Snowflake Score | |
---|---|
Valuation | 1/6 |
Future Growth | 0/6 |
Past Performance | 2/6 |
Financial Health | 4/6 |
Dividends | 3/6 |
BCFC Stock Overview
Bahrain Commercial Facilities Company BSC, together with its subsidiaries, operates as a finance company in the Kingdom of Bahrain.
Bahrain Commercial Facilities Company BSC Competitors
Price History & Performance
Historical stock prices | |
---|---|
Current Share Price | ب.د0.50 |
52 Week High | ب.د0.51 |
52 Week Low | ب.د0.44 |
Beta | 0.0030 |
1 Month Change | 3.09% |
3 Month Change | 4.17% |
1 Year Change | n/a |
3 Year Change | -32.89% |
5 Year Change | -14.97% |
Change since IPO | 332.39% |
Recent News & Updates
Shareholder Returns
BCFC | BH Consumer Finance | BH Market | |
---|---|---|---|
7D | 0% | 1.6% | -2.5% |
1Y | n/a | -2.0% | 31.1% |
Return vs Industry: Insufficient data to determine how BCFC performed against the BH Consumer Finance industry.
Return vs Market: Insufficient data to determine how BCFC performed against the BH Market.
Price Volatility
BCFC volatility | |
---|---|
BCFC Average Weekly Movement | n/a |
Consumer Finance Industry Average Movement | 5.9% |
Market Average Movement | 2.5% |
10% most volatile stocks in BH Market | 6.5% |
10% least volatile stocks in BH Market | 1.7% |
Stable Share Price: Insufficient data to determine BCFC's volatility over the past 3 months.
Volatility Over Time: Insufficient data to determine BCFC's volatility change over the past year.
About the Company
Founded | Employees | CEO | Website |
---|---|---|---|
1983 | 764 | Abdulla Abdulla Ali Bukhowa | https://www.bahraincredit.com.bh |
Bahrain Commercial Facilities Company BSC, together with its subsidiaries, operates as a finance company in the Kingdom of Bahrain. It operates through four segments: Customer Lending, Automotive, Real Estate, and Insurance. The company offers car and personal loans; financing for property purchase; loans against properties; credit for construction facilities; cheque discounting facilities; credit cards; and other finance, including fleet, equipment and heavy machinery, and working capital finance.
Bahrain Commercial Facilities Company BSC Fundamentals Summary
BCFC fundamental statistics | |
---|---|
Market Cap | ب.د100.71m |
Earnings (TTM) | ب.د6.71m |
Revenue (TTM) | ب.د58.49m |
15.0x
P/E Ratio1.7x
P/S RatioIs BCFC overvalued?
See Fair Value and valuation analysisEarnings & Revenue
BCFC income statement (TTM) | |
---|---|
Revenue | ب.د58.49m |
Cost of Revenue | ب.د45.96m |
Gross Profit | ب.د12.53m |
Other Expenses | ب.د5.82m |
Earnings | ب.د6.71m |
Last Reported Earnings
Mar 31, 2022
Next Earnings Date
n/a
Earnings per share (EPS) | 0.033 |
Gross Margin | 21.42% |
Net Profit Margin | 11.47% |
Debt/Equity Ratio | 117.2% |
How did BCFC perform over the long term?
See historical performance and comparisonDividends
5.0%
Current Dividend Yield77%
Payout RatioValuation
Is Bahrain Commercial Facilities Company BSC undervalued compared to its fair value and its price relative to the market?
Valuation Score
1/6Valuation Score 1/6
Below Fair Value
Significantly Below Fair Value
PE vs Industry
PE vs Market
PEG Ratio
PB vs Industry
15.02x
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: Insufficient data to calculate BCFC's fair value for valuation analysis.
Significantly Below Fair Value: Insufficient data to calculate BCFC's fair value for valuation analysis.
Price To Earnings Ratio
PE vs Industry: BCFC is poor value based on its PE Ratio (15x) compared to the Asian Consumer Finance industry average (13.9x).
PE vs Market: BCFC is poor value based on its PE Ratio (15x) compared to the BH market (13.8x).
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate BCFC's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: BCFC is good value based on its PB Ratio (0.8x) compared to the XA Consumer Finance industry average (0.9x).
Future Growth
How is Bahrain Commercial Facilities Company BSC forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
Future Growth Score
0/6Future Growth Score 0/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Future ROE
22.0%
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 Bahrain Commercial Facilities Company BSC 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 Bahrain Commercial Facilities Company BSC performed over the past 5 years?
