Financials Global International Credit Group Limited

Equities

1669

KYG3932P1046

Consumer Lending

Delayed Hong Kong S.E. 08:18:02 08/05/2024 am IST 5-day change 1st Jan Change
0.56 HKD 0.00% Intraday chart for Global International Credit Group Limited +3.70% +17.89%

Valuation

Fiscal Period: December 2017 2018 2019 2020 2021 2022
Capitalization 1 396 352 256 176 212 200
Enterprise Value (EV) 1 477.9 638.1 408.2 93.3 173.6 196.4
P/E ratio 6.29 x 5.15 x 4.1 x 2.74 x 4.04 x 3.92 x
Yield 4.95% 5.68% 7.34% 14.5% 10% 10.2%
Capitalization / Revenue 4.43 x 2.9 x 2.43 x 1.74 x 2.47 x 2.31 x
EV / Revenue 5.35 x 5.26 x 3.87 x 0.92 x 2.02 x 2.27 x
EV / EBITDA - - - - - -
EV / FCF - - - - - -
FCF Yield - - - - - -
Price to Book 0.57 x 0.47 x 0.33 x 0.21 x 0.25 x 0.23 x
Nbr of stocks (in thousands) 4,00,000 4,00,000 4,00,000 4,00,000 4,00,000 4,00,000
Reference price 2 0.9900 0.8800 0.6400 0.4400 0.5300 0.5000
Announcement Date 25/04/18 15/04/19 28/04/20 23/04/21 27/04/22 27/04/23
1HKD in Million2HKD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2017 2018 2019 2020 2021 2022
Net sales 1 89.36 121.3 105.4 101.1 85.96 86.44
EBITDA - - - - - -
EBIT - - - - - -
Operating Margin - - - - - -
Earnings before Tax (EBT) 1 74 87.63 74.72 76.59 62.91 61.08
Net income 1 63.01 68.41 62.5 64.16 52.52 50.96
Net margin 70.5% 56.41% 59.32% 63.49% 61.09% 58.95%
EPS 2 0.1575 0.1710 0.1562 0.1604 0.1313 0.1274
Free Cash Flow - - - - - -
FCF margin - - - - - -
FCF Conversion (EBITDA) - - - - - -
FCF Conversion (Net income) - - - - - -
Dividend per Share 2 0.0490 0.0500 0.0470 0.0640 0.0530 0.0510
Announcement Date 25/04/18 15/04/19 28/04/20 23/04/21 27/04/22 27/04/23
1HKD in Million2HKD
Estimates

Balance Sheet Analysis

Fiscal Period: December 2017 2018 2019 2020 2021 2022
Net Debt 1 81.9 286 152 - - -
Net Cash position 1 - - - 82.7 38.4 3.56
Leverage (Debt/EBITDA) - - - - - -
Free Cash Flow - - - - - -
ROE (net income / shareholders' equity) 9.26% 9.48% 8.16% 7.88% 6.19% 5.86%
ROA (Net income/ Total Assets) 6.03% 7.18% 5.95% 6.78% 5.82% 5.51%
Assets 1 1,045 952.2 1,050 947.1 902.2 924.7
Book Value Per Share 2 1.750 1.860 1.970 2.100 2.140 2.210
Cash Flow per Share 2 0.0300 0.1500 0.0800 0.3300 0.2100 0.1300
Capex 1 0.03 1.12 0.02 0.01 0.35 0.09
Capex / Sales 0.04% 0.93% 0.02% 0.01% 0.41% 0.11%
Announcement Date 25/04/18 15/04/19 28/04/20 23/04/21 27/04/22 27/04/23
1HKD in Million2HKD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

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