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CLH

Collection HouseASX:CLH Stock Report

Market Cap

AU$24.8m

7D

0%

1Y

n/a

Updated

26 Oct, 2021

Data

Company Financials
CLH fundamental analysis
Snowflake Score
Valuation1/6
Future Growth0/6
Past Performance0/6
Financial Health3/6
Dividends0/6

CLH Overview

Collection House Limited provides debt collection and receivables management services in Australia, New Zealand, and the Philippines.

Collection House Competitors

Credit Clear

ASX:CCR

AU$114.0m

Price History & Performance

Summary of all time highs, changes and price drops for Collection House
Historical stock prices
Current Share PriceAU$0.17
52 Week HighAU$0.15
52 Week LowAU$0.48
Beta0.021
1 Month Change6.06%
3 Month Change-7.90%
1 Year Changen/a
3 Year Change-86.89%
5 Year Change-85.89%
Change since IPO-87.93%

Recent News & Updates

Shareholder Returns

CLHAU Consumer FinanceAU Market
7D0%-0.4%0.8%
1Yn/a24.0%24.4%

Return vs Industry: Insufficient data to determine how CLH performed against the Australian Consumer Finance industry.

Return vs Market: Insufficient data to determine how CLH performed against the Australian Market.

Price Volatility

Is CLH's price volatile compared to industry and market?
CLH volatility
CLH Beta0.021
Industry Beta1.96
Market Beta1

Stable Share Price: CLH is not significantly more volatile than the rest of Australian stocks over the past 3 months, typically moving +/- 7% a week.

Volatility Over Time: CLH's weekly volatility (7%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
1981698Doug McAlpinehttps://www.collectionhouse.com.au

Collection House Limited provides debt collection and receivables management services in Australia, New Zealand, and the Philippines. The company operates in two segments, Purchased Debt Ledgers and Collection Services. It offers debt collections services to clients in the Australasian financial services, insurance, public utility, credit, and government enterprise markets; and debt purchasing services for banking, finance, telecommunications, and energy sectors.

Collection House Fundamentals Summary

How do Collection House's earnings and revenue compare to its market cap?
CLH fundamental statistics
Market CapAU$24.77m
Earnings (TTM)-AU$31.99m
Revenue (TTM)AU$74.47m

0.3x

P/S Ratio

-0.8x

P/E Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
CLH income statement (TTM)
RevenueAU$74.47m
Cost of RevenueAU$14.32m
Gross ProfitAU$60.15m
ExpensesAU$92.14m
Earnings-AU$31.99m

Last Reported Earnings

Jun 30, 2021

Next Earnings Date

n/a

Earnings per share (EPS)-0.23
Gross Margin80.77%
Net Profit Margin-42.95%
Debt/Equity Ratio153.6%

How did CLH perform over the long term?

See historical performance and comparison

Valuation

Is Collection House undervalued compared to its fair value and its price relative to the market?

0.62x

Price to Book (PB) ratio


Share Price vs. Fair Value

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

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


Price To Earnings Ratio

PE vs Industry: CLH is unprofitable, so we can't compare its PE Ratio to the Australian Consumer Finance industry average.

PE vs Market: CLH is unprofitable, so we can't compare its PE Ratio to the Australian market.


Price to Earnings Growth Ratio

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


Price to Book Ratio

PB vs Industry: CLH is good value based on its PB Ratio (0.6x) compared to the AU Consumer Finance industry average (1.9x).


Future Growth

How is Collection House forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

47.6%

Forecasted Diversified Financials 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 Collection House 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.


Past Performance

How has Collection House performed over the past 5 years?

-62.3%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: CLH is currently unprofitable.

Growing Profit Margin: CLH is currently unprofitable.


Past Earnings Growth Analysis

Earnings Trend: CLH is unprofitable, and losses have increased over the past 5 years at a rate of 62.3% per year.

Accelerating Growth: Unable to compare CLH's earnings growth over the past year to its 5-year average as it is currently unprofitable

Earnings vs Industry: CLH is unprofitable, making it difficult to compare its past year earnings growth to the Consumer Finance industry (171.9%).


Return on Equity

High ROE: CLH has a negative Return on Equity (-80.35%), as it is currently unprofitable.


Financial Health

How is Collection House's financial position?


Financial Position Analysis

Short Term Liabilities: CLH's short term assets (A$34.5M) exceed its short term liabilities (A$32.5M).

Long Term Liabilities: CLH's short term assets (A$34.5M) do not cover its long term liabilities (A$73.7M).


Debt to Equity History and Analysis

Debt Level: CLH's debt to equity ratio (153.6%) is considered high.

Reducing Debt: CLH's debt to equity ratio has increased from 65.5% to 153.6% over the past 5 years.


Balance Sheet


Cash Runway Analysis

For companies that have on average been loss making in the past we assess whether they have at least 1 year of cash runway.

Stable Cash Runway: Whilst unprofitable CLH has sufficient cash runway for more than 3 years if it maintains its current positive free cash flow level.

Forecast Cash Runway: CLH is unprofitable but has sufficient cash runway for more than 3 years, even with free cash flow being positive and shrinking by 6.1% per year.


Dividend

What is Collection House current dividend yield, its reliability and sustainability?


Dividend Yield vs Market

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

High Dividend: Unable to evaluate CLH'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 CLH's dividends per share have been stable in the past.

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


Current Payout to Shareholders

Dividend Coverage: CLH is not paying a notable dividend for the Australian market.


Future Payout to Shareholders

Future Dividend Coverage: No need to calculate the sustainability of CLH'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?

1.9yrs

Average management tenure


CEO

Doug McAlpine

1.92yrs

Tenure

AU$556,449

Compensation

Mr. Douglas P. McAlpine, also known as Doug, B.Comm, CA, is Chief Executive Officer at Collection House Limited since November 25, 2019. Mr. McAlpine served as Chief Financial Officer of Collection House L...


CEO Compensation Analysis

Compensation vs Market: Doug's total compensation ($USD417.13K) is above average for companies of similar size in the Australian market ($USD301.38K).

Compensation vs Earnings: Insufficient data to compare Doug's compensation with company performance.


Leadership Team

Experienced Management: CLH's management team is not considered experienced ( 1.9 years average tenure), which suggests a new team.


Board Members

Experienced Board: CLH's board of directors are considered experienced (3.5 years average tenure).


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.


Recent Insider Transactions

Ownership Breakdown

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


Top Shareholders

Company Information

Collection House Limited's employee growth, exchange listings and data sources


Key Information

  • Name: Collection House Limited
  • Ticker: CLH
  • Exchange: ASX
  • Founded: 1981
  • Industry: Consumer Finance
  • Sector: Diversified Financials
  • Market Cap: AU$24.767m
  • Shares outstanding: 141.53m
  • Website: https://www.collectionhouse.com.au

Number of Employees


Location

  • Collection House Limited
  • 100 Skyring Terrace
  • Level 12
  • Newstead
  • Queensland
  • 4006
  • Australia

Listings


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2021/10/26 16:15
End of Day Share Price2021/10/26 00:00
Earnings2021/06/30
Annual Earnings2021/06/30


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.