How does EIC's PE Ratio compare to its peers?

EIC is good value based on its Price-To-Earnings Ratio (0.6x) compared to the peer average (2.7x).

How does EIC's PE Ratio compare vs other companies in the Global Banks Industry?

EIC is good value based on its Price-To-Earnings Ratio (0.6x) compared to the Global Banks industry average (8.4x).

What is EIC's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

Insufficient data to calculate EIC's Price-To-Earnings Fair Ratio for valuation analysis.

What is the Fair Price of EIC when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

EIC (A$0.2) is trading below our estimate of [[fair value]] (A$0.32)

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

Insufficient data to show price forecast.

EIC Stock Overview

Heidelberg District Community Enterprise Limited operates franchised branches of Bendigo and Adelaide Bank Limited in Australia. More details

EIC fundamental analysis
Snowflake Score
Valuation	4/6
Future Growth	0/6
Past Performance	3/6
Financial Health	1/6
Dividends	3/6

Rewards

Trading at 38% below our estimate of its fair value

Became profitable this year

Risk Analysis

Earnings have declined by 10.9% per year over past 5 years

Does not have a meaningful market cap (A$460K)

Shares are highly illiquid

Does not have meaningful revenue (A$3M)

+ 1 more risk

My Notes

Capture your thoughts, links and company narrative

Heidelberg District Community Enterprise Limited Competitors

East Gosford & Districts Financial Services

NSX:EGF

AU$402.9k

Manningham Community Enterprises

NSX:DCE

AU$1.3m

Sunshine Coast Community Financial Services

NSX:SSC

AU$1.3m

Logan Community Financial Services

NSX:LCB

AU$2.1m

Price History & Performance

Summary of share price highs, lows and changes for Heidelberg District Community Enterprise
Historical stock prices
Current Share Price	AU$0.20
52 Week High	AU$0.20
52 Week Low	AU$0.20
Beta	0.15
1 Month Change	0%
3 Month Change	n/a
1 Year Change	0%
3 Year Change	n/a
5 Year Change	n/a
Change since IPO	-76.05%

Recent News & Updates

No updates

Recent updates

No updates

Shareholder Returns

	EIC	AU Banks	AU Market
7D	0%	-3.8%	-2.7%
1Y	0%	28.1%	6.5%

Return vs Industry: EIC matched the Australian Banks industry which returned -0.7% over the past year.

Return vs Market: EIC matched the Australian Market which returned 0% over the past year.

Price Volatility

Is EIC's price volatile compared to industry and market?
EIC volatility
EIC Average Weekly Movement	n/a
Banks Industry Average Movement	3.2%
Market Average Movement	8.0%
10% most volatile stocks in AU Market	16.8%
10% least volatile stocks in AU Market	3.1%

Stable Share Price: EIC has not had significant price volatility in the past 3 months.

Volatility Over Time: Insufficient data to determine EIC's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
2000	n/a	n/a	www.bendigobank.com.au/branch/vic/community-bank-east-ivanhoe/

Heidelberg District Community Enterprise Limited operates franchised branches of Bendigo and Adelaide Bank Limited in Australia. It provides home loans, term deposits, and call deposits under the brand of Bendigo Banks to individuals, businesses, and organizations. The company was incorporated in 2000 and is based in Ivanhoe East, Australia.

Heidelberg District Community Enterprise Limited Fundamentals Summary

How do Heidelberg District Community Enterprise's earnings and revenue compare to its market cap?
EIC fundamental statistics
Market cap	AU$459.68k
Earnings (TTM)	AU$833.39k
Revenue (TTM)	AU$2.60m

0.6x

P/E Ratio

0.2x

P/B Ratio

Is EIC overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
EIC income statement (TTM)
Revenue	AU$2.60m
Cost of Revenue	AU$0
Gross Profit	AU$2.60m
Other Expenses	AU$1.77m
Earnings	AU$833.39k

Last Reported Earnings

Dec 31, 2022

Next Earnings Date

n/a

Earnings per share (EPS)	0.36
Gross Margin	100.00%
Net Profit Margin	32.07%
Debt/Equity Ratio	0.05%

How did EIC perform over the long term?

See historical performance and comparison

Dividends

20.0%

Current Dividend Yield

11%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2023/05/30 08:11
End of Day Share Price	2023/03/03 00:00
Earnings	2022/12/31
Annual Earnings	2022/06/30

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

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.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Heidelberg District Community Enterprise Limited is covered by 0 analysts. of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution