This week, I'm looking for the fourth consumer cyclical sector representative of five for my Ivy portfolio.

That cyclicals sector includes twenty-eight industries ranging from Advertising Agencies to Apparel, Autos, Broadcasting, Department Stores, Gambling, Leisure, Lodging, Packaging, Personal Services, Shoes, Restaurants, Rubber, Plastics, Textiles, and all such consumer aimed enterprises.

Today I'm reviewing a small-cap apparel store group, named Chico's FAS. Its trading ticker symbol is CHS.

Chico's FAS Inc is an apparel retailer with a portfolio of private-label brands that sell women's clothing and accessories. Brands include Chico's, White House/Black Market, and Soma Intimates. The brands generally target women over 35 years old with moderate to high-income levels.

It sells directly to the consumer through its retail stores, websites, and telephone call centers. The company sources most of its product from foreign manufacturers and distributes all products from its distribution center in Georgia.

As of February 2, 2019, it operated 1,418 stores in the United States and Canada; and 83 franchise locations in Mexico.

Chico's FAS, Inc. was founded in 1983 and is headquartered in Fort Myers, Florida.

I use three key data points to gauge the value of any dividend equity-like Chico's FAS Inc:

(1) Price

(2) Dividends

(3) Returns

Besides those three, several other keys will finally unlock an equity or fund in which to invest.

Those first three primary keys, however, best tell whether a company has made, is making, and will make money.

CHS Price

Chico's price per share closed at $4.34 yesterday. A year ago its price was $9.04. Chico's price fell $4.70 or 52% in the past year.

Assuming Chico's stock trades in the range of $2 to $8 this year, Chico's recent $4.34 price could rise by $0.66 and go to $5.00 by late-March, 2020.

CHS Dividends

Chico's most recent Quarterly dividend was $0.0875 declared in March and payable April 1st, next Monday.

That $0.0875 Q dividend equates to an annual payout of $0.35 for a yield of 8.06% at yesterday's $4.34 closing price.

Gains For CHS?

Adding the $0.35 annual estimated dividend to my $0.66 estimate of Chico's price upside shows a $1.01 potential gross annual gain, per share, which will be reduced by costs to trade those shares.

Say we put a little under $1,000.00 today at the $4.34 recent stock price would buy us 230 Chico's FAS Inc (CHS) shares.

A $10 broker fee paid half at purchase and half at sale costs $0.04 per share.

Subtract that $0.04 brokerage cost from the estimated $1.01 gross annual gain leaves a net gain of $0.97 X 230shares

= $223.10 or a 22.4% net gain on a $998.20 investment.

Therefore, Chico's FAS Inc whose trading ticker symbol is CHS now shows a possible net gain of 22.4% including an 8.06% dividend yield.

Nine brokers cover this stock:

One says "buy" CHS shares.

Seven say "hold" CHS shares.

One says CHS will "underperform" peers.

Therefore, you can look at Chico's FAS Inc and see it has made money, is making money, and could throw a net gain of 22.4% including an 8.06% dividend yield. It could be more, it could be less.

The above speculation is based on past year performance. The actual results remain to be seen to determine if Chico's FAS Inc is worth your time and money.