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UNIF

Unifin Financiera S. A. B. de C. VBMV:UNIFIN A Stock Report

Last Price

Mex$33.78

Market Cap

Mex$15.6b

7D

-8.4%

1Y

27.8%

Updated

23 Jan, 2022

Data

Company Financials +
UNIFIN A fundamental analysis
Snowflake Score
Valuation1/6
Future Growth0/6
Past Performance2/6
Financial Health1/6
Dividends0/6

UNIFIN A Stock Overview

Unifin Financiera, S. A. B. de C. V. operates as a leasing company in Mexico.

Price History & Performance

Summary of all time highs, changes and price drops for Unifin Financiera S. A. B. de C. V
Historical stock prices
Current Share PriceMex$33.78
52 Week HighMex$38.12
52 Week LowMex$20.00
Beta0.99
1 Month Change1.41%
3 Month Change9.71%
1 Year Change27.77%
3 Year Change-13.72%
5 Year Change-28.75%
Change since IPO13.15%

Recent News & Updates

Mar 25
Investors Aren't Buying Unifin Financiera, S. A. B. de C. V.'s (BMV:UNIFINA) Earnings

Investors Aren't Buying Unifin Financiera, S. A. B. de C. V.'s (BMV:UNIFINA) Earnings

With a price-to-earnings (or "P/E") ratio of 6.8x Unifin Financiera, S. A. B. de C. V. ( BMV:UNIFINA ) may be sending...

Shareholder Returns

UNIFIN AMX Consumer FinanceMX Market
7D-8.4%-2.0%-2.8%
1Y27.8%25.0%15.3%

Return vs Industry: UNIFIN A exceeded the MX Consumer Finance industry which returned 25% over the past year.

Return vs Market: UNIFIN A exceeded the MX Market which returned 15.3% over the past year.

Price Volatility

Is UNIFIN A's price volatile compared to industry and market?
UNIFIN A volatility
UNIFIN A Average Weekly Movement4.3%
Consumer Finance Industry Average Movement5.9%
Market Average Movement4.2%
10% most volatile stocks in MX Market6.6%
10% least volatile stocks in MX Market2.7%

Stable Share Price: UNIFIN A is not significantly more volatile than the rest of MX stocks over the past 3 months, typically moving +/- 4% a week.

Volatility Over Time: UNIFIN A's weekly volatility (4%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
1993799Sergio José Camacho Carmonahttps://www.unifin.com.mx

Unifin Financiera, S. A. B. de C. V. operates as a leasing company in Mexico. The company operates through three segments: Leases, Factoring, and Others Loans. It provides leasing facilities for motor vehicles, such as cars, trucks, helicopters, aircrafts, and ships; and machinery and equipment, as well as the assets of various industries in the middle-sized enterprises sector.

Unifin Financiera S. A. B. de C. V Fundamentals Summary

How do Unifin Financiera S. A. B. de C. V's earnings and revenue compare to its market cap?
UNIFIN A fundamental statistics
Market CapMex$15.65b
Earnings (TTM)Mex$1.38b
Revenue (TTM)Mex$11.50b

11.3x

P/E Ratio

1.4x

P/S Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
UNIFIN A income statement (TTM)
RevenueMex$11.50b
Cost of RevenueMex$59.22m
Gross ProfitMex$11.44b
ExpensesMex$10.05b
EarningsMex$1.38b

Last Reported Earnings

Sep 30, 2021

Next Earnings Date

n/a

Earnings per share (EPS)2.98
Gross Margin99.48%
Net Profit Margin12.02%
Debt/Equity Ratio573.2%

How did UNIFIN A perform over the long term?

See historical performance and comparison

Valuation

Is Unifin Financiera S. A. B. de C. V undervalued compared to its fair value and its price relative to the market?

11.32x

Price to Earnings (PE) ratio


Share Price vs. Fair Value

Below Fair Value: UNIFIN A (MX$33.78) is trading above our estimate of fair value (MX$19.9)

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


Price To Earnings Ratio

PE vs Industry: UNIFIN A is poor value based on its PE Ratio (11.3x) compared to the South American Consumer Finance industry average (11.1x).

PE vs Market: UNIFIN A is good value based on its PE Ratio (11.3x) compared to the MX market (13.7x).


Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate UNIFIN A's PEG Ratio to determine if it is good value.


Price to Book Ratio

PB vs Industry: UNIFIN A is overvalued based on its PB Ratio (1.2x) compared to the XS Consumer Finance industry average (1.1x).


