AIM:CIHL

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Caribbean Investment Holdings

Executive Summary

Caribbean Investment Holdings Limited, through its subsidiaries, provides various banking and financial services in Belize and internationally. More Details


Snowflake Analysis

Excellent balance sheet and good value.

Share Price & News

How has Caribbean Investment Holdings's share price performed over time and what events caused price changes?


Latest Share Price and Events

Stable Share Price: CIHL is not significantly more volatile than the rest of UK stocks over the past 3 months, typically moving +/- 8% a week.

Volatility Over Time: CIHL's weekly volatility has decreased from 14% to 8% over the past year.


Market Performance


7 Day Return

0%

CIHL

4.2%

GB Banks

-0.4%

GB Market


1 Year Return

170.8%

CIHL

-28.9%

GB Banks

-10.0%

GB Market

Return vs Industry: CIHL exceeded the UK Banks industry which returned -28.9% over the past year.

Return vs Market: CIHL exceeded the UK Market which returned -10% over the past year.


Shareholder returns

CIHLIndustryMarket
7 Day0%4.2%-0.4%
30 Day20.5%27.8%13.7%
90 Day-23.5%24.7%6.4%
1 Year222.7%170.8%-28.7%-28.9%-6.4%-10.0%
3 Year274.5%214.3%-34.6%-40.9%1.6%-10.9%
5 Year599.2%486.7%-18.7%-32.1%27.5%-1.5%

Long-Term Price Volatility Vs. Market

How volatile is Caribbean Investment Holdings's share price compared to the market and industry in the last 5 years?


Simply Wall St News

Valuation

Is Caribbean Investment Holdings undervalued compared to its fair value and its price relative to the market?

>50%

Undervalued compared to fair value


Share Price vs. Fair Value

Below Fair Value: CIHL (£0.44) is trading below our estimate of fair value (£2)

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 (6.1x) compared to the GB Banks industry average (10.5x).

PE vs Market: CIHL is good value based on its PE Ratio (6.1x) compared to the UK market (21.2x).


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's PB Ratio (0.6x) is in line with the GB Banks industry average.


Next Steps

Future Growth

How is Caribbean Investment Holdings forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

46.2%

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.


Next Steps

Past Performance

How has Caribbean Investment Holdings performed over the past 5 years?

60.7%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: CIHL has high quality earnings.

Growing Profit Margin: CIHL's current net profit margins (36.7%) are higher than last year (29.1%).


Past Earnings Growth Analysis

Earnings Trend: CIHL has become profitable over the past 5 years, growing earnings by 60.7% per year.

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

Earnings vs Industry: CIHL had negative earnings growth (-12.4%) over the past year, making it difficult to compare to the Banks industry average (-25.7%).


Return on Equity

High ROE: CIHL's Return on Equity (10.2%) is considered low.


Next Steps

Financial Health

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


Balance Sheet


Financial Institutions Analysis

Asset Level: CIHL's Assets to Equity ratio (5.5x) is low.

Allowance for Bad Loans: CIHL has a sufficient allowance for bad loans (215%).

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 (46%).

Low Risk Deposits: CIHL's Loans to Deposits ratio (57%) is appropriate.

Level of Bad Loans: CIHL has a high level of bad loans (3.4%).


Next Steps

Dividend

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.


Next Steps

Management

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

8.8yrs

Average management tenure


CEO

Lyndon Guiseppi (56 yo)

12.33yrs

Tenure

US$470,000

Compensation

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...


Leadership Team

NamePositionTenureCompensationOwnership
Lyndon Guiseppi
CEO & Executive Director12.33yrsUS$470.00kno data
Philip Osborne
Company Secretary & Director13.67yrsUS$500.00kno data
Michael Coye
Chief Financial Officer5.25yrsno datano data
Martin Marshalleck
Chief Operating Officerno datano datano data
Jose Cardona
Chief Technology Officerno datano datano data
Jose Eloy Cardona
Chief Information Officer5.17yrsno datano data
Jacqueline Marshalleck
Senior Legal Counselno datano datano data
Abner Peralta
Head of Corporate & Regulatory Complianceno datano datano data
Filippo Alario
Chief Risk Officerno datano datano data

8.8yrs

Average Tenure

57yo

Average Age

Experienced Management: CIHL's management team is seasoned and experienced (8.8 years average tenure).


Board Members

NamePositionTenureCompensationOwnership
Lyndon Guiseppi
CEO & Executive Director12.33yrsUS$470.00kno data
Philip Osborne
Company Secretary & Director13.67yrsUS$500.00kno data
Peter Michael Gaze
Independent Chairman of the Board1.08yrsUS$40.00kno data
Euric Bobb
Independent Non-Executive Deputy Chairmanno dataUS$60.00kno data
Ydahlia Metzgen-Quemarez
Independent Non-Executive-Director6.42yrsUS$40.00kno data
Geraldine Priscilla Davis-Young
Independent Non-Executive Director2.58yrsUS$30.00kno data

6.4yrs

Average Tenure

67yo

Average Age

Experienced Board: CIHL's board of directors are considered experienced (6.4 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 been diluted in the past year, with total shares outstanding growing by 35.4%.


Top Shareholders

Company Information

Caribbean Investment Holdings Limited's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Caribbean Investment Holdings Limited
  • Ticker: CIHL
  • Exchange: AIM
  • Founded:
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: UK£58.613m
  • Shares outstanding: 134.74m
  • Website: https://www.cihltd.co

Location

  • Caribbean Investment Holdings Limited
  • 60 Market Square
  • PO Box 1764
  • Belize City
  • Belize

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
CIHLAIM (London Stock Exchange AIM Market)YesOrdinary SharesGBGBPMay 1992
BCBH.FOTCPK (Pink Sheets LLC)YesOrdinary SharesUSUSDMay 1992
4U4DB (Deutsche Boerse AG)YesOrdinary SharesDEEURMay 1992

Biography

Caribbean Investment Holdings Limited, through its subsidiaries, provides various banking and financial services in Belize and internationally. It operates through Financial Services and Corporate. It offe...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2020/11/30 19:13
End of Day Share Price2020/11/30 00:00
Earnings2020/03/31
Annual Earnings2020/03/31


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.