PEN Stock Overview
Peninsula Group Ltd provides credit and commercial finance solutions to small and medium-sized enterprises in Israel.
Peninsula Group Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||₪2.30|
|52 Week High||₪3.46|
|52 Week Low||₪2.16|
|1 Month Change||0.26%|
|3 Month Change||-7.22%|
|1 Year Change||-29.07%|
|3 Year Change||-19.94%|
|5 Year Change||6.83%|
|Change since IPO||161.78%|
Recent News & Updates
Should You Be Adding Peninsula Group (TLV:PEN) To Your Watchlist Today?
For beginners, it can seem like a good idea (and an exciting prospect) to buy a company that tells a good story to...
|PEN||IL Diversified Financial||IL Market|
Return vs Industry: PEN underperformed the IL Diversified Financial industry which returned -16.6% over the past year.
Return vs Market: PEN underperformed the IL Market which returned 13.5% over the past year.
|PEN Average Weekly Movement||4.2%|
|Diversified Financial Industry Average Movement||4.4%|
|Market Average Movement||5.4%|
|10% most volatile stocks in IL Market||8.9%|
|10% least volatile stocks in IL Market||3.7%|
Stable Share Price: PEN is less volatile than 75% of IL stocks over the past 3 months, typically moving +/- 4% a week.
Volatility Over Time: PEN's weekly volatility (4%) has been stable over the past year.
About the Company
Peninsula Group Ltd provides credit and commercial finance solutions to small and medium-sized enterprises in Israel. It serves customers in various fields, including industry, manufacturing, commerce, import, distribution, construction, infrastructure, retail, and services. The company was founded in 2004 and is based in Tel Aviv-Yafo, Israel.
Peninsula Group Fundamentals Summary
|PEN fundamental statistics|
Is PEN overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|PEN income statement (TTM)|
|Cost of Revenue||₪195.00k|
Last Reported Earnings
Mar 31, 2022
Next Earnings Date
|Earnings per share (EPS)||0.25|
|Net Profit Margin||50.70%|
How did PEN perform over the long term?See historical performance and comparison
8.0%Current Dividend Yield
Is PEN undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score 3/6
Price-To-Earnings vs Peers
Price-To-Earnings vs Industry
Price-To-Earnings vs Fair Ratio
Below Fair Value
Significantly Below Fair Value
Key Valuation Metric
Which metric is best to use when looking at relative valuation for PEN?
Other financial metrics that can be useful for relative valuation.
|What is PEN's n/a Ratio?|
Price to Earnings Ratio vs Peers
How does PEN's PE Ratio compare to its peers?
|PEN PE Ratio vs Peers|
|Company||PE||Estimated Growth||Market Cap|
SRAC S.R. Accord
MNIF Menif Financial Services
MCLL Michlol Finance
MCMN Michman Besd
PEN Peninsula Group
Price-To-Earnings vs Peers: PEN is good value based on its Price-To-Earnings Ratio (9.3x) compared to the peer average (17.7x).
Price to Earnings Ratio vs Industry
How does PEN's PE Ratio compare vs other companies in the Asian Diversified Financial Industry?
Price-To-Earnings vs Industry: PEN is good value based on its Price-To-Earnings Ratio (9.3x) compared to the IL Diversified Financial industry average (11.9x)
Price to Earnings Ratio vs Fair Ratio
What is PEN'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.
|Current PE Ratio||9.3x|
|Fair PE Ratio||n/a|
Price-To-Earnings vs Fair Ratio: Insufficient data to calculate PEN's Price-To-Earnings Fair Ratio for valuation analysis.
Share Price vs Fair Value
What is the Fair Price of PEN when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.
Below Fair Value: PEN (₪2.3) is trading below our estimate of fair value (₪2.45)
Significantly Below Fair Value: PEN is trading below fair value, but not by a significant amount.
Analyst Price Targets
What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?
