Stock GHL GUARDIAN HOLDINGS LIMITED
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Financials Guardian Holdings Limited

Equities

GHL

TTP501551035

Life & Health Insurance

End-of-day quote Trinidad and Tobago S.E.
Other stock markets
 23:00:00 29/04/2024 BST 		5-day change 1st Jan Change
18.05 TTD -.--% Intraday chart for Guardian Holdings Limited -2.43% -4.65%
04-02 Guardian Holdings Limited Announces Final Dividend for the Year Ended December 31, 2023, Payable on May 1, 2024 CI
03-25 Guardian Holdings Limited Announces Execution of Loan Agreement CI

Valuation

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Capitalization 1 4,197 5,023 4,849 6,961 6,262 4,392
Enterprise Value (EV) 1 4,227 5,154 4,509 6,794 6,057 4,804
P/E ratio 7.86 x 7.27 x 6.26 x 8.9 x 5.69 x 6.31 x
Yield 3.92% 3.46% - 2.33% 2.67% 3.96%
Capitalization / Revenue 0.75 x 0.81 x 0.82 x 1.05 x 0.93 x 0.67 x
EV / Revenue 0.75 x 0.83 x 0.76 x 1.03 x 0.9 x 0.73 x
EV / EBITDA 4.74 x 4.93 x 3.68 x 6.1 x 4.2 x 4.49 x
EV / FCF -680 x 6.1 x 7.62 x 7.14 x 7.06 x 7.17 x
FCF Yield -0.15% 16.4% 13.1% 14% 14.2% 13.9%
Price to Book 1.24 x 1.27 x 1.04 x 1.4 x 1.13 x 1.14 x
Nbr of stocks (in thousands) 231,900 232,021 232,021 232,021 232,021 232,021
Reference price 2 18.10 21.65 20.90 30.00 26.99 18.93
Announcement Date 27/03/19 23/03/20 25/03/21 24/03/22 15/03/23 02/04/24
1TTD in Million2TTD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net sales 1 5,623 6,219 5,928 6,622 6,766 6,605
EBITDA 1 891.2 1,046 1,226 1,113 1,443 1,071
EBIT 1 821.5 972.1 1,152 1,029 1,350 993.6
Operating Margin 14.61% 15.63% 19.44% 15.54% 19.95% 15.04%
Earnings before Tax (EBT) 1 699.8 846 1,024 1,001 1,248 922.4
Net income 1 533.9 692.3 774.5 782.3 1,100 695.8
Net margin 9.49% 11.13% 13.06% 11.81% 16.26% 10.54%
EPS 2 2.304 2.980 3.338 3.372 4.743 2.999
Free Cash Flow 1 -6.213 845.5 591.5 951.5 857.6 669.7
FCF margin -0.11% 13.6% 9.98% 14.37% 12.68% 10.14%
FCF Conversion (EBITDA) - 80.83% 48.26% 85.49% 59.45% 62.56%
FCF Conversion (Net income) - 122.13% 76.37% 121.63% 77.94% 96.25%
Dividend per Share 2 0.7100 0.7500 - 0.7000 0.7200 0.7500
Announcement Date 27/03/19 23/03/20 25/03/21 24/03/22 15/03/23 02/04/24
1TTD in Million2TTD
Estimates

Balance Sheet Analysis

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net Debt 1 29.2 131 - - - 412
Net Cash position 1 - - 340 167 205 -
Leverage (Debt/EBITDA) 0.0327 x 0.1249 x - - - 0.3846 x
Free Cash Flow 1 -6.21 845 591 952 858 670
ROE (net income / shareholders' equity) 15.9% 18.8% 18.1% 16.3% 20.9% 20.6%
ROA (Net income/ Total Assets) 1.86% 2.09% 2.28% 1.9% 2.43% 1.81%
Assets 1 28,700 33,098 33,926 41,119 45,265 38,401
Book Value Per Share 2 14.70 17.00 20.10 21.40 24.00 16.60
Cash Flow per Share 2 9.910 10.80 16.00 16.30 15.40 12.60
Capex 1 75.6 142 52.6 57.8 63.7 48.4
Capex / Sales 1.34% 2.28% 0.89% 0.87% 0.94% 0.73%
Announcement Date 27/03/19 23/03/20 25/03/21 24/03/22 15/03/23 02/04/24
1TTD in Million2TTD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

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