CIHL Stock Overview
Caribbean Investment Holdings Limited, through its subsidiaries, provides various banking, financial, and related services to individual and corporate customers primarily in Belize.
Price History & Performance
|Historical stock prices|
|Current Share Price||UK£0.27|
|52 Week High||UK£0.45|
|52 Week Low||UK£0.24|
|1 Month Change||-31.88%|
|3 Month Change||-1.85%|
|1 Year Change||-39.08%|
|3 Year Change||47.22%|
|5 Year Change||107.84%|
|Change since IPO||-96.42%|
Recent News & Updates
Shareholders of Caribbean Investment Holdings (LON:CIHL) Must Be Delighted With Their 524% Total Return
While Caribbean Investment Holdings Limited ( LON:CIHL ) shareholders are probably generally happy, the stock hasn't...
|CIHL||GB Banks||GB Market|
Return vs Industry: CIHL underperformed the UK Banks industry which returned 30.6% over the past year.
Return vs Market: CIHL underperformed the UK Market which returned 17.9% over the past year.
|CIHL Average Weekly Movement||9.7%|
|Banks Industry Average Movement||4.2%|
|Market Average Movement||4.8%|
|10% most volatile stocks in GB Market||9.7%|
|10% least volatile stocks in GB Market||2.5%|
Stable Share Price: CIHL is more volatile than 90% of UK stocks over the past 3 months, typically moving +/- 10% a week.
Volatility Over Time: CIHL's weekly volatility (10%) has been stable over the past year, but is still higher than 75% of UK stocks.
About the Company
Caribbean Investment Holdings Limited, through its subsidiaries, provides various banking, financial, and related services to individual and corporate customers primarily in Belize. The company offers lending, savings and merchant accounts, term deposits, and non-interest bearing and interest-bearing checking accounts; and credit and debit cards, as well as payment processing services to merchants. It also provides credit facilities that include overdrafts, lines of credit, and secured mortgage loans for personal, residential, or commercial purposes; and financial instruments, including commitments to extend credit, standby letters of credit, and financial guarantees.
Caribbean Investment Holdings Fundamentals Summary
|CIHL fundamental statistics|
Is CIHL overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|CIHL income statement (TTM)|
|Cost of Revenue||US$0|
Last Reported Earnings
Mar 31, 2021
Next Earnings Date
|Earnings per share (EPS)||0.12|
|Net Profit Margin||53.08%|
How did CIHL perform over the long term?See historical performance and comparison
Is Caribbean Investment Holdings undervalued compared to its fair value and its price relative to the market?
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: CIHL (£0.27) is trading below our estimate of fair value (£2.65)
Significantly Below Fair Value: CIHL is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: CIHL is good value based on its PE Ratio (3x) compared to the UK Banks industry average (8.2x).
PE vs Market: CIHL is good value based on its PE Ratio (3x) compared to the UK market (19.8x).
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate CIHL's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: CIHL is good value based on its PB Ratio (0.4x) compared to the GB Banks industry average (0.7x).
How is Caribbean Investment Holdings forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
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 Caribbean Investment Holdings 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.
How has Caribbean Investment Holdings performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: CIHL has a large one-off gain of $8.5M impacting its March 31 2021 financial results.
Growing Profit Margin: CIHL's current net profit margins (53.1%) are higher than last year (36.7%).
Past Earnings Growth Analysis
Earnings Trend: CIHL's earnings have grown significantly by 21.2% per year over the past 5 years.
Accelerating Growth: CIHL's earnings growth over the past year (64.9%) exceeds its 5-year average (21.2% per year).
Earnings vs Industry: CIHL earnings growth over the past year (64.9%) underperformed the Banks industry 87.7%.
Return on Equity
High ROE: CIHL's Return on Equity (12.4%) is considered low.
How is Caribbean Investment Holdings's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: CIHL's Assets to Equity ratio (7.7x) is low.
Allowance for Bad Loans: CIHL has a low allowance for bad loans (76%).
Low Risk Liabilities: 98% of CIHL's liabilities are made up of primarily low risk sources of funding.
Loan Level: CIHL has an appropriate level of Loans to Assets ratio (49%).
Low Risk Deposits: CIHL's Loans to Deposits ratio (57%) is appropriate.
Level of Bad Loans: CIHL has a high level of bad loans (9%).
What is Caribbean Investment Holdings's current dividend yield, its reliability and sustainability?
Dividend Yield vs Market
Notable Dividend: Unable to evaluate CIHL's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate CIHL's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if CIHL's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if CIHL's dividend payments have been increasing.
Current Payout to Shareholders
Dividend Coverage: CIHL is not paying a notable dividend for the UK market.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of CIHL's dividend in 3 years as they are not forecast to pay a notable one for the UK market.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Lyndon Guiseppi (57 yo)
Mr. Lyndon R. Guiseppi serves as Executive Chairman at Belize Bank Ltd. and serves as its Chief Executive Officer since August 2008. Mr. Guiseppi has been the Chief Executive Officer of Caribbean Investmen...
Experienced Management: CIHL's management team is seasoned and experienced (13.3 years average tenure).
Experienced Board: CIHL's board of directors are considered experienced (5.5 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.
Caribbean Investment Holdings Limited's employee growth, exchange listings and data sources
- Name: Caribbean Investment Holdings Limited
- Ticker: CIHL
- Exchange: AIM
- Founded: NaN
- Industry: Regional Banks
- Sector: Banks
- Market Cap: UK£35.010m
- Shares outstanding: 132.11m
- Website: https://www.cihltd.co
- Caribbean Investment Holdings Limited
- 101 Governor's Road
- Turks & Caicos Islands
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/11/26 21:14|
|End of Day Share Price||2021/11/26 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.