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SafeCharge International Group

AIM:SCH
Snowflake Description

Flawless balance sheet with moderate growth potential.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
SCH
AIM
£489M
Market Cap
  1. Home
  2. GB
  3. Software
Company description

SafeCharge International Group Limited, together with its subsidiaries, provides omni-channel payments services and risk management solutions in Europe and internationally. The last earnings update was 198 days ago. More info.


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SCH Share Price and Events
Price Volatility
Industry
5yr Volatility vs Market
Related Companies

Sorry, no analysis for SafeCharge International Group's competitors could be found in our database.

SCH Value

 Is SafeCharge International Group undervalued based on future cash flows and its price relative to the stock market?

Value is all about what a company is worth versus what price it is available for. If you went into a grocery store and all the bananas were on sale at half price, they could be considered undervalued.
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
Here we compare the current share price of SafeCharge International Group to its discounted cash flow analysis.value.

The discounted cash flow value is simply looking at what the company is worth today, based on estimates of how much money it is expected to make in the future.
Raw Data

Below are the data sources, inputs and calculation used to determine the intrinsic value for SafeCharge International Group.

AIM:SCH Discounted Cash Flow Data Sources
Data Point Source Value
Valuation Model 2 Stage Free Cash Flow to Equity
Levered Free Cash Flow Average of 5 Analyst Estimates (S&P Global) See below
Discount Rate (Cost of Equity) See below 8.3%
Perpetual Growth Rate 10-Year GB Government Bond Rate 1.4%

An important part of a discounted cash flow is the discount rate, below we explain how it has been calculated.

Calculation of Discount Rate/ Cost of Equity for AIM:SCH
Data Point Calculation/ Source Result
Risk-Free Rate 10-Year GB Govt Bond Rate 1.4%
Equity Risk Premium S&P Global 8.6%
IT Unlevered Beta Simply Wall St/ S&P Global 0.56
Re-levered Beta = Unlevered beta (1 + (1- tax rate) (Debt/Equity))
= 0.562 (1 + (1- 21%) (0%))
0.562
Levered Beta Levered Beta limited to 0.8 to 2.0
(practical range for a stable firm)
0.8
Discount Rate/ Cost of Equity = Cost of Equity = Risk Free Rate + (Levered Beta * Equity Risk Premium)
= 1.4% + (0.8 * 8.6%)
8.28%

Discounted Cash Flow Calculation for AIM:SCH using 2 Stage Free Cash Flow to Equity Model

The calculations below outline how an intrinsic value for SafeCharge International Group is arrived at by discounting future cash flows to their present value using the 2 stage method. We use analyst's estimates of cash flows going forward 5 years for the 1st stage, the 2nd stage assumes the company grows at a stable rate into perpetuity.

AIM:SCH DCF 1st Stage: Next 5 year cash flow forecast
2018 2019 2020 2021 2022
Levered FCF (USD, Millions) 23.00 25.50 28.70 33.58 38.95
Source Analyst x1 Analyst x1 Analyst x1 Extrapolated @ (17%, capped from 17.76%) Extrapolated @ (16%, capped from 17.76%)
Present Value
Discounted (@ 8.28%)
21.24 21.75 22.61 24.43 26.17
Present value of next 5 years cash flows $116
AIM:SCH DCF 2nd Stage: Terminal Value
Calculation Result
Terminal Value = FCF2022 × (1 + g) ÷ (Discount Rate – g)
= $39 × (1 + 1.4%) ÷ (8.28% – 1.4%)
$574
Present Value of Terminal Value = Terminal Value ÷ (1 + r)5
= $574 ÷ (1 + 8.28%)5
$386
AIM:SCH Total Equity Value
Calculation Result
Total Equity Value = Present value of next 5 years cash flows + Terminal Value
= $116 + $386
$502
Equity Value per Share
(USD)
= Total value / Shares Outstanding
= $502 / 148
$3.39
AIM:SCH Discount to Share Price
Calculation Result
Exchange Rate USD/GBP
(Reporting currency to currency of AIM:SCH)
0.756
Value per Share
(GBP)
= Value per Share in USD x Exchange Rate (USD/GBP)
= $3.39 x 0.756
£2.56
Value per share (GBP) From above. £2.56
Current discount Discount to share price of £3.30
= -1 x (£3.30 - £2.56) / £2.56
-28.9%

Learn more about our DCF calculations in Simply Wall St’s analysis model .

