Financials Jordan Loan Guarantee Corp.

Equities

JLGC

JO3107111010

Consumer Lending

End-of-day quote Amman S.E. 06:00:00 2024-03-04 pm EST 5-day change 1st Jan Change
1 JOD -.--% Intraday chart for Jordan Loan Guarantee Corp. -.--% -.--%

Valuation

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Capitalization 1 13.38 13.09 29.08 29.08 29.08 29.08
Enterprise Value (EV) 1 172.7 369.9 684.1 670 569.9 576.1
P/E ratio 19.2 x 12.5 x 45.1 x 25.7 x 25.3 x 15.9 x
Yield - - - - - -
Capitalization / Revenue 3.71 x 3.19 x 6.48 x 5.57 x 5.97 x 4.94 x
EV / Revenue 48 x 90.2 x 152 x 128 x 117 x 97.8 x
EV / EBITDA 176 x 266 x 786 x 446 x 706 x 446 x
EV / FCF -14.6 x -59.1 x 144 x 651 x -1,390 x -905 x
FCF Yield -6.84% -1.69% 0.7% 0.15% -0.07% -0.11%
Price to Book 0.38 x 0.36 x 0.78 x 0.76 x 0.74 x 0.7 x
Nbr of stocks (in thousands) 29,080 29,080 29,080 29,080 29,080 29,080
Reference price 2 0.4600 0.4500 1.000 1.000 1.000 1.000
Announcement Date 3/4/19 2/13/20 3/23/21 2/14/22 2/13/23 2/14/24
1JOD in Million2JOD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net sales 1 3.601 4.1 4.487 5.219 4.87 5.888
EBITDA 1 0.9836 1.391 0.8705 1.503 0.8067 1.292
EBIT 1 0.8651 1.273 0.7955 1.431 0.7374 1.212
Operating Margin 24.02% 31.05% 17.73% 27.41% 15.14% 20.58%
Earnings before Tax (EBT) 1 0.8651 1.273 0.7955 1.431 1.438 2.167
Net income 1 0.6971 1.043 0.645 1.13 1.151 1.827
Net margin 19.36% 25.44% 14.37% 21.65% 23.62% 31.03%
EPS 2 0.0240 0.0359 0.0222 0.0389 0.0396 0.0628
Free Cash Flow 1 -11.82 -6.258 4.763 1.029 -0.41 -0.6366
FCF margin -328.32% -152.61% 106.14% 19.72% -8.42% -10.81%
FCF Conversion (EBITDA) - - 547.12% 68.47% - -
FCF Conversion (Net income) - - 738.4% 91.08% - -
Dividend per Share - - - - - -
Announcement Date 3/4/19 2/13/20 3/23/21 2/14/22 2/13/23 2/14/24
1JOD in Million2JOD
Estimates

Balance Sheet Analysis

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net Debt 1 159 357 655 641 541 547
Net Cash position 1 - - - - - -
Leverage (Debt/EBITDA) 162 x 256.5 x 752.4 x 426.3 x 670.4 x 423.4 x
Free Cash Flow 1 -11.8 -6.26 4.76 1.03 -0.41 -0.64
ROE (net income / shareholders' equity) 1.98% 2.89% 1.75% 2.99% 2.95% 4.52%
ROA (Net income/ Total Assets) 0.26% 0.23% 0.08% 0.11% 0.06% 0.1%
Assets 1 271.7 457.1 801.3 998.4 1,889 1,755
Book Value Per Share 2 1.220 1.260 1.280 1.320 1.360 1.420
Cash Flow per Share 2 0.0900 0.0400 0.0800 0.0900 0.7000 0.4900
Capex 1 0.08 0.02 0.01 0.03 0.1 0.23
Capex / Sales 2.13% 0.4% 0.3% 0.65% 2.16% 3.92%
Announcement Date 3/4/19 2/13/20 3/23/21 2/14/22 2/13/23 2/14/24
1JOD in Million2JOD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

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