Financials First Finance Company

Equities

FFCO

JO3125111018

Consumer Lending

End-of-day quote Amman S.E. 06:00:00 2024-04-28 pm EDT 5-day change 1st Jan Change
0.5 JOD 0.00% Intraday chart for First Finance Company 0.00% 0.00%

Valuation

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Capitalization 1 16.8 20.3 17.85 19.6 20.17 17.1
Enterprise Value (EV) 1 14.1 16.67 11.73 14.28 15.27 13.39
P/E ratio 9.73 x 11.5 x 33 x 20.2 x 13.5 x 15.2 x
Yield 8.33% - - - - -
Capitalization / Revenue 5.36 x 5.42 x 8.08 x 6.69 x 7.1 x 6.93 x
EV / Revenue 4.5 x 4.45 x 5.31 x 4.87 x 5.37 x 5.43 x
EV / EBITDA - - - - - -
EV / FCF - - - - - -
FCF Yield - - - - - -
Price to Book 0.37 x 0.45 x 0.39 x 0.43 x 0.43 x 0.36 x
Nbr of stocks (in thousands) 35,000 35,000 35,000 35,000 34,781 34,200
Reference price 2 0.4800 0.5800 0.5100 0.5600 0.5800 0.5000
Announcement Date 4/1/19 3/9/20 5/18/21 3/31/22 2/2/23 3/3/24
1JOD in Million2JOD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net sales 1 3.134 3.748 2.21 2.93 2.843 2.467
EBITDA - - - - - -
EBIT - - - - - -
Operating Margin - - - - - -
Earnings before Tax (EBT) 1 1.329 2.286 0.7297 1.481 1.286 0.972
Net income 1 1.727 1.767 0.5411 0.9701 1.494 1.14
Net margin 55.12% 47.14% 24.48% 33.11% 52.56% 46.19%
EPS 2 0.0494 0.0505 0.0155 0.0277 0.0430 0.0330
Free Cash Flow - - - - - -
FCF margin - - - - - -
FCF Conversion (EBITDA) - - - - - -
FCF Conversion (Net income) - - - - - -
Dividend per Share 2 0.0400 - - - - -
Announcement Date 4/1/19 3/9/20 5/18/21 3/31/22 2/2/23 3/3/24
1JOD in Million2JOD
Estimates

Balance Sheet Analysis

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net Debt 1 - - - - - -
Net Cash position 1 2.7 3.63 6.12 5.32 4.9 3.71
Leverage (Debt/EBITDA) - - - - - -
Free Cash Flow - - - - - -
ROE (net income / shareholders' equity) 3.61% 3.91% 1.19% 2.13% 3.25% 2.42%
ROA (Net income/ Total Assets) 2.81% 3.01% 0.92% 1.75% 2.89% 2.21%
Assets 1 61.56 58.76 59.09 55.5 51.75 51.57
Book Value Per Share 2 1.280 1.290 1.310 1.290 1.350 1.380
Cash Flow per Share 2 0.0800 0.0300 0.0800 0.0600 0.0500 0.0200
Capex 1 0.05 0.06 0.07 0.07 0.04 0.02
Capex / Sales 1.62% 1.67% 3.36% 2.56% 1.39% 0.84%
Announcement Date 4/1/19 3/9/20 5/18/21 3/31/22 2/2/23 3/3/24
1JOD in Million2JOD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

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