YOLFTbeta
Finbond Group Ltd

Finbond Group Ltd

FGL · JSE · Financial Services / Mortgage Finance

46.00ZAC-3.00 (-6.12%)

Price History

Full chart

Market Stats

Previous Close49.00
Open50.00
Day Range46.00 – 50.00
52-Week Range71.00 – 145.00
Volume99.02K
Market Cap361.23M
P/E (TTM)5.13
Forward P/E0.00
EPS0.15
Dividend Yield12.43%
Beta1.03
50-Day Avg81.42
200-Day Avg102.52

About

Finbond Group Limited operates as a financial services institution in North America and South Africa. The company operates through Deposit and Debt Finance Products, Lending, Property Investment, and Transactional Banking segments. The company offers short-term consumer lending services; transactional banking products; personal banking; overdraft facility; business banking products, such as commercial, business, and small enterprise accounts; business credit services; savings and investment products; online and mobile banking; and secured lending, as well as insurance products. Finbond Group Limited was incorporated in 2001 and is headquartered in Pretoria, the Republic of South Africa.

Company Details

  • SectorFinancial Services
  • IndustryMortgage Finance
  • CEODr. Willem Van Aardt LLD, LLM, QLTT (UK)
  • Employees2.49K
  • HeadquartersRigel Office Park, Pretoria, South Africa, 0181, South Africa
  • Websitehttps://finbondgroup.com

Leadership

  • Dr. Willem Van Aardt LLD, LLM, QLTT (UK)CEO & Executive Director · b. 1973
  • Mr. Greg Wayne Labuschagne B.Com., CPA, CA(SA)CFO, Financial Director & Executive Director · b. 1977
  • Mr. Hannes CloeteChief Compliance Officer
  • Mr. Christo QuinnCBO - Finbond Group North America
  • Mr. Marthinus VermaakCEO of Supreme Finance
  • Mr. Schalk KlopperChief Risk & Analytics Officer
  • Mr. Abie MullerChief Quality & Personnel Officer
  • Mr. Ben C. Bredenkamp B Com, B.Com., L.L.B., M.B.A.Group Company Secretary & Chief Corporate Officer
  • Ms. Lanelle RosemaGroup Financial Manager & Controller
  • Ms. Celeste BogaardHead of Regulatory Reporting & Treasury

Financials

Income Statement

Currency: ZAR2005-02-282006-02-282007-02-282008-02-292009-02-282010-02-282011-02-282012-02-292013-02-282014-02-282015-02-282016-02-292017-02-282018-02-282019-02-282020-02-292021-02-282022-02-282023-02-282024-02-292025-02-282026-02-28
Total Revenue10.37M13.72M14.45M296.28M141.29M246.92M138.23M179.07M189.39M269.64M388.99M469.94M1.44B2.22B2.25B2.37B1.89B1.54B1.26B1.39B1.44B1.48B
Growth (%)-+32.31%+5.35%+1950.45%-52.31%+74.76%-44.02%+29.54%+5.76%+42.38%+44.26%+20.81%+205.71%+54.54%+1.43%+5.27%-20.35%-18.22%-18.20%+10.11%+3.38%+2.89%
Cost of Revenue308.58K576.32K------21.20K27.32K63.52K20.35M1.05M163.91M2.00B1.99B289.83M367.04M863.25M816.36M368.11M333.03M
Gross Profit10.06M13.14M14.45M296.28M141.29M246.92M138.23M179.07M189.37M269.61M388.93M449.60M1.44B2.06B248.22M384.76M1.60B1.18B399.99M1.07B1.07B1.15B
Gross Margin97.02%95.80%100.00%100.00%100.00%100.00%100.00%100.00%99.99%99.99%99.98%95.67%99.93%92.62%11.02%16.23%84.65%76.23%31.66%76.99%74.40%77.49%
Operating Expense--6.01M202.16M187.85M165.84M148.77M134.04M138.55M178.48M239.26M267.16M1.05B1.51B-279.22M-129.34M1.65B1.26B285.73M1.04B1.01B916.92M
Operating Income--8.44M94.12M-46.56M81.07M-10.54M45.03M50.81M91.14M149.67M182.44M382.65M547.01M527.44M514.09M-49.61M-81.12M114.26M30.65M61.89M229.62M
Operating Margin--58.40%31.77%-32.95%32.83%-7.62%25.15%26.83%33.80%38.48%38.82%26.63%24.64%23.42%21.69%-2.63%-5.25%9.04%2.20%4.30%15.52%
EBITDA308.58K576.32K8.62M96.11M-40.71M113.30M-32.71K50.07M41.30M90.38M121.48M192.09M418.76M595.48M591.55M620.07M166.40M101.97M223.99M326.57M193.61M654.37M
EBITDA Margin2.98%4.20%59.64%32.44%-28.81%45.88%-0.02%27.96%21.81%33.52%31.23%40.87%29.15%26.82%26.27%26.16%8.81%6.60%17.73%23.48%13.46%44.23%
Net Income3.27M5.40M5.80M62.67M-57.68M58.20M-20.34M13.42M20.73M36.92M50.87M57.25M138.73M234.20M36.91M97.64M-295.40M-244.15M-265.04M557.00K31.80M69.36M
Net Income Margin31.59%39.35%40.13%21.15%-40.82%23.57%-14.72%7.50%10.95%13.69%13.08%12.18%9.66%10.55%1.64%4.12%-15.64%-15.81%-20.98%0.04%2.21%4.69%
Interest Expense--88.78K5.46M15.50M19.72M15.95M16.80M20.85M44.29M76.30M87.53M144.93M208.23M193.88M254.25M289.83M313.55M352.99M330.47M368.11M418.23M
Interest Expense % of Total Revenue--0.61%1.84%10.97%7.99%11.54%9.38%11.01%16.42%19.62%18.62%10.09%9.38%8.61%10.72%15.35%20.30%27.94%23.76%25.60%28.27%

