NEO Finance Valuation

Q: What is the Fair Price of NEOFI when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

NEOFI (€2.3) is trading above our estimate of [[fair value]] (€0.61)

Is NEOFI undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

0/6

Valuation Score 0/6

Below Fair Value
Significantly Below Fair Value
Price-To-Earnings vs Peers
Price-To-Earnings vs Industry
Price-To-Earnings vs Fair Ratio
Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of NEOFI when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: NEOFI (€2.3) is trading above our estimate of fair value (€0.61)

Significantly Below Fair Value: NEOFI is trading above our estimate of fair value.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for NEOFI?

Key metric: As NEOFI is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for NEOFI. This is calculated by dividing NEOFI's market cap by their current earnings.
What is NEOFI's PE Ratio?
PE Ratio	27x
Earnings	€357.62k
Market Cap	€9.66m

NEOFI key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenue	n/a
Enterprise Value/EBITDA	n/a
PEG Ratio	n/a

Price to Earnings Ratio vs Peers

How does NEOFI's PE Ratio compare to its peers?

The above table shows the PE ratio for NEOFI vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
Company	Forward PE	Estimated Growth	Market Cap
Peer Average	5.6x
SDF.N0000 Sarvodaya Development Finance	5.7x	n/a	LK₨2.2b
BFN.N0000 Orient Finance	4.1x	n/a	LK₨2.6b
AAF.N0000 Asia Asset Finance	4.1x	n/a	LK₨2.1b
AMF.N0000 Associated Motor Finance	8.4x	n/a	LK₨3.2b
NEOFI NEO Finance	27x	n/a	€9.7m

Price-To-Earnings vs Peers: NEOFI is expensive based on its Price-To-Earnings Ratio (27x) compared to the peer average (5.6x).

Price to Earnings Ratio vs Industry

How does NEOFI's PE Ratio compare vs other companies in the European Consumer Finance Industry?

1 Company	Price / Earnings	Estimated Growth	Market Cap

1 Company		Estimated Growth	Market Cap

No more companies

Price-To-Earnings vs Industry: NEOFI is expensive based on its Price-To-Earnings Ratio (27x) compared to the European Consumer Finance industry average (8.2x).

Price to Earnings Ratio vs Fair Ratio

What is NEOFI'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.

NEOFI PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio	27x
Fair PE Ratio	n/a

Price-To-Earnings vs Fair Ratio: Insufficient data to calculate NEOFI's Price-To-Earnings Fair Ratio for valuation analysis.

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.