Stock NEOFI NEO FINANCE, AB
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Financials NEO Finance, AB

Equities

NEOFI

LT0000132953

Consumer Lending

Market Closed - Nasdaq Vilnius
Other stock markets
 05:47:37 2024-04-26 am EDT 		5-day change 1st Jan Change
2.3 EUR -4.17% Intraday chart for NEO Finance, AB -2.54% 0.00%
Mar. 19 NEO Finance, AB Announces Resignation of Deividas Tumas from the Board, Effective March 31, 2024 CI
Feb. 29 NEO Finance, AB Announces to Redeem EUR 250,000 Bond Issue Prematurely CI

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023
Capitalization 1 11.6 10.32 11.76 9.833 9.665
Enterprise Value (EV) 1 9.739 4.996 1.74 -2.501 -5.833
P/E ratio -13.8 x -84.6 x 99.9 x 117 x 38.3 x
Yield - - - - -
Capitalization / Revenue 6.73 x 4.15 x 3.42 x 2.79 x 2.09 x
EV / Revenue 5.65 x 2.01 x 0.51 x -0.71 x -1.26 x
EV / EBITDA -15 x 40 x 8.29 x -14.4 x -19.6 x
EV / FCF - - - - -
FCF Yield - - - - -
Price to Book 10.6 x 6.93 x 5.73 x 3.9 x 3.47 x
Nbr of stocks (in thousands) 3,671 3,878 4,056 4,202 4,202
Reference price 2 3.160 2.660 2.900 2.340 2.300
Announcement Date 4/15/20 5/24/21 4/3/22 3/31/23 4/2/24
1EUR in Million2EUR
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net sales 1 1.016 1.724 2.483 3.443 3.53 4.625
EBITDA 1 -0.3933 -0.6476 0.1248 0.2101 0.1733 0.2981
EBIT 1 -0.5273 -0.8157 -0.0451 0.1792 0.1392 0.2656
Operating Margin -51.91% -47.33% -1.82% 5.21% 3.94% 5.74%
Earnings before Tax (EBT) 1 -0.5269 -0.8809 -0.0694 0.1791 0.1586 0.3044
Net income 1 -0.4529 -0.8412 -0.1219 0.1177 0.1039 0.2609
Net margin -44.59% -48.81% -4.91% 3.42% 2.94% 5.64%
EPS 2 -0.1351 -0.2292 -0.0314 0.0290 0.0200 0.0600
Free Cash Flow - - - - - -
FCF margin - - - - - -
FCF Conversion (EBITDA) - - - - - -
FCF Conversion (Net income) - - - - - -
Dividend per Share - - - - - -
Announcement Date 3/28/19 4/15/20 5/24/21 4/3/22 3/31/23 4/2/24
1EUR in Million2EUR
Estimates

Balance Sheet Analysis

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net Debt 1 - - - - - -
Net Cash position 1 0.95 1.86 5.32 10 12.3 15.5
Leverage (Debt/EBITDA) - - - - - -
Free Cash Flow - - - - - -
ROE (net income / shareholders' equity) -53.5% -83.1% -9.45% 6.65% 4.54% 9.83%
ROA (Net income/ Total Assets) -8.98% -8.38% -0.31% 0.9% 0.56% 0.75%
Assets 1 5.045 10.04 38.85 13.12 18.67 35
Book Value Per Share 2 0.2800 0.3000 0.3800 0.5100 0.6000 0.6600
Cash Flow per Share 2 0.7900 1.070 1.870 2.720 3.200 3.670
Capex - - - - - -
Capex / Sales - - - - - -
Announcement Date 3/28/19 4/15/20 5/24/21 4/3/22 3/31/23 4/2/24
1EUR in Million2EUR
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

Sector Consumer Leasing

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Consumer Leasing
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