  • The current share price of SafeCharge International Group is above its future cash flow value.
Often investors are willing to pay a premium for a company that has a high dividend or the potential for future growth.
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing when they are out of season, or how much your home is worth.

The amount the stock market is willing to pay for SafeCharge International Group's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are SafeCharge International Group's earnings available for a low price, and how does this compare to other companies in the same industry?
Raw Data
AIM:SCH PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings () in USD $0.16
AIM:SCH Share Price ** AIM (2018-07-17) in GBP £3.3
AIM:SCH Share Price converted to USD reporting currency Exchange rate (GBP/ USD) 1.323 $4.37
United Kingdom of Great Britain and Northern Ireland IT Industry PE Ratio Median Figure of 24 Publicly-Listed IT Companies 23.79x
United Kingdom of Great Britain and Northern Ireland Market PE Ratio Median Figure of 882 Publicly-Listed Companies 17.07x

* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.

** Primary Listing of SafeCharge International Group.

AIM:SCH PE (Price to Earnings) Ratio Calculation
Calculation Outcome
PE Ratio

= AIM:SCH Share Price ÷ EPS (both in USD)

= 4.37 ÷ 0.16

27.06x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • SafeCharge International Group is overvalued based on earnings compared to the GB IT industry average.
  • SafeCharge International Group is overvalued based on earnings compared to the United Kingdom of Great Britain and Northern Ireland market.
Price based on expected Growth
Does SafeCharge International Group's expected growth come at a high price?
Raw Data
AIM:SCH PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section 27.06x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 5 Analysts
13.5%per year
United Kingdom of Great Britain and Northern Ireland IT Industry PEG Ratio Median Figure of 16 Publicly-Listed IT Companies 3.09x
United Kingdom of Great Britain and Northern Ireland Market PEG Ratio Median Figure of 592 Publicly-Listed Companies 1.57x

*Line of best fit is calculated by linear regression .

AIM:SCH PEG (Price to Earnings to Growth) Ratio Calculation
Calculation Outcome
PEG Ratio

= PE Ratio ÷ Net Income Annual Growth Rate

= 27.06x ÷ 13.5%

2.01x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • SafeCharge International Group is poor value based on expected growth next year.
Price based on value of assets
What value do investors place on SafeCharge International Group's assets?
Raw Data
AIM:SCH PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings () in USD $1.06
AIM:SCH Share Price * AIM (2018-07-17) in GBP £3.3
AIM:SCH Share Price converted to USD reporting currency Exchange rate (GBP/ USD) 1.323 $4.37
United Kingdom of Great Britain and Northern Ireland IT Industry PB Ratio Median Figure of 36 Publicly-Listed IT Companies 2.73x
United Kingdom of Great Britain and Northern Ireland Market PB Ratio Median Figure of 1,515 Publicly-Listed Companies 1.71x
AIM:SCH PB (Price to Book) Ratio Calculation
Calculation Outcome
PB Ratio

= AIM:SCH Share Price ÷ Book Value per Share (both in USD)

= 4.37 ÷ 1.06

4.11x

* Primary Listing of SafeCharge International Group.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • SafeCharge International Group is overvalued based on assets compared to the GB IT industry average.
X
Value checks
We assess SafeCharge International Group's value by looking at:
  1. Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
  2. Is the PE ratio less than the market average, and/ or less than the IT industry average (and greater than 0)? (2 checks)
  3. Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
  4. Is the PB ratio less than the IT industry average (and greater than 0)? (1 check)
  5. SafeCharge International Group has a total score of 0/6, see the detailed checks below.

    Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.

    Full details on the Value part of the Simply Wall St company analysis model.

SCH Future Performance

 How is SafeCharge International Group expected to perform in the next 1 to 3 years based on estimates from 5 analysts?

The future performance of a company is measured in the same way as past performance, by looking at estimated growth and how much profit it is expected to make.

