Financials Bangladesh Finance Limited

Equities

BDFINANCE

BD0142BDFIN2

Consumer Lending

End-of-day quote Dhaka S.E. 06:00:00 2024-04-24 pm EDT 5-day change 1st Jan Change
19.8 BDT -2.94% Intraday chart for Bangladesh Finance Limited -8.76% -55.10%

Valuation

Fiscal Period: December 2017 2018 2019 2020 2021 2022
Capitalization 1 2,991 2,482 1,675 4,875 9,660 8,301
Enterprise Value (EV) 1 5,908 5,098 4,207 6,958 10,965 9,794
P/E ratio 10.7 x 8.81 x 8.91 x 16.2 x 37.8 x 35.2 x
Yield - - 10% 2.06% 1.1% 2.27%
Capitalization / Revenue 4.34 x 4.59 x 3.79 x 7.16 x 8.96 x 9.82 x
EV / Revenue 8.58 x 9.44 x 9.53 x 10.2 x 10.2 x 11.6 x
EV / EBITDA - - - - - -
EV / FCF - - - - - -
FCF Yield - - - - - -
Price to Book 1.32 x 0.97 x 0.61 x 1.63 x 3.07 x 2.53 x
Nbr of stocks (in thousands) 188,236 188,236 188,236 188,236 188,236 188,236
Reference price 2 15.89 13.19 8.900 25.90 51.32 44.10
Announcement Date 5/21/18 5/17/19 9/2/20 3/11/21 3/31/22 4/10/23
1BDT in Million2BDT
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2017 2018 2019 2020 2021 2022
Net sales 1 688.9 540.3 441.6 681 1,078 845.5
EBITDA - - - - - -
EBIT - - - - - -
Operating Margin - - - - - -
Earnings before Tax (EBT) 1 358.5 417 406.6 451.1 523.4 313.4
Net income 1 278.9 281.9 188.1 300.9 255.8 236
Net margin 40.49% 52.17% 42.6% 44.19% 23.73% 27.91%
EPS 2 1.482 1.497 0.9994 1.599 1.359 1.254
Free Cash Flow - - - - - -
FCF margin - - - - - -
FCF Conversion (EBITDA) - - - - - -
FCF Conversion (Net income) - - - - - -
Dividend per Share - - 0.8900 0.5340 0.5660 1.000
Announcement Date 5/21/18 5/17/19 9/2/20 3/11/21 3/31/22 4/10/23
1BDT in Million2BDT
Estimates

Balance Sheet Analysis

Fiscal Period: December 2017 2018 2019 2020 2021 2022
Net Debt 1 2,918 2,615 2,532 2,083 1,305 1,493
Net Cash position 1 - - - - - -
Leverage (Debt/EBITDA) - - - - - -
Free Cash Flow - - - - - -
ROE (net income / shareholders' equity) 11.5% 9.71% 6.07% 9.35% 9.06% 8.2%
ROA (Net income/ Total Assets) 1.61% 1.48% 1.06% 1.84% 1.82% 1.62%
Assets 1 17,337 19,013 17,706 16,331 14,021 14,563
Book Value Per Share 2 12.10 13.60 14.60 15.90 16.70 17.40
Cash Flow per Share 2 6.120 4.650 4.350 5.330 8.290 8.990
Capex 1 22.3 9.9 57.9 157 34 86.8
Capex / Sales 3.23% 1.83% 13.11% 23.06% 3.15% 10.27%
Announcement Date 5/21/18 5/17/19 9/2/20 3/11/21 3/31/22 4/10/23
1BDT in Million2BDT
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

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