Stock LTBNG LIVINGTRUST MORTGAGE BANK PLC
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Financials Livingtrust Mortgage Bank PLC

Equities

LTBNG

NGOMOMORBNK6

Banks

End-of-day quote Nigerian S.E.
Other stock markets
 23:00:00 30/05/2024 BST 		5-day change 1st Jan Change
3.24 NGN -.--% Intraday chart for Livingtrust Mortgage Bank PLC -0.92% +8.72%
04-26 Livingtrust Mortgage Bank PLC Reports Earnings Results for the First Quarter Ended March 31, 2024 CI
01-23 Livingtrust Mortgage Bank PLC Reports Earnings Results for the Full Year Ended December 31, 2023 CI

Valuation

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Capitalization 1 2,900 2,750 3,000 5,200 8,000 14,900
Enterprise Value (EV) 1 2,303 1,946 2,225 4,629 9,836 14,414
P/E ratio 36.5 x 44 x 22.7 x 10.3 x 9.74 x 26.2 x
Yield 1.72% - 1.67% 5.77% 0.75% 1.01%
Capitalization / Revenue 5.88 x 5.93 x 5.38 x 3.59 x 4.1 x 8.2 x
EV / Revenue 4.67 x 4.2 x 3.99 x 3.19 x 5.05 x 7.93 x
EV / EBITDA - - - - - -
EV / FCF - - - - - -
FCF Yield - - - - - -
Price to Book 1.12 x 1.04 x 1.08 x 1.61 x 2.14 x 3.5 x
Nbr of stocks (in thousands) 5,000,000 5,000,000 5,000,000 5,000,000 5,000,000 5,000,000
Reference price 2 0.5800 0.5500 0.6000 1.040 1.600 2.980
Announcement Date 20/05/19 31/03/20 29/03/21 30/03/22 29/03/23 02/04/24
1NGN in Million2NGN
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net sales 1 493.6 463.9 557.8 1,450 1,950 1,817
EBITDA - - - - - -
EBIT - - - - - -
Operating Margin - - - - - -
Earnings before Tax (EBT) 1 95.93 57.32 151.4 768.2 1,006 665.7
Net income 1 79.53 62.53 132.4 507 821.7 568.3
Net margin 16.11% 13.48% 23.73% 34.97% 42.15% 31.28%
EPS 2 0.0159 0.0125 0.0265 0.1014 0.1643 0.1137
Free Cash Flow - - - - - -
FCF margin - - - - - -
FCF Conversion (EBITDA) - - - - - -
FCF Conversion (Net income) - - - - - -
Dividend per Share 2 0.0100 - 0.0100 0.0600 0.0120 0.0300
Announcement Date 20/05/19 31/03/20 29/03/21 30/03/22 29/03/23 02/04/24
1NGN in Million2NGN
Estimates

Balance Sheet Analysis

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net Debt 1 - - - - 1,836 -
Net Cash position 1 597 804 775 571 - 486
Leverage (Debt/EBITDA) - - - - - -
Free Cash Flow - - - - - -
ROE (net income / shareholders' equity) 3.06% 2.39% 4.88% 16.9% 23.6% 14.2%
ROA (Net income/ Total Assets) 1.9% 1.42% 2.43% 5.73% 6.78% 3.7%
Assets 1 4,191 4,410 5,446 8,842 12,128 15,355
Book Value Per Share 2 0.5200 0.5300 0.5600 0.6400 0.7500 0.8500
Cash Flow per Share 2 0.1800 0.2700 0.2800 0.5600 0.2000 0.7100
Capex 1 58.3 22.7 90 77.2 195 82.8
Capex / Sales 11.82% 4.88% 16.13% 5.32% 9.99% 4.56%
Announcement Date 20/05/19 31/03/20 29/03/21 30/03/22 29/03/23 02/04/24
1NGN in Million2NGN
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

Sector Retail & Mortgage Banks

1st Jan change Capi.
LIVINGTRUST MORTGAGE BANK PLC Stock Livingtrust Mortgage Bank PLC
+8.72% 12.27M
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+18.02% 4.17B
WALKER & DUNLOP, INC. Stock Walker & Dunlop, Inc.
-13.53% 3.19B
CATHAY GENERAL BANCORP Stock Cathay General Bancorp
-17.32% 2.65B
Retail & Mortgage Banks
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