Stock FGL FINBOND GROUP LIMITED
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Financials Finbond Group Limited

Equities

FGL

ZAE000138095

Consumer Lending

End-of-day quote Johannesburg S.E.
Other stock markets
 06:00:00 2024-04-25 pm EDT 		5-day change 1st Jan Change
0.4 ZAR -6.98% Intraday chart for Finbond Group Limited -6.98% 0.00%
2023 Finbond Group Limited cancelled the acquisition of 49% stake in Trustco Finance Ltd. from Trustco Group Holdings Limited. CI
2023 Finbond Group Renews Cautionary Announcement Ahead of Share Repurchase MT

Valuation

Fiscal Period: February 2018 2019 2020 2021 2022 2023
Capitalization 1 2,483 4,748 2,581 1,065 461.2 222.4
Enterprise Value (EV) 1 2,737 4,596 2,735 1,404 1,987 2,122
P/E ratio 10.9 x 125 x 26.4 x -3.63 x -1.89 x -0.88 x
Yield 3.05% 0.3% - - - -
Capitalization / Revenue 1.09 x 1.82 x 0.99 x 0.57 x 0.29 x 0.11 x
EV / Revenue 1.2 x 1.76 x 1.05 x 0.75 x 1.25 x 1.09 x
EV / EBITDA 4.64 x 7.89 x 4.93 x 14.2 x 18.8 x 12.8 x
EV / FCF -33.8 x 117 x 6.85 x -49.6 x -5.81 x -9.4 x
FCF Yield -2.95% 0.85% 14.6% -2.02% -17.2% -10.6%
Price to Book 2.41 x 3.19 x 1.69 x 1.04 x 0.54 x 0.28 x
Nbr of stocks (in thousands) 764,023 923,727 924,976 859,125 854,125 794,125
Reference price 2 3.250 5.140 2.790 1.240 0.5400 0.2800
Announcement Date 6/8/18 6/28/19 6/3/20 5/28/21 5/27/22 5/26/23
1ZAR in Million2ZAR
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: February 2018 2019 2020 2021 2022 2023
Net sales 1 2,280 2,608 2,613 1,867 1,595 1,954
EBITDA 1 589.3 582.4 555.2 99.01 105.8 165.8
EBIT 1 554.9 544.2 514.1 54.07 68.22 128
Operating Margin 24.34% 20.87% 19.68% 2.9% 4.28% 6.55%
Earnings before Tax (EBT) 1 439.5 162.8 260 -313.4 -312.3 -350
Net income 1 234.2 36.91 97.64 -295.4 -244.1 -265
Net margin 10.27% 1.42% 3.74% -15.82% -15.31% -13.56%
EPS 2 0.2977 0.0410 0.1056 -0.3412 -0.2860 -0.3164
Free Cash Flow 1 -80.86 39.17 399.5 -28.31 -342.3 -225.6
FCF margin -3.55% 1.5% 15.29% -1.52% -21.46% -11.55%
FCF Conversion (EBITDA) - 6.73% 71.95% - - -
FCF Conversion (Net income) - 106.12% 409.1% - - -
Dividend per Share 2 0.0991 0.0155 - - - -
Announcement Date 6/8/18 6/28/19 6/3/20 5/28/21 5/27/22 5/26/23
1ZAR in Million2ZAR
Estimates

Balance Sheet Analysis

Fiscal Period: February 2018 2019 2020 2021 2022 2023
Net Debt 1 254 - 154 339 1,526 1,899
Net Cash position 1 - 152 - - - -
Leverage (Debt/EBITDA) 0.4306 x - 0.2778 x 3.419 x 14.41 x 11.46 x
Free Cash Flow 1 -80.9 39.2 399 -28.3 -342 -226
ROE (net income / shareholders' equity) 28.7% 11.4% 13.4% -17.5% -24.3% -31.3%
ROA (Net income/ Total Assets) 10.7% 10.4% 8.06% 0.75% 0.95% 1.67%
Assets 1 2,197 356.4 1,212 -39,529 -25,751 -15,870
Book Value Per Share 2 1.350 1.610 1.660 1.200 1.000 1.000
Cash Flow per Share 2 0.5600 0.5800 1.200 1.090 0.7400 1.040
Capex 1 53.7 89.6 50.2 33.1 43.8 25.6
Capex / Sales 2.36% 3.43% 1.92% 1.77% 2.75% 1.31%
Announcement Date 6/8/18 6/28/19 6/3/20 5/28/21 5/27/22 5/26/23
1ZAR in Million2ZAR
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

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