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Yellow Brick Road Holdings

ASX:YBR
Snowflake Description

Overvalued with worrying balance sheet.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
YBR
ASX
A$20M
Market Cap
  1. Home
  2. AU
  3. Banks
Company description

Yellow Brick Road Holdings Limited provides lending services in Australia. The last earnings update was 135 days ago. More info.


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YBR Share Price and Events
7 Day Returns
-13.8%
ASX:YBR
0.1%
AU Mortgage
0%
AU Market
1 Year Returns
-27.4%
ASX:YBR
4.7%
AU Mortgage
4.8%
AU Market
YBR Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
Yellow Brick Road Holdings (YBR) -13.8% -1.4% 11.3% -27.4% -64.6% -90.1%
AU Mortgage 0.1% 4.2% 19.5% 4.7% -0.1% -28.1%
AU Market 0% 0.9% 6.8% 4.8% 20.1% 12.2%
1 Year Return vs Industry and Market
  • YBR underperformed the Mortgage industry which returned 4.7% over the past year.
  • YBR underperformed the Market in Australia which returned 4.8% over the past year.
Price Volatility
YBR
Industry
5yr Volatility vs Market

Value

 Is Yellow Brick Road Holdings undervalued based on future cash flows and its price relative to the stock market?

Value is all about what a company is worth versus what price it is available for. If you went into a grocery store and all the bananas were on sale at half price, they could be considered undervalued.
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
  • It is not possible to calculate the future cash flow value for Yellow Brick Road Holdings. This is due to cash flow or dividend data being unavailable. The share price is A$0.069.
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing when they are out of season, or how much your home is worth.

The amount the stock market is willing to pay for Yellow Brick Road Holdings's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are Yellow Brick Road Holdings's earnings available for a low price, and how does this compare to other companies in the same industry?
Raw Data
ASX:YBR PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2018-12-31) in AUD A$-0.12
ASX:YBR Share Price ** ASX (2019-07-18) in AUD A$0.07
Global Mortgage Industry PE Ratio Median Figure of 173 Publicly-Listed Mortgage Companies 13.61x
Australia Market PE Ratio Median Figure of 546 Publicly-Listed Companies 16.1x

* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.

** Primary Listing of Yellow Brick Road Holdings.

ASX:YBR PE (Price to Earnings) Ratio Calculation
Calculation Outcome
PE Ratio

= ASX:YBR Share Price ÷ EPS (both in AUD)

= 0.07 ÷ -0.12

-0.56x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Yellow Brick Road Holdings is loss making, we can't compare its value to the Global Mortgage industry average.
  • Yellow Brick Road Holdings is loss making, we can't compare the value of its earnings to the Australia market.
Price based on expected Growth
Does Yellow Brick Road Holdings's expected growth come at a high price?
Raw Data
ASX:YBR PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section -0.56x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 0 Analysts
Not available
Global Mortgage Industry PEG Ratio Median Figure of 71 Publicly-Listed Mortgage Companies 1.15x
Australia Market PEG Ratio Median Figure of 361 Publicly-Listed Companies 1.38x

*Line of best fit is calculated by linear regression .

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unable to calculate PEG ratio for Yellow Brick Road Holdings, we can't assess if its growth is good value.
Price based on value of assets
What value do investors place on Yellow Brick Road Holdings's assets?
Raw Data
ASX:YBR PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2018-12-31) in AUD A$0.14
ASX:YBR Share Price * ASX (2019-07-18) in AUD A$0.07
Australia Mortgage Industry PB Ratio Median Figure of 6 Publicly-Listed Mortgage Companies 1.13x
Australia Market PB Ratio Median Figure of 1,693 Publicly-Listed Companies 1.7x
ASX:YBR PB (Price to Book) Ratio Calculation
Calculation Outcome
PB Ratio

= ASX:YBR Share Price ÷ Book Value per Share (both in AUD)

= 0.07 ÷ 0.14

0.5x

* Primary Listing of Yellow Brick Road Holdings.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Yellow Brick Road Holdings is good value based on assets compared to the AU Mortgage industry average.
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Value checks
We assess Yellow Brick Road Holdings's value by looking at:
  1. Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
  2. Is the PE ratio less than the market average, and/ or less than the Mortgage industry average (and greater than 0)? (2 checks)
  3. Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
  4. Is the PB ratio less than the Mortgage industry average (and greater than 0)? (1 check)
  5. Yellow Brick Road Holdings has a total score of 1/6, see the detailed checks below.

    Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.

    Full details on the Value part of the Simply Wall St company analysis model.

Future Performance

 How is Yellow Brick Road Holdings expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Yellow Brick Road Holdings has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by Simply Wall St do have past financial data. You can see them here.

Show me the analysis anyway

The future performance of a company is measured in the same way as past performance, by looking at estimated growth and how much profit it is expected to make.

Future estimates come from professional analysts. Just like forecasting the weather, they don’t always get it right!
Annual Growth Rate
5%
Expected Mortgage industry annual growth in earnings.
Earnings growth vs Low Risk Savings
Is Yellow Brick Road Holdings expected to grow at an attractive rate?
  • Unable to compare Yellow Brick Road Holdings's earnings growth to the low risk savings rate as no estimate data is available.
Growth vs Market Checks
  • Unable to compare Yellow Brick Road Holdings's earnings growth to the Australia market average as no estimate data is available.
  • Unable to compare Yellow Brick Road Holdings's revenue growth to the Australia market average as no estimate data is available.
Annual Growth Rates Comparison
Raw Data
ASX:YBR Future Growth Rates Data Sources
Data Point Source Value (per year)
Global Mortgage Industry Earnings Growth Rate Market Cap Weighted Average 5%
Global Mortgage Industry Revenue Growth Rate Market Cap Weighted Average -13.6%
Australia Market Earnings Growth Rate Market Cap Weighted Average 7.4%
Australia Market Revenue Growth Rate Market Cap Weighted Average 3.3%

*Line of best fit is calculated by linear regression .

Industry and Market average data is calculated daily.

Learn more about our growth rate calculations in Simply Wall St’s analysis model.

Analysts growth expectations
Raw Data
ASX:YBR Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (6 months ago) See Below
Future Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below
All numbers in AUD Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
ASX:YBR Past Financials Data
Date (Data in AUD Millions) Revenue Cash Flow Net Income *
2018-12-31 213 1 -35
2018-09-30 221 2 -18
2018-06-30 229 2 -1
2018-03-31 227 2 0
2017-12-31 225 1 1
2017-09-30 222 0 1
2017-06-30 220 -2 1
2017-03-31 214 -2 -2
2016-12-31 207 -2 -5
2016-09-30 212 -2 -7
2016-06-30 216 -2 -10

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • Unable to determine if Yellow Brick Road Holdings is high growth as no earnings estimate data is available.
  • Unable to determine if Yellow Brick Road Holdings is high growth as no revenue estimate data is available.
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can be gauged below. We look back 3 years and see if they were any good at predicting what actually occurred. We also show the highest and lowest estimates looking forward to see if there is a wide range.
Raw Data
ASX:YBR Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (6 months ago) See Below
Future Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below

All data from Yellow Brick Road Holdings Company Filings, last reported 6 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

ASX:YBR Past Financials Data
Date (Data in AUD Millions) EPS *
2018-12-31 -0.12
2018-09-30 -0.06
2018-06-30 0.00
2018-03-31 0.00
2017-12-31 0.00
2017-09-30 0.00
2017-06-30 0.00
2017-03-31 -0.01
2016-12-31 -0.02
2016-09-30 -0.03
2016-06-30 -0.03

*GAAP earnings excluding extraordinary items.

Performance in 3 years
In the same way as past performance we look at the future estimated return (profit) compared to the available funds. We do this looking forward 3 years.
  • Unable to establish if Yellow Brick Road Holdings will efficiently use shareholders’ funds in the future without estimates of Return on Equity.

Next steps:

  1. Take a look at our analysis of YBR’s management and see if the CEO’s compensation is within a reasonable range, who is on the board and if insiders have been trading lately.
  2. Yellow Brick Road Holdings's future outlook can be gauged by looking at industry trends and market size, and determining how well-positioned the company is compared to its competitors. Take a look at other high-growth Banks companies here
  3. Yellow Brick Road Holdings's competitive advantages and company strategy can generally be found in its financial reports archived here.
  4. Use fundamentals to screen for another stock to analyse from our database of over 75,000 companies worldwide
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Future performance checks
We assess Yellow Brick Road Holdings's future performance by looking at:
  1. Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
  2. Is the annual earnings growth rate expected to beat the average growth rate in earnings of the Global market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the Global market? (1 check)
  4. Is the annual earnings growth rate expected to be above 20%? (1 check)
  5. Is the annual revenue growth rate expected to be above 20%? (1 check)
  6. Is the Return on Equity in 3 years expected to be over 20%? (1 check)
Some of the above checks will fail if the company is expected to be loss making in the relevant year.
Yellow Brick Road Holdings has a total score of 0/6, see the detailed checks below.

Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.

Full details on the Future part of the Simply Wall St company analysis model.

Past Performance

  How has Yellow Brick Road Holdings performed over the past 5 years?

The past performance of a company can be measured by how much growth it has experienced and how much profit it makes relative to the funds and assets it has available.
Past earnings growth
Below we compare Yellow Brick Road Holdings's growth in the last year to its industry (Mortgage).
Past Earnings growth analysis
We also check if the company has grown in the past 5 years, and whether it has maintained that growth in the year.
  • Yellow Brick Road Holdings does not make a profit and their year on year earnings growth rate was negative over the past 5 years.
  • Unable to compare Yellow Brick Road Holdings's 1-year earnings growth to the 5-year average as it is not currently profitable.
  • Unable to compare Yellow Brick Road Holdings's 1-year growth to the Global Mortgage industry average as it is not currently profitable.
Earnings and Revenue History
Yellow Brick Road Holdings's revenue and profit over the past 5 years is shown below, any years where they have experienced a loss will show up in red.
Raw Data

All data from Yellow Brick Road Holdings Company Filings, last reported 6 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

ASX:YBR Past Revenue, Cash Flow and Net Income Data
Date (Data in AUD Millions) Revenue Net Income * G+A Expenses R&D Expenses
2018-12-31 213.20 -35.04 14.54
2018-09-30 221.31 -17.85 13.87
2018-06-30 229.42 -0.66 13.20
2018-03-31 227.21 0.11 12.91
2017-12-31 225.01 0.88 12.63
2017-09-30 222.48 1.06 12.38
2017-06-30 219.95 1.25 12.14
2017-03-31 213.57 -1.88 13.50
2016-12-31 207.20 -5.00 14.87
2016-09-30 211.57 -7.29 16.34
2016-06-30 215.94 -9.57 17.82
2015-12-31 218.05 -3.42 14.47
2015-09-30 190.34 -3.56 14.83
2015-06-30 162.63 -3.71 15.19
2015-03-31 121.18 -6.00 14.17
2014-12-31 76.03 -9.45 12.84
2014-09-30 54.04 -9.10 10.14
2014-06-30 32.06 -8.76 7.43
2014-03-31 31.45 -7.59 8.11
2013-12-31 30.84 -6.43 8.80
2013-09-30 27.93 -6.50 8.36
2013-06-30 25.01 -6.58 7.93
2013-03-31 21.38 -6.86 7.11
2012-12-31 17.75 -7.14 6.29
2012-09-30 16.30 -6.98 5.88

*GAAP earnings excluding extraordinary items.

Performance last year
We want to ensure a company is making the most of what it has available. This is done by comparing the return (profit) to a company's available funds, assets and capital.
  • It is difficult to establish if Yellow Brick Road Holdings has efficiently used shareholders’ funds last year (Return on Equity greater than 20%) as it is loss-making.
  • It is difficult to establish if Yellow Brick Road Holdings has efficiently used its assets last year compared to the Global Mortgage industry average (Return on Assets) as it is loss-making.
  • It is difficult to establish if Yellow Brick Road Holdings improved its use of capital last year versus 3 years ago (Return on Capital Employed) as it is currently loss-making.
X
Past performance checks
We assess Yellow Brick Road Holdings's performance over the past 5 years by checking for:
  1. Has earnings increased in past 5 years? (1 check)
  2. Has the earnings growth in the last year exceeded that of the Mortgage industry? (1 check)
  3. Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
  4. Is the Return on Equity (ROE) higher than 20%? (1 check)
  5. Is the Return on Assets (ROA) above industry average? (1 check)
  6. Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent earnings report. Some checks require at least 3 or 5 years worth of data.
Yellow Brick Road Holdings has a total score of 0/6, see the detailed checks below.

Note: We use GAAP Net Income excluding extraordinary items in all our calculations.

Full details on the Past part of the Simply Wall St company analysis model.

Health

 How is Yellow Brick Road Holdings's financial position? (This company is analysed differently as a bank or financial institution)

This company is a bank or financial institution.

Fundamentally a bank's business is based upon borrowing and lending money, for this reason they typically have high levels of debt and we analyse them differently.
Net Worth
Balance sheet
This treemap shows a more detailed breakdown of Yellow Brick Road Holdings's finances. If any of them are yellow this indicates they may be out of proportion and red means they relate to one of the checks below.
Assets
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
Historical Debt
Nearly all companies have debt. Debt in itself isn’t bad, however if the debt is too high, or the company can’t afford to pay the interest on its debts this may have impacts in the future.

The graphic below shows equity (available funds) and debt, we ideally want to see the red area (debt) decreasing.

If there is any debt we look at the companies capability to repay it, and whether the level has increased over the past 5 years.
Raw Data

All data from Yellow Brick Road Holdings Company Filings, last reported 6 months ago.

ASX:YBR Past Debt and Equity Data
Date (Data in AUD Millions) Total Equity Total Debt Cash & Short Term Investments
2018-12-31 38.83 8.10 5.18
2018-09-30 38.83 8.10 5.18
2018-06-30 73.02 8.65 5.89
2018-03-31 73.02 8.65 5.89
2017-12-31 73.81 8.63 4.65
2017-09-30 73.81 8.63 4.65
2017-06-30 73.32 8.57 5.54
2017-03-31 73.32 8.57 5.54
2016-12-31 72.38 8.51 6.43
2016-09-30 72.38 8.51 6.43
2016-06-30 71.67 7.40 7.32
2015-12-31 76.18 4.71 7.59
2015-09-30 76.18 4.71 7.59
2015-06-30 79.92 4.71 11.25
2015-03-31 79.92 4.71 11.25
2014-12-31 78.12 4.67 11.10
2014-09-30 78.12 4.67 11.10
2014-06-30 25.09 5.11 12.58
2014-03-31 25.09 5.11 12.58
2013-12-31 30.36 4.98 15.02
2013-09-30 30.36 4.98 15.02
2013-06-30 33.65 4.92 18.72
2013-03-31 33.65 4.92 18.72
2012-12-31 26.58 4.90 11.72
2012-09-30 26.58 4.90 11.72
BANK ANALYSIS

This company is a bank or financial institution, which is analysed accordingly below.

Below we check the amount of loans the bank has, how many of those are bad, and its ability to cover any bad loans.
  • Unable to establish if Yellow Brick Road Holdings has an acceptable proportion of non-loan assets without balance sheet data.
  • Unable to establish if Yellow Brick Road Holdings's liabilities are primarily made up of low risk funding sources without deposits or liabilities data.
  • Yellow Brick Road Holdings reports no customer deposits, loans are made up entirely of borrowed funds.
  • Yellow Brick Road Holdings's level of assets compared to its equity is low (i.e. an appropriate level of borrowing to fund lending).
  • Unable to establish if Yellow Brick Road Holdings has a sufficient allowance for bad loans without relevant financial data.
  • Unable to establish if Yellow Brick Road Holdings has an acceptable level of bad loans without bad loans data.
X
Financial health checks
We assess Yellow Brick Road Holdings's financial health by checking for:
  1. Are short term assets greater than short term liabilities? (1 check)
  2. Are short term assets greater than long term liabilities? (1 check)
  3. Has the debt to equity ratio increased in the past 5 years? (1 check)
  4. Is the debt to equity ratio over 40%? (1 check)
  5. Is the debt covered by operating cash flow? (1 check)
  6. Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check)
  7. Yellow Brick Road Holdings has a total score of 1/6, see the detailed checks below.
For companies that are loss making and have been so on average in the past we replace the last 2 checks with:
  1. Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
  2. Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)


Full details on the Health part of the Simply Wall St company analysis model.

Dividends

 What is Yellow Brick Road Holdings's current dividend yield, its reliability and sustainability?

