YOLFTbeta
PSG Konsult Ltd

PSG Konsult Ltd

KST · JSE · Financial Services / Asset Management

3,098.00ZAC-18.00 (-0.58%)

Price History

Full chart

Market Stats

Previous Close3,116.00
Open3,076.00
Day Range3,068.00 – 3,229.00
52-Week Range2,359.00 – 3,750.00
Volume506.46K
Market Cap37.95B
P/E (TTM)22.39
Forward P/E0.00
EPS1.37
Dividend Yield2.12%
Beta0.39
50-Day Avg3,241.50
200-Day Avg2,944.25

About

PSG Financial Services Limited, together with its subsidiaries, provides various financial services and products in South Africa and Namibia. The company operates through three segments: PSG Wealth, PSG Asset Management, and PSG Insure. The PSG Wealth segment offers portfolio management, stockbroking, local and offshore investments, estate planning, financial planning, local and offshore fiduciary, multi-managed solutions, and retirement products to individuals, families, and businesses. The PSG Asset Management segment provides various investment products, including local and global investment products. The PSG Insure segment offers personal short-term insurance products, including home, car, and household insurance; and commercial insurance products, such as business and agri-insurance. The company was formerly known as PSG Konsult Limited and changed its name to PSG Financial Services Limited in August 2023. PSG Financial Services Limited was incorporated in 1993 and is headquartered in Bellville, South Africa.

Company Details

  • SectorFinancial Services
  • IndustryAsset Management
  • CEOMr. Francois Johannes Gouws B.Acc, CA (SA)
  • Employees3.37K
  • HeadquartersThe Edge, Bellville, South Africa, 7530, South Africa
  • Websitehttps://www.psg.co.za

Leadership

  • Mr. Francois Johannes Gouws B.Acc, CA (SA)CEO & Executive Director · b. 1965
  • Mr. Michael Ian Frain Smith BComm (Hons), CA(SA), H Dip, H Dip TaxCFO & Executive Director · b. 1968
  • Ms. Janine Loretta JohannesChief Transformation Officer, Head of Transformation & Executive Director · b. 1966
  • Mr. Niraj Mohan Gudka BSc (Hons), CIMAChief Operating Officer
  • Mr. Kenny MadiChief Information Officer
  • Wallie KrummDirector of Administration and Director of Compliance
  • Ms. Janine Van Aswegen B.Com.Chief Marketing Officer
  • Ms. Milandi Hugo B.Sc.Head of Human Resources
  • Mr. Theo CloeteChief Executive of Group Marketing
  • Mr. Gerhardt Burger BACC, C.A., M.Sc.Chief Governance Officer

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 Revenue158.33M241.72M479.45M689.43M767.57M867.45M1.00B1.55B1.53B2.20B2.68B3.14B3.38B3.79B7.53B4.76B4.95B5.74B6.91B7.33B8.32B8.33B
Growth (%)-+52.67%+98.35%+43.79%+11.33%+13.01%+15.36%+55.16%-1.62%+44.25%+21.50%+17.26%+7.60%+12.20%+98.62%-36.79%+4.06%+15.97%+20.40%+6.06%+13.47%+0.10%
Cost of Revenue--------1.01B1.54B1.79B2.10B2.34B2.65B2.75B3.03B3.09B3.42B3.72B5.14B5.86B2.89B
Gross Profit158.33M241.72M479.45M689.43M767.57M867.45M1.00B1.55B518.54M658.64M886.16M1.04B1.04B1.14B4.78B1.73B1.86B2.33B3.20B2.19B2.46B5.44B
Gross Margin100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%33.95%29.89%33.10%33.07%30.84%29.96%63.44%36.29%37.55%40.49%46.25%29.85%29.61%65.29%
Operating Expense141.90M214.38M368.71M543.54M601.34M688.53M835.60M1.15B336.52M379.31M505.00M580.39M601.77M532.08M735.25M950.10M1.01B1.16B4.08B993.41M1.05B2.76B
Operating Income16.43M27.34M110.74M145.89M166.22M178.92M165.10M397.82M182.02M279.33M381.17M457.67M439.92M603.42M4.04B776.40M847.68M1.17B-882.56M1.19B1.42B2.68B
Operating Margin10.38%11.31%23.10%21.16%21.66%20.63%16.50%25.62%11.92%12.68%14.24%14.58%13.02%15.92%53.67%16.32%17.12%20.31%-12.77%16.30%17.04%32.13%
EBITDA17.86M30.21M123.24M169.25M189.07M203.51M171.84M844.22M923.40M1.11B1.27B2.14B847.01M975.94M966.38M1.17B1.28B-91.35M-708.56M1.81B2.15B2.87B
EBITDA Margin11.28%12.50%25.70%24.55%24.63%23.46%17.17%54.37%60.45%50.38%47.57%68.08%25.08%25.75%12.84%24.57%25.79%-1.59%-10.25%24.66%25.87%34.43%
Net Income10.83M17.13M58.07M89.77M97.09M91.81M93.80M154.32M58.13M249.26M340.40M292.92M486.86M566.48M602.17M646.96M697.69M920.91M950.27M1.03B1.27B1.74B
Net Income Margin6.84%7.09%12.11%13.02%12.65%10.58%9.37%9.94%3.81%11.31%12.72%9.33%14.41%14.95%8.00%13.60%14.09%16.04%13.75%14.11%15.31%20.86%
R&D---------19.62M24.32M31.13M33.73M-53.84M53.00M56.19M65.44M70.11M74.53M83.68M85.58M
R&D as % of Total Revenue---------0.89%0.91%0.99%1.00%-0.72%1.11%1.14%1.14%1.01%1.02%1.01%1.03%
Interest Expense28.00K1.81M718.00K4.94M36.20M5.81M4.99M140.60M168.27M111.51M85.98M59.86M54.94M28.00M34.30M45.30M38.45M33.63M35.88M33.85M32.81M40.30M
Interest Expense % of Total Revenue0.02%0.75%0.15%0.72%4.72%0.67%0.50%9.06%11.02%5.06%3.21%1.91%1.63%0.74%0.46%0.95%0.78%0.59%0.52%0.46%0.39%0.48%

