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CWJD

Community & Workers of Jamaica Co-operative Credit UnionJMSE:CWJDEFERREDA Stock Report

Market Cap

JA$227.0m

7D

0%

1Y

-11.7%

Updated

02 Dec, 2021

Data

Company Financials
CWJDEFERREDA fundamental analysis
Snowflake Score
Valuation5/6
Future Growth0/6
Past Performance1/6
Financial Health6/6
Dividends0/6

CWJDEFERREDA Stock Overview

Community & Workers of Jamaica Co-operative Credit Union Ltd.

Price History & Performance

Summary of all time highs, changes and price drops for Community & Workers of Jamaica Co-operative Credit Union
Historical stock prices
Current Share PriceJA$1.59
52 Week HighJA$2.16
52 Week LowJA$1.47
Beta0
1 Month Change-0.63%
3 Month Change-0.63%
1 Year Change-11.67%
3 Year Changen/a
5 Year Changen/a
Change since IPO-21.68%

Recent News & Updates

Shareholder Returns

CWJDEFERREDAJM Diversified FinancialJM Market
7D0%-1.4%0.6%
1Y-11.7%11.1%3.2%

Return vs Industry: CWJDEFERREDA underperformed the JM Diversified Financial industry which returned 11.1% over the past year.

Return vs Market: CWJDEFERREDA underperformed the JM Market which returned 3.2% over the past year.

Price Volatility

Is CWJDEFERREDA's price volatile compared to industry and market?
CWJDEFERREDA volatility
CWJDEFERREDA Average Weekly Movement9.2%
Diversified Financial Industry Average Movement10.4%
Market Average Movement8.7%
10% most volatile stocks in JM Market14.4%
10% least volatile stocks in JM Market4.8%

Stable Share Price: CWJDEFERREDA is not significantly more volatile than the rest of JM stocks over the past 3 months, typically moving +/- 9% a week.

Volatility Over Time: CWJDEFERREDA's weekly volatility (9%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
1961n/aCarlton Barclayhttps://www.cwjcu.com

Community & Workers of Jamaica Co-operative Credit Union Ltd. provides financial services for stakeholders in communities and industries. The company accepts savings accounts and fixed deposits.

Community & Workers of Jamaica Co-operative Credit Union Fundamentals Summary

How do Community & Workers of Jamaica Co-operative Credit Union's earnings and revenue compare to its market cap?
CWJDEFERREDA fundamental statistics
Market CapJA$226.96m
Earnings (TTM)JA$283.21m
Revenue (TTM)JA$1.81b

0.8x

P/E Ratio

0.1x

P/S Ratio

Is CWJDEFERREDA overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report
CWJDEFERREDA income statement (TTM)
RevenueJA$1.81b
Cost of RevenueJA$44.28m
Gross ProfitJA$1.76b
ExpensesJA$1.48b
EarningsJA$283.21m

Last Reported Earnings

Sep 30, 2021

Next Earnings Date

n/a

Earnings per share (EPS)1.98
Gross Margin97.55%
Net Profit Margin15.68%
Debt/Equity Ratio214.9%

How did CWJDEFERREDA perform over the long term?

See historical performance and comparison

Valuation

Is Community & Workers of Jamaica Co-operative Credit Union 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: CWJDEFERREDA (JMD1.59) is trading below our estimate of fair value (JMD7.03)

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


Price To Earnings Ratio

PE vs Industry: CWJDEFERREDA is good value based on its PE Ratio (0.8x) compared to the JM Diversified Financial industry average (12.9x).

PE vs Market: CWJDEFERREDA is good value based on its PE Ratio (0.8x) compared to the JM market (17.6x).


Price to Earnings Growth Ratio

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


Price to Book Ratio

PB vs Industry: CWJDEFERREDA is good value based on its PB Ratio (0.1x) compared to the JM Diversified Financial industry average (1.5x).


Future Growth

How is Community & Workers of Jamaica Co-operative Credit Union forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

-22.8%

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 Community & Workers of Jamaica Co-operative Credit Union 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 Community & Workers of Jamaica Co-operative Credit Union performed over the past 5 years?

-31.4%

Last years earnings growth


Earnings and Revenue History

Quality Earnings: CWJDEFERREDA has high quality earnings.

Growing Profit Margin: CWJDEFERREDA's current net profit margins (15.7%) are lower than last year (21.2%).


Past Earnings Growth Analysis

Earnings Trend: Insufficient data to determine if CWJDEFERREDA's year-on-year earnings growth rate was positive over the past 5 years.

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

Earnings vs Industry: CWJDEFERREDA had negative earnings growth (-31.4%) over the past year, making it difficult to compare to the Diversified Financial industry average (15.1%).


Return on Equity

High ROE: CWJDEFERREDA's Return on Equity (10.6%) is considered low.


Financial Health

How is Community & Workers of Jamaica Co-operative Credit Union'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: CWJDEFERREDA's Assets to Equity ratio (7.8x) is low.

Allowance for Bad Loans: CWJDEFERREDA has a sufficient allowance for bad loans (177%).

Low Risk Liabilities: 65% of CWJDEFERREDA's liabilities are made up of primarily low risk sources of funding.

Loan Level: CWJDEFERREDA has an appropriate level of Loans to Assets ratio (61%).

Low Risk Deposits: CWJDEFERREDA's Loans to Deposits ratio (109%) is appropriate.

Level of Bad Loans: CWJDEFERREDA has an appropriate level of bad loans (0.7%).


Dividend

What is Community & Workers of Jamaica Co-operative Credit Union current dividend yield, its reliability and sustainability?


Dividend Yield vs Market

Notable Dividend: Unable to evaluate CWJDEFERREDA's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.

High Dividend: Unable to evaluate CWJDEFERREDA'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 CWJDEFERREDA's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if CWJDEFERREDA's dividend payments have been increasing.


Current Payout to Shareholders

Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: No need to calculate the sustainability of CWJDEFERREDA's dividend in 3 years as they are not forecast to pay a notable one for the JM market.


Next Steps

Management

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

1.0yrs

Average management tenure


CEO

Carlton Barclay

4.92yrs

Tenure

Mr. Carlton Barclay, MBA, JP, FCCA, FCA, M.Sc., B.Sc., is Chief Executive Officer at Community & Workers of Jamaica Co-operative Credit Union Limited since January 1, 2017. C&WJCCU is the largest Credit Un...


Leadership Team

Experienced Management: CWJDEFERREDA's management team is not considered experienced ( 1 years average tenure), which suggests a new team.


Board Members

Experienced Board: CWJDEFERREDA's board of directors are not considered experienced ( 0.6 years average tenure), which suggests a new board.


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

Community & Workers of Jamaica Co-operative Credit Union Limited's employee growth, exchange listings and data sources


Key Information

  • Name: Community & Workers of Jamaica Co-operative Credit Union Limited
  • Ticker: CWJDEFERREDA
  • Exchange: JMSE
  • Founded: 1961
  • Industry: Specialized Finance
  • Sector: Diversified Financials
  • Market Cap: JA$226.955m
  • Shares outstanding: 142.74m
  • Website: https://www.cwjcu.com

Location

  • Community & Workers of Jamaica Co-operative Credit Union Limited
  • 51 Half Way Tree Road
  • Kingston
  • JMAAW10
  • Jamaica

Listings


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2021/12/02 23:46
End of Day Share Price2021/12/02 00:00
Earnings2021/09/30
Annual Earnings2020/12/31


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.