ASX:YBR

Stock Analysis Report

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Yellow Brick Road Holdings

Executive Summary

Yellow Brick Road Holdings Limited provides lending services in Australia. More Details


Snowflake Analysis

Fair value with questionable track record.


Similar Companies

Share Price & News

How has Yellow Brick Road Holdings's share price performed over time and what events caused price changes?


Latest Share Price and Events

Stable Share Price: YBR is not significantly more volatile than the rest of Australian stocks over the past 3 months, typically moving +/- 9% a week.

Volatility Over Time: YBR's weekly volatility (9%) has been stable over the past year.


Market Performance


7 Day Return

-3.6%

YBR

12.7%

AU Mortgage

1.7%

AU Market


1 Year Return

1.3%

YBR

-14.5%

AU Mortgage

-1.6%

AU Market

Return vs Industry: YBR exceeded the Australian Mortgage industry which returned -14.5% over the past year.

Return vs Market: YBR exceeded the Australian Market which returned -1.6% over the past year.


Shareholder returns

YBRIndustryMarket
7 Day-3.6%12.7%1.7%
30 Day-7.0%42.6%9.5%
90 Day2.6%52.8%9.2%
1 Year1.3%1.3%-11.9%-14.5%1.8%-1.6%
3 Year-44.8%-44.8%11.8%-12.2%24.8%9.2%
5 Year-74.2%-74.2%49.3%-7.9%56.1%25.0%

Long-Term Price Volatility Vs. Market

How volatile is Yellow Brick Road Holdings's share price compared to the market and industry in the last 5 years?


Simply Wall St News

Valuation

Is Yellow Brick Road Holdings undervalued compared to its fair value and its price relative to the market?

3.57x

Price to Earnings (PE) ratio


Share Price vs. Fair Value

Below Fair Value: Insufficient data to calculate YBR's fair value to establish if it is undervalued.

Significantly Below Fair Value: Insufficient data to calculate YBR's fair value to establish if it is undervalued.


Price To Earnings Ratio

PE vs Industry: YBR is good value based on its PE Ratio (3.6x) compared to the XO Mortgage industry average (16x).

PE vs Market: YBR is good value based on its PE Ratio (3.6x) compared to the Australian market (22.6x).


Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate YBR's PEG Ratio to determine if it is good value.


Price to Book Ratio

PB vs Industry: YBR is good value based on its PB Ratio (0.6x) compared to the AU Mortgage industry average (1.1x).


Next Steps

Future Growth

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

1.4%

Forecasted Banks industry annual growth in earnings


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 SimplyWall St do have past financial data.


Next Steps

Past Performance

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

-15.9%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: YBR has a large one-off gain of A$7.2M impacting its June 30 2020 financial results.

Growing Profit Margin: YBR became profitable in the past.


Past Earnings Growth Analysis

Earnings Trend: YBR has become profitable over the past 5 years, growing earnings by -15.9% per year.

Accelerating Growth: YBR has become profitable in the last year, making the earnings growth rate difficult to compare to its 5-year average.

Earnings vs Industry: YBR has become profitable in the last year, making it difficult to compare its past year earnings growth to the Mortgage industry (2.7%).


Return on Equity

High ROE: YBR's Return on Equity (15.9%) is considered low.


Next Steps

Financial Health

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


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet


Financial Institutions Analysis

Asset Level: YBR's Assets to Equity ratio (9.3x) is low.

Allowance for Bad Loans: Insufficient data to determine if YBR has a sufficient allowance for bad loans.

Low Risk Liabilities: YBR reports no customer deposits, 100% of its liabilities are made up of higher risk sources of funding.

Loan Level: Insufficient data to determine if YBR has an appropriate level of Loans to Assets ratio.

Low Risk Deposits: YBR reports no customer deposits, loans are made up entirely of externally borrowed funds.

Level of Bad Loans: Insufficient data to determine if YBR has an appropriate level of bad loans.


Next Steps

Dividend

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


Dividend Yield vs Market

Notable Dividend: Unable to evaluate YBR's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.

High Dividend: Unable to evaluate YBR's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.


Stability and Growth of Payments

Stable Dividend: Insufficient data to determine if YBR's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if YBR's dividend payments have been increasing.


Current Payout to Shareholders

Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: No need to calculate the sustainability of YBR's dividend in 3 years as they are not forecast to pay a notable one for the Australian market.


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?

AU$1m

CEO Compensation


CEO

Mark Bouris

no data

Tenure

AU$1,136,667

Compensation

Mr. Mark Leigh Bouris, AM, BCom (UNSW), MCom(UNSW),HonDBus(UNSW), Hon DLitt is the Principal of BBB Capital Pty Ltd. Mr. Bouris founded Wizard Mortgage Corporation of ECorp. Ltd. in 1995 and serves as its ...


CEO Compensation Analysis

Compensation vs Market: Mark's total compensation ($USD836.65K) is above average for companies of similar size in the Australian market ($USD280.83K).

Compensation vs Earnings: Mark's compensation has been consistent with company performance over the past year.


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

Company Information

Yellow Brick Road Holdings Limited's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Yellow Brick Road Holdings Limited
  • Ticker: YBR
  • Exchange: ASX
  • Founded: 2007
  • Industry: Thrifts and Mortgage Finance
  • Sector: Banks
  • Market Cap: AU$25.942m
  • Shares outstanding: 324.28m
  • Website: https://www.ybr.com.au

Number of Employees


Location

  • Yellow Brick Road Holdings Limited
  • 1 Chifley Square
  • Level 11
  • Sydney
  • New South Wales
  • 2000
  • Australia

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
YBRASX (Australian Securities Exchange)YesOrdinary SharesAUAUDMay 2011
YBRCHIA (Chi-X Australia)YesOrdinary SharesAUAUDMay 2011
YBRH.FOTCPK (Pink Sheets LLC)YesOrdinary SharesUSUSDMay 2011

Biography

Yellow Brick Road Holdings Limited provides lending services in Australia. It offers mortgage broking, aggregation, and management services; investment and wealth management services; and general insurance...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2020/11/27 07:04
End of Day Share Price2020/11/27 00:00
Earnings2020/06/30
Annual Earnings2020/06/30


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.