EIC Stock Overview
Heidelberg District Community Enterprise Limited operates franchised branches of Bendigo and Adelaide Bank Limited in Australia.
Heidelberg District Community Enterprise Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||AU$0.20|
|52 Week High||AU$0.40|
|52 Week Low||AU$0.20|
|1 Month Change||0%|
|3 Month Change||n/a|
|1 Year Change||n/a|
|3 Year Change||n/a|
|5 Year Change||n/a|
|Change since IPO||-76.05%|
Recent News & Updates
|EIC||AU Banks||AU Market|
Return vs Industry: Insufficient data to determine how EIC performed against the Australian Banks industry.
Return vs Market: Insufficient data to determine how EIC performed against the Australian Market.
|EIC Average Weekly Movement||n/a|
|Banks Industry Average Movement||3.6%|
|Market Average Movement||10.5%|
|10% most volatile stocks in AU Market||17.6%|
|10% least volatile stocks in AU Market||4.6%|
Stable Share Price: Insufficient data to determine EIC's volatility over the past 3 months.
Volatility Over Time: Insufficient data to determine EIC's volatility change over the past year.
About the Company
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 Fundamentals Summary
|EIC fundamental statistics|
Is EIC overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|EIC income statement (TTM)|
|Cost of Revenue||AU$0|
Last Reported Earnings
Jun 30, 2021
Next Earnings Date
|Earnings per share (EPS)||-0.013|
|Net Profit Margin||-1.62%|
How did EIC perform over the long term?See historical performance and comparison
10.0%Current Dividend Yield
Is EIC undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score 4/6
Price-To-Book vs Peers
Price-To-Book vs Industry
Price-To-Book vs Fair Ratio
Below Fair Value
Significantly Below Fair Value
Key Valuation Metric
Which metric is best to use when looking at relative valuation for EIC?
Other financial metrics that can be useful for relative valuation.
|What is EIC's n/a Ratio?|
Price to Book Ratio vs Peers
How does EIC's PB Ratio compare to its peers?
|EIC PB Ratio vs Peers|
|Company||PB||Estimated Growth||Market Cap|
DCE Manningham Community Enterprises
LCB Logan Community Financial Services
BBC BNK Banking
YBR Yellow Brick Road Holdings
EIC Heidelberg District Community Enterprise
Price-To-Book vs Peers: EIC is good value based on its Price-To-Book Ratio (0.2x) compared to the peer average (0.8x).
Price to Earnings Ratio vs Industry
How does EIC's PE Ratio compare vs other companies in the Global Banks Industry?
Price-To-Book vs Industry: EIC is good value based on its Price-To-Book Ratio (0.2x) compared to the Australian Banks industry average (0.9x)
Price to Book Ratio vs Fair Ratio
What is EIC's PB Ratio compared to its Fair PB Ratio? This is the expected PB Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.
|Current PB Ratio||0.2x|
|Fair PB Ratio||n/a|
Price-To-Book vs Fair Ratio: Insufficient data to calculate EIC's Price-To-Book Fair Ratio for valuation analysis.
Share Price vs Fair Value
What is the Fair Price of EIC when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.
Below Fair Value: EIC (A$0.2) is trading below our estimate of fair value (A$1.49)
Significantly Below Fair Value: EIC is trading below fair value by more than 20%.
Analyst Price Targets
What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?
Analyst Forecast: Insufficient data to show price forecast.
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How is Heidelberg District Community Enterprise forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
Future Growth Score0/6
Future Growth Score 0/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
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 Heidelberg District Community Enterprise 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.
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- Examine whether Heidelberg District Community Enterprise is trading at an attractive price based on how much it is expected to earn in the future, and relative to its industry peers and the wider market.
How has Heidelberg District Community Enterprise performed over the past 5 years?
Past Performance Score0/6
Past Performance Score 0/6
Growing Profit Margin
Earnings vs Industry
Last years earnings growth
Earnings and Revenue History
Quality Earnings: EIC is currently unprofitable.
Growing Profit Margin: EIC is currently unprofitable.
Past Earnings Growth Analysis
Earnings Trend: Insufficient data to determine if EIC's year-on-year earnings growth rate was positive over the past 5 years.
Accelerating Growth: Unable to compare EIC's earnings growth over the past year to its 5-year average as it is currently unprofitable
Earnings vs Industry: EIC is unprofitable, making it difficult to compare its past year earnings growth to the Banks industry (16.5%).
Return on Equity
High ROE: EIC has a negative Return on Equity (-1.27%), as it is currently unprofitable.
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How is Heidelberg District Community Enterprise's financial position? (This company is analysed differently as a bank or financial institution)
Financial Health Score1/6
Financial Health Score 1/6
Allowance for Bad Loans
Low Risk Liabilities
Low Risk Deposits
Level of Bad Loans
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: EIC's Assets to Equity ratio (1.5x) is low.
Allowance for Bad Loans: Insufficient data to determine if EIC has a sufficient allowance for bad loans.
Low Risk Liabilities: EIC reports no customer deposits, 100% of its liabilities are made up of higher risk sources of funding.
Loan Level: Insufficient data to determine if EIC has an appropriate level of Loans to Assets ratio.
Low Risk Deposits: EIC reports no customer deposits, loans are made up entirely of externally borrowed funds.
Level of Bad Loans: Insufficient data to determine if EIC has an appropriate level of bad loans.
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What is Heidelberg District Community Enterprise current dividend yield, its reliability and sustainability?
Dividend Score 2/6
Future Dividend Coverage
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: EIC's dividend (10%) is higher than the bottom 25% of dividend payers in the Australian market (2.65%).
High Dividend: EIC's dividend (10%) is in the top 25% of dividend payers in the Australian market (6.3%)
Stability and Growth of Payments
Stable Dividend: EIC has been paying a dividend for less than 10 years and during this time payments have been volatile.
Growing Dividend: EIC has only been paying a dividend for 5 years, and since then payments have fallen.
Current Payout to Shareholders
Earnings Coverage: EIC is paying a dividend but the company is unprofitable.
Future Payout to Shareholders
Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years or that it will be covered by earnings.
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How experienced are the management team and are they aligned to shareholders interests?
Average board tenure
Heidelberg District Community Enterprise has no CEO, or we have no data on them.
Experienced Board: EIC's board of directors are considered experienced (5.1 years average tenure).
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.
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Heidelberg District Community Enterprise Limited's employee growth, exchange listings and data sources
- Name: Heidelberg District Community Enterprise Limited
- Ticker: EIC
- Exchange: NSX
- Founded: 2000
- Industry: Regional Banks
- Sector: Banks
- Implied Market Cap: AU$459.677k
- Shares outstanding: 2.30m
- Website: https://www.bendigobank.com.au/heidelberg
- Heidelberg District Community Enterprise Limited
- 233-235 Lower Heidelberg Road
- Ivanhoe East
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/08/09 00:00|
|End of Day Share Price||2022/05/26 00:00|
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.