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
|Historical stock prices|
|Current Share Price||€0.36|
|52 Week High||€0.36|
|52 Week Low||€0.33|
|1 Month Change||0%|
|3 Month Change||n/a|
|1 Year Change||n/a|
|3 Year Change||n/a|
|5 Year Change||40.63%|
|Change since IPO||-82.94%|
Recent News & Updates
|ELF||CY Diversified Financial||CY Market|
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.
|ELF Average Weekly Movement||n/a|
|Diversified Financial Industry Average Movement||5.6%|
|Market Average Movement||4.3%|
|10% most volatile stocks in CY Market||5.6%|
|10% least volatile stocks in CY Market||3.2%|
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
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
|ELF fundamental statistics|
Is ELF overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|ELF income statement (TTM)|
|Cost of Revenue||€218.87k|
Last Reported Earnings
Dec 31, 2021
Next Earnings Date
|Earnings per share (EPS)||0.028|
|Net Profit Margin||27.46%|
How did ELF perform over the long term?See historical performance and comparison
5.6%Current Dividend Yield
Is ELF undervalued compared to its fair value, analyst forecasts and its price relative to the market?
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
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.
|What is ELF's n/a Ratio?|
Price to Earnings Ratio vs Peers
How does ELF's PE Ratio compare to its peers?
|ELF PE Ratio vs Peers|
|Company||PE||Estimated Growth||Market Cap|
KAR Karyes Investment
530789 Ceejay Finance
538882 Emerald Leasing Finance and Investment
ZAIM Zaim Credit Systems
ELF Ellinas Finance
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.
|Current PE Ratio||12.9x|
|Fair PE Ratio||n/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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How is Ellinas Finance forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
Future Growth Score0/6
Future Growth Score 0/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
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.
How has Ellinas Finance performed over the past 5 years?
Past Performance Score2/6
Past Performance Score 2/6
Growing Profit Margin
Earnings vs Industry
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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How is Ellinas Finance's financial position?
Financial Health Score3/6
Financial Health Score 3/6
Short Term Liabilities
Long Term Liabilities
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.
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What is Ellinas Finance current dividend yield, its reliability and sustainability?
Dividend Score 3/6
Cash Flow Coverage
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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How experienced are the management team and are they aligned to shareholders interests?
Average board 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...
Experienced Board: ELF's board of directors are considered experienced (6.1 years average tenure).
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.
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Ellinas Finance Public Company Limited's employee growth, exchange listings and data sources
- 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
- Ellinas Finance Public Company Limited
- Theotoki 6
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/08/04 00:00|
|End of Day Share Price||2022/06/14 00:00|
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.