Financials Bank CenterCredit

Equities

CCBN

KZ0007786572

Banks

End-of-day quote Kazakhstan S.E. 03:30:00 13/05/2024 am IST 5-day change 1st Jan Change
1,655 KZT +1.83% Intraday chart for Bank CenterCredit +3.57% +69.38%

Valuation

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Capitalization 1 37,525 36,423 37,333 69,281 1,18,119 1,80,409
Enterprise Value (EV) 1 370.2 63,317 1,386 -867.3 -8,18,080 -10,15,268
P/E ratio 4.33 x 18.4 x 2.9 x 3.47 x 0.81 x 1.34 x
Yield - - - - - -
Capitalization / Revenue 0.88 x 0.87 x 0.67 x 1.02 x 0.74 x 0.64 x
EV / Revenue 0.01 x 1.51 x 0.02 x -0.01 x -5.14 x -3.57 x
EV / EBITDA - - - - - -
EV / FCF - - - - - -
FCF Yield - - - - - -
Price to Book 0.35 x 0.32 x 0.28 x 0.48 x 0.43 x 0.43 x
Nbr of stocks (in thousands) 1,60,220 1,61,094 1,73,124 1,74,072 1,84,561 1,84,645
Reference price 2 234.2 226.1 215.6 398.0 640.0 977.1
Announcement Date 29/04/19 05/06/20 28/05/21 25/05/22 17/05/23 30/04/24
1KZT in Million2KZT
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net sales 1 42,793 41,999 55,813 68,064 1,59,080 2,84,104
EBITDA - - - - - -
EBIT - - - - - -
Operating Margin - - - - - -
Earnings before Tax (EBT) 1 11,561 2,373 14,156 21,475 1,51,846 1,60,257
Net income 1 9,116 1,984 12,509 20,645 1,45,129 1,35,061
Net margin 21.3% 4.72% 22.41% 30.33% 91.23% 47.54%
EPS 2 54.07 12.28 74.39 114.9 790.9 730.5
Free Cash Flow - - - - - -
FCF margin - - - - - -
FCF Conversion (EBITDA) - - - - - -
FCF Conversion (Net income) - - - - - -
Dividend per Share - - - - - -
Announcement Date 29/04/19 05/06/20 28/05/21 25/05/22 17/05/23 30/04/24
1KZT in Million2KZT
Estimates

Balance Sheet Analysis

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net Debt 1 - 26,894 - - - -
Net Cash position 1 37,155 - 35,947 70,148 9,36,199 11,95,677
Leverage (Debt/EBITDA) - - - - - -
Free Cash Flow - - - - - -
ROE (net income / shareholders' equity) 7.77% 1.8% 10.2% 14.6% 68.4% 39%
ROA (Net income/ Total Assets) 0.64% 0.13% 0.75% 1.05% 4.53% 2.81%
Assets 1 14,15,968 14,89,489 16,59,019 19,68,440 32,01,681 48,00,974
Book Value Per Share 2 666.0 704.0 764.0 826.0 1,482 2,259
Cash Flow per Share 2 1,017 904.0 1,519 1,322 5,742 6,949
Capex 1 6,074 7,287 6,028 4,606 14,943 17,193
Capex / Sales 14.19% 17.35% 10.8% 6.77% 9.39% 6.05%
Announcement Date 29/04/19 05/06/20 28/05/21 25/05/22 17/05/23 30/04/24
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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