Future estimates come from professional analysts. Just like forecasting the weather, they don’t always get it right!
Annual Growth Rate
13.5%
Expected annual growth in earnings.
Earnings growth vs Low Risk Savings
Is SafeCharge International Group expected to grow at an attractive rate?
  • SafeCharge International Group's earnings growth is expected to exceed the low risk savings rate of 1.4%.
Growth vs Market Checks
  • SafeCharge International Group's earnings growth is expected to exceed the United Kingdom of Great Britain and Northern Ireland market average.
  • SafeCharge International Group's revenue growth is expected to exceed the United Kingdom of Great Britain and Northern Ireland market average.
Annual Growth Rates Comparison
Raw Data
AIM:SCH Future Growth Rates Data Sources
Data Point Source Value (per year)
AIM:SCH Future Earnings Growth Rate Line of Best Fit* through Consensus Estimate Earnings of 5 Analysts 13.5%
AIM:SCH Future Revenue Growth Rate Line of Best Fit* through Consensus Estimate Revenue of 5 Analysts 12.5%
United Kingdom of Great Britain and Northern Ireland IT Industry Earnings Growth Rate Market Cap Weighted Average 65.4%
United Kingdom of Great Britain and Northern Ireland IT Industry Revenue Growth Rate Market Cap Weighted Average 8.2%
United Kingdom of Great Britain and Northern Ireland Market Earnings Growth Rate Market Cap Weighted Average 9.6%
United Kingdom of Great Britain and Northern Ireland Market Revenue Growth Rate Market Cap Weighted Average 4.6%

*Line of best fit is calculated by linear regression .

Industry and Market average data is calculated daily.

Learn more about our growth rate calculations in Simply Wall St’s analysis model.

Analysts growth expectations
Raw Data
AIM:SCH Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (6 months ago) See Below
Future Estimates Average of up to 5 Analyst Estimates (S&P Global) See Below
All numbers in USD Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
AIM:SCH Future Estimates Data
Date (Data in USD Millions) Revenue Cash Flow Net Income * Avg. No. Analysts
2020-12-31 163 42 36 5
2019-12-31 146 37 31 5
2018-12-31 129 34 27 5
AIM:SCH Past Financials Data
Date (Data in USD Millions) Revenue Cash Flow Net Income *
2017-12-31 112 39 24
2017-09-30 108 37 24
2017-06-30 105 35 24
2017-03-31 105 31 25
2016-12-31 104 27 27
2016-09-30 103 27 26
2016-06-30 103 28 26
2016-03-31 101 28 24
2015-12-31 100 28 23
2015-09-30 96 26 22
2015-06-30 92 24 22
2015-03-31 84 22 18

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • SafeCharge International Group's earnings are expected to grow by 13.5% yearly, however this is not considered high growth (20% yearly).
  • SafeCharge International Group's revenue is expected to grow by 12.5% yearly, however this is not considered high growth (20% yearly).
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can be gauged below. We look back 3 years and see if they were any good at predicting what actually occurred. We also show the highest and lowest estimates looking forward to see if there is a wide range.
Raw Data
AIM:SCH Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (6 months ago) See Below
Future Estimates Average of up to 5 Analyst Estimates (S&P Global) See Below

All data from SafeCharge International Group Company Filings, last reported 6 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

AIM:SCH Future Estimates Data
Date (Data in USD Millions) EPS * EPS High Estimate EPS Low Estimate Avg. No. Analysts
2020-12-31 0.23 0.26 0.21 2.00
2019-12-31 0.20 0.21 0.19 2.00
2018-12-31 0.18 0.18 0.17 2.00
AIM:SCH Past Financials Data
Date (Data in USD Millions) EPS *
2017-12-31 0.16
2017-09-30 0.16
2017-06-30 0.16
2017-03-31 0.17
2016-12-31 0.18
2016-09-30 0.17
2016-06-30 0.17
2016-03-31 0.16
2015-12-31 0.15
2015-09-30 0.15
2015-06-30 0.15
2015-03-31 0.13

*GAAP earnings excluding extraordinary items.

