to judge durability.
Hanmi Financial runs an operating margin of about 32.2% and a net margin of about 32.2%. Revenue has grown at roughly -1.9% a year recently. High, stable margins usually point to pricing power and operating discipline. Margins are most telling next to growth and returns on capital, all of which feed this quality score. This is analysis from SEC filings, not investment advice.