HF Group (NASE:HFCK) Stock Price & Quote Analysis

HFCK fundamental analysis
Snowflake Score
Valuation	2/6
Future Growth	0/6
Past Performance	0/6
Financial Health	4/6
Dividends	0/6

HFCK Stock Overview

HF Group Plc, through its subsidiaries, engages in the mortgage lending, banking, property development, and bancassurance businesses in Kenya.

Risk Analysis

Earnings have declined by 53.8% per year over past 5 years

Latest financial reports are more than 6 months old

Does not have a meaningful market cap (KES1B)

HF Group Plc Competitors

Great American Bancorp

OTCPK:GTPS

US$12.9m

Finbond Group

JSE:FGL

R285.3m

Eureka Homestead Bancorp

OTCPK:ERKH

US$13.2m

CCSB Financial

OTCPK:CCFC

US$14.0m

Price History & Performance

Summary of all time highs, changes and price drops for HF Group
Historical stock prices
Current Share Price	KSh3.27
52 Week High	KSh4.10
52 Week Low	KSh2.80
Beta	0.35
1 Month Change	7.92%
3 Month Change	-8.15%
1 Year Change	-18.25%
3 Year Change	-44.58%
5 Year Change	-66.07%
Change since IPO	-66.69%

Recent updates

Shareholder Returns

	HFCK	KE Mortgage	KE Market
7D	3.8%	-1.2%	-0.3%
1Y	-18.3%	22.1%	-21.0%

Return vs Industry: HFCK underperformed the KE Mortgage industry which returned 22.1% over the past year.

Return vs Market: HFCK exceeded the KE Market which returned -21% over the past year.

Price Volatility

Is HFCK's price volatile compared to industry and market?
HFCK volatility
HFCK Average Weekly Movement	6.8%
Mortgage Industry Average Movement	4.4%
Market Average Movement	5.9%
10% most volatile stocks in KE Market	9.8%
10% least volatile stocks in KE Market	2.2%

Stable Share Price: HFCK is not significantly more volatile than the rest of KE stocks over the past 3 months, typically moving +/- 7% a week.

Volatility Over Time: HFCK's weekly volatility (7%) has been stable over the past year.

About the Company

Founded	Employees	CEO	Website
1965	447	Robert Kibaara	https://www.hfgroup.co.ke

HF Group Plc, through its subsidiaries, engages in the mortgage lending, banking, property development, and bancassurance businesses in Kenya. It operates through four segments: Retail Banking, Corporate Banking, Property Development, and Bancassurance. The company accepts deposits from retail customers; and provides micro and personal loans, as well as sources residential mortgages for individual owner occupiers.

HF Group Plc Fundamentals Summary

How do HF Group's earnings and revenue compare to its market cap?
HFCK fundamental statistics
Market Cap	KSh1.26b
Earnings (TTM)	-KSh367.30m
Revenue (TTM)	KSh2.27b

0.2x

P/B Ratio

0.6x

P/S Ratio

Is HFCK overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report
HFCK income statement (TTM)
Revenue	KSh2.27b
Cost of Revenue	KSh0
Gross Profit	KSh2.27b
Other Expenses	KSh2.63b
Earnings	-KSh367.30m

Last Reported Earnings

Mar 31, 2022

Next Earnings Date

n/a

Earnings per share (EPS)	-0.95
Gross Margin	100.00%
Net Profit Margin	-16.20%
Debt/Equity Ratio	63.4%

How did HFCK perform over the long term?

See historical performance and comparison

HF Group NASE:HFCK Stock Report