Analyst Forecast: Insufficient data to show price forecast.
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How is Peninsula Group forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
Future Growth Score0/6
Future Growth Score 0/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Forecasted Diversified Financials 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 Peninsula Group 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.
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- Examine whether Peninsula Group is trading at an attractive price based on how much it is expected to earn in the future, and relative to its industry peers and the wider market.
How has Peninsula Group performed over the past 5 years?
Past Performance Score1/6
Past Performance Score 1/6
Growing Profit Margin
Earnings vs Industry
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: PEN has a high level of non-cash earnings.
Growing Profit Margin: PEN's current net profit margins (50.7%) are lower than last year (54.9%).
Past Earnings Growth Analysis
Earnings Trend: PEN's earnings have grown significantly by 35.4% per year over the past 5 years.
Accelerating Growth: PEN's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: PEN had negative earnings growth (-26.2%) over the past year, making it difficult to compare to the Diversified Financial industry average (21.3%).
Return on Equity
High ROE: PEN's Return on Equity (11.4%) is considered low.
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How is Peninsula Group's financial position?
Financial Health Score3/6
Financial Health Score 3/6
Short Term Liabilities
Long Term Liabilities
Financial Position Analysis
Short Term Liabilities: PEN's short term assets (₪1.5B) exceed its short term liabilities (₪680.8M).
Long Term Liabilities: PEN's short term assets (₪1.5B) exceed its long term liabilities (₪296.8M).
Debt to Equity History and Analysis
Debt Level: PEN's net debt to equity ratio (167.9%) is considered high.
Reducing Debt: PEN's debt to equity ratio has reduced from 398.7% to 188% over the past 5 years.
Debt Coverage: PEN's operating cash flow is negative, therefore debt is not well covered.
Interest Coverage: Insufficient data to determine if PEN's interest payments on its debt are well covered by EBIT.
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What is Peninsula Group current dividend yield, its reliability and sustainability?
Dividend Score 3/6
Cash Flow Coverage
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: PEN's dividend (7.97%) is higher than the bottom 25% of dividend payers in the IL market (1.91%).
High Dividend: PEN's dividend (7.97%) is in the top 25% of dividend payers in the IL market (6.36%)
Stability and Growth of Payments
Stable Dividend: Whilst dividend payments have been stable, PEN has been paying a dividend for less than 10 years.
Growing Dividend: PEN's dividend payments have increased, but the company has only paid a dividend for 7 years.
Earnings Payout to Shareholders
Earnings Coverage: With its reasonable payout ratio (63.8%), PEN's dividend payments are covered by earnings.
Cash Payout to Shareholders
Cash Flow Coverage: PEN is paying a dividend but the company has no free cash flows.
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How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Micah Avni (53 yo)
Mr. Micah Lakin Avni serves as Chief Executive Officer of Peninsula Group Ltd and has been its Director since December 8, 2014. Mr. Avni served as a Venture Partner at Jerusalem Global Ventures. He began h...
CEO Compensation Analysis
Compensation vs Market: Insufficient data to establish whether Micah's total compensation is reasonable compared to companies of similar size in the IL market.
Compensation vs Earnings: Micah's compensation has been consistent with company performance over the past year.
Experienced Management: PEN's management team is seasoned and experienced (5 years average tenure).
Experienced Board: PEN's board of directors are considered experienced (6.8 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.
Peninsula Group Ltd's employee growth, exchange listings and data sources
- Name: Peninsula Group Ltd
- Ticker: PEN
- Exchange: TASE
- Founded: 2004
- Industry: Specialized Finance
- Sector: Diversified Financials
- Implied Market Cap: ₪540.319m
- Shares outstanding: 234.82m
- Website: https://www.peninsula.co.il
Number of Employees
- Peninsula Group Ltd
- 48th Yehuda Ha-Levi Street
- Tel Aviv
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/08/07 00:00|
|End of Day Share Price||2022/08/04 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.