Performance in 3 years
In the same way as past performance we look at the future estimated return (profit) compared to the available funds. We do this looking forward 3 years.
  • SafeCharge International Group is not expected to efficiently use shareholders’ funds in the future (Return on Equity less than 20%).
X
Future performance checks
We assess SafeCharge International Group's future performance by looking at:
  1. Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
  2. Is the annual earnings growth rate expected to beat the average growth rate in earnings of the United Kingdom of Great Britain and Northern Ireland market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the United Kingdom of Great Britain and Northern Ireland market? (1 check)
  4. Is the annual earnings growth rate expected to be above 20%? (1 check)
  5. Is the annual revenue growth rate expected to be above 20%? (1 check)
  6. Is the Return on Equity in 3 years expected to be over 20%? (1 check)
Some of the above checks will fail if the company is expected to be loss making in the relevant year.
SafeCharge International Group has a total score of 3/6, see the detailed checks below.

Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.

Full details on the Future part of the Simply Wall St company analysis model.

SCH Past Performance

  How has SafeCharge International Group performed over the past 5 years?

  • SafeCharge International Group's last earnings update was 198 days ago.
The past performance of a company can be measured by how much growth it has experienced and how much profit it makes relative to the funds and assets it has available.
Past earnings growth
Below we compare SafeCharge International Group's growth in the last year to its industry (IT).
Past Earnings growth analysis
We also check if the company has grown in the past 5 years, and whether it has maintained that growth in the year.
  • SafeCharge International Group has delivered over 20% year on year earnings growth in the past 5 years.
  • SafeCharge International Group's 1-year earnings growth is negative, it can't be compared to the 5-year average.
  • SafeCharge International Group's 1-year earnings growth is negative, it can't be compared to the GB IT industry average.
Earnings and Revenue History
SafeCharge International Group's revenue and profit over the past 5 years is shown below, any years where they have experienced a loss will show up in red.
Raw Data

All data from SafeCharge International Group Company Filings, last reported 6 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

AIM:SCH Past Revenue, Cash Flow and Net Income Data
Date (Data in USD Millions) Revenue Net Income * G+A Expenses R&D Expenses
2017-12-31 111.69 23.81 25.51
2017-09-30 108.32 23.66 24.35
2017-06-30 104.95 23.50 23.19
2017-03-31 104.54 25.03 23.26
2016-12-31 104.14 26.55 23.33
2016-09-30 103.33 26.11 23.34
2016-06-30 102.53 25.66 23.35
2016-03-31 101.17 24.26 22.84
2015-12-31 99.82 22.85 22.34
2015-09-30 95.90 22.43 21.00
2015-06-30 91.98 22.00 19.65
2015-03-31 84.46 18.22 18.35
2014-12-31 76.94 14.44 17.04
2014-09-30 67.56 8.89 16.44
2014-06-30 58.17 3.35 15.84
2014-03-31 50.67 1.01 15.50
2013-12-31 43.16 -1.33 15.15
2012-12-31 32.85 3.61 9.41
2011-12-31 30.34 5.32 8.25

*GAAP earnings excluding extraordinary items.

Performance last year
We want to ensure a company is making the most of what it has available. This is done by comparing the return (profit) to a company's available funds, assets and capital.
  • SafeCharge International Group has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
  • SafeCharge International Group used its assets more efficiently than the GB IT industry average last year based on Return on Assets.
  • SafeCharge International Group has significantly improved its use of capital last year versus 3 years ago (Return on Capital Employed).
X
Past performance checks
We assess SafeCharge International Group's performance over the past 5 years by checking for:
  1. Has earnings increased in past 5 years? (1 check)
  2. Has the earnings growth in the last year exceeded that of the IT industry? (1 check)
  3. Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
  4. Is the Return on Equity (ROE) higher than 20%? (1 check)
  5. Is the Return on Assets (ROA) above industry average? (1 check)
  6. Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent earnings report. Some checks require at least 3 or 5 years worth of data.
SafeCharge International Group has a total score of 3/6, see the detailed checks below.

Note: We use GAAP Net Income excluding extraordinary items in all our calculations.

Full details on the Past part of the Simply Wall St company analysis model.

SCH Health

 How is SafeCharge International Group's financial health and their level of debt?

A company's financial position is much like your own financial position, it includes everything you own (assets) and owe (liabilities).

The boxes below represent the relative size of what makes up SafeCharge International Group's finances.

