| Snowflake Score | |
|---|---|
| Valuation | 0/6 |
| Future Growth | 0/6 |
| Past Performance | 3/6 |
| Financial Health | 3/6 |
| Dividends | 0/6 |
ORGT Overview
Oragroup SA provides various banking products and services for individuals, professionals, and companies and institutions in West and Central Africa.
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | XOF4,145.00 |
| 52 Week High | XOF0 |
| 52 Week Low | XOF0 |
| Beta | 0.26 |
| 1 Month Change | 2.09% |
| 3 Month Change | 4.94% |
| 1 Year Change | 7.66% |
| 3 Year Change | n/a |
| 5 Year Change | n/a |
| Change since IPO | -1.19% |
Recent News & Updates
Shareholder Returns
| ORGT | CI Banks | CI Market | |
|---|---|---|---|
| 7D | 0.5% | -0.8% | 0.3% |
| 1Y | 7.7% | 40.2% | 53.2% |
Return vs Industry: ORGT underperformed the CI Banks industry which returned 40.6% over the past year.
Return vs Market: ORGT underperformed the CI Market which returned 53.2% over the past year.
Price Volatility
| ORGT volatility | |
|---|---|
| ORGT Beta | 0.26 |
| Industry Beta | 0.44 |
| Market Beta | 1 |
Stable Share Price: ORGT is not significantly more volatile than the rest of CI stocks over the past 3 months, typically moving +/- 5% a week.
Volatility Over Time: ORGT's weekly volatility (5%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1988 | n/a | Ferdinand Kemoum | https://www.orabank.net |
Oragroup SA provides various banking products and services for individuals, professionals, and companies and institutions in West and Central Africa. The company offers accounts and packages, credits and facilities, savings and investment products, cards, means of payment, bancassurance, money transfer, and cash management services, as well as digital banking services. It operates a network of 164 bank branches.
Oragroup Fundamentals Summary
| ORGT fundamental statistics | |
|---|---|
| Market Cap | XOF313.00b |
| Earnings (TTM) | XOF8.45b |
| Revenue (TTM) | XOF128.32b |
37.0x
P/E Ratio2.8x
P/B RatioIs ORGT overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| ORGT income statement (TTM) | |
|---|---|
| Revenue | XOF128.32b |
| Cost of Revenue | XOF0 |
| Gross Profit | XOF128.32b |
| Expenses | XOF119.87b |
| Earnings | XOF8.45b |
Last Reported Earnings
Jun 30, 2021
Next Earnings Date
n/a
| Earnings per share (EPS) | 111.94 |
| Gross Margin | 100.00% |
| Net Profit Margin | 6.59% |
| Debt/Equity Ratio | 479.9% |
How did ORGT perform over the long term?
See historical performance and comparisonDividends
1.5%
Current Dividend Yield53%
Payout RatioValuation
Is Oragroup undervalued compared to its fair value and its price relative to the market?
37.03x
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: ORGT (CFA4145) is trading above our estimate of fair value (CFA425.63)
Significantly Below Fair Value: ORGT is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: ORGT is poor value based on its PE Ratio (37x) compared to the CI Banks industry average (7.1x).
PE vs Market: ORGT is poor value based on its PE Ratio (37x) compared to the CI market (8x).
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate ORGT's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: ORGT is overvalued based on its PB Ratio (2.8x) compared to the CI Banks industry average (1.7x).
Future Growth
How is Oragroup forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
19.4%
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 Oragroup 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 Oragroup performed over the past 5 years?
-29.1%
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: ORGT has a high level of non-cash earnings.
Growing Profit Margin: ORGT's current net profit margins (6.6%) are higher than last year (3.6%).
Past Earnings Growth Analysis
Earnings Trend: ORGT's earnings have declined by 29.1% per year over the past 5 years.
Accelerating Growth: ORGT's earnings growth over the past year (73.6%) exceeds its 5-year average (-29.1% per year).
Earnings vs Industry: ORGT earnings growth over the past year (73.6%) exceeded the Banks industry 14.2%.
Return on Equity
High ROE: ORGT's Return on Equity (11.6%) is considered low.
Financial Health
How is Oragroup'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: ORGT's Assets to Equity ratio (22.9x) is very high.
Allowance for Bad Loans: ORGT has a low allowance for bad loans (50%).
Low Risk Liabilities: 75% of ORGT's liabilities are made up of primarily low risk sources of funding.
Loan Level: ORGT has an appropriate level of Loans to Assets ratio (52%).
Low Risk Deposits: ORGT's Loans to Deposits ratio (74%) is appropriate.
Level of Bad Loans: ORGT has a high level of bad loans (17.7%).
Dividend
What is Oragroup current dividend yield, its reliability and sustainability?
1.54%
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: ORGT's dividend (1.54%) isn’t notable compared to the bottom 25% of dividend payers in the CI market (4.09%).
High Dividend: ORGT's dividend (1.54%) is low compared to the top 25% of dividend payers in the CI market (9.72%).
Stability and Growth of Payments
Stable Dividend: ORGT is not paying a notable dividend for the CI market, therefore no need to check if payments are stable.
Growing Dividend: ORGT is not paying a notable dividend for the CI market, therefore no need to check if payments are increasing.
Current Payout to Shareholders
Dividend Coverage: ORGT is not paying a notable dividend for the CI market.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of ORGT's dividend in 3 years as they are not forecast to pay a notable one for the CI market.
Next Steps
Management
How experienced are the management team and are they aligned to shareholders interests?
3.5yrs
Average management tenure
CEO
Ferdinand Kemoum
2.33yrs
Tenure
Mr. Ferdinand Ngon Kemoum is the Chief Executive Officer of Oragroup SA from June 2019. He has been a Managing Director and Head of the Douala office at Emerging Capital Partners since 2005. He joined the...
Leadership Team
Experienced Management: ORGT's management team is 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.
Ownership Breakdown
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Top Shareholders
Company Information
Oragroup SA's employee growth, exchange listings and data sources
Key Information
- Name: Oragroup SA
- Ticker: ORGT
- Exchange: BRVM
- Founded: 1988
- Industry: Diversified Banks
- Sector: Banks
- Market Cap: XOF313.000b
- Shares outstanding: 75.51m
- Website: https://www.orabank.net
Number of Employees
Location
- Oragroup SA
- 392 Plantains Street
- BP 2810
- Lome
- Togo
Listings
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2021/10/21 21:02 |
| End of Day Share Price | 2021/10/21 00:00 |
| Earnings | 2021/06/30 |
| 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.