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 Assets87.83M159.95M1.07B1.02B1.46B956.20M1.25B12.84B13.81B17.38B19.72B39.68B47.06B52.41B59.37B63.90B74.21B78.74B88.26B114.11B114.32B158.40B
Total Liabilities26.64M85.79M719.25M612.61M1.01B486.48M748.34M12.10B12.85B16.20B18.09B37.84B44.71B49.67B56.16B60.32B70.26B74.20B83.53B108.94B108.73B151.99B
Total Equity60.36M73.40M343.82M406.08M443.94M466.87M490.72M726.84M919.01M1.09B1.49B1.69B2.15B2.51B2.99B3.31B3.60B4.12B4.24B4.60B4.96B5.65B
Cash18.10M21.28M100.59M45.20M196.25M147.57M279.82M358.64M468.05M709.18M972.24M1.40B1.39B1.92B945.44M1.07B1.60B1.69B2.00B1.74B2.62B2.67B
Total Debt13.00K19.08M470.82M436.13M798.02M136.52M209.69M178.68M222.60M412.19M427.84M274.11M37.79M103.69M112.31M304.96M277.78M-73.61B80.60B201.42M223.36M339.18M
Net Debt-18.09M-2.20M370.23M390.93M601.77M-11.05M-70.14M-179.96M-245.45M-297.00M-544.40M-1.12B-1.35B-1.82B-833.13M-768.69M-1.33B-75.31B78.60B-1.54B-2.40B-2.33B

Cash Flow

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
Operating Cash Flow17.22M38.99M-112.99M187.13M59.66M518.32M229.57M-24.50M16.34M358.93M490.03M543.85M121.86M826.25M618.72M698.98M1.52B758.06M1.33B667.91M2.34B1.33B
Investing Cash Flow-1.77M-48.40M-9.90M-173.29M-258.21M226.48M-121.09M203.38M-18.66M-22.15M-39.59M16.14M32.58M-112.96M-1.36B-102.12M-450.96M-117.13M-60.77M-76.69M-199.28M-89.56M
Financing Cash Flow-3.18M12.60M59.02M-8.83M389.25M-793.25M21.12M-100.05M111.64M-98.87M-184.69M-142.25M-156.48M-176.88M-241.84M-477.13M-527.17M-567.62M-993.45M-858.24M-1.13B-1.30B
Capital Expenditure1.98M8.74M16.98M19.76M36.35M27.97M47.43M58.23M52.13M44.90M43.71M91.89M51.50M113.82M118.20M93.24M170.85M63.95M62.72M158.42M99.88M59.21M
Free Cash Flow15.24M30.25M-129.97M167.37M23.31M490.35M182.14M-82.72M-35.79M314.03M446.31M451.96M70.36M712.43M500.52M605.74M1.35B694.11M1.26B509.49M2.24B1.28B
Dividends Paid113.00K224.00K7.82M-60.78M64.51M60.85M76.13M119.43M137.94M142.58M158.46M181.00M209.08M255.82M282.73M307.78M350.58M431.98M492.08M623.41M686.33M
FCF to OCF88.48%77.59%115.03%89.44%39.07%94.60%79.34%337.67%-219.06%87.49%91.08%83.10%57.74%86.22%80.90%86.66%88.76%91.56%95.27%76.28%95.73%95.56%
Dividend Paid to FCF0.74%0.74%-6.01%-260.76%13.16%33.41%-92.03%-333.65%43.92%31.95%35.06%257.25%29.35%51.11%46.68%22.82%50.51%34.20%96.58%27.82%53.81%

Key Statistics & Ratios

Market Cap37.95B
Enterprise Value28.20B
Trailing P/E22.39
Forward P/E0.00
Price / Sales3.72
Price / Book7.08
EPS1.37
Book Value4.56
Revenue (TTM)10.21B
Gross Profit (TTM)4.73B
Profit Margin17.01%
Operating Margin26.72%
Return on Equity31.74%
Return on Assets1.40%
Shares Outstanding1.24B
Shares Float968.02M
Beta0.39
Dividend Yield2.12%
Dividend Rate0.65
Payout Ratio40.09%

Dividends

20231×
25.00May 3, 2023
20222×
11.00Nov 2, 202222.00May 4, 2022
20212×
10.00Oct 27, 202116.50May 5, 2021
20202×
8.00Oct 28, 202015.00May 6, 2020
20192×
7.50Oct 30, 201913.50May 7, 2019
20182×
7.00Oct 31, 201812.30May 9, 2018
20172×
5.70Oct 25, 201710.20May 10, 2017
20162×
5.10Oct 26, 20168.80May 9, 2016
20152×
4.40Oct 26, 20158.00May 4, 2015
20141×
4.00Oct 27, 2014