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

SVR is expensive based on its Price-To-Earnings Ratio (15.4x) compared to the peer average (13.8x).

How does SVR's PE Ratio compare vs other companies in the Global Consumer Finance Industry?

SVR is expensive based on its Price-To-Earnings Ratio (15.4x) compared to the Global Consumer Finance industry average (13.4x).

What is SVR'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.

SVR is good value based on its Price-To-Earnings Ratio (15.4x) compared to the estimated Fair Price-To-Earnings Ratio (17.4x).

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

SVR (A$1.31) is trading below our estimate of [[fair value]] (A$3.12)

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

Target price is less than 20% higher than the current share price.

Solvar (CHIA:SVR) - Stock Price, News & Analysis

SVR Stock Overview

Provides automotive finance in Australia and New Zealand. More details

SVR fundamental analysis
Snowflake Score
Valuation	3/6
Future Growth	3/6
Past Performance	1/6
Financial Health	2/6
Dividends	3/6

Rewards

Trading at 58.1% below our estimate of its fair value

Earnings are forecast to grow 21.96% per year

Risk Analysis

Interest payments are not well covered by earnings

Dividend of 7.75% is not well covered by earnings or free cash flows

Large one-off items impacting financial results

Profit margins (7.9%) are lower than last year (22.8%)

Solvar Limited Competitors

Cash Converters International

ASX:CCV

AU$146.7m

FleetPartners Group

ASX:FPR

AU$750.4m

FSA Group

ASX:FSA

AU$98.3m

Credit Corp Group

ASX:CCP

AU$1.2b

Price History & Performance

Summary of all time highs, changes and price drops for Solvar
Historical stock prices
Current Share Price	AU$1.31
52 Week High	AU$1.38
52 Week Low	AU$0.93
Beta	1.69
11 Month Change	-1.50%
3 Month Change	3.56%
1 Year Change	29.70%
33 Year Change	-57.54%
5 Year Change	-40.18%
Change since IPO	24.76%

Recent updates

Shareholder Returns

	SVR	AU Consumer Finance	AU Market
7D	2.9%	2.2%	1.2%
1Y	29.7%	120.1%	19.7%

Return vs Industry: SVR underperformed the Australian Consumer Finance industry which returned 114.4% over the past year.

Return vs Market: SVR exceeded the Australian Market which returned 18.4% over the past year.

Price Volatility

Is SVR's price volatile compared to industry and market?
SVR volatility
SVR Average Weekly Movement	4.0%
Consumer Finance Industry Average Movement	5.1%
Market Average Movement	8.6%
10% most volatile stocks in AU Market	17.5%
10% least volatile stocks in AU Market	3.2%

Stable Share Price: SVR has not had significant price volatility in the past 3 months compared to the Australian market.

Volatility Over Time: SVR's weekly volatility (4%) has been stable over the past year.

About the Company

Founded	Employees	CEO	Website
2000	n/a	Scott Baldwin	www.solvar.com.au

Solvar Limited, together with its subsidiaries, provides automotive finance in Australia and New Zealand. It offers consumer and commercial loans for new and used cars, motorbikes, utility vehicles, tractors, caravan, horse floats, motor bikes, trailers, trucks, boats, and jet skis. The company provides secured and unsecured personal loans.

Solvar Limited Fundamentals Summary

How do Solvar's earnings and revenue compare to its market cap?
SVR fundamental statistics
Market cap	AU$261.93m
Earnings (TTM)	AU$17.04m
Revenue (TTM)	AU$215.99m

15.4x

P/E Ratio

1.2x

P/S Ratio

Is SVR overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
SVR income statement (TTM)
Revenue	AU$215.99m
Cost of Revenue	AU$0
Gross Profit	AU$215.99m
Other Expenses	AU$198.95m
Earnings	AU$17.04m

Last Reported Earnings

Jun 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	0.084
Gross Margin	100.00%
Net Profit Margin	7.89%
Debt/Equity Ratio	172.5%

How did SVR perform over the long term?

