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ORGT

OragroupBRVM:ORGT Stock Report

Market Cap

XOF313.0b

7D

0.5%

1Y

7.7%

Updated

21 Oct, 2021

Data

Company Financials
ORGT fundamental analysis
Snowflake Score
Valuation0/6
Future Growth0/6
Past Performance3/6
Financial Health3/6
Dividends0/6

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

Summary of all time highs, changes and price drops for Oragroup
Historical stock prices
Current Share PriceXOF4,145.00
52 Week HighXOF0
52 Week LowXOF0
Beta0.26
1 Month Change2.09%
3 Month Change4.94%
1 Year Change7.66%
3 Year Changen/a
5 Year Changen/a
Change since IPO-1.19%

Recent News & Updates

Shareholder Returns

ORGTCI BanksCI Market
7D0.5%-0.8%0.3%
1Y7.7%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

Is ORGT's price volatile compared to industry and market?
ORGT volatility
ORGT Beta0.26
Industry Beta0.44
Market Beta1

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

FoundedEmployeesCEOWebsite
1988n/aFerdinand Kemoumhttps://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

How do Oragroup's earnings and revenue compare to its market cap?
ORGT fundamental statistics
Market CapXOF313.00b
Earnings (TTM)XOF8.45b
Revenue (TTM)XOF128.32b

37.0x

P/E Ratio

2.8x

P/B Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
ORGT income statement (TTM)
RevenueXOF128.32b
Cost of RevenueXOF0
Gross ProfitXOF128.32b
ExpensesXOF119.87b
EarningsXOF8.45b

Last Reported Earnings

Jun 30, 2021

Next Earnings Date

n/a

Earnings per share (EPS)111.94
Gross Margin100.00%
Net Profit Margin6.59%
Debt/Equity Ratio479.9%

How did ORGT perform over the long term?

See historical performance and comparison

Dividends

1.5%

Current Dividend Yield

53%

Payout Ratio

Valuation

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

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2021/10/21 21:02
End of Day Share Price2021/10/21 00:00
Earnings2021/06/30
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.