| Snowflake Score | |
|---|---|
| Valuation | 2/6 |
| Future Growth | 0/6 |
| Past Performance | 2/6 |
| Financial Health | 3/6 |
| Dividends | 3/6 |
FINC.N0000 Overview
Fincorp Investment Ltd. operates as a subsidiary of Mauritius Commercial Bank Ltd.
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | MU₨22.50 |
| 52 Week High | MU₨15.05 |
| 52 Week Low | MU₨23.00 |
| Beta | 0.39 |
| 1 Month Change | 18.42% |
| 3 Month Change | 7.14% |
| 1 Year Change | 49.50% |
| 3 Year Change | -8.16% |
| 5 Year Change | 12.22% |
| Change since IPO | -23.30% |
Recent News & Updates
Shareholder Returns
| FINC.N0000 | MU Diversified Financial | MU Market | |
|---|---|---|---|
| 7D | 0% | -0.06% | 0.2% |
| 1Y | 49.5% | -4.3% | 14.4% |
Return vs Industry: FINC.N0000 exceeded the MU Diversified Financial industry which returned -4.3% over the past year.
Return vs Market: FINC.N0000 exceeded the MU Market which returned 14.4% over the past year.
Price Volatility
| FINC.N0000 volatility | |
|---|---|
| FINC.N0000 Beta | 0.39 |
| Industry Beta | 0.67 |
| Market Beta | 1 |
Stable Share Price: FINC.N0000 is more volatile than 90% of MU stocks over the past 3 months, typically moving +/- 6% a week.
Volatility Over Time: FINC.N0000's weekly volatility (6%) has been stable over the past year, but is still higher than 75% of MU stocks.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| n/a | n/a | n/a |
Fincorp Investment Ltd. operates as a subsidiary of Mauritius Commercial Bank Ltd.
Fincorp Investment Fundamentals Summary
| FINC.N0000 fundamental statistics | |
|---|---|
| Market Cap | MU₨2.33b |
| Earnings (TTM) | MU₨164.32m |
| Revenue (TTM) | MU₨363.24m |
14.2x
P/E Ratio6.4x
P/S RatioIs FINC.N0000 overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| FINC.N0000 income statement (TTM) | |
|---|---|
| Revenue | MU₨363.24m |
| Cost of Revenue | MU₨231.58m |
| Gross Profit | MU₨131.67m |
| Expenses | -MU₨32.65m |
| Earnings | MU₨164.32m |
Last Reported Earnings
Jun 30, 2021
Next Earnings Date
n/a
| Earnings per share (EPS) | 1.59 |
| Gross Margin | 36.25% |
| Net Profit Margin | 45.24% |
| Debt/Equity Ratio | 17.9% |
How did FINC.N0000 perform over the long term?
See historical performance and comparisonDividends
2.7%
Current Dividend Yield38%
Payout RatioDoes FINC.N0000 pay a reliable dividends?
See FINC.N0000 dividend history and benchmarks| Fincorp Investment dividend dates | |
|---|---|
| Ex Dividend Date | Nov 22 2021 |
| Dividend Pay Date | Dec 22 2021 |
| Days until Ex dividend | 30 days |
| Days until Dividend pay date | 60 days |
Does FINC.N0000 pay a reliable dividends?
See FINC.N0000 dividend history and benchmarksValuation
Is Fincorp Investment undervalued compared to its fair value and its price relative to the market?
14.15x
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: Insufficient data to calculate FINC.N0000's fair value to establish if it is undervalued.
Significantly Below Fair Value: Insufficient data to calculate FINC.N0000's fair value to establish if it is undervalued.
Price To Earnings Ratio
PE vs Industry: FINC.N0000 is good value based on its PE Ratio (14.2x) compared to the MU Diversified Financial industry average (30.1x).
PE vs Market: FINC.N0000's PE Ratio (14.2x) is in line with the MU market.
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate FINC.N0000's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: FINC.N0000 is good value based on its PB Ratio (0.4x) compared to the MU Diversified Financial industry average (1x).
Future Growth
How is Fincorp Investment forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
16.8%
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 Fincorp Investment 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 Fincorp Investment performed over the past 5 years?
-41.7%
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: FINC.N0000 has high quality earnings.
Growing Profit Margin: FINC.N0000 became profitable in the past.
Past Earnings Growth Analysis
Earnings Trend: FINC.N0000's earnings have declined by 41.7% per year over the past 5 years.
Accelerating Growth: FINC.N0000 has become profitable in the last year, making the earnings growth rate difficult to compare to its 5-year average.
Earnings vs Industry: FINC.N0000 has become profitable in the last year, making it difficult to compare its past year earnings growth to the Diversified Financial industry (32.9%).
Return on Equity
High ROE: FINC.N0000's Return on Equity (2.5%) is considered low.
Financial Health
How is Fincorp Investment's financial position?
Financial Position Analysis
Short Term Liabilities: FINC.N0000's short term assets (MUR3.6B) exceed its short term liabilities (MUR3.4B).
Long Term Liabilities: FINC.N0000's short term assets (MUR3.6B) exceed its long term liabilities (MUR1.3B).
Debt to Equity History and Analysis
Debt Level: FINC.N0000's debt to equity ratio (17.9%) is considered satisfactory.
Reducing Debt: FINC.N0000's debt to equity ratio has increased from 16.3% to 17.9% over the past 5 years.
Debt Coverage: FINC.N0000's operating cash flow is negative, therefore debt is not well covered.
Interest Coverage: Insufficient data to determine if FINC.N0000's interest payments on its debt are well covered by EBIT.
Balance Sheet
Dividend
What is Fincorp Investment current dividend yield, its reliability and sustainability?
2.67%
Current Dividend Yield
Upcoming Dividend Payment
Dividend Yield vs Market
Notable Dividend: FINC.N0000's dividend (2.67%) is higher than the bottom 25% of dividend payers in the MU market (2.05%).
High Dividend: FINC.N0000's dividend (2.67%) is low compared to the top 25% of dividend payers in the MU market (3.53%).
Stability and Growth of Payments
Stable Dividend: FINC.N0000's dividend payments have been volatile in the past 10 years.
Growing Dividend: FINC.N0000's dividend payments have increased over the past 10 years.
Current Payout to Shareholders
Dividend Coverage: With its reasonably low payout ratio (37.7%), FINC.N0000's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.
Next Steps
Management
How experienced are the management team and are they aligned to shareholders interests?
6.8yrs
Average board tenure
CEO
Fincorp Investment has no CEO, or we have no data on them.
Board Members
Experienced Board: FINC.N0000's board of directors are considered experienced (6.8 years average tenure).
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
Fincorp Investment Ltd.'s employee growth, exchange listings and data sources
Key Information
- Name: Fincorp Investment Ltd.
- Ticker: FINC.N0000
- Exchange: MUSE
- Founded: NaN
- Industry: Specialized Finance
- Sector: Diversified Financials
- Market Cap: MU₨2.325b
- Shares outstanding: 103.36m
Location
- Fincorp Investment Ltd.
- 9-15 Sir William Newton Street
- Port Louis
- Mauritius
Listings
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2021/10/22 15:41 |
| End of Day Share Price | 2021/10/22 00:00 |
| Earnings | 2021/06/30 |
| Annual Earnings | 2021/06/30 |
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.