Financials Global International Credit Group Limited

Equities

1669

KYG3932P1046

Consumer Lending

Market Closed - Hong Kong S.E. 09:08:42 28/06/2024 BST 5-day change 1st Jan Change
0.55 HKD -.--% Intraday chart for Global International Credit Group Limited +1.85% +15.79%

Valuation

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Capitalization 1 352 256 176 212 200 190
Enterprise Value (EV) 1 638.1 408.2 93.3 173.6 196.4 144.3
P/E ratio 5.15 x 4.1 x 2.74 x 4.04 x 3.92 x 3.78 x
Yield 5.68% 7.34% 14.5% 10% 10.2% 10.5%
Capitalization / Revenue 2.9 x 2.43 x 1.74 x 2.47 x 2.31 x 2.24 x
EV / Revenue 5.26 x 3.87 x 0.92 x 2.02 x 2.27 x 1.7 x
EV / EBITDA - - - - - -
EV / FCF - - - - - -
FCF Yield - - - - - -
Price to Book 0.47 x 0.33 x 0.21 x 0.25 x 0.23 x 0.21 x
Nbr of stocks (in thousands) 400,000 400,000 400,000 400,000 400,000 400,000
Reference price 2 0.8800 0.6400 0.4400 0.5300 0.5000 0.4750
Announcement Date 15/04/19 28/04/20 23/04/21 27/04/22 27/04/23 29/04/24
1HKD in Million2HKD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net sales 1 121.3 105.4 101.1 85.96 86.44 84.84
EBITDA - - - - - -
EBIT - - - - - -
Operating Margin - - - - - -
Earnings before Tax (EBT) 1 87.63 74.72 76.59 62.91 61.08 60.16
Net income 1 68.41 62.5 64.16 52.52 50.96 50.3
Net margin 56.41% 59.32% 63.49% 61.09% 58.95% 59.29%
EPS 2 0.1710 0.1562 0.1604 0.1313 0.1274 0.1258
Free Cash Flow - - - - - -
FCF margin - - - - - -
FCF Conversion (EBITDA) - - - - - -
FCF Conversion (Net income) - - - - - -
Dividend per Share 2 0.0500 0.0470 0.0640 0.0530 0.0510 0.0500
Announcement Date 15/04/19 28/04/20 23/04/21 27/04/22 27/04/23 29/04/24
1HKD in Million2HKD
Estimates

Balance Sheet Analysis

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net Debt 1 286 152 - - - -
Net Cash position 1 - - 82.7 38.4 3.56 45.7
Leverage (Debt/EBITDA) - - - - - -
Free Cash Flow - - - - - -
ROE (net income / shareholders' equity) 9.48% 8.16% 7.88% 6.19% 5.86% 5.59%
ROA (Net income/ Total Assets) 7.18% 5.95% 6.78% 5.82% 5.51% 5.37%
Assets 1 952.2 1,050 947.1 902.2 924.7 937.4
Book Value Per Share 2 1.860 1.970 2.100 2.140 2.210 2.290
Cash Flow per Share 2 0.1500 0.0800 0.3300 0.2100 0.1300 0.1300
Capex 1 1.12 0.02 0.01 0.35 0.09 0.01
Capex / Sales 0.93% 0.02% 0.01% 0.41% 0.11% 0.01%
Announcement Date 15/04/19 28/04/20 23/04/21 27/04/22 27/04/23 29/04/24
1HKD in Million2HKD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

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