HF Group Plc, through its subsidiaries, engages in the mortgage lending, banking, property development, and bancassurance businesses in Kenya.
Price History & Performance
|Historical stock prices|
|Current Share Price||KSh3.69|
|52 Week High||KSh2.86|
|52 Week Low||KSh5.48|
|1 Month Change||-9.56%|
|3 Month Change||-5.63%|
|1 Year Change||-6.58%|
|3 Year Change||-32.91%|
|5 Year Change||-72.76%|
|Change since IPO||-62.42%|
Recent News & Updates
|HFCK||KE Mortgage||KE Market|
Return vs Industry: HFCK underperformed the KE Mortgage industry which returned 12.9% over the past year.
Return vs Market: HFCK underperformed the KE Market which returned 28.5% over the past year.
Stable Share Price: HFCK is not significantly more volatile than the rest of KE stocks over the past 3 months, typically moving +/- 5% a week.
Volatility Over Time: HFCK's weekly volatility (5%) has been stable over the past year.
About the Company
HF Group Plc, through its subsidiaries, engages in the mortgage lending, banking, property development, and bancassurance businesses in Kenya. The company operates through four segments: Retail Banking, Corporate Banking, Property Development, and Bancassurance. The Retail Banking segment accepts deposits from retail customers; and provides micro and personal loans, as well as sources residential mortgages for individual owner occupiers.
HF Group Fundamentals Summary
|HFCK fundamental statistics|
Is HFCK overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|HFCK income statement (TTM)|
|Cost of Revenue||KSh0|
Last Reported Earnings
Dec 31, 2020
Next Earnings Date
|Earnings per share (EPS)||-4.44|
|Net Profit Margin||-86.48%|
How did HFCK perform over the long term?See historical performance and comparison
Is HF Group undervalued compared to its fair value and its price relative to the market?
Price to Book (PB) ratio
Share Price vs. Fair Value
Below Fair Value: Insufficient data to calculate HFCK's fair value to establish if it is undervalued.
Significantly Below Fair Value: Insufficient data to calculate HFCK's fair value to establish if it is undervalued.
Price To Earnings Ratio
PE vs Industry: HFCK is unprofitable, so we can't compare its PE Ratio to the Global Mortgage industry average.
PE vs Market: HFCK is unprofitable, so we can't compare its PE Ratio to the KE market.
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate HFCK's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: HFCK is good value based on its PB Ratio (0.2x) compared to the XF Mortgage industry average (1x).
How is HF Group forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
Forecasted Banks 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 HF 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.
How has HF Group performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: HFCK is currently unprofitable.
Growing Profit Margin: HFCK is currently unprofitable.
Past Earnings Growth Analysis
Earnings Trend: HFCK is unprofitable, and losses have increased over the past 5 years at a rate of 75.1% per year.
Accelerating Growth: Unable to compare HFCK's earnings growth over the past year to its 5-year average as it is currently unprofitable
Earnings vs Industry: HFCK is unprofitable, making it difficult to compare its past year earnings growth to the Mortgage industry (30.5%).
Return on Equity
High ROE: HFCK has a negative Return on Equity (-19.94%), as it is currently unprofitable.
How is HF Group's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: HFCK's Assets to Equity ratio (6.5x) is low.
Allowance for Bad Loans: HFCK has a low allowance for bad loans (34%).
Low Risk Liabilities: 88% of HFCK's liabilities are made up of primarily low risk sources of funding.
Loan Level: HFCK has an appropriate level of Loans to Assets ratio (67%).
Low Risk Deposits: HFCK's Loans to Deposits ratio (90%) is appropriate.
Level of Bad Loans: HFCK has a high level of bad loans (26.6%).
What is HF Group current dividend yield, its reliability and sustainability?
Dividend Yield vs Market
Notable Dividend: Unable to evaluate HFCK's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate HFCK'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 HFCK's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if HFCK's dividend payments have been increasing.
Current Payout to Shareholders
Dividend Coverage: HFCK is not paying a notable dividend for the KE market.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of HFCK's dividend in 3 years as they are not forecast to pay a notable one for the KE market.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Robert Kibaara (48 yo)
Mr. Robert N. Kibaara has been Group Chief Executive Officer at HF Group Plc since December 19, 2018 and has been its Director since March 1, 2019. Mr. Kibaara was Director of Retail Banking at NIC Bank Li...
CEO Compensation Analysis
Compensation vs Market: Robert's total compensation ($USD460.01K) is above average for companies of similar size in the KE market ($USD235.11K).
Compensation vs Earnings: Robert's compensation has increased whilst the company is unprofitable.
Experienced Management: HFCK's management team is considered experienced (2.8 years average tenure).
Experienced Board: HFCK's board of directors are considered experienced (5 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.
HF Group Plc's employee growth, exchange listings and data sources
- Name: HF Group Plc
- Ticker: HFCK
- Exchange: NASE
- Founded: 1965
- Industry: Thrifts and Mortgage Finance
- Sector: Banks
- Market Cap: KSh1.419b
- Shares outstanding: 384.61m
- Website: https://www.hfgroup.co.ke
Number of Employees
- HF Group Plc
- Rehani House
- Plot No. LR 209/9054
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/10/25 16:47|
|End of Day Share Price||2021/10/25 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.