Lower Debt Costs And Urban Demand Will Expand Lending

AN

AnalystConsensusTarget

AnalystConsensusTarget

Not Invested

Based on Analyst Price Targets

Published

24 Sep 24

Updated

01 May 25

Views

45

n/a

n/a

AnalystConsensusTarget's Fair Value

n/a

1Y

1.1%

7D

0.7%

Loading

1Y

1.1%

7D

0.7%

You can edit this narrative until May 12 6:00 AM. Then, changes will post as Updates.

Author's Valuation

US$12.8311.1% undervalued

AnalystConsensusTarget Fair Value

Shared on 01 May 25

Fair value Increased 9.31%

Shared on 23 Apr 25

Fair value Decreased 5.70%

AnalystConsensusTarget has increased revenue growth from 5.7% to 7.1%.

Shared on 17 Apr 25

Fair value Decreased 2.67%

AnalystConsensusTarget has increased profit margin from 29.4% to 33.3% and decreased future PE multiple from 21.3x to 18.8x.

Shared on 09 Apr 25

Fair value Increased 2.42%

Shared on 02 Apr 25

Fair value Decreased 5.16%

AnalystConsensusTarget made no meaningful changes to valuation assumptions.

Shared on 26 Mar 25

AnalystConsensusTarget made no meaningful changes to valuation assumptions.

Shared on 19 Mar 25

AnalystConsensusTarget has decreased revenue growth from 7.6% to 5.7%, increased profit margin from 29.4% to 34.4% and decreased future PE multiple from 20.2x to 18.2x.

Shared on 11 Mar 25

Fair value Increased 3.29%

AnalystConsensusTarget has decreased revenue growth from 9.3% to 7.6%, decreased profit margin from 39.2% to 29.4% and increased future PE multiple from 15.5x to 20.2x.

AnalystConsensusTarget Fair Value

US$12.83

11.1% undervalued

Future estimation in

Growth p.a.

Growth p.a.

%

Decrease

Increase

Current revenue growth rate

16.25%

Mortgage REITs revenue growth rate

0.67%

Risk Level (Discount Rate)

Our default considers factors like the company's size, volatility, profitablity and country of operation.

%

0

Decrease

Increase

Current discount rate

9.17%

Calculation

US$113.48m

Earnings '28

x

17.35x

PE Ratio '28

=

US$1.97b

Market Cap '28

US$1.97b

Market Cap '28

/

126.93m

No. shares '28

=

US$15.51

Share Price '28

US$15.51 Share Price '28

Discounted to 2025 @ 6.78% p.a.

=

US$12.74

Fair Value '25