GFL Stock Overview
Geneva Finance Limited lends money to individuals, companies, and other entities primarily in New Zealand and Tonga.
Geneva Finance Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||NZ$0.53|
|52 Week High||NZ$0.82|
|52 Week Low||NZ$0.50|
|1 Month Change||1.92%|
|3 Month Change||-18.46%|
|1 Year Change||-23.19%|
|3 Year Change||-3.64%|
|5 Year Change||-17.19%|
|Change since IPO||-41.76%|
Recent News & Updates
Is Now The Time To Put Geneva Finance (NZSE:GFL) On Your Watchlist?
For beginners, it can seem like a good idea (and an exciting prospect) to buy a company that tells a good story to...
This Is Why We Think Geneva Finance Limited's (NZSE:GFL) CEO Might Get A Pay Rise Approved By Shareholders
The decent performance at Geneva Finance Limited ( NZSE:GFL ) recently will please most shareholders as they go into...
We Discuss Why Geneva Finance Limited's (NZSE:GFL) CEO May Deserve A Higher Pay Packet
Shareholders will be pleased by the robust performance of Geneva Finance Limited ( NZSE:GFL ) recently and this will be...
|GFL||NZ Consumer Finance||NZ Market|
Return vs Industry: GFL exceeded the NZ Consumer Finance industry which returned -52% over the past year.
Return vs Market: GFL underperformed the NZ Market which returned -11.3% over the past year.
|GFL Average Weekly Movement||5.9%|
|Consumer Finance Industry Average Movement||9.3%|
|Market Average Movement||4.4%|
|10% most volatile stocks in NZ Market||8.3%|
|10% least volatile stocks in NZ Market||3.0%|
Stable Share Price: GFL is not significantly more volatile than the rest of NZ stocks over the past 3 months, typically moving +/- 6% a week.
Volatility Over Time: GFL's weekly volatility (6%) has been stable over the past year.
About the Company
Geneva Finance Limited lends money to individuals, companies, and other entities primarily in New Zealand and Tonga. The company operates through Corporate, New Business, Insurance, Old Business, Invoice Factoring, and Overseas segments. It offers personal and car loans.
Geneva Finance Fundamentals Summary
|GFL fundamental statistics|
Is GFL overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|GFL income statement (TTM)|
|Cost of Revenue||NZ$23.64m|
Last Reported Earnings
Mar 31, 2022
Next Earnings Date
|Earnings per share (EPS)||0.076|
|Net Profit Margin||14.06%|
How did GFL perform over the long term?See historical performance and comparison
7.5%Current Dividend Yield
Is GFL undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score 4/6
Price-To-Earnings vs Peers
Price-To-Earnings vs Industry
Price-To-Earnings vs Fair Ratio
Below Fair Value
Significantly Below Fair Value
Key Valuation Metric
Which metric is best to use when looking at relative valuation for GFL?
Other financial metrics that can be useful for relative valuation.
|What is GFL's n/a Ratio?|
Price to Earnings Ratio vs Peers
How does GFL's PE Ratio compare to its peers?
|GFL PE Ratio vs Peers|
|Company||PE||Estimated Growth||Market Cap|
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GFL Geneva Finance
Price-To-Earnings vs Peers: GFL is good value based on its Price-To-Earnings Ratio (6.9x) compared to the peer average (7.7x).
Price to Earnings Ratio vs Industry
How does GFL's PE Ratio compare vs other companies in the Global Consumer Finance Industry?
Price-To-Earnings vs Industry: GFL is good value based on its Price-To-Earnings Ratio (6.9x) compared to the Oceanic Consumer Finance industry average (9.5x)
Price to Earnings Ratio vs Fair Ratio
What is GFL's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.
|Current PE Ratio||6.9x|
|Fair PE Ratio||n/a|
Price-To-Earnings vs Fair Ratio: Insufficient data to calculate GFL's Price-To-Earnings Fair Ratio for valuation analysis.
Share Price vs Fair Value
What is the Fair Price of GFL when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.
Below Fair Value: GFL (NZ$0.53) is trading below our estimate of fair value (NZ$0.88)
Significantly Below Fair Value: GFL is trading below fair value by more than 20%.
Analyst Price Targets
What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?
Analyst Forecast: Insufficient data to show price forecast.
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How is Geneva Finance forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
Future Growth Score0/6
Future Growth Score 0/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
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 Geneva Finance 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.
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How has Geneva Finance performed over the past 5 years?
Past Performance Score2/6
Past Performance Score 2/6
Growing Profit Margin
Earnings vs Industry
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: GFL has high quality earnings.
Growing Profit Margin: GFL's current net profit margins (14.1%) are lower than last year (20.5%).
Past Earnings Growth Analysis
Earnings Trend: GFL's earnings have grown by 0.9% per year over the past 5 years.
Accelerating Growth: GFL's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: GFL had negative earnings growth (-10.9%) over the past year, making it difficult to compare to the Consumer Finance industry average (14.3%).
Return on Equity
High ROE: GFL's Return on Equity (15.7%) is considered low.
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How is Geneva Finance's financial position?
Financial Health Score2/6
Financial Health Score 2/6
Short Term Liabilities
Long Term Liabilities
Financial Position Analysis
Short Term Liabilities: GFL's short term assets (NZ$144.2M) exceed its short term liabilities (NZ$12.2M).
Long Term Liabilities: GFL's short term assets (NZ$144.2M) exceed its long term liabilities (NZ$105.7M).
Debt to Equity History and Analysis
Debt Level: GFL's net debt to equity ratio (116.6%) is considered high.
Reducing Debt: GFL's debt to equity ratio has