Dividends are regular cash payments to you from the company, similar to a bank paying you interest on a savings account.
Annual Dividend Income
Dividend payments
0%
Current annual income from Yellow Brick Road Holdings dividends.
If you bought A$2,000 of Yellow Brick Road Holdings shares you are expected to receive A$0 in your first year as a dividend.
Dividend Amount
Here we look how much dividend is being paid, if any. Is it above what you can get in a savings account? It is up there with the best dividend paying companies?
  • Unable to evaluate Yellow Brick Road Holdings's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.
  • Unable to evaluate Yellow Brick Road Holdings's dividend against the top 25% market benchmark as the company has not reported any payouts.
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not wildly increasing/decreasing each year. This graph shows you the historical rate to count toward your assessment of the stock.

We also check to see if the dividend has increased in the past 10 years.
Raw Data
ASX:YBR Annualized Past and Future Dividends
Data Point Source Value
Past Annualized Dividend Yield S&P Global Market Data See Below
Past Dividends per Share Company Filings/ Annualized Dividend Payments See Below
Future Dividends per Share Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below
Global Mortgage Industry Average Dividend Yield Market Cap Weighted Average of 132 Stocks 2.4%
Australia Market Average Dividend Yield Market Cap Weighted Average of 415 Stocks 4%
Australia Minimum Threshold Dividend Yield 10th Percentile 1.4%
Australia Bottom 25% Dividend Yield 25th Percentile 2.5%
Australia Top 25% Dividend Yield 75th Percentile 5.8%

Industry and Market average data is calculated daily.

Note all dividend per share amounts are annualized and not quarterly or other period.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unable to perform a dividend volatility check as Yellow Brick Road Holdings has not reported any payouts.
  • Unable to verify if Yellow Brick Road Holdings's dividend has been increasing as the company has not reported any payouts.
Current Payout to shareholders
What portion of Yellow Brick Road Holdings's earnings are paid to the shareholders as a dividend.
  • Unable to calculate sustainability of dividends as Yellow Brick Road Holdings has not reported any payouts.
Future Payout to shareholders
  • Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.
X
Income/ dividend checks
We assess Yellow Brick Road Holdings's dividend by checking for:
  1. Firstly is the company paying a notable dividend (greater than 1.4%) - if not then the rest of the checks are ignored.
  2. Is current dividend yield above the bottom 25% of dividend payers? (1 check)
  3. Is current dividend yield above the top 25% of dividend payers? (1 check)
  4. Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
  5. If they have paid a dividend for 10 years has it increased in this time? (1 check)
  6. How sustainable is the dividend, can Yellow Brick Road Holdings afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
  7. Yellow Brick Road Holdings has a total score of 0/6, see the detailed checks below.


Full details on the Dividends part of the Simply Wall St company analysis model.

Management

 What is the CEO of Yellow Brick Road Holdings's salary, the management and board of directors tenure and is there insider trading?

Management is one of the most important areas of a company. We look at unreasonable CEO compensation, how long the team and board of directors have been around for and insider trading.
CEO
Frank Ganis
COMPENSATION A$25,000
TENURE AS CEO 0.8 years
CEO Bio

Mr. Frank Ganis serves as Chief Executive Officer of Yellow Brick Road Holdings Limited since October 2018. He was instrumental in the restructuring, transformation and growth of the Australian mortgage industry, over a 28-year tenure at Macquarie Group. Mr. Ganis was responsible for the launch of Macquarie's Mortgages and Securitisation business and establishing the PUMA Program as a leading Australian issuer of residential mortgage- backed securities. During his 28 years at Macquarie, he was oversight of Macquarie's key strategic retail banking alliances and relationships and was responsible for the development, delivery and funding of financial products and services, designed to be used and distributed directly and by external financial intermediaries (financial planners, advisers and mortgage brokers). He was an Executive Director at Macquarie for more than 17 years. He has over 35 years of experience in banking and finance. Mr. Ganis was a Non-Executive Director at Yellow Brick Road Holdings Limited since August 14, 2017 until January 18, 2018. Mr. Ganis is a recognised as a pioneer and influential industry leader in Australia.

