Contact Financial Holding S.A.E. operates as a consumer finance company in Egypt.
Price History & Performance
|Historical stock prices|
|Current Share Price||ج.م4.01|
|52 Week High||ج.م3.15|
|52 Week Low||ج.م4.40|
|1 Month Change||-3.37%|
|3 Month Change||-0.50%|
|1 Year Change||11.39%|
|3 Year Change||14.37%|
|5 Year Change||n/a|
|Change since IPO||-1.90%|
Recent News & Updates
|SRWA||EG Consumer Finance||EG Market|
Return vs Industry: SRWA underperformed the EG Consumer Finance industry which returned 65.7% over the past year.
Return vs Market: SRWA underperformed the EG Market which returned 12.4% over the past year.
Stable Share Price: SRWA is less volatile than 75% of EG stocks over the past 3 months, typically moving +/- 3% a week.
Volatility Over Time: SRWA's weekly volatility (3%) has been stable over the past year.
About the Company
Contact Financial Holding S.A.E. operates as a consumer finance company in Egypt. The company offers financing solutions for new and used cars, light commercial vehicles, heavy transport trucks, and trailers; home finishing financing products to purchase paints, floorings, décor products, lighting units, electrical supplies, plumbing, and sanitary ware; shopping finance services for purchasing of consumer products; home finance products; financial leasing services for passenger vehicles, busses, vans, medical equipment, and commercial vehicles comprises light, medium, and heavy trucks; and commercial and consumerism, direct and reverse, recourse and non-recourse, and spot or whole ledger factoring services. It also provides insurance brokerage services, which include medical, life, personal accident, home, electronics, machinery, key protection, car, truck, motor, road risk, and small business insurance products, as well as medical discount cards and key replacement coverage products; and marine and cargo transportation, engineering solutions, fire and burglary, business interruption, cash in transit, and non-payment risk insurance products.
Contact Financial HoldingE Fundamentals Summary
|SRWA fundamental statistics|
Is SRWA overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|SRWA income statement (TTM)|
|Cost of Revenue||ج.م546.52m|
Last Reported Earnings
Jun 30, 2021
Next Earnings Date
|Earnings per share (EPS)||0.37|
|Net Profit Margin||27.77%|
How did SRWA perform over the long term?See historical performance and comparison
2.5%Current Dividend Yield
Is Contact Financial HoldingE undervalued compared to its fair value and its price relative to the market?
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: SRWA (EGP4.01) is trading above our estimate of fair value (EGP1.17)
Significantly Below Fair Value: SRWA is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: SRWA is good value based on its PE Ratio (10.8x) compared to the African Consumer Finance industry average (31.6x).
PE vs Market: SRWA is good value based on its PE Ratio (10.8x) compared to the EG market (11.3x).
Price to Earnings Growth Ratio
PEG Ratio: SRWA is good value based on its PEG Ratio (0.4x)
Price to Book Ratio
PB vs Industry: SRWA is overvalued based on its PB Ratio (2.1x) compared to the XF Consumer Finance industry average (1.5x).
How is Contact Financial HoldingE forecast to perform in the next 1 to 3 years based on estimates from 2 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: SRWA's forecast earnings growth (27% per year) is above the savings rate (9.1%).
Earnings vs Market: SRWA's earnings (27% per year) are forecast to grow faster than the EG market (13.6% per year).
High Growth Earnings: earnings are expected to grow significantly over the next 3 years.
Revenue vs Market: SRWA's revenue (23.5% per year) is forecast to grow faster than the EG market (9.8% per year).
High Growth Revenue: SRWA's revenue (23.5% per year) is forecast to grow faster than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: SRWA's Return on Equity is forecast to be high in 3 years time (26.5%)
How has Contact Financial HoldingE performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: SRWA has high quality earnings.
Growing Profit Margin: SRWA's current net profit margins (27.8%) are higher than last year (8%).
Past Earnings Growth Analysis
Earnings Trend: SRWA's earnings have grown significantly by 20.7% per year over the past 5 years.
Accelerating Growth: SRWA's earnings growth over the past year (33.5%) exceeds its 5-year average (20.7% per year).
Earnings vs Industry: SRWA earnings growth over the past year (33.5%) exceeded the Consumer Finance industry -50.8%.
Return on Equity
High ROE: SRWA's Return on Equity (19.6%) is considered low.
How is Contact Financial HoldingE's financial position?
Financial Position Analysis
Short Term Liabilities: SRWA's short term assets (EGP2.9B) exceed its short term liabilities (EGP916.5M).
Long Term Liabilities: SRWA's short term assets (EGP2.9B) exceed its long term liabilities (EGP1.9B).
Debt to Equity History and Analysis
Debt Level: SRWA's debt to equity ratio (74.9%) is considered high.
Reducing Debt: SRWA's debt to equity ratio has reduced from 176.8% to 74.9% over the past 5 years.
Debt Coverage: SRWA's debt is well covered by operating cash flow (21.1%).
Interest Coverage: Insufficient data to determine if SRWA's interest payments on its debt are well covered by EBIT.
What is Contact Financial HoldingE current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: SRWA's dividend (2.49%) isn’t notable compared to the bottom 25% of dividend payers in the EG market (2.63%).
High Dividend: SRWA's dividend (2.49%) is low compared to the top 25% of dividend payers in the EG market (7.87%).
Stability and Growth of Payments
Stable Dividend: Whilst dividend payments have been stable, SRWA has been paying a dividend for less than 10 years.
Growing Dividend: SRWA has only been paying a dividend for 2 years, and since then payments have not increased.
Current Payout to Shareholders
Dividend Coverage: With its reasonably low payout ratio (26.4%), SRWA's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: SRWA's dividends in 3 years are forecast to be well covered by earnings (35.9% payout ratio).
How experienced are the management team and are they aligned to shareholders interests?
Mr. Said Zater serves as Director of Contact Financial Holding S.A.E. (formerly known as Sarwa Capital Holding for Financial Investments (S.A.E)) and served as its Deputy Chief Executive Officer, Chief Ope...
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.
Contact Financial Holding S.A.E.'s employee growth, exchange listings and data sources
- Name: Contact Financial Holding S.A.E.
- Ticker: SRWA
- Exchange: CASE
- Founded: 2001
- Industry: Consumer Finance
- Sector: Diversified Financials
- Market Cap: ج.م4.788b
- Shares outstanding: 1.20b
- Website: https://www.contact.eg
- Contact Financial Holding S.A.E.
- 7 Champollion Street
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/10/26 16:29|
|End of Day Share Price||2021/10/26 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.