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ILFS

International Leasing and Financial Services DSE:ILFSL Stock Report

Last Price

৳5.10

Market Cap

৳1.1b

7D

2.0%

1Y

-19.0%

Updated

29 Jun, 2022

Data

Company Financials
ILFSL fundamental analysis
Snowflake Score
Valuation4/6
Future Growth0/6
Past Performance0/6
Financial Health0/6
Dividends0/6

ILFSL Stock Overview

International Leasing and Financial Services Limited, together with its subsidiaries, provides various financing services in Bangladesh.

International Leasing and Financial Services Competitors

Price History & Performance

Summary of all time highs, changes and price drops for International Leasing and Financial Services
Historical stock prices
Current Share Price৳5.10
52 Week High৳11.20
52 Week Low৳5.00
Beta-0.13
1 Month Change-7.27%
3 Month Change-12.07%
1 Year Change-19.05%
3 Year Change-44.79%
5 Year Change-64.30%
Change since IPO-67.83%

Recent News & Updates

Shareholder Returns

ILFSLBD Diversified FinancialBD Market
7D2.0%-2.1%0.6%
1Y-19.0%20.9%-2.7%

Return vs Industry: ILFSL underperformed the BD Diversified Financial industry which returned 24.3% over the past year.

Return vs Market: ILFSL underperformed the BD Market which returned -1.3% over the past year.

Price Volatility

Is ILFSL's price volatile compared to industry and market?
ILFSL volatility
ILFSL Average Weekly Movement5.4%
Diversified Financial Industry Average Movement4.4%
Market Average Movement4.5%
10% most volatile stocks in BD Market6.3%
10% least volatile stocks in BD Market2.6%

Stable Share Price: ILFSL is not significantly more volatile than the rest of BD stocks over the past 3 months, typically moving +/- 5% a week.

Volatility Over Time: ILFSL's weekly volatility (5%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
199657Md. Rahmanhttps://www.ilfsl.com

International Leasing and Financial Services Limited, together with its subsidiaries, provides various financing services in Bangladesh. The company provides lease finance to procure industrial machinery, commercial equipment, office equipment, generators, vehicles, vessels, engines, etc.; term finance to meet various regular capital/fixed expenditures; SME finance to small and medium entrepreneurs for small scale trading, manufacturing, and service ventures; and finance against work orders from multinational companies, local blue-chip companies, large NGOs, bank/financial institutions, and government organizations. It also offers real estate finance for the purchase of apartment/house/commercial space/approved housing plots; project finance for start-up companies or on-going companies; and syndicated finance for larger financing requirements of its clients.

International Leasing and Financial Services Fundamentals Summary

How do International Leasing and Financial Services's earnings and revenue compare to its market cap?
ILFSL fundamental statistics
Market Cap৳1.13b
Earnings (TTM)-৳6.94b
Revenue (TTM)n/a

-0.2x

P/S Ratio

-0.2x

P/E Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
ILFSL income statement (TTM)
Revenue-৳5.12b
Cost of Revenue৳5.19m
Gross Profit-৳5.13b
Other Expenses৳1.82b
Earnings-৳6.94b

Last Reported Earnings

Dec 31, 2020

Next Earnings Date

n/a

Earnings per share (EPS)-31.30
Gross Margin100.10%
Net Profit Margin135.56%
Debt/Equity Ratio-38.2%

How did ILFSL perform over the long term?

See historical performance and comparison
We’ve recently updated our valuation analysis.

Valuation

Is ILFSL undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

4/6

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

  • PEG Ratio

Key Valuation Metric

Which metric is best to use when looking at relative valuation for ILFSL?

Other financial metrics that can be useful for relative valuation.

ILFSL key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenuen/a
Enterprise Value/EBITDAn/a
PEG Ration/a

Price to Book Ratio vs Peers

How does ILFSL's PB Ratio compare to its peers?

ILFSL PB Ratio vs Peers
The above table shows the PB ratio for ILFSL vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyPBEstimated GrowthMarket Cap
Peer Average1.2x
PHOENIXFIN Phoenix Finance & Investments
0.9xn/a৳3.0b
ISLAMICFIN Islamic Finance and Investment
1.4xn/a৳3.0b
BAYLEASING Bay Leasing & Investment
1.2xn/a৳3.7b
GSPFINANCE GSP Finance Company (Bangladesh)
1.5xn/a৳5.0b
ILFSL International Leasing and Financial Services
n/an/a৳1.1b

Price-To-Book vs Peers: ILFSL is good value based on its Price-To-Book Ratio (-0x) compared to the peer average (1.2x).


Price to Earnings Ratio vs Industry

How does ILFSL's PE Ratio compare vs other companies in the Asian Diversified Financial Industry?

