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EJFI

EJF Investments LSE:EJFI Stock Report

Last Price

UK£1.21

Market Cap

UK£74.0m

7D

-0.4%

1Y

-5.1%

Updated

04 Jul, 2022

Data

Company Financials +
EJFI fundamental analysis
Snowflake Score
Valuation4/6
Future Growth0/6
Past Performance2/6
Financial Health3/6
Dividends3/6

EJFI Stock Overview

EJF Investments Limited is a principal investment firm.

EJF Investments Competitors

Price History & Performance

Summary of all time highs, changes and price drops for EJF Investments
Historical stock prices
Current Share PriceUK£1.21
52 Week HighUK£1.35
52 Week LowUK£1.19
Beta-0.076
1 Month Change-0.82%
3 Month Change-1.63%
1 Year Change-5.10%
3 Year Change-35.64%
5 Year Change-17.69%
Change since IPO-15.38%

Recent News & Updates

Shareholder Returns

EJFIGB Capital MarketsGB Market
7D-0.4%-2.7%-1.1%
1Y-5.1%-17.9%-9.7%

Return vs Industry: EJFI exceeded the UK Capital Markets industry which returned -17.9% over the past year.

Return vs Market: EJFI exceeded the UK Market which returned -9.7% over the past year.

Price Volatility

Is EJFI's price volatile compared to industry and market?
EJFI volatility
EJFI Average Weekly Movement1.0%
Capital Markets Industry Average Movement4.2%
Market Average Movement5.4%
10% most volatile stocks in GB Market10.6%
10% least volatile stocks in GB Market2.8%

Stable Share Price: EJFI is less volatile than 75% of UK stocks over the past 3 months, typically moving +/- 1% a week.

Volatility Over Time: EJFI's weekly volatility (1%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
2016n/aNeal Wilsonhttps://www.ejfi.com

EJF Investments Limited is a principal investment firm. The firm seeks to invest in financial services sector with a focus in structured debt and equity, loans, bonds, preference shares, convertible notes and private equity. It considers investments domiciled in the United States, the United Kingdom and Europe.

EJF Investments Fundamentals Summary

How do EJF Investments's earnings and revenue compare to its market cap?
EJFI fundamental statistics
Market CapUK£73.99m
Earnings (TTM)UK£10.77m
Revenue (TTM)UK£13.57m

6.9x

P/E Ratio

5.5x

P/S Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
EJFI income statement (TTM)
RevenueUK£13.57m
Cost of RevenueUK£0
Gross ProfitUK£13.57m
Other ExpensesUK£2.79m
EarningsUK£10.77m

Last Reported Earnings

Dec 31, 2021

Next Earnings Date

n/a

Earnings per share (EPS)0.18
Gross Margin100.00%
Net Profit Margin79.41%
Debt/Equity Ratio24.1%

How did EJFI perform over the long term?

See historical performance and comparison

Dividends

8.8%

Current Dividend Yield

61%

Payout Ratio
We’ve recently updated our valuation analysis.

Valuation

Is EJFI undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

4/6

Valuation Score 4/6

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Below Fair Value

  • Significantly Below Fair Value

  • PEG Ratio

Key Valuation Metric

Which metric is best to use when looking at relative valuation for EJFI?

Other financial metrics that can be useful for relative valuation.

EJFI key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenue7.3x
Enterprise Value/EBITDAn/a
PEG Ration/a

Price to Earnings Ratio vs Peers

How does EJFI's PE Ratio compare to its peers?

EJFI PE Ratio vs Peers
The above table shows the PE ratio for EJFI vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyPEEstimated GrowthMarket Cap
Peer Average10.8x
SBSI Schroder BSC Social Impact Trust
15.2xn/aUK£90.9m
CGEO Georgia Capital
3.6xn/aUK£257.5m
TAVI Tavistock Investments
1.4xn/aUK£51.0m
MGCI M&G Credit Income Investment Trust
23.2xn/aUK£139.6m
EJFI EJF Investments
6.9xn/aUK£74.0m

Price-To-Earnings vs Peers: EJFI is good value based on its Price-To-Earnings Ratio (6.9x) compared to the peer average (10.8x).


Price to Earnings Ratio vs Industry

How does EJFI's PE Ratio compare vs other companies in the GB Capital Markets Industry?

Price-To-Earnings vs Industry: EJFI is good value based on its Price-To-Earnings Ratio (6.9x) compared to the UK Capital Markets industry average (9.6x)


Price to Earnings Ratio vs Fair Ratio

What is EJFI'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.

EJFI PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio6.9x
Fair PE Ration/a

Price-To-Earnings vs Fair Ratio: Insufficient data to calculate EJFI's Price-To-Earnings Fair Ratio for valuation analysis.


Share Price vs Fair Value

What is the Fair Price of EJFI when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: EJFI (£1.21) is trading below our estimate of fair value (£3.17)

Significantly Below Fair Value: EJFI is trading below fair value by more than 20%.


Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate EJFI's PEG Ratio to determine if it is good value.


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Future Growth

How is EJF Investments forecast to perform in the next 1 to 3 years based on estimates from 1 analyst?

