Financials Finance House

Equities

FH

AEF000401016

Consumer Lending

Market Closed - Abu Dhabi Securities Exchange 02:28:52 2024-04-26 am EDT 5-day change 1st Jan Change
1.93 AED -9.81% Intraday chart for Finance House -9.81% -9.81%

Valuation

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Capitalization 1 501.2 481.3 567.9 597.7 590.9 583.1
Enterprise Value (EV) 1 548.2 674.1 913.1 1,100 960.9 836.2
P/E ratio -41.8 x -55.3 x -82.9 x -193 x -251 x 38 x
Yield - - 0.55% - - -
Capitalization / Revenue 2.49 x 2.09 x 2.77 x 3.13 x 3.23 x 5.33 x
EV / Revenue 2.72 x 2.93 x 4.46 x 5.75 x 5.26 x 7.64 x
EV / EBITDA - - - - - -
EV / FCF - - - - - -
FCF Yield - - - - - -
Price to Book 1.19 x 1.17 x 1.49 x 1.4 x 1.65 x 1.77 x
Nbr of stocks (in thousands) 305,610 298,950 298,900 298,862 276,109 272,481
Reference price 2 1.640 1.610 1.900 2.000 2.140 2.140
Announcement Date 2/13/19 2/16/20 2/14/21 2/15/22 2/14/23 3/30/24
1AED in Million2AED
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net sales 1 201.3 230 204.7 191.1 182.7 109.4
EBITDA - - - - - -
EBIT - - - - - -
Operating Margin - - - - - -
Earnings before Tax (EBT) 1 17.84 22.44 20.9 22.76 20.78 14.81
Net income 1 11.82 13.59 13.96 15.48 16.56 35.98
Net margin 5.87% 5.91% 6.82% 8.1% 9.07% 32.89%
EPS 2 -0.0393 -0.0291 -0.0229 -0.0103 -0.008518 0.0564
Free Cash Flow - - - - - -
FCF margin - - - - - -
FCF Conversion (EBITDA) - - - - - -
FCF Conversion (Net income) - - - - - -
Dividend per Share - - 0.0104 - - -
Announcement Date 2/13/19 2/16/20 2/14/21 2/15/22 2/14/23 3/30/24
1AED in Million2AED
Estimates

Balance Sheet Analysis

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net Debt 1 47 193 345 502 370 253
Net Cash position 1 - - - - - -
Leverage (Debt/EBITDA) - - - - - -
Free Cash Flow - - - - - -
ROE (net income / shareholders' equity) 2.13% 2.87% 2.67% 2.9% 2.67% 2.22%
ROA (Net income/ Total Assets) 0.41% 0.56% 0.57% 0.66% 0.58% 0.48%
Assets 1 2,870 2,428 2,450 2,351 2,835 7,542
Book Value Per Share 2 1.370 1.380 1.280 1.430 1.290 1.210
Cash Flow per Share 2 0.0600 0.0500 0.0200 0.0300 0.0300 0.0300
Capex 1 19.3 3.07 7.09 18.6 15.6 30.1
Capex / Sales 9.61% 1.33% 3.47% 9.71% 8.52% 27.56%
Announcement Date 2/13/19 2/16/20 2/14/21 2/15/22 2/14/23 3/30/24
1AED in Million2AED
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

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