See historical performance and comparison

Dividends

7.8%

Current Dividend Yield

123%

Payout Ratio

SVR Stock Overview

Rewards

Risk Analysis

Solvar Limited Competitors

ASX:CCV

AU$146.7m

ASX:FPR

AU$750.4m

ASX:FSA

AU$98.3m

ASX:CCP

AU$1.2b

Price History & Performance

Recent News & Updates

Solvar Limited, Annual General Meeting, Nov 21, 2024

Solvar Limited Appoints Craig Parker as Independent Non- Executive Director, Effective from 18 September 2024

Solvar Limited Announces Ordinary Fully Paid Dividend for the Six Months Ended June 30, 2024, Payable on 11 October 2024

Final dividend of AU$0.05 announced

Solvar Limited to Report Fiscal Year 2024 Results on Aug 20, 2024

Solvar Limited (ASX:SVR) announces an Equity Buyback for AUD 15 million worth of its shares.

Recent updates

Solvar Limited, Annual General Meeting, Nov 21, 2024

Solvar Limited Appoints Craig Parker as Independent Non- Executive Director, Effective from 18 September 2024

Solvar Limited Announces Ordinary Fully Paid Dividend for the Six Months Ended June 30, 2024, Payable on 11 October 2024

Final dividend of AU$0.05 announced

Solvar Limited to Report Fiscal Year 2024 Results on Aug 20, 2024

Solvar Limited (ASX:SVR) announces an Equity Buyback for AUD 15 million worth of its shares.

CEO, MD & Executive Director recently sold AU$215k worth of stock

Upcoming dividend of AU$0.05 per share

First half dividend of AU$0.05 announced

First half 2024 earnings released: EPS: AU$0.063 (vs AU$0.12 in 1H 2023)

New minor risk - Profit margin trend

Solvar Limited to Report First Half, 2024 Results on Feb 20, 2024

New minor risk - Share price stability

Solvar Limited, Annual General Meeting, Nov 10, 2023

Full year 2023 earnings released: EPS: AU$0.23 (vs AU$0.24 in FY 2022)

Upcoming dividend of AU$0.09 per share at 14% yield

New major risk - Revenue and earnings growth

New major risk - Earnings quality

Full year 2023 earnings released: EPS: AU$0.23 (vs AU$0.24 in FY 2022)

New major risk - Revenue and earnings growth

Solvar Limited to Report Fiscal Year 2023 Results on Aug 15, 2023

Now 42% undervalued after recent price drop

Now 21% undervalued after recent price drop

Now 24% undervalued after recent price drop

Upcoming dividend of AU$0.075 per share at 6.8% yield

Solvar Limited Announces Dividend for the Six Months Ended December 31, 2022, Payable on April 13, 2023

Solvar Limited to Report First Half, 2023 Results on Feb 15, 2023

Insufficient new directors

Insufficient new directors

Money3 Corporation Limited, Annual General Meeting, Nov 16, 2022

Insufficient new directors

Upcoming dividend of AU$0.07 per share

Full year 2022 earnings released: EPS: AU$0.24 (vs AU$0.20 in FY 2021)

Money3 Corporation Limited Declares Final Dividend for the Year Ended June 30, 2022, Payable on October 6, 2022

Money3 Corporation Limited to Report Fiscal Year 2022 Results on Aug 16, 2022

Independent Non-Executive Chairman recently bought AU$99k worth of stock

Upcoming dividend of AU$0.06 per share

First half 2022 earnings: EPS in line with analyst expectations despite revenue beat

Money3 Corporation Limited Announces Dividend for the Six Months Ended December 31, 2021, Payable on April 29, 2022

Independent Non-Executive Chairman recently bought AU$104k worth of stock

Upcoming dividend of AU$0.07 per share

Full year 2021 earnings released: EPS AU$0.20 (vs AU$0.12 in FY 2020)

Independent Non-Executive Chairman recently bought AU$100k worth of stock

Money3 Corporation Provides Earnings Guidance for Fiscal 2021

New 90-day high: AU$3.01

First half 2021 earnings released: EPS AU$0.11 (vs AU$0.086 in 1H 2020)

Money3 Corporation Limited to Report First Half, 2021 Results on Feb 16, 2021

Money3 Corporation Limited (ASX:MNY) completed the acquisition of GMF Australia Pty Ltd from General Motors Financial Company, Inc,

Money3 Corporation Limited Revises Earnings Guidance for the Year 2021

Money3 Corporation Limited (ASX:MNY) completed the acquisition of Automotive Financial Services Pty Limited.

Money3 Corporation Limited (ASX:MNY) entered into an agreement to acquire Automotive Financial Services Pty Limited.

New 90-day high: AU$2.49

New 90-day high: AU$2.38

New 90-day high: AU$2.20

Earnings released

New 90-day high - AU$1.91

Shareholder Returns

Price Volatility

About the Company