| Snowflake Score | |
|---|---|
| Valuation | 5/6 |
| Future Growth | 0/6 |
| Past Performance | 3/6 |
| Financial Health | 4/6 |
| Dividends | 2/6 |
BOAS Overview
Bank Of Africa Senegal provides banking products and services for individuals, businesses, and small and medium sized enterprises in Senegal.
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | XOF2,450.00 |
| 52 Week High | XOF0 |
| 52 Week Low | XOF0 |
| Beta | 0.044 |
| 1 Month Change | 8.41% |
| 3 Month Change | 28.95% |
| 1 Year Change | 84.21% |
| 3 Year Change | 22.50% |
| 5 Year Change | -2.00% |
| Change since IPO | 41.35% |
Recent News & Updates
Shareholder Returns
| BOAS | CI Banks | CI Market | |
|---|---|---|---|
| 7D | 2.1% | -1.1% | -0.02% |
| 1Y | 84.2% | 40.2% | 52.6% |
Return vs Industry: BOAS exceeded the CI Banks industry which returned 40.2% over the past year.
Return vs Market: BOAS exceeded the CI Market which returned 52.6% over the past year.
Price Volatility
| BOAS volatility | |
|---|---|
| BOAS Beta | 0.044 |
| Industry Beta | 0.44 |
| Market Beta | 1 |
Stable Share Price: BOAS is not significantly more volatile than the rest of CI stocks over the past 3 months, typically moving +/- 5% a week.
Volatility Over Time: BOAS's weekly volatility (5%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 2001 | 347 | Abdel Zampalegre | https://www.boasenegal.com |
Bank Of Africa Senegal provides banking products and services for individuals, businesses, and small and medium sized enterprises in Senegal. The company offers current, savings, investment, and currency accounts; term deposits; home, education, consumer, car, and equipment loans; cards; digital banking; and insurance services. It also provides credits, cash and overdraft facilities, bonds, investment financing, documentary operations, documentary discounts and credits, letters of credit, currency drafts, international transfers, guarantee letters, and money transfers.
Bank Of Africa Senegal Fundamentals Summary
| BOAS fundamental statistics | |
|---|---|
| Market Cap | XOF58.80b |
| Earnings (TTM) | XOF9.13b |
| Revenue (TTM) | XOF28.02b |
6.4x
P/E Ratio1.3x
P/B RatioIs BOAS overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| BOAS income statement (TTM) | |
|---|---|
| Revenue | XOF28.02b |
| Cost of Revenue | XOF0 |
| Gross Profit | XOF28.02b |
| Expenses | XOF18.88b |
| Earnings | XOF9.13b |
Last Reported Earnings
Mar 31, 2021
Next Earnings Date
n/a
| Earnings per share (EPS) | 380.50 |
| Gross Margin | 100.00% |
| Net Profit Margin | 32.60% |
| Debt/Equity Ratio | 289.1% |
How did BOAS perform over the long term?
See historical performance and comparisonDividends
7.3%
Current Dividend Yield47%
Payout RatioValuation
Is Bank Of Africa Senegal undervalued compared to its fair value and its price relative to the market?
36.9%
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: BOAS (CFA2450) is trading below our estimate of fair value (CFA3882.56)
Significantly Below Fair Value: BOAS is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: BOAS is good value based on its PE Ratio (6.4x) compared to the CI Banks industry average (7.1x).
PE vs Market: BOAS is good value based on its PE Ratio (6.4x) compared to the CI market (8.1x).
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate BOAS's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: BOAS is good value based on its PB Ratio (1.3x) compared to the CI Banks industry average (1.7x).
Future Growth
How is Bank Of Africa Senegal forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
19.2%
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 Bank Of Africa Senegal 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 Bank Of Africa Senegal performed over the past 5 years?
14.3%
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: BOAS has high quality earnings.
Growing Profit Margin: BOAS's current net profit margins (32.6%) are higher than last year (32.3%).
Past Earnings Growth Analysis
Earnings Trend: BOAS's earnings have grown by 14.3% per year over the past 5 years.
Accelerating Growth: BOAS's earnings growth over the past year (5.1%) is below its 5-year average (14.3% per year).
Earnings vs Industry: BOAS earnings growth over the past year (5.1%) underperformed the Banks industry 14.2%.
Return on Equity
High ROE: BOAS's Return on Equity (19.6%) is considered low.
Financial Health
How is Bank Of Africa Senegal's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: BOAS's Assets to Equity ratio (12.1x) is moderate.
Allowance for Bad Loans: Insufficient data to determine if BOAS has a sufficient allowance for bad loans.
Low Risk Liabilities: 72% of BOAS's liabilities are made up of primarily low risk sources of funding.
Loan Level: BOAS has an appropriate level of Loans to Assets ratio (50%).
Low Risk Deposits: BOAS's Loans to Deposits ratio (75%) is appropriate.
Level of Bad Loans: Insufficient data to determine if BOAS has an appropriate level of bad loans.
Dividend
What is Bank Of Africa Senegal current dividend yield, its reliability and sustainability?
7.30%
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: BOAS's dividend (7.3%) is higher than the bottom 25% of dividend payers in the CI market (4.09%).
High Dividend: BOAS's dividend (7.3%) is low compared to the top 25% of dividend payers in the CI market (9.72%).
Stability and Growth of Payments
Stable Dividend: Whilst dividend payments have been stable, BOAS has been paying a dividend for less than 10 years.
Growing Dividend: BOAS's dividend payments have increased, but the company has only paid a dividend for 7 years.
Current Payout to Shareholders
Dividend Coverage: With its reasonably low payout ratio (47%), BOAS's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.
Next Steps
Management
How experienced are the management team and are they aligned to shareholders interests?
CEO
Abdel Zampalegre
no data
Tenure
Mr. Abdel Mumin Zampalegre serves as General Director and Managing Director at BANK OF AFRICA – SÉNÉGAL.
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
Bank Of Africa Senegal's employee growth, exchange listings and data sources
Key Information
- Name: Bank Of Africa Senegal
- Ticker: BOAS
- Exchange: BRVM
- Founded: 2001
- Industry: Diversified Banks
- Sector: Banks
- Market Cap: XOF58.800b
- Shares outstanding: 24.00m
- Website: https://www.boasenegal.com
Number of Employees
Location
- Bank Of Africa Senegal
- Elan Building
- Route de Ngor
- Dakar
- Senegal
Listings
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2021/10/20 22:08 |
| End of Day Share Price | 2021/10/20 00:00 |
| Earnings | 2021/03/31 |
| Annual Earnings | 2020/12/31 |
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.