Future Growth Score

0/6

Future Growth Score 0/6

  • Earnings vs Savings Rate

  • Earnings vs Market

  • High Growth Earnings

  • Revenue vs Market

  • High Growth Revenue

  • Future ROE


-3.4%

Forecasted annual revenue growth

Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

Earnings vs Savings Rate: Insufficient data to determine if EJFI's forecast earnings growth is above the savings rate (0.9%).

Earnings vs Market: Insufficient data to determine if EJFI's earnings are forecast to grow faster than the UK market

High Growth Earnings: Insufficient data to determine if EJFI's earnings are expected to grow significantly over the next 3 years.

Revenue vs Market: EJFI's revenue is expected to decline over the next 3 years (-3.4% per year).

High Growth Revenue: EJFI's revenue is forecast to decline over the next 3 years (-3.4% per year).


Earnings per Share Growth Forecasts


Future Return on Equity

Future ROE: Insufficient data to determine if EJFI's Return on Equity is forecast to be high in 3 years time


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Past Performance

How has EJF Investments performed over the past 5 years?

Past Performance Score

2/6

Past Performance Score 2/6

  • Quality Earnings

  • Growing Profit Margin

  • Earnings Trend

  • Accelerating Growth

  • Earnings vs Industry

  • High ROE


-41.1%

Historical annual earnings growth

Earnings and Revenue History

Quality Earnings: EJFI has high quality earnings.

Growing Profit Margin: EJFI became profitable in the past.


Past Earnings Growth Analysis

Earnings Trend: EJFI's earnings have declined by 41.1% per year over the past 5 years.

Accelerating Growth: EJFI has become profitable in the last year, making the earnings growth rate difficult to compare to its 5-year average.

Earnings vs Industry: EJFI has become profitable in the last year, making it difficult to compare its past year earnings growth to the Capital Markets industry (43.8%).


Return on Equity

High ROE: EJFI's Return on Equity (10.3%) is considered low.


Discover strong past performing companies

Financial Health

How is EJF Investments's financial position?

Financial Health Score

3/6

Financial Health Score 3/6

  • Short Term Liabilities

  • Long Term Liabilities

  • Debt Level

  • Reducing Debt

  • Debt Coverage

  • Interest Coverage

Financial Position Analysis

Short Term Liabilities: EJFI's short term assets (£940.3K) do not cover its short term liabilities (£19.2M).

Long Term Liabilities: EJFI's short term assets (£940.3K) do not cover its long term liabilities (£6.5M).


Debt to Equity History and Analysis

Debt Level: EJFI's net debt to equity ratio (23.5%) is considered satisfactory.

Reducing Debt: Insufficient data to determine if EJFI's debt to equity ratio has reduced over the past 5 years.

Debt Coverage: EJFI's debt is well covered by operating cash flow (28.3%).

Interest Coverage: EJFI's interest payments on its debt are well covered by EBIT (7.7x coverage).


Balance Sheet


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Dividend

What is EJF Investments's current dividend yield, its reliability and sustainability?

Dividend Score

3/6

Dividend Score 3/6

  • Notable Dividend

  • High Dividend

  • Stable Dividend

  • Growing Dividend

  • Earnings Coverage

  • Cash Flow Coverage


8.84%

Current Dividend Yield

Dividend Yield vs Market

Notable Dividend: EJFI's dividend (8.84%) is higher than the bottom 25% of dividend payers in the UK market (1.89%).

High Dividend: EJFI's dividend (8.84%) is in the top 25% of dividend payers in the UK market (5.29%)


Stability and Growth of Payments

Stable Dividend: Whilst dividend payments have been stable, EJFI has been paying a dividend for less than 10 years.

Growing Dividend: EJFI's dividend payments have increased, but the company has only paid a dividend for 5 years.


Earnings Payout to Shareholders

Earnings Coverage: With its reasonable payout ratio (60.7%), EJFI's dividend payments are covered by earnings.


Cash Payout to Shareholders

Cash Flow Coverage: With its high cash payout ratio (91.7%), EJFI's dividend payments are not well covered by cash flows.


Discover strong dividend paying companies

Management

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

5.4yrs

Average board tenure


CEO

Neal Wilson (56 yo)

no data

Tenure

Mr. Neal James Wilson, J.D., serves as the Co-Chief Executive Officer at EJF Capital LLC which he co-founded in 2005. Mr. Wilson served as Chief Operating Officer at EJF Capital. He serves as Vice Chairman...


Board Members

Experienced Board: EJFI's board of directors are considered experienced (5.4 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 not been meaningfully diluted in the past year.


Top Shareholders

Company Information

EJF Investments Limited's employee growth, exchange listings and data sources


Key Information

  • Name: EJF Investments Limited
  • Ticker: EJFI
  • Exchange: LSE
  • Founded: 2016
  • Industry: Asset Management and Custody Banks
  • Sector: Diversified Financials
  • Implied Market Cap: UK£73.986m
  • Shares outstanding: 61.15m
  • Website: https://www.ejfi.com

Location

  • EJF Investments Limited
  • IFC1, Esplanade
  • Saint Helier
  • JE1 4BP
  • Jersey

Listings


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2022/07/04 00:00
End of Day Share Price2022/07/04 00:00
Earnings2021/12/31
Annual Earnings2021/12/31


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.