CEO Compensation
  • Insufficient data for Frank to compare compensation growth.
  • Frank's remuneration is lower than average for companies of similar size in Australia.
Management Team Tenure

Average tenure of the Yellow Brick Road Holdings management team in years:

1.8
Average Tenure
  • The average tenure for the Yellow Brick Road Holdings management team is less than 2 years, this suggests a new team.
Management Team

Mark Bouris

TITLE
Executive Chairman
COMPENSATION
A$897K

Frank Ganis

TITLE
Chief Executive Officer
COMPENSATION
A$25K
TENURE
0.8 yrs

Richard Shaw

TITLE
CFO & Company Secretary
COMPENSATION
A$338K
TENURE
9 yrs

Adam Youkhana

TITLE
General Manager of Wealth
COMPENSATION
A$328K
TENURE
2.8 yrs

Clive Kirkpatrick

TITLE
General Manager of Lending
COMPENSATION
A$333K
TENURE
0.8 yrs
Board of Directors

Mark Bouris

TITLE
Executive Chairman
COMPENSATION
A$897K

Adrian Bouris

TITLE
Non-Executive Director
COMPENSATION
A$75K
TENURE
8.4 yrs

John George

TITLE
Non-Executive Director
COMPENSATION
A$75K
TENURE
3.1 yrs
Who owns this company?
Recent Insider Trading
  • No 3 month individual insider trading information.
Recent Insider Transactions
Announced Type Name Entity Role Start End Shares Max Price (A$) Value (A$)
05. Dec 18 Buy Mark Bouris Individual 29. Nov 18 29. Nov 18 2,317,995 A$0.10 A$231,800
02. Nov 18 Buy Christopher Ellison Individual 21. Sep 18 30. Oct 18 4,237,000 A$0.11 A$450,050
X
Management checks
We assess Yellow Brick Road Holdings's management by checking for:
  1. Is the CEO's compensation unreasonable compared to market cap? (1 check)
  2. Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
  3. Is the average tenure of the management team less than 2 years? (1 check)
  4. Is the average tenure of the board of directors team less than 3 years? (1 check)
  5. Yellow Brick Road Holdings has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.


Note: We use the top 6 management executives and board members in our calculations.

Note 2: Insider trading include any internal stakeholders and these transactions .

Full details on the Management part of the Simply Wall St company analysis model.

News

Simply Wall St News

Does Yellow Brick Road Holdings Limited's (ASX:YBR) PE Ratio Signal A Selling Opportunity?

I am writing today to help inform people who are new to the stock market. … and want to begin learning the link between Yellow Brick Road Holdings Limited (ASX:YBR)’s fundamentals and stock market performance. … Yellow Brick Road Holdings Limited (ASX:YBR) is trading with a trailing P/E of 29.3x, which is higher than the industry average of 20x.

Simply Wall St -

Should You Be Tempted To Sell Yellow Brick Road Holdings Limited (ASX:YBR) Because Of Its PE Ratio?

It compares a stock’s price per share to the stock’s earnings per share. … Formula Price-Earnings Ratio = Price per share ÷ Earnings per share P/E Calculation for YBR Price per share = A$0.14 Earnings per share = A$0.003 ∴ Price-Earnings Ratio = A$0.14 ÷ A$0.003 = 43.4x The P/E ratio itself doesn’t tell you a lot; however, it becomes very insightful when you compare it with other similar companies. … At 43.4x, YBR’s P/E is higher than its industry peers (19.6x).

Simply Wall St -

Breaking Down Yellow Brick Road Holdings Limited's (ASX:YBR) Ownership Structure

With this size of ownership, retail investors can collectively play a role in major company policies that affect shareholders returns, including executive remuneration and the appointment of directors. … However, an ownership of this size may be relatively insignificant, meaning that these shareholders may not have the potential to influence YBR's business strategy. … Thus, investors not need worry too much about the consequences of these holdings.Next Steps: YBR's considerably high level of institutional ownership calls for further analysis into its margin of safety.

Simply Wall St -

Should You Be Concerned About Yellow Brick Road Holdings Limited's (ASX:YBR) Risks?

Every stock in the market is exposed to this risk, which arises from macroeconomic factors such as economic growth and geo-political tussles just to name a few. … Based on this beta value, YBR appears to be a stock that an investor with a high-beta portfolio would look for to reduce risk exposure to the market. … This is an interesting conclusion, since both YBR’s size and industry indicates the stock should have a higher beta than it currently has.

