UNIFIN A Stock Overview
Unifin Financiera, S. A. B. de C. V. operates as a leasing company in Mexico.
Price History & Performance
|Historical stock prices|
|Current Share Price||Mex$33.78|
|52 Week High||Mex$38.12|
|52 Week Low||Mex$20.00|
|1 Month Change||1.41%|
|3 Month Change||9.71%|
|1 Year Change||27.77%|
|3 Year Change||-13.72%|
|5 Year Change||-28.75%|
|Change since IPO||13.15%|
Recent News & Updates
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...
|UNIFIN A||MX Consumer Finance||MX Market|
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.
|UNIFIN A volatility|
|UNIFIN A Average Weekly Movement||4.3%|
|Consumer Finance Industry Average Movement||5.9%|
|Market Average Movement||4.2%|
|10% most volatile stocks in MX Market||6.6%|
|10% least volatile stocks in MX Market||2.7%|
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
|1993||799||Sergio José Camacho Carmona||https://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
|UNIFIN A fundamental statistics|
Is UNIFIN A overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|UNIFIN A income statement (TTM)|
|Cost of Revenue||Mex$59.22m|
Last Reported Earnings
Sep 30, 2021
Next Earnings Date
|Earnings per share (EPS)||2.98|
|Net Profit Margin||12.02%|
How did UNIFIN A perform over the long term?See historical performance and comparison
Is Unifin Financiera S. A. B. de C. V undervalued compared to its fair value and its price relative to the market?
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).
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?
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%).
How has Unifin Financiera S. A. B. de C. V performed over the past 5 years?
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.
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).
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.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Sergio José Camacho Carmona (45 yo)
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,...
Experienced Management: UNIFIN A's management team is considered experienced (3 years average tenure).
Experienced Board: UNIFIN A's board of directors are considered experienced (7 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.
Unifin Financiera, S. A. B. de C. V.'s employee growth, exchange listings and data sources
- 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
- Unifin Financiera, S. A. B. de C. V.
- 111 Presidente Masaryk Avenue
- Col. Polanco III Sección
- Mexico City
- Distrito Federal
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/01/23 23:27|
|End of Day Share Price||2022/01/21 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.