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UNHO

Union Homes Savings and LoansNGSE:UNHOMES Stock Report

Market Cap

₦2.9b

7D

0%

1Y

0%

Updated

17 Oct, 2021

Data

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

UNHOMES Overview

Union Homes Savings and Loans Plc engages in providing mortgage finance services, funding estates and developers, supporting investors in housing schemes, and purchasing houses and estates for resale to corporate and private customers.

Price History & Performance

Summary of all time highs, changes and price drops for Union Homes Savings and Loans
Historical stock prices
Current Share Price₦3.02
52 Week High₦0
52 Week Low₦0
Beta0
1 Month Change0%
3 Month Change0%
1 Year Change0%
3 Year Change0%
5 Year Change0%
Change since IPO9.10%

Recent News & Updates

Shareholder Returns

UNHOMESNG MortgageNG Market
7D0%0.9%1.6%
1Y0%-0.6%40.0%

Return vs Industry: UNHOMES matched the NG Mortgage industry which returned -0.6% over the past year.

Return vs Market: UNHOMES underperformed the NG Market which returned 40% over the past year.

Price Volatility

Is UNHOMES's price volatile compared to industry and market?
UNHOMES volatility
UNHOMES Beta0
Industry Beta1.05
Market Beta1

Stable Share Price: UNHOMES is less volatile than 75% of NG stocks over the past 3 months, typically moving +/- 0% a week.

Volatility Over Time: UNHOMES's weekly volatility (0%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
1992n/aKunle Adedigbahttps://www.unionhomes.com.ng

Union Homes Savings and Loans Plc engages in providing mortgage finance services, funding estates and developers, supporting investors in housing schemes, and purchasing houses and estates for resale to corporate and private customers. It funds company also offers flexible all-purpose savings accounts, retirement/pension savings accounts, uni-homes savings accounts, unionhomes trust accounts, target savings accounts, NOW accounts, uni-thrift savings accounts, and house at homes scheme. In addition, it provides estate development loans that are designed to finance the development of large residential estates for sale, lease, or rental; national housing fund; home equity mortgages; house at home scheme; pension-linked mortgage loans that are designed primarily for workers in the public service; and pension linked mortgage scheme that is designed primarily for pensionable employees.

Union Homes Savings and Loans Fundamentals Summary

How do Union Homes Savings and Loans's earnings and revenue compare to its market cap?
UNHOMES fundamental statistics
Market Cap₦2.95b
Earnings (TTM)-₦1.59b
Revenue (TTM)n/a

0x

P/B Ratio

0x

P/S Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
UNHOMES income statement (TTM)
Revenue-₦763.80m
Cost of Revenue₦9.84m
Gross Profit-₦773.64m
Expenses₦816.86m
Earnings-₦1.59b

Last Reported Earnings

Sep 30, 2014

Next Earnings Date

n/a

Earnings per share (EPS)0
Gross Margin0.00%
Net Profit Margin0.00%
Debt/Equity Ratio0.0%

How did UNHOMES perform over the long term?

See historical performance and comparison

Valuation

Is Union Homes Savings and Loans undervalued compared to its fair value and its price relative to the market?


In this section, we usually try to help investors determine whether Union Homes Savings and Loans is trading at an attractive price based on the cash flow it is expected to produce in the future. But as Union Homes Savings and Loans has not provided consistent financial data, and the stock also has no analyst forecast or coverage, its intrinsic value cannot be reliably calculated by extrapolating past data or using analyst consensus cash flow predictions.

This is quite a rare situation as 89% of companies covered by Simply Wall St do have a valuation analysis.


Future Growth

How is Union Homes Savings and Loans forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

3.6%

Forecasted Banks 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 Union Homes Savings and Loans 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 Union Homes Savings and Loans performed over the past 5 years?

13.6%

Historical Banks annual earnings growth


In this section we usually display a company’s past earnings and revenues to help investors visualise the trend through time. We also gauge the company’s performance by benchmarking its returns and growth to its industry peers and the wider market. However, Union Homes Savings and Loans has not provided sufficient past data to assess its track record.

This is quite a rare situation as 97% of companies covered by Simply Wall St do have historical data.


Financial Health

How is Union Homes Savings and Loans's financial position? (This company is analysed differently as a bank or financial institution)


In this section we usually analyse Union Homes Savings and Loans's finance health to determine how well-positioned it is against times of financial distress, in particular, its ability to manage its cash and debt levels. Union Homes Savings and Loans has not provided adequate balance sheet data, its financial health cannot be properly assessed as it.

This is quite a rare situation as 97% of companies covered by Simply Wall St do have financial information.


Dividend

What is Union Homes Savings and Loans's current dividend yield, its reliability and sustainability?


Dividend Yield vs Market

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

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

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


Current Payout to Shareholders

Dividend Coverage: UNHOMES is not paying a notable dividend for the NG market.


Future Payout to Shareholders

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


Next Steps

Management

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


CEO

Kunle Adedigba

no data

Tenure

Mr. Adekunle Demola Adedigba, also known as Kunle, serves as Chief Executive Officer and Managing Director at Union Homes Savings and Loans Plc. Mr. Adedigba served as Chief Executive Officer and Executive...


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

Union Homes Savings and Loans Plc's employee growth, exchange listings and data sources


Key Information

  • Name: Union Homes Savings and Loans Plc
  • Ticker: UNHOMES
  • Exchange: NGSE
  • Founded: 1992
  • Industry: Thrifts and Mortgage Finance
  • Sector: Banks
  • Market Cap: ₦2.949b
  • Shares outstanding: 976.56m
  • Website: https://www.unionhomes.com.ng

Location

  • Union Homes Savings and Loans Plc
  • 153 Ikorodu Road
  • Onipanu
  • Lagos
  • Nigeria

Listings


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2021/10/17 15:22
End of Day Share Price2021/10/15 00:00
Earnings2014/09/30
Annual Earnings2013/12/31


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.