The net worth of a company is the difference between its assets and liabilities.
Net Worth
  • SafeCharge International Group is able to meet its short term (1 year) commitments with its holdings of cash and other short term assets.
  • SafeCharge International Group's cash and other short term assets cover its long term commitments.
Balance sheet
This treemap shows a more detailed breakdown of SafeCharge International Group's finances. If any of them are yellow this indicates they may be out of proportion and red means they relate to one of the checks below.
Assets
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
  • Low level of unsold assets.
  • SafeCharge International Group has no debt, it does not need to be covered by short term assets.
Historical Debt
Nearly all companies have debt. Debt in itself isn’t bad, however if the debt is too high, or the company can’t afford to pay the interest on its debts this may have impacts in the future.

The graphic below shows equity (available funds) and debt, we ideally want to see the red area (debt) decreasing.

If there is any debt we look at the companies capability to repay it, and whether the level has increased over the past 5 years.
Raw Data

All data from SafeCharge International Group Company Filings, last reported 6 months ago.

AIM:SCH Past Debt and Equity Data
Date (Data in USD Millions) Total Equity Total Debt Cash & Short Term Investments
2017-12-31 155.92 0.00 108.86
2017-09-30 155.92 0.00 108.86
2017-06-30 156.11 0.00 113.02
2017-03-31 156.11 0.00 113.02
2016-12-31 160.49 0.00 115.36
2016-09-30 160.49 0.00 115.36
2016-06-30 165.43 0.00 128.07
2016-03-31 165.43 0.00 128.07
2015-12-31 167.34 0.00 114.88
2015-09-30 167.34 0.00 114.88
2015-06-30 157.32 0.00 115.67
2015-03-31 157.32 0.00 115.67
2014-12-31 151.20 0.00 146.51
2014-09-30 151.20 0.00 146.51
2014-06-30 144.18 0.00 141.97
2014-03-31 144.18 0.00 141.97
2013-12-31 16.93 0.00 11.82
2012-12-31 48.55 0.00 7.98
2011-12-31 49.34 0.00 26.03
  • SafeCharge International Group has no debt.
  • SafeCharge International Group has not taken on any debt in the past 5 years.
  • SafeCharge International Group has no debt, it does not need to be covered by operating cash flow.
  • SafeCharge International Group has no debt, therefore coverage of interest payments is not a concern.
X
Financial health checks
We assess SafeCharge International Group's financial health by checking for:
  1. Are short term assets greater than short term liabilities? (1 check)
  2. Are short term assets greater than long term liabilities? (1 check)
  3. Has the debt to equity ratio increased in the past 5 years? (1 check)
  4. Is the debt to equity ratio over 40%? (1 check)
  5. Is the debt covered by operating cash flow? (1 check)
  6. Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check)
  7. SafeCharge International Group has a total score of 6/6, see the detailed checks below.
For companies that are loss making and have been so on average in the past we replace the last 2 checks with:
  1. Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
  2. Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)


Full details on the Health part of the Simply Wall St company analysis model.

SCH Dividends

 What is SafeCharge International Group's current dividend yield, its reliability and sustainability?

Dividends are regular cash payments to you from the company, similar to a bank paying you interest on a savings account.
Annual Dividend Income
Dividend payments
3.57%
Current annual income from SafeCharge International Group dividends. Estimated to be 4.89% next year.
If you bought £2,000 of SafeCharge International Group shares you are expected to receive £71 in your first year as a dividend.
Dividend Amount
Here we look how much dividend is being paid, if any. Is it above what you can get in a savings account? It is up there with the best dividend paying companies?
  • SafeCharge International Group's pays a higher dividend yield than the bottom 25% of dividend payers in United Kingdom of Great Britain and Northern Ireland (1.72%).
  • SafeCharge International Group's dividend is below the markets top 25% of dividend payers in United Kingdom of Great Britain and Northern Ireland (4.56%).
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not wildly increasing/decreasing each year. This graph shows you the historical rate to count toward your assessment of the stock.

