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TUC

Trustco Group HoldingsNMSE:TUC Stock Report

Market Cap

R3.3b

7D

-9.9%

1Y

-32.3%

Updated

20 Oct, 2021

Data

Company Financials
TUC fundamental analysis
Snowflake Score
Valuation0/6
Future Growth0/6
Past Performance0/6
Financial Health0/6
Dividends0/6

TUC Overview

Trustco Group Holdings Limited provides banking, financial, and insurance related products and services.

Price History & Performance

Summary of all time highs, changes and price drops for Trustco Group Holdings
Historical stock prices
Current Share PriceR2.10
52 Week HighR1.25
52 Week LowR4.20
Beta0.93
1 Month Change27.27%
3 Month Change32.07%
1 Year Change-32.26%
3 Year Change-75.29%
5 Year Change-40.00%
Change since IPO200.00%

Recent News & Updates

Shareholder Returns

TUCNA Diversified FinancialNA Market
7D-9.9%-2.9%-0.7%
1Y-32.3%32.1%-3.0%

Return vs Industry: TUC underperformed the NA Diversified Financial industry which returned 32.1% over the past year.

Return vs Market: TUC underperformed the NA Market which returned -3% over the past year.

Price Volatility

Is TUC's price volatile compared to industry and market?
TUC volatility
TUC Beta0.93
Industry Beta0.67
Market Beta1

Stable Share Price: TUC is more volatile than 90% of NA stocks over the past 3 months, typically moving +/- 15% a week.

Volatility Over Time: TUC's weekly volatility (15%) has been stable over the past year, but is still higher than 75% of NA stocks.

About the Company

FoundedEmployeesCEOWebsite
1992715Quinton Van Rooyenhttps://www.tgh.na

Trustco Group Holdings Limited provides banking, financial, and insurance related products and services. The company operates through three segments: Insurance and its Investments, Banking and Finance, and Resources. The Insurance and its Investments segment provides short- and long-term insurance products and services to individuals, and small and medium enterprises.

Trustco Group Holdings Fundamentals Summary

How do Trustco Group Holdings's earnings and revenue compare to its market cap?
TUC fundamental statistics
Market CapN$3.30b
Earnings (TTM)-N$306.93m
Revenue (TTM)N$225.63m

14.6x

P/S Ratio

-10.7x

P/E Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
TUC income statement (TTM)
RevenueN$225.63m
Cost of RevenueN$132.09m
Gross ProfitN$93.54m
ExpensesN$400.47m
Earnings-N$306.93m

Last Reported Earnings

Mar 31, 2021

Next Earnings Date

n/a

Earnings per share (EPS)-0.20
Gross Margin41.46%
Net Profit Margin-136.03%
Debt/Equity Ratio55.9%

How did TUC perform over the long term?

See historical performance and comparison

Valuation

Is Trustco Group Holdings undervalued compared to its fair value and its price relative to the market?

1.23x

Price to Book (PB) ratio


Share Price vs. Fair Value

Below Fair Value: TUC (ZAR2.1) is trading above our estimate of fair value (ZAR0.46)

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


Price To Earnings Ratio

PE vs Industry: TUC is unprofitable, so we can't compare its PE Ratio to the African Diversified Financial industry average.

PE vs Market: TUC is unprofitable, so we can't compare its PE Ratio to the NA market.


Price to Earnings Growth Ratio

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


Price to Book Ratio

PB vs Industry: TUC is overvalued based on its PB Ratio (1.2x) compared to the XF Diversified Financial industry average (0.9x).


Future Growth

How is Trustco Group Holdings forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

15.3%

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 Trustco Group Holdings 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 Trustco Group Holdings performed over the past 5 years?

-10.4%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: TUC is currently unprofitable.

Growing Profit Margin: TUC is currently unprofitable.


Past Earnings Growth Analysis

Earnings Trend: TUC is unprofitable, and losses have increased over the past 5 years at a rate of 10.4% per year.

Accelerating Growth: Unable to compare TUC's earnings growth over the past year to its 5-year average as it is currently unprofitable

Earnings vs Industry: TUC is unprofitable, making it difficult to compare its past year earnings growth to the Diversified Financial industry (32.9%).


Return on Equity

High ROE: TUC has a negative Return on Equity (-13.51%), as it is currently unprofitable.


Financial Health

How is Trustco Group Holdings's financial position?


Financial Position Analysis

Short Term Liabilities: TUC's short term assets (NAD492.8M) do not cover its short term liabilities (NAD699.3M).

Long Term Liabilities: TUC's short term assets (NAD492.8M) do not cover its long term liabilities (NAD1.8B).


Debt to Equity History and Analysis

Debt Level: TUC's debt to equity ratio (55.9%) is considered high.

Reducing Debt: TUC's debt to equity ratio has increased from 52.7% to 55.9% over the past 5 years.

Debt Coverage: TUC's debt is not well covered by operating cash flow (6.9%).

Interest Coverage: Insufficient data to determine if TUC's interest payments on its debt are well covered by EBIT.


Balance Sheet


Dividend

What is Trustco Group Holdings's current dividend yield, its reliability and sustainability?


Dividend Yield vs Market

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

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

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


Current Payout to Shareholders

Dividend Coverage: TUC is not paying a notable dividend for the NA market.


Future Payout to Shareholders

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


Next Steps

Management

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

4.5yrs

Average management tenure


CEO

Quinton Van Rooyen (55 yo)

4.25yrs

Tenure

Dr. Quinton Van Rooyen, BIuris, LLB, DBL serves as Group Managing Director and Executive Director at Trustco Group Holdings Limited and has been its Chief Executive Officer since July 27, 2017. Dr. Van Roo...


Leadership Team

Experienced Management: TUC's management team is considered experienced (4.5 years average tenure).


Board Members

Experienced Board: TUC's board of directors are considered experienced (9.3 years average tenure).


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: TUC insiders have bought more shares than they have sold in the past 3 months.


Recent Insider Transactions

Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

Company Information

Trustco Group Holdings Limited's employee growth, exchange listings and data sources


Key Information

  • Name: Trustco Group Holdings Limited
  • Ticker: TUC
  • Exchange: NMSE
  • Founded: 1992
  • Industry: Multi-Sector Holdings
  • Sector: Diversified Financials
  • Market Cap: R3.296b
  • Shares outstanding: 1.57b
  • Website: https://www.tgh.na

Number of Employees


Location

  • Trustco Group Holdings Limited
  • Trustco House
  • 2 Keller Street
  • Windhoek
  • Namibia

Listings


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2021/10/20 22:06
End of Day Share Price2021/10/20 00:00
Earnings2021/03/31
Annual Earnings2020/09/30


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.