Past Performance Score
2/6Past Performance Score 2/6
Quality Earnings
Growing Profit Margin
Earnings Trend
Accelerating Growth
Earnings vs Industry
High ROE
-36.6%
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: BCFC has high quality earnings.
Growing Profit Margin: BCFC became profitable in the past.
Past Earnings Growth Analysis
Earnings Trend: BCFC's earnings have declined by 36.6% per year over the past 5 years.
Accelerating Growth: BCFC has become profitable in the last year, making the earnings growth rate difficult to compare to its 5-year average.
Earnings vs Industry: BCFC has become profitable in the last year, making it difficult to compare its past year earnings growth to the Consumer Finance industry (22.7%).
Return on Equity
High ROE: BCFC's Return on Equity (5%) is considered low.
Financial Health
How is Bahrain Commercial Facilities Company BSC's financial position?
Financial Health Score
4/6Financial Health Score 4/6
Short Term Liabilities
Long Term Liabilities
Debt Level
Reducing Debt
Debt Coverage
Interest Coverage
Financial Position Analysis
Short Term Liabilities: BCFC's short term assets (BHD274.5M) exceed its short term liabilities (BHD23.8M).
Long Term Liabilities: BCFC's short term assets (BHD274.5M) exceed its long term liabilities (BHD156.5M).
Debt to Equity History and Analysis
Debt Level: BCFC's net debt to equity ratio (90.4%) is considered high.
Reducing Debt: BCFC's debt to equity ratio has reduced from 170.8% to 117.2% over the past 5 years.
Debt Coverage: BCFC's debt is well covered by operating cash flow (30.7%).
Interest Coverage: Insufficient data to determine if BCFC's interest payments on its debt are well covered by EBIT.
Balance Sheet
Dividend
What is Bahrain Commercial Facilities Company BSC current dividend yield, its reliability and sustainability?
Dividend Score
2/6Dividend Score 2/6
Notable Dividend
High Dividend
Stable Dividend
Growing Dividend
Earnings Coverage
Future Dividend Coverage
5.00%
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: BCFC's dividend (5%) is higher than the bottom 25% of dividend payers in the BH market (3.73%).
High Dividend: BCFC's dividend (5%) is low compared to the top 25% of dividend payers in the BH market (5.6%).
Stability and Growth of Payments
Stable Dividend: BCFC's dividend payments have been volatile in the past 10 years.
Growing Dividend: BCFC's dividend payments have fallen over the past 10 years.
Earnings Payout to Shareholders
Earnings Coverage: At its current payout ratio (76.7%), BCFC's payments are covered by earnings.
Cash Payout to Shareholders
Cash Flow Coverage: With its low cash payout ratio (11%), BCFC's dividend payments are thoroughly covered by cash flows.
Next Steps
Management
How experienced are the management team and are they aligned to shareholders interests?
1.1yrs
Average management tenure
CEO
Abdulla Abdulla Ali Bukhowa
0.83
Tenure
Mr. Abdulla Abdulrazaq Abdulla Ali Bukhowa is Chief Executive Officer of Bahrain Commercial Facilities Company BSC from July 01, 2021. He joined the Bahrain Commercial Facilities Company BSC on July 01, 20...
Leadership Team
Experienced Management: BCFC's management team is not considered experienced ( 1.1 years average tenure), which suggests a new team.
Board Members
Experienced Board: BCFC's board of directors are considered experienced (7.1 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
Bahrain Commercial Facilities Company BSC's employee growth, exchange listings and data sources
Key Information
- Name: Bahrain Commercial Facilities Company BSC
- Ticker: BCFC
- Exchange: BAX
- Founded: 1983
- Industry: Consumer Finance
- Sector: Diversified Financials
- Implied Market Cap: ب.د100.714m
- Shares outstanding: 201.43m
- Website: https://www.bahraincredit.com.bh
Number of Employees
Location
- Bahrain Commercial Facilities Company BSC
- Bahrain Credit Building
- Building 290
- Tubli
- 701
- Bahrain
Listings
Company Analysis and Financial Data Status
Data | Last Updated (UTC time) |
---|---|
Company Analysis | 2022/05/18 00:00 |
End of Day Share Price | 2022/05/18 00:00 |
Earnings | 2022/03/31 |
Annual Earnings | 2021/12/31 |
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.