We also check to see if the dividend has increased in the past 10 years.
Raw Data
AIM:SCH Annualized Past and Future Dividends
Data Point Source Value
Past Annualized Dividend Yield S&P Global Market Data See Below
Past Dividends per Share Company Filings/ Annualized Dividend Payments See Below
Future Dividends per Share Estimates Average of up to 5 Analyst Estimates (S&P Global) See Below
United Kingdom of Great Britain and Northern Ireland IT Industry Average Dividend Yield Market Cap Weighted Average of 16 Stocks 1.8%
United Kingdom of Great Britain and Northern Ireland Market Average Dividend Yield Market Cap Weighted Average of 744 Stocks 3.9%
United Kingdom of Great Britain and Northern Ireland Minimum Threshold Dividend Yield 10th Percentile 0.9%
United Kingdom of Great Britain and Northern Ireland Bottom 25% Dividend Yield 25th Percentile 1.7%
United Kingdom of Great Britain and Northern Ireland Top 25% Dividend Yield 75th Percentile 4.6%

Industry and Market average data is calculated daily.

Note all dividend per share amounts are annualized and not quarterly or other period.

AIM:SCH Future Dividends Estimate Data
Date (Data in $) Dividend per Share (annual) Avg. No. Analysts
2020-12-31 0.24 5.00
2019-12-31 0.21 5.00
2018-12-31 0.19 5.00
AIM:SCH Past Annualized Dividends Data
Date (Data in $) Dividend per share (annual) Avg. Yield (%)
2018-04-16 0.118 3.797
2018-03-14 0.118 4.031
2016-04-25 0.099 4.670
2015-03-17 0.051 2.087
2014-09-09 0.035 1.501

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Whilst dividend payments have been stable, SafeCharge International Group has been paying a dividend for less than 10 years.
  • Dividend payments have increased, but SafeCharge International Group only paid a dividend in the past 4 years.
Current Payout to shareholders
What portion of SafeCharge International Group's earnings are paid to the shareholders as a dividend.
  • Dividends paid are not well covered by net profit (1x coverage).
Future Payout to shareholders
  • Dividends after 3 years are not well covered by net profit (1x coverage).
X
Income/ dividend checks
We assess SafeCharge International Group's dividend by checking for:
  1. Firstly is the company paying a notable dividend (greater than 0.9%) - if not then the rest of the checks are ignored.
  2. Is current dividend yield above the bottom 25% of dividend payers? (1 check)
  3. Is current dividend yield above the top 25% of dividend payers? (1 check)
  4. Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
  5. If they have paid a dividend for 10 years has it increased in this time? (1 check)
  6. How sustainable is the dividend, can SafeCharge International Group afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
  7. SafeCharge International Group has a total score of 1/6, see the detailed checks below.


Full details on the Dividends part of the Simply Wall St company analysis model.

SCH Management

 What is the CEO of SafeCharge International Group's salary, the management and board of directors tenure and is there insider trading?

Management is one of the most important areas of a company. We look at unreasonable CEO compensation, how long the team and board of directors have been around for and insider trading.
CEO
David Avgi, image provided by Google.
David Avgi
COMPENSATION $1,199,000
TENURE AS CEO 11.5 years
CEO Bio

Mr. David Avgi has been the Chief Executive Officer of SafeCharge International Group Limited since 2007 and has been its Director since March 26, 2014. Mr. Avgi was instrumental in creating SafeCharge's core solutions, negotiating strategic agreements with acquiring banks and facilitating mergers and acquisitions. He possesses a broad and comprehensive hands-on knowledge and experience in e-payments, business development, risk management, compliance and all aspects of creating and managing online payments and e-commerce operations. He holds a Bachelor of Technology degree in Industrial and Managerial Engineering from Shenkar College Israel, where he specialised in the development of information systems.

