Financials Bank CenterCredit

Equities

CCBN

KZ0007786572

Banks

End-of-day quote Kazakhstan S.E. 06:00:00 2024-04-25 pm EDT 5-day change 1st Jan Change
1,568 KZT +1.40% Intraday chart for Bank CenterCredit +0.50% +60.46%

Valuation

Fiscal Period: December 2017 2018 2019 2020 2021 2022
Capitalization 1 31,960 37,525 36,423 37,333 69,281 118,119
Enterprise Value (EV) 1 -2,328 370.2 63,317 1,386 -867.3 -818,080
P/E ratio 1.38 x 4.33 x 18.4 x 2.9 x 3.47 x 0.81 x
Yield - - - - - -
Capitalization / Revenue 0.5 x 0.88 x 0.87 x 0.67 x 1.02 x 0.74 x
EV / Revenue -0.04 x 0.01 x 1.51 x 0.02 x -0.01 x -5.14 x
EV / EBITDA - - - - - -
EV / FCF - - - - - -
FCF Yield - - - - - -
Price to Book 0.27 x 0.35 x 0.32 x 0.28 x 0.48 x 0.43 x
Nbr of stocks (in thousands) 162,037 160,220 161,094 173,124 174,072 184,561
Reference price 2 197.2 234.2 226.1 215.6 398.0 640.0
Announcement Date 4/23/18 4/29/19 6/5/20 5/28/21 5/25/22 5/17/23
1KZT in Million2KZT
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2017 2018 2019 2020 2021 2022
Net sales 1 64,369 42,793 41,999 55,813 68,064 159,080
EBITDA - - - - - -
EBIT - - - - - -
Operating Margin - - - - - -
Earnings before Tax (EBT) 1 36,070 11,561 2,373 14,156 21,475 151,846
Net income 1 28,800 9,116 1,984 12,509 20,645 145,129
Net margin 44.74% 21.3% 4.72% 22.41% 30.33% 91.23%
EPS 2 143.0 54.07 12.28 74.39 114.9 790.9
Free Cash Flow - - - - - -
FCF margin - - - - - -
FCF Conversion (EBITDA) - - - - - -
FCF Conversion (Net income) - - - - - -
Dividend per Share - - - - - -
Announcement Date 4/23/18 4/29/19 6/5/20 5/28/21 5/25/22 5/17/23
1KZT in Million2KZT
Estimates

Balance Sheet Analysis

Fiscal Period: December 2017 2018 2019 2020 2021 2022
Net Debt 1 - - 26,894 - - -
Net Cash position 1 34,288 37,155 - 35,947 70,148 936,199
Leverage (Debt/EBITDA) - - - - - -
Free Cash Flow - - - - - -
ROE (net income / shareholders' equity) 25.3% 7.77% 1.8% 10.2% 14.6% 68.4%
ROA (Net income/ Total Assets) 2.14% 0.64% 0.13% 0.75% 1.05% 4.53%
Assets 1 1,343,096 1,415,968 1,489,489 1,659,019 1,968,440 3,201,681
Book Value Per Share 2 725.0 666.0 704.0 764.0 826.0 1,482
Cash Flow per Share 2 1,096 1,017 904.0 1,519 1,322 5,742
Capex 1 4,405 6,074 7,287 6,028 4,606 14,943
Capex / Sales 6.84% 14.19% 17.35% 10.8% 6.77% 9.39%
Announcement Date 4/23/18 4/29/19 6/5/20 5/28/21 5/25/22 5/17/23
1KZT in Million2KZT
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

Annual profits - Rate of surprise

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