Balance Sheet

Currency: ZAR2005-02-282006-02-282007-02-282008-02-292009-02-282010-02-282011-02-282012-02-292013-02-282014-02-282015-02-282016-02-292017-02-282018-02-282019-02-282020-02-292021-02-282022-02-282023-02-282024-02-292025-02-282026-02-28
Total Assets10.64M14.40M15.97M447.24M415.23M482.77M439.42M477.12M556.27M1.09B1.35B1.43B3.18B3.31B3.42B4.67B4.37B4.62B4.96B4.28B4.53B4.41B
Total Liabilities7.21M7.87M6.25M154.06M201.35M230.18M204.33M230.05M251.34M756.24M1.00B1.04B2.04B2.14B1.77B2.97B3.14B3.61B3.86B3.45B3.80B3.93B
Total Equity3.43M6.53M9.72M276.27M193.69M252.45M235.54M247.64M305.76M330.43M346.73M388.81M935.67M1.01B1.49B1.45B1.02B836.55M794.12M832.56M730.91M483.69M
Cash--1.10M48.00M86.76M58.69M36.94M53.23M58.76M88.28M200.27M140.13M568.43M436.04M560.11M1.07B930.70M617.14M585.04M455.72M726.91M520.31M
Total Debt3.59M2.16M197.68K1.49M8.94M17.45M12.68M22.70M240.19K1.33M16.53M49.27M539.68M845.53M614.00M1.52B1.94B2.69B2.47B2.72B3.06B3.24B
Net Debt3.59M2.16M-903.26K-46.50M-77.82M-41.24M-24.25M-30.53M-58.52M-86.96M-183.74M-90.85M-28.75M409.49M53.89M446.20M1.01B2.05B2.24B2.27B2.33B2.72B

Cash Flow

Currency: ZAR2007-02-282008-02-292009-02-282010-02-282011-02-282012-02-292013-02-282014-02-282015-02-282016-02-292017-02-282018-02-282019-02-282020-02-292021-02-282022-02-282023-02-282024-02-292025-02-282026-02-28
Operating Cash Flow-631.95K39.93M-12.61M-21.73M-14.13M6.41M163.41M463.92M152.62M-127.00M218.21M-34.87M274.76M511.04M257.15M-629.50M-330.87M-133.04M-222.57M353.69M
Investing Cash Flow-2.14M-143.61M-50.94M-34.93M-12.35M7.44M-17.02M-403.30M-18.22M51.74M-743.54M-247.95M-115.97M-155.32M-420.22M-264.07M276.48M-22.75M187.35M-353.04M
Financing Cash Flow-690.53K150.58M102.31M28.59M4.73M2.45M-136.03M-36.83M-23.66M-15.83M938.55M125.31M-80.23M210.50M54.28M522.43M236.66M26.88M258.64M-97.07M
Capital Expenditure147.76K2.26M3.98M8.86M7.03M3.45M3.07M10.45M89.55M61.63M48.17M57.05M102.46M73.82M59.48M64.37M53.25M31.13M46.47M44.11M
Free Cash Flow-779.71K37.66M-16.59M-30.59M-21.16M2.96M160.34M453.47M63.07M-188.63M170.04M-91.92M172.30M437.23M197.68M-693.88M-384.12M-164.16M-269.04M309.58M
Dividends Paid-------12.71M12.71M20.06M66.06M101.94M197.01M79.82M79.19M62.78M14.07M--57.15M
FCF to OCF123.38%94.33%131.53%140.79%149.74%46.18%98.12%97.75%41.32%148.52%77.93%263.62%62.71%85.56%76.87%110.23%116.09%123.40%120.88%87.53%
Dividend Paid to FCF-------2.80%20.15%-10.63%38.85%-110.91%114.34%18.26%40.06%-9.05%-3.66%--18.46%

Key Statistics & Ratios

Market Cap361.23M
Enterprise Value2.80B
Trailing P/E5.13
Forward P/E0.00
Price / Sales0.20
Price / Book0.75
EPS0.15
Book Value1.03
Revenue (TTM)1.78B
Gross Profit (TTM)1.40B
EBITDA616.53M
Profit Margin3.90%
Operating Margin31.21%
Return on Equity11.37%
Return on Assets8.25%
Shares Outstanding469.14M
Shares Float92.16M
Beta1.03
Dividend Yield12.43%
Dividend Rate0.10
Payout Ratio103.24%

Dividends

20191×
1.55Jul 31, 2019
20181×
9.91Jul 11, 2018
20171×
6.75Jul 12, 2017
20161×
3.15May 16, 2016
20151×
3.13May 11, 2015
20141×
1.93Apr 17, 2014
20081×
7.13May 12, 2008

Stock Splits

  • Apr 4, 20182121:1966
  • Feb 22, 20161567:1554
  • Feb 13, 2012418:405