Price-To-Book vs Industry: ILFSL is good value based on its Price-To-Book Ratio (-0x) compared to the BD Diversified Financial industry average (1.4x)


Price to Book Ratio vs Fair Ratio

What is ILFSL'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.

ILFSL PB Ratio vs Fair Ratio.
Fair Ratio
Current PB Ratio-0.04x
Fair PB Ration/a

Price-To-Book vs Fair Ratio: Insufficient data to calculate ILFSL's Price-To-Book Fair Ratio for valuation analysis.


Share Price vs Fair Value

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

Below Fair Value: ILFSL (BDT5.1) is trading below our estimate of fair value (BDT16.66)

Significantly Below Fair Value: ILFSL is trading below fair value by more than 20%.


Price to Earnings Growth Ratio

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


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Future Growth

How is International Leasing and Financial Services forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

Future Growth Score

0/6

Future Growth Score 0/6

  • Earnings vs Savings Rate

  • Earnings vs Market

  • High Growth Earnings

  • Revenue vs Market

  • High Growth Revenue

  • Future ROE


7.1%

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 International Leasing and Financial Services 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 International Leasing and Financial Services 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.

Past Performance

How has International Leasing and Financial Services performed over the past 5 years?

Past Performance Score

0/6

Past Performance Score 0/6

  • Quality Earnings

  • Growing Profit Margin

  • Earnings Trend

  • Accelerating Growth

  • Earnings vs Industry

  • High ROE


75.2%

Last years earnings growth

Earnings and Revenue History

Quality Earnings: ILFSL is currently unprofitable.

Growing Profit Margin: ILFSL is currently unprofitable.


Past Earnings Growth Analysis

Earnings Trend: Insufficient data to determine if ILFSL's year-on-year earnings growth rate was positive over the past 5 years.

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

Earnings vs Industry: ILFSL is unprofitable, making it difficult to compare its past year earnings growth to the Diversified Financial industry (1.8%).


Return on Equity

High ROE: ILFSL's liabilities exceed its assets, so it is difficult to calculate its Return on Equity.


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Financial Health

How is International Leasing and Financial Services's financial position?

Financial Health Score

0/6

Financial Health Score 0/6

  • Short Term Liabilities

  • Long Term Liabilities

  • Debt Level

  • Reducing Debt

  • Stable Cash Runway

  • Forecast Cash Runway

Financial Position Analysis

Short Term Liabilities: ILFSL has negative shareholder equity, which is a more serious situation than short term assets not covering short term liabilities.

Long Term Liabilities: ILFSL has negative shareholder equity, which is a more serious situation than short term assets not covering long term liabilities.


Debt to Equity History and Analysis

Debt Level: ILFSL has negative shareholder equity, which is a more serious situation than a high debt level.

Reducing Debt: ILFSL's has negative shareholder equity, so we do not need to check if its debt has reduced over time.


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: Insufficient data to determine if ILFSL has enough cash runway based on its current free cash flow.

Forecast Cash Runway: Insufficient data to determine if ILFSL has enough cash runway if its free cash flow continues to grow or shrink based on historical rates.


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Dividend

What is International Leasing and Financial Services's current dividend yield, its reliability and sustainability?

Dividend Score

0/6

Dividend Score 0/6

  • Notable Dividend

  • High Dividend

  • Stable Dividend

  • Growing Dividend

  • Earnings Coverage

  • Future Dividend Coverage

Dividend Yield vs Market

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

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

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


Earnings Payout to Shareholders

Earnings Coverage: ILFSL is not paying a notable dividend for the BD market.


Cash Payout to Shareholders

Cash Flow Coverage: Unable to calculate sustainability of dividends as ILFSL has not reported any payouts.


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Management

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

5.7yrs

Average management tenure


CEO

Md. Rahman

no data

Tenure

Mr. Md. Mashiur Rahman is Managing Director & Director of International Leasing and Financial Services Limited.


Leadership Team

Experienced Management: ILFSL's management team is seasoned and experienced (5.7 years average tenure).


Board Members

Experienced Board: ILFSL's board of directors are considered experienced (6.3 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.


Ownership Breakdown

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


Top Shareholders

Company Information

International Leasing and Financial Services Limited's employee growth, exchange listings and data sources


Key Information

  • Name: International Leasing and Financial Services Limited
  • Ticker: ILFSL
  • Exchange: DSE
  • Founded: 1996
  • Industry: Specialized Finance
  • Sector: Diversified Financials
  • Implied Market Cap: ৳1.131b
  • Shares outstanding: 221.81m
  • Website: https://www.ilfsl.com

Number of Employees


Location

  • International Leasing and Financial Services Limited
  • 65/2/2, DR Tower
  • 13th Floor
  • Dhaka
  • 1000
  • Bangladesh

Listings


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2022/06/29 00:00
End of Day Share Price2022/06/29 00:00
Earnings2020/12/31
Annual Earnings2020/12/31


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.