Trustco Group Holdings Limited provides banking, financial, and insurance related products and services.
Price History & Performance
|Historical stock prices|
|Current Share Price||R2.10|
|52 Week High||R1.25|
|52 Week Low||R4.20|
|1 Month Change||27.27%|
|3 Month Change||32.07%|
|1 Year Change||-32.26%|
|3 Year Change||-75.29%|
|5 Year Change||-40.00%|
|Change since IPO||200.00%|
Recent News & Updates
|TUC||NA Diversified Financial||NA Market|
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.
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
|1992||715||Quinton Van Rooyen||https://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
|TUC fundamental statistics|
Is TUC overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|TUC income statement (TTM)|
|Cost of Revenue||N$132.09m|
Last Reported Earnings
Mar 31, 2021
Next Earnings Date
|Earnings per share (EPS)||-0.20|
|Net Profit Margin||-136.03%|
How did TUC perform over the long term?See historical performance and comparison
Is Trustco Group Holdings undervalued compared to its fair value and its price relative to the market?
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).
How is Trustco Group Holdings forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
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.
How has Trustco Group Holdings performed over the past 5 years?
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.
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.
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.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Quinton Van Rooyen (55 yo)
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...
Experienced Management: TUC's management team is considered experienced (4.5 years average tenure).
Experienced Board: TUC's board of directors are considered experienced (9.3 years average tenure).
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
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Trustco Group Holdings Limited's employee growth, exchange listings and data sources
- 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
- Trustco Group Holdings Limited
- Trustco House
- 2 Keller Street
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/10/20 22:06|
|End of Day Share Price||2021/10/20 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.