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ELF

Ellinas Finance CSE:ELF Stock Report

Last Price

€0.36

Market Cap

€5.8m

7D

0%

1Y

n/a

Updated

04 Aug, 2022

Data

Company Financials
ELF fundamental analysis
Snowflake Score
Valuation3/6
Future Growth0/6
Past Performance2/6
Financial Health3/6
Dividends3/6

ELF Stock Overview

Ellinas Finance Public Company Limited provides short and medium term lending services to individuals and companies in Cyprus.

Ellinas Finance Competitors

Price History & Performance

Summary of all time highs, changes and price drops for Ellinas Finance
Historical stock prices
Current Share Price€0.36
52 Week High€0.36
52 Week Low€0.33
Beta0.15
1 Month Change0%
3 Month Changen/a
1 Year Changen/a
3 Year Changen/a
5 Year Change40.63%
Change since IPO-82.94%

Recent News & Updates

Shareholder Returns

ELFCY Diversified FinancialCY Market
7D0%0.09%1.4%
1Yn/a-5.7%0.6%

Return vs Industry: Insufficient data to determine how ELF performed against the CY Diversified Financial industry.

Return vs Market: Insufficient data to determine how ELF performed against the CY Market.

Price Volatility

Is ELF's price volatile compared to industry and market?
ELF volatility
ELF Average Weekly Movementn/a
Diversified Financial Industry Average Movement5.6%
Market Average Movement4.3%
10% most volatile stocks in CY Market5.6%
10% least volatile stocks in CY Market3.2%

Stable Share Price: Insufficient data to determine ELF's volatility over the past 3 months.

Volatility Over Time: Insufficient data to determine ELF's volatility change over the past year.

About the Company

FoundedEmployeesCEOWebsite
199223Nearchos Petrideshttps://www.ellinasfinance.com

Ellinas Finance Public Company Limited provides short and medium term lending services to individuals and companies in Cyprus. It offers personal, car, student, debt consolidation, flexi, and house improvement loans, as well as credit plans; company, trade, and working capital loans; personal and business short term loans; and margin trading accounts. The company also provides insurance financing services; factoring and cheque discounting services; private equity; and money transfer services, as well as people advisory, and payroll outsourcing and advisory services.

Ellinas Finance Fundamentals Summary

How do Ellinas Finance's earnings and revenue compare to its market cap?
ELF fundamental statistics
Market Cap€5.76m
Earnings (TTM)€444.91k
Revenue (TTM)€1.62m

12.9x

P/E Ratio

3.6x

P/S Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
ELF income statement (TTM)
Revenue€1.62m
Cost of Revenue€218.87k
Gross Profit€1.40m
Other Expenses€956.51k
Earnings€444.91k

Last Reported Earnings

Dec 31, 2021

Next Earnings Date

n/a

Earnings per share (EPS)0.028
Gross Margin86.49%
Net Profit Margin27.46%
Debt/Equity Ratio39.0%

How did ELF perform over the long term?

See historical performance and comparison

Dividends

5.6%

Current Dividend Yield

72%

Payout Ratio
We’ve recently updated our valuation analysis.

Valuation

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

Valuation Score

3/6

Valuation Score 3/6

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Below Fair Value

  • Significantly Below Fair Value

  • Analyst Forecast

Key Valuation Metric

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

Other financial metrics that can be useful for relative valuation.

ELF 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 Earnings Ratio vs Peers

How does ELF's PE Ratio compare to its peers?

ELF PE Ratio vs Peers
The above table shows the PE ratio for ELF vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyPEEstimated GrowthMarket Cap
Peer Average15.2x
KAR Karyes Investment
19.3xn/a€5.1m
530789 Ceejay Finance
7.4xn/a₹351.9m
538882 Emerald Leasing Finance and Investment
23.9xn/a₹599.8m
ZAIM Zaim Credit Systems
10.2xn/aUK£6.9m
ELF Ellinas Finance
12.9xn/a€5.8m

Price-To-Earnings vs Peers: ELF is good value based on its Price-To-Earnings Ratio (12.9x) compared to the peer average (15.2x).


Price to Earnings Ratio vs Industry

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

Price-To-Earnings vs Industry: ELF is good value based on its Price-To-Earnings Ratio (12.9x) compared to the Asian Diversified Financial industry average (13.9x)


Price to Earnings Ratio vs Fair Ratio

What is ELF's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

ELF PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio12.9x
Fair PE Ration/a

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


Share Price vs Fair Value

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

Below Fair Value: ELF (€0.36) is trading below our estimate of fair value (€0.41)

Significantly Below Fair Value: ELF is trading below fair value, but not by a significant amount.


Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

Analyst Forecast: Insufficient data to show price forecast.


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Future Growth

How is Ellinas Finance 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


5.8%

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 Ellinas Finance 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 Ellinas Finance 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 Ellinas Finance performed over the past 5 years?

Past Performance Score

2/6

Past Performance Score 2/6

  • Quality Earnings

  • Growing Profit Margin

  • Earnings Trend

  • Accelerating Growth

  • Earnings vs Industry

  • High ROE


15.4%

Historical annual earnings growth

Earnings and Revenue History

Quality Earnings: ELF has high quality earnings.

Growing Profit Margin: ELF's current net profit margins (27.5%) are lower than last year (34.1%).


Past Earnings Growth Analysis

Earnings Trend: ELF's earnings have grown by 15.4% per year over the past 5 years.

Accelerating Growth: ELF's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: ELF had negative earnings growth (-12.7%) over the past year, making it difficult to compare to the Diversified Financial industry average (23.1%).


Return on Equity

High ROE: ELF's Return on Equity (5.2%) is considered low.


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Financial Health

How is Ellinas Finance's financial position?

Financial Health Score

3/6

Financial Health Score 3/6

  • Short Term Liabilities

  • Long Term Liabilities

  • Debt Level

  • Reducing Debt

  • Debt Coverage

  • Interest Coverage

Financial Position Analysis

Short Term Liabilities: ELF's short term assets (€11.6M) exceed its short term liabilities (€2.6M).

Long Term Liabilities: ELF's short term assets (€11.6M) exceed its long term liabilities (€2.6M).


Debt to Equity History and Analysis

Debt Level: ELF's net debt to equity ratio (31.6%) is considered satisfactory.

Reducing Debt: Insufficient data to determine if ELF's debt to equity ratio has reduced over the past 5 years.

Debt Coverage: ELF's operating cash flow is negative, therefore debt is not well covered.

Interest Coverage: Insufficient data to determine if ELF's interest payments on its debt are well covered by EBIT.


Balance Sheet


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Dividend

What is Ellinas Finance current dividend yield, its reliability and sustainability?

Dividend Score

3/6

Dividend Score 3/6

  • Notable Dividend

  • High Dividend

  • Stable Dividend

  • Growing Dividend

  • Earnings Coverage

  • Cash Flow Coverage


5.56%

Current Dividend Yield

Dividend Yield vs Market

Notable Dividend: ELF's dividend (5.56%) is higher than the bottom 25% of dividend payers in the CY market (2.91%).

High Dividend: ELF's dividend (5.56%) is low compared to the top 25% of dividend payers in the CY market (5.6%).


Stability and Growth of Payments

Stable Dividend: ELF's dividend payments have been volatile in the past 10 years.

Growing Dividend: ELF's dividend payments have increased over the past 10 years.


Earnings Payout to Shareholders

Earnings Coverage: With its reasonable payout ratio (71.9%), ELF's dividend payments are covered by earnings.


Cash Payout to Shareholders

Cash Flow Coverage: ELF is paying a dividend but the company has no free cash flows.


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Management

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

6.1yrs

Average board tenure


CEO

Nearchos Petrides

3.17yrs

Tenure

Mr. Nearchos Petrides serves as Chief Executive Officer at Ellinas Finance Public Company Limited since June, 2020 and serves as its Managing Director since September 2020. He has main responsibilities the...


Board Members

Experienced Board: ELF's board of directors are considered experienced (6.1 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

Ellinas Finance Public Company Limited's employee growth, exchange listings and data sources


Key Information

  • Name: Ellinas Finance Public Company Limited
  • Ticker: ELF
  • Exchange: CSE
  • Founded: 1992
  • Industry: Specialized Finance
  • Sector: Diversified Financials
  • Implied Market Cap: €5.760m
  • Shares outstanding: 16.00m
  • Website: https://www.ellinasfinance.com

Number of Employees


Location

  • Ellinas Finance Public Company Limited
  • Theotoki 6
  • Nicosia
  • 1055
  • Cyprus

Listings


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2022/08/04 00:00
End of Day Share Price2022/06/14 00:00
Earnings2021/12/31
Annual Earnings2021/12/31


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.