CEO Compensation
  • David's compensation has been consistent with company performance over the past year.
  • David's compensation is higher than average for a company of this size and profit level.
Management Team Tenure

Average tenure and age of the SafeCharge International Group management team in years:

1.8
Average Tenure
41
Average Age
  • The average tenure for the SafeCharge International Group management team is less than 2 years, this suggests a new team.
Management Team

David Avgi

TITLE
Co-Founder
COMPENSATION
$1M
TENURE
11.5 yrs

Tsach Einav

TITLE
Group CFO & Executive Director
COMPENSATION
$668K
AGE
44
TENURE
0.8 yrs

Yuval Ziv

TITLE
Group COO & Director
COMPENSATION
$573K
AGE
41
TENURE
2.5 yrs

Oded Kovach

TITLE
Chief Technology Officer
AGE
39
TENURE
3.5 yrs

Amnon Cohen

TITLE
Chief Information Officer
AGE
43

Jean Beaubois

TITLE
Head of Investor Relations
TENURE
0.8 yrs

Delphine Bos

TITLE
Vice President of Marketing
TENURE
0.8 yrs

Shemer Katz

TITLE
Chief People Officer & Executive VP
TENURE
1 yrs

Noam Grinberg

TITLE
Head of Risk Management
AGE
38
TENURE
8 yrs

Praful Morar

TITLE
Executive Vice President of Partnerships & Bank Relationships
Board of Directors Tenure

Average tenure and age of the SafeCharge International Group board of directors in years:

1.8
Average Tenure
47
Average Age
  • The average tenure for the SafeCharge International Group board of directors is less than 3 years, this suggests a new board.
Board of Directors

Roger Withers

TITLE
Non-Executive Chairman
COMPENSATION
$110K
AGE
75

David Avgi

TITLE
Co-Founder
COMPENSATION
$1M
TENURE
4.3 yrs

Jeremy Nicholds

TITLE
Deputy-Chairman
COMPENSATION
$71K
AGE
56
TENURE
0.2 yrs

Tsach Einav

TITLE
Group CFO & Executive Director
COMPENSATION
$668K
AGE
44
TENURE
1.1 yrs

Yuval Ziv

TITLE
Group COO & Director
COMPENSATION
$573K
AGE
41
TENURE
2.5 yrs

John Le Poidevin

TITLE
Non-Executive Director
COMPENSATION
$81K
AGE
47

Robert Caplehorn

TITLE
Non-Executive Director
COMPENSATION
$71K
TENURE
1.8 yrs
Recent Insider Trading
  • No 3 month insider trading information.
Who owns this company?
X
Management checks
We assess SafeCharge International Group's management by checking for:
  1. Is the CEO's compensation unreasonable compared to market cap and profit (greater than 0.5% of the company's profit + 0.03% of market cap)? (1 check)
  2. Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
  3. Is the average tenure of the management team less than 2 years? (1 check)
  4. Is the average tenure of the board of directors team less than 3 years? (1 check)
  5. SafeCharge International Group has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.


Note: We use the top 6 management executives and board members in our calculations.

Note 2: Insider trading include any internal stakeholders and these transactions .

Full details on the Management part of the Simply Wall St company analysis model.

SCH News

External News
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Simply Wall St News

SafeCharge International Group Limited (LON:SCH)'s Return on Capital

and want to better understand how you can grow your money by investing in SafeCharge International Group Limited (LON:SCH). … Owing to this, it is important that the underlying business is producing a sufficient amount of income from the capital invested by stockholders … You need to pay attention to this because your return on investment is linked to dividends and internal investments to improve the business, which can only occur if the company is expected to produce adequate earnings with the capital that has been provided.

Simply Wall St -

Want To Invest In SafeCharge International Group Limited (LON:SCH)? Here's How It Performed Lately

Assessing SafeCharge International Group Limited's (LON:SCH) past track record of performance is a useful exercise for investors. … Below, I assess SCH's latest performance announced on 31 December 2017 and evaluate these figures to its historical trend and industry movements. … Furthermore, this one-year growth rate has been lower than its average earnings growth rate over the past 5 years of 30.31%, indicating the rate at which SCH is growing has slowed down

Simply Wall St -

Is SafeCharge International Group Limited (LON:SCH) Undervalued?

SafeCharge International Group Limited (AIM:SCH), a it company based in Guernsey, saw a double-digit share price rise of over 10% in the past couple of months on the AIM. … It’s trading around 14% above my intrinsic value, which means if you buy SafeCharge International Group today, you’d be paying a relatively reasonable price for it. … Furthermore, it seems like SafeCharge International Group’s share price is quite stable, which means there may be less chances to buy low in the future now that it’s fairly valued.

Simply Wall St -

Have Investors Priced In SafeCharge International Group Limited's (LON:SCH) Growth?