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What You Must Know About Yellow Brick Road Holdings Limited's (ASX:YBR) Return on Equity

See our latest analysis for Yellow Brick Road Holdings Breaking down ROE — the mother of all ratios Firstly, Return on Equity, or ROE, is simply the percentage of last years’ earning against the book value of shareholders’ equity. … Return on Equity = Net Profit ÷ Shareholders Equity ROE is measured against cost of equity in order to determine the efficiency of Yellow Brick Road Holdings’s equity capital deployed. … Since Yellow Brick Road Holdings’s return does not cover its cost, with a difference of -6.83%, this means its current use of equity is not efficient and not sustainable.

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Is Yellow Brick Road Holdings Limited (ASX:YBR) A Sell At Its Current PE Ratio?

Formula Price-Earnings Ratio = Price per share ÷ Earnings per share P/E Calculation for YBR Price per share = A$0.12 Earnings per share = A$0.004 ∴ Price-Earnings Ratio = A$0.12 ÷ A$0.004 = 27.1x The P/E ratio itself doesn’t tell you a lot; however, it becomes very insightful when you compare it with other similar companies. … For example, if you are inadvertently comparing riskier firms with YBR, then YBR’s P/E would naturally be higher than its peers since investors would reward its lower risk with a higher price. … If this assumption does not hold true, YBR’s higher P/E ratio may be because firms in our peer group are being undervalued by the market.

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What Are The Drivers Of Yellow Brick Road Holdings Limited's (ASX:YBR) Risks?

Generally, an investor should consider two types of risk that impact the market value of YBR. … With a beta of 1.11, Yellow Brick Road Holdings is a stock that tends to experience more gains than the market during a growth phase and also a bigger reduction in value compared to the market during a broad downturn. … With a market cap of AUD A$42.32M, YBR falls within the small-cap spectrum of stocks, which are found to experience higher relative risk compared to larger companies.

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Is Yellow Brick Road Holdings Limited (ASX:YBR) A Financial Leader?

Given the lack of analyst consensus in YBR’s outlook, we could potentially assume the stock’s growth rate broadly follows its diversified financial services industry peers. … ASX:YBR PE PEG Gauge Nov 14th 17 Financial services companies are typically trading at a PE of 18x, in-line with the Australian stock market PE of 17x. … On the stock-level, YBR is trading at a higher PE ratio of 34x, making it more expensive than the average diversified financial services stock.

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Should You Be Concerned About Yellow Brick Road Holdings Limited's (ASX:YBR) Investors?

This size of ownership gives retail investors collective power in deciding on major policy decisions such as executive compensation, appointment of directors and acquisitions of businesses. … This level of ownership gives retail investors the power to sway key policy decisions such as board composition, executive compensation, and potential acquisitions? … The company's high institutional ownership makes margin of safety a very important consideration to existing investors since long bull and bear trends often emerge when these big-ticket investors see a change in long-term potential of the company.

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Company Info

Description

Yellow Brick Road Holdings Limited provides lending services in Australia. It operates through two segments, Lending and Wealth Management. The company offers mortgage broking, aggregation, and management services; financial planning services; insurance for home, car, content, life, future, residential property, business, and rental income insurance products; and superannuation services. It also provides investment and wealth management services. The company was formerly known as ITS Capital Investments Limited and changed its name to Yellow Brick Road Holdings Limited in May 2011. Yellow Brick Road Holdings Limited was founded in 2007 and is headquartered in Sydney, Australia.

Details
Name: Yellow Brick Road Holdings Limited
YBR
Exchange: ASX
Founded: 2007
A$19,616,749
284,300,722
Website: http://www.ybr.com.au
Address: Yellow Brick Road Holdings Limited
1 Chifley Square,
Level 11,
Sydney,
New South Wales, 2000,
Australia
Listings
Exchange Symbol Ticker Symbol Security Exchange Country Currency Listed on
ASX YBR Ordinary Shares Australian Securities Exchange AU AUD 29. May 2011
OTCPK YBRH.F Ordinary Shares Pink Sheets LLC US USD 29. May 2011
CHIA YBR Ordinary Shares Chi-X Australia AU AUD 29. May 2011
Number of employees
Current staff
Staff numbers
131
Yellow Brick Road Holdings employees.
Industry
Thrifts and Mortgage Finance
Banks
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2019/07/20 10:37
End of day share price update: 2019/07/18 00:00
Last earnings filing: 2019/03/07
Last earnings reported: 2018/12/31
Last annual earnings reported: 2018/06/30


All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.