Financials National Credit and Commerce Bank PLC.

Equities

NCCBANK

BD0119NCCBL3

Banks

End-of-day quote Dhaka S.E. 03:30:00 13/06/2024 am IST 5-day change 1st Jan Change
9.7 BDT -2.02% Intraday chart for National Credit and Commerce Bank PLC. -12.61% -25.95%

Valuation

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Capitalization 1 14,043 11,129 12,486 15,558 14,594 14,547
Enterprise Value (EV) 1 15,144 11,445 16,102 24,972 30,825 40,688
P/E ratio 7.69 x 5.21 x 5.59 x 6.21 x 5.52 x 6.33 x
Yield 3.14% 12.5% 5.68% 7.84% 3.62% 9.16%
Capitalization / Revenue 1.76 x 1.3 x 1.28 x 1.62 x 1.32 x 1.35 x
EV / Revenue 1.9 x 1.34 x 1.65 x 2.6 x 2.78 x 3.76 x
EV / EBITDA - - - - - -
EV / FCF - - - - - -
FCF Yield - - - - - -
Price to Book 0.79 x 0.57 x 0.6 x 0.7 x 0.63 x 0.6 x
Nbr of stocks (in thousands) 11,10,423 11,10,423 11,10,423 11,10,423 11,10,423 11,10,423
Reference price 2 12.65 10.02 11.24 14.01 13.14 13.10
Announcement Date 02/05/19 10/05/20 26/04/21 23/04/22 02/05/23 06/05/24
1BDT in Million2BDT
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net sales 1 7,984 8,537 9,778 9,612 11,097 10,810
EBITDA - - - - - -
EBIT - - - - - -
Operating Margin - - - - - -
Earnings before Tax (EBT) 1 3,486 3,997 4,029 4,325 5,235 4,828
Net income 1 1,825 2,134 2,234 2,505 2,643 2,298
Net margin 22.86% 25% 22.85% 26.06% 23.82% 21.26%
EPS 2 1.644 1.922 2.012 2.256 2.381 2.069
Free Cash Flow - - - - - -
FCF margin - - - - - -
FCF Conversion (EBITDA) - - - - - -
FCF Conversion (Net income) - - - - - -
Dividend per Share 2 0.3977 1.253 0.6389 1.099 0.4762 1.200
Announcement Date 02/05/19 10/05/20 26/04/21 23/04/22 02/05/23 06/05/24
1BDT in Million2BDT
Estimates

Balance Sheet Analysis

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net Debt 1 1,101 316 3,616 9,414 16,230 26,141
Net Cash position 1 - - - - - -
Leverage (Debt/EBITDA) - - - - - -
Free Cash Flow - - - - - -
ROE (net income / shareholders' equity) 10.4% 11.4% 11% 11.6% 11.6% 9.7%
ROA (Net income/ Total Assets) 0.82% 0.85% 0.86% 0.93% 0.91% 0.74%
Assets 1 2,22,834 2,50,173 2,58,670 2,68,917 2,89,021 3,10,751
Book Value Per Share 2 16.00 17.60 18.90 20.10 20.90 21.80
Cash Flow per Share 2 11.20 12.60 15.60 17.70 18.30 14.60
Capex 1 434 375 251 166 284 185
Capex / Sales 5.44% 4.39% 2.57% 1.73% 2.56% 1.71%
Announcement Date 02/05/19 10/05/20 26/04/21 23/04/22 02/05/23 06/05/24
1BDT in Million2BDT
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

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