Financials Unifin Financiera, S. A. B. de C. V.

Equities

UNIFIN A

MX00UN000002

Consumer Lending

End-of-day quote Mexican S.E. 06:00:00 2023-01-28 pm EST 5-day change 1st Jan Change
12 MXN -.--% Intraday chart for Unifin Financiera, S. A. B. de C. V. -.--% -.--%

Valuation

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Capitalization 1 17,692 12,849 24,390 19,545 622.9 622.9
Enterprise Value (EV) 1 63,031 75,068 90,586 93,642 72,201 62,774
P/E ratio 7.66 x 5.21 x 6.85 x 11.4 x -0.08 x -0.13 x
Yield 2.38% - - - - -
Capitalization / Revenue 1.34 x 3.79 x 9.27 x 6.02 x -0.12 x -0.13 x
EV / Revenue 4.78 x 22.2 x 34.4 x 28.8 x -13.6 x -13 x
EV / EBITDA - - - - - -
EV / FCF - - - - - -
FCF Yield - - - - - -
Price to Book 1.08 x 1.52 x 1.45 x 2.02 x 0.15 x -0.25 x
Nbr of stocks (in thousands) 43,498 42,723 89,343 52,175 51,909 51,909
Reference price 2 406.7 300.8 273.0 374.6 12.00 12.00
Announcement Date 3/26/19 6/10/20 4/30/21 5/20/22 3/20/24 4/30/24
1MXN in Million2MXN
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net sales 1 13,179 3,389 2,632 3,248 -5,309 -4,822
EBITDA - - - - - -
EBIT - - - - - -
Operating Margin - - - - - -
Earnings before Tax (EBT) 1 2,482 2,403 1,788 1,863 -8,948 -5,464
Net income 1 1,924 1,949 1,364 1,495 -6,465 -4,037
Net margin 14.6% 57.51% 51.82% 46.03% 121.77% 83.71%
EPS 2 53.13 57.75 39.83 32.86 -152.1 -89.75
Free Cash Flow - - - - - -
FCF margin - - - - - -
FCF Conversion (EBITDA) - - - - - -
FCF Conversion (Net income) - - - - - -
Dividend per Share 2 9.677 - - - - -
Announcement Date 3/26/19 6/10/20 4/30/21 5/20/22 3/20/24 4/30/24
1MXN in Million2MXN
Estimates

Balance Sheet Analysis

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net Debt 1 45,339 62,219 66,197 74,097 71,578 62,151
Net Cash position 1 - - - - - -
Leverage (Debt/EBITDA) - - - - - -
Free Cash Flow - - - - - -
ROE (net income / shareholders' equity) 18.7% 19% 11.3% 11.4% -61.8% -77.2%
ROA (Net income/ Total Assets) 3.14% 2.79% 1.66% 1.66% -7.26% -5.35%
Assets 1 61,200 69,775 82,120 90,288 89,074 75,446
Book Value Per Share 2 376.0 198.0 188.0 186.0 78.70 -47.60
Cash Flow per Share 2 10.90 119.0 78.80 97.60 33.40 42.00
Capex 1 17,545 2,208 978 125 1,049 -
Capex / Sales 133.13% 65.14% 37.15% 3.86% -19.76% -
Announcement Date 3/26/19 6/10/20 4/30/21 5/20/22 3/20/24 4/30/24
1MXN in Million2MXN
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

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