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CIHL

Caribbean Investment HoldingsAIM:CIHL Stock Report

Market Cap

UK£50.5m

7D

36.4%

1Y

-33.6%

Updated

26 Sep, 2021

Data

Company Financials
CIHL fundamental analysis
Snowflake Score
Valuation4/6
Future Growth0/6
Past Performance4/6
Financial Health4/6
Dividends0/6

CIHL 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

Summary of all time highs, changes and price drops for Caribbean Investment Holdings
Historical stock prices
Current Share PriceUK£0.38
52 Week HighUK£0.25
52 Week LowUK£0.55
Beta1.49
1 Month Change38.89%
3 Month Change15.38%
1 Year Change-33.63%
3 Year Change102.70%
5 Year Change368.75%
Change since IPO-94.93%

Recent News & Updates

Dec 10
Shareholders of Caribbean Investment Holdings (LON:CIHL) Must Be Delighted With Their 524% Total Return

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...

Shareholder Returns

CIHLGB BanksGB Market
7D36.4%0.06%0.6%
1Y-33.6%65.1%24.1%

Return vs Industry: CIHL underperformed the UK Banks industry which returned 65.1% over the past year.

Return vs Market: CIHL underperformed the UK Market which returned 23.4% over the past year.

Price Volatility

Is CIHL's price volatile compared to industry and market?
CIHL volatility
CIHL Beta1.49
Industry Beta1.18
Market Beta1

Stable Share Price: CIHL is more volatile than 75% of UK stocks over the past 3 months, typically moving +/- 8% a week.

Volatility Over Time: CIHL's weekly volatility (8%) has been stable over the past year, but is still higher than 75% of UK stocks.

About the Company

FoundedEmployeesCEOWebsite
n/an/aLyndon Guiseppihttps://www.cihltd.co

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

How do Caribbean Investment Holdings's earnings and revenue compare to its market cap?
CIHL fundamental statistics
Market CapUS$69.06m
Earnings (TTM)US$15.50m
Revenue (TTM)US$29.20m

4.5x

P/E Ratio

0.6x

P/B Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
CIHL income statement (TTM)
RevenueUS$29.20m
Cost of RevenueUS$0
Gross ProfitUS$29.20m
ExpensesUS$13.70m
EarningsUS$15.50m

Last Reported Earnings

Mar 31, 2021

Next Earnings Date

n/a

Earnings per share (EPS)0.12
Gross Margin100.00%
Net Profit Margin53.08%
Debt/Equity Ratio0%

How did CIHL perform over the long term?

See historical performance and comparison

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 (£0.38) is trading below our estimate of fair value (£2.42)

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 (4.5x) compared to the UK Banks industry average (6.8x).

PE vs Market: CIHL is good value based on its PE Ratio (4.5x) compared to the UK market (23.4x).


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.


Future Growth

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

4.2%

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.


Past Performance

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

21.2%

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%) exceeded the Banks industry 51.6%.


Return on Equity

High ROE: CIHL's Return on Equity (12.4%) is considered low.


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 (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%).


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?

13.2yrs

Average management tenure


CEO

Lyndon Guiseppi (57 yo)

13.17yrs

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

Experienced Management: CIHL's management team is seasoned and experienced (13.2 years average tenure).


Board Members

Experienced Board: CIHL's board of directors are considered experienced (7.3 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

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


Key Information

  • Name: Caribbean Investment Holdings Limited
  • Ticker: CIHL
  • Exchange: AIM
  • Founded: NaN
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: UK£50.522m
  • Shares outstanding: 134.73m
  • Website: https://www.cihltd.co

Location

  • Caribbean Investment Holdings Limited
  • 101 Governor's Road
  • Leeward
  • Providenciales
  • Turks & Caicos Islands

Listings


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2021/09/26 17:44
End of Day Share Price2021/09/24 00:00
Earnings2021/03/31
Annual Earnings2021/03/31


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.