SafeCharge International Group Limited (AIM:SCH) closed yesterday at £3.225, which left some investors asking whether the high earnings potential can still be justified at this price. … SCH is trading at price-to-earnings (PE) ratio of 27.13x, which suggests that SafeCharge International Group is undervalued based on its latest annual earnings update compared to the it average of 27.13x , and overvalued compared to the GB market average ratio of 17.55x. … A PE ratio of 27.13x and expected year-on-year earnings growth of 15.83% give SafeCharge International Group a higher PEG ratio of 1.71x.

Simply Wall St -

Income Investors Should Steer Clear of SafeCharge International Group Limited (LON:SCH)

Does SafeCharge International Group tick all the boxes of a great dividend stock? … Check out our latest analysis for SafeCharge International Group 5 questions I ask before picking a dividend stock Whenever I am looking at a potential dividend stock investment, I always check these five metrics: Is it paying an annual yield above 75% of dividend payers? … AIM:SCH Historical Dividend Yield Mar 8th 18 Does SafeCharge International Group pass our checks?

Simply Wall St -

Best Growth Stock in December

SCH’s forecasted bottom line growth is an optimistic double-digit 41.18%, driven by the underlying double-digit sales growth of 28.12% over the next few years. … Driven by the positive double-digit sales growth of 43.66% over the next few years, OTB is expected to deliver an excellent earnings growth of 72.22%. … An outstanding 79.45% earnings growth is forecasted for SPH, driven by strong underlying sales growth over the next few years.

Simply Wall St -

Is SafeCharge International Group Limited's (LON:SCH) Stock Available For A Good Price After Accounting For Growth?

As the legendary value investor Ben Graham once said, “Price is what you pay, value is what you get.” SafeCharge International Group is trading at price-to-earnings (PE) ratio of 24.75x, which tells us the stock is undervalued based on its latest annual earnings update compared to the it services average of 26.7x , and overvalued compared to the GB market average ratio of 17.78x. … However, to properly examine the value of a high-growth stock such as SafeCharge International Group, we must reflect its earnings growth into the valuation. … Expected 21.18% growth in earnings next year and P/E ratio of 24.75x give SafeCharge International Group a higher PEG ratio of 1.71x.

Simply Wall St -

SCH Company Info

Map
Description

SafeCharge International Group Limited, together with its subsidiaries, provides omni-channel payments services and risk management solutions in Europe and internationally. The company offers SafeCharge Payments Engine, an end-to-end proprietary payment platform, including omnichannel checkouts services across online, mobile, and point of sale channels; Rules Engine that provides real-time fraud screening rules that can block or flag customers transactions; and optimization solutions. It also provides SafeCharge Marketplace Manager, which allows marketplaces to outsource a part or full payment function, including payment flow and splitting, such as onboarding, payment management, and compliance solutions. In addition, the company offers pay-in methods; and pay-out methods, including local and real-time bank transfers, and credit funds transfer on cards and wallets, as well as PAY.COM for issuing prepaid cards. It serves customers in the retail, travel, gaming, digital goods, and financial services industries. The company was founded in 2006 and is based in St Peter Port, Guernsey. SafeCharge International Group Limited is a subsidiary of Northenstar Investments Limited.

Details
Name: SafeCharge International Group Limited
SCH
Exchange: AIM
Founded: 2006
£488,836,824
148,132,371
Website: http://www.safecharge.com
Address: SafeCharge International Group Limited
Admiral Park,
Dorey Court,
St Peter Port,
GY1 2HT,
Guernsey
Listings
Exchange Symbol Ticker Symbol Security Exchange Country Currency Listed on
AIM SCH Ordinary Shares London Stock Exchange AIM Market GB GBP 02. Apr 2014
DB 286 Ordinary Shares Deutsche Boerse AG DE EUR 02. Apr 2014
Number of employees
Current staff
Staff numbers
360
SafeCharge International Group employees.
Industry
Data Processing and Outsourced Services
Software
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2018/07/17 19:58
End of day share price update: 2018/07/17 00:00
Last estimates confirmation: 2018/07/02
Last earnings update: 2017/12/31
Last annual earnings update: 2017/12/31


All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.

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.