KFH Stock Overview
Kuwait Finance House K.S.C.P., together with its subsidiaries, provides Islamic banking services in the Middle East, North America, Europe, and Asia.
Kuwait Finance House K.S.C.P Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||د.ك0.86|
|52 Week High||د.ك1.04|
|52 Week Low||د.ك0.68|
|1 Month Change||-3.68%|
|3 Month Change||-11.16%|
|1 Year Change||25.36%|
|3 Year Change||55.58%|
|5 Year Change||190.23%|
|Change since IPO||837.77%|
Recent News & Updates
|KFH||KW Banks||KW Market|
Return vs Industry: KFH exceeded the KW Banks industry which returned 17.8% over the past year.
Return vs Market: KFH exceeded the KW Market which returned 12.3% over the past year.
|KFH Average Weekly Movement||3.3%|
|Banks Industry Average Movement||3.3%|
|Market Average Movement||5.8%|
|10% most volatile stocks in KW Market||9.0%|
|10% least volatile stocks in KW Market||3.3%|
Stable Share Price: KFH is less volatile than 75% of KW stocks over the past 3 months, typically moving +/- 3% a week.
Volatility Over Time: KFH's weekly volatility (3%) has been stable over the past year.
About the Company
Kuwait Finance House K.S.C.P., together with its subsidiaries, provides Islamic banking services in the Middle East, North America, Europe, and Asia. The company operates through four segments: Treasury, Retail and Private Banking, Corporate Banking, and Investment. The Treasury segment offers liquidity management, murabaha investments, and investments in Sukuk, as well as exchanges deposits with banks, financial institutions, and international banking relationships.
Kuwait Finance House K.S.C.P Fundamentals Summary
|KFH fundamental statistics|
Is KFH overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|KFH income statement (TTM)|
|Cost of Revenue||د.ك0|
Last Reported Earnings
Mar 31, 2022
Next Earnings Date
|Earnings per share (EPS)||0.028|
|Net Profit Margin||36.05%|
How did KFH perform over the long term?See historical performance and comparison
1.3%Current Dividend Yield
Is KFH undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score 0/6
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 KFH?
Other financial metrics that can be useful for relative valuation.
|What is KFH's n/a Ratio?|
Price to Earnings Ratio vs Peers
How does KFH's PE Ratio compare to its peers?
|KFH PE Ratio vs Peers|
|Company||PE||Estimated Growth||Market Cap|
NBK National Bank of KuwaitK.P
BOUBYAN Boubyan Bank K.S.C.P
CBK Commercial Bank of Kuwait K.P.S.C
GBK Gulf Bank K.S.C.P
KFH Kuwait Finance House K.S.C.P
Price-To-Earnings vs Peers: KFH is expensive based on its Price-To-Earnings Ratio (30.8x) compared to the peer average (30.5x).
Price to Earnings Ratio vs Industry
How does KFH's PE Ratio compare vs other companies in the Asian Banks Industry?
Price-To-Earnings vs Industry: KFH is expensive based on its Price-To-Earnings Ratio (30.8x) compared to the KW Banks industry average (25.9x)
Price to Earnings Ratio vs Fair Ratio
What is KFH'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||30.8x|
|Fair PE Ratio||n/a|
Price-To-Earnings vs Fair Ratio: Insufficient data to calculate KFH's Price-To-Earnings Fair Ratio for valuation analysis.
Share Price vs Fair Value
What is the Fair Price of KFH when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.
Below Fair Value: KFH (KWD0.87) is trading above our estimate of fair value (KWD0.12)
Significantly Below Fair Value: KFH is trading above our estimate of fair value.
Price to Earnings Growth Ratio
PEG Ratio: KFH is poor value based on its PEG Ratio (2.8x)
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How is Kuwait Finance House K.S.C.P forecast to perform in the next 1 to 3 years based on estimates from 2 analysts?
Future Growth Score2/6
Future Growth Score 2/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: KFH's forecast earnings growth (11% per year) is above the savings rate (9%).
Earnings vs Market: KFH's earnings (11% per year) are forecast to grow slower than the KW market (13.7% per year).
High Growth Earnings: KFH's earnings are forecast to grow, but not significantly.
Revenue vs Market: KFH's revenue (11% per year) is forecast to grow faster than the KW market (10.2% per year).
High Growth Revenue: KFH's revenue (11% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: KFH's Return on Equity is forecast to be low in 3 years time (16%).
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How has Kuwait Finance House K.S.C.P performed over the past 5 years?
Past Performance Score4/6
Past Performance Score 4/6
Growing Profit Margin
Earnings vs Industry
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: KFH has a high level of non-cash earnings.
Growing Profit Margin: KFH's current net profit margins (36%) are higher than last year (28.5%).
Past Earnings Growth Analysis
Earnings Trend: KFH's earnings have grown by 2.2% per year over the past 5 years.
Accelerating Growth: KFH's earnings growth over the past year (67.9%) exceeds its 5-year average (2.2% per year).
Earnings vs Industry: KFH earnings growth over the past year (67.9%) exceeded the Banks industry 62.8%.
Return on Equity
High ROE: KFH's Return on Equity (15.1%) is considered low.
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How is Kuwait Finance House K.S.C.P's financial position? (This company is analysed differently as a bank or financial institution)
Financial Health Score5/6
Financial Health Score 5/6
Allowance for Bad Loans
Low Risk Liabilities
Low Risk Deposits
Level of Bad Loans
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: KFH's Assets to Equity ratio (9.9x) is low.
Allowance for Bad Loans: KFH has a sufficient allowance for bad loans (187%).
Low Risk Liabilities: 79% of KFH's liabilities are made up of primarily low risk sources of funding.
Loan Level: KFH has an appropriate level of Loans to Assets ratio (53%).
Low Risk Deposits: KFH's Loans to Deposits ratio (75%) is appropriate.
Level of Bad Loans: KFH has a high level of bad loans (2.8%).
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What is Kuwait Finance House K.S.C.P current dividend yield, its reliability and sustainability?
Dividend Score 0/6
Future Dividend Coverage
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: KFH's dividend (1.26%) isn’t notable compared to the bottom 25% of dividend payers in the KW market (2.59%).
High Dividend: KFH's dividend (1.26%) is low compared to the top 25% of dividend payers in the KW market (6.25%).
Stability and Growth of Payments
Stable Dividend: KFH is not paying a notable dividend for the KW market, therefore no need to check if payments are stable.
Growing Dividend: KFH is not paying a notable dividend for the KW market, therefore no need to check if payments are increasing.
Current Payout to Shareholders
Earnings Coverage: KFH is not paying a notable dividend for the KW market.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of KFH's dividend in 3 years as they are not forecast to pay a notable one for the KW market.
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How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Mr. Abdulwahab Issa Al-Rushood serves as an Acting Group Chief Executive Officer of Kuwait Finance House K.S.C.P. since October 18, 2020. Mr. Al-Rushood serves as Financial Institutions Officer at Kuwait F...
Experienced Management: KFH's management team is seasoned and experienced (6.4 years average tenure).
Experienced Board: KFH's board of directors are considered experienced (8.3 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.
Kuwait Finance House K.S.C.P.'s employee growth, exchange listings and data sources
- Name: Kuwait Finance House K.S.C.P.
- Ticker: KFH
- Exchange: KWSE
- Founded: 1977
- Industry: Diversified Banks
- Sector: Banks
- Implied Market Cap: د.ك7.964b
- Shares outstanding: 9.21b
- Website: https://www.kfh.com
Number of Employees
- Kuwait Finance House K.S.C.P.
- Abdullah Al-Mubarak Street
- Kuwait City
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/06/29 00:00|
|End of Day Share Price||2022/06/29 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.