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Shrinking Enrollments And Rising Credit Risks Will Erode Margins
AN
AnalystLowTarget
Not Invested
Consensus Narrative from 10 Analysts
Published
22 Jun 25
Updated
09 Aug 25
0
Set Fair Value
0
votes
Share
AnalystLowTarget
's Fair Value
US$10.09
30.6% overvalued
intrinsic discount
09 Aug
US$13.18
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1Y
-13.0%
7D
5.9%
Author's Valuation
US$10.1
30.6% overvalued
intrinsic discount
AnalystLowTarget Fair Value
View Valuation
Narrative
Updates
0
Valuator
Company Info
Notes
AnalystLowTarget Fair Value
US$10.1
30.6% overvalued
intrinsic discount
Future estimation in
3 Years
time period
Past
Future
0
3b
2014
2017
2020
2023
2025
2026
2028
Revenue US$720.1m
Earnings US$243.0m
Revenue
Profit Margin
Future PE
Revenue
% p.a.
0
Decrease
Increase
Current revenue growth rate
3.77%
Consumer Finance revenue growth rate
0.85%
Other Inputs & Calculation
Risk Level (Discount Rate)
Our default considers factors like the company's size, volatility, profitablity and country of operation.
Risk Level (Discount Rate)
%
0
Decrease
Increase
Current discount rate
12.32%
Calculation
US$242.98m
Earnings '28
x
4.65x
PE Ratio '28
=
US$1.13b
Market Cap '28
US$1.13b
Market Cap '28
/
79.98m
No. shares '28
=
US$14.13
Share Price '28
US$14.13
Share Price '28
Discounted to 2025 @ 12.32% p.a.
=
US$9.97
Fair Value '25