Future Growth

How is Unifin Financiera S. A. B. de C. V forecast to perform in the next 1 to 3 years based on estimates from 1 analyst?

5.4%

Forecasted Diversified Financials industry annual growth in earnings


Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

Earnings vs Savings Rate: Insufficient data to determine if UNIFIN A's forecast earnings growth is above the savings rate (7.1%).

Earnings vs Market: Insufficient data to determine if UNIFIN A's earnings are forecast to grow faster than the MX market

High Growth Earnings: Insufficient data to determine if earnings are expected to grow significantly over the next 3 years.

Revenue vs Market: Insufficient data to determine if UNIFIN A's revenue is forecast to grow faster than the MX market.

High Growth Revenue: Insufficient data to determine if UNIFIN A's revenue is forecast to grow faster than 20% per year.


Earnings per Share Growth Forecasts


Future Return on Equity

Future ROE: UNIFIN A's Return on Equity is forecast to be low in 3 years time (15.5%).


Past Performance

How has Unifin Financiera S. A. B. de C. V performed over the past 5 years?

1.3%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: UNIFIN A has high quality earnings.

Growing Profit Margin: UNIFIN A's current net profit margins (12%) are lower than last year (14.3%).


Past Earnings Growth Analysis

Earnings Trend: UNIFIN A's earnings have grown by 1.3% per year over the past 5 years.

Accelerating Growth: UNIFIN A's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: UNIFIN A had negative earnings growth (-14.1%) over the past year, making it difficult to compare to the Consumer Finance industry average (-28.5%).


Return on Equity

High ROE: UNIFIN A's Return on Equity (10.7%) is considered low.


Financial Health

How is Unifin Financiera S. A. B. de C. V's financial position?


Financial Position Analysis

Short Term Liabilities: UNIFIN A's short term assets (MX$36.8B) exceed its short term liabilities (MX$19.0B).

Long Term Liabilities: UNIFIN A's short term assets (MX$36.8B) do not cover its long term liabilities (MX$59.1B).


Debt to Equity History and Analysis

Debt Level: UNIFIN A's net debt to equity ratio (542.8%) is considered high.

Reducing Debt: UNIFIN A's debt to equity ratio has increased from 508.2% to 573.2% over the past 5 years.

Debt Coverage: UNIFIN A's operating cash flow is negative, therefore debt is not well covered.

Interest Coverage: UNIFIN A's interest payments on its debt are not well covered by EBIT (1.2x coverage).


Balance Sheet


Dividend

What is Unifin Financiera S. A. B. de C. V current dividend yield, its reliability and sustainability?


Dividend Yield vs Market

Notable Dividend: Unable to evaluate UNIFIN A's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.

High Dividend: Unable to evaluate UNIFIN A'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 UNIFIN A's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if UNIFIN A's dividend payments have been increasing.


Current Payout to Shareholders

Dividend Coverage: UNIFIN A is not paying a notable dividend for the MX market.


Future Payout to Shareholders

Future Dividend Coverage: No need to calculate the sustainability of UNIFIN A's dividend in 3 years as they are not forecast to pay a notable one for the MX market.


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?

3.0yrs

Average management tenure


CEO

Sergio José Camacho Carmona (45 yo)

3.42yrs

Tenure

Mr. Sergio Camacho Carmona has been Chief Executive Officer of UNIFIN Financiera, S.A.B. de C.V. (Formerly, Unifin Financiera, S. A. B. de C. V. (formerly known as UNIFIN Financiera, S.A.B. de C.V., SOFOM,...


Leadership Team

Experienced Management: UNIFIN A's management team is considered experienced (3 years average tenure).


Board Members

Experienced Board: UNIFIN A's board of directors are considered experienced (7 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

Unifin Financiera, S. A. B. de C. V.'s employee growth, exchange listings and data sources


Key Information

  • Name: Unifin Financiera, S. A. B. de C. V.
  • Ticker: UNIFIN A
  • Exchange: BMV
  • Founded: 1993
  • Industry: Consumer Finance
  • Sector: Diversified Financials
  • Implied Market Cap: Mex$15.650b
  • Shares outstanding: 463.29m
  • Website: https://www.unifin.com.mx

Number of Employees


Location

  • Unifin Financiera, S. A. B. de C. V.
  • 111 Presidente Masaryk Avenue
  • Col. Polanco III Sección
  • Mexico City
  • Distrito Federal
  • 11560
  • Mexico

Listings


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2022/01/23 23:27
End of Day Share Price2022/01/21 00:00
Earnings2021/09/30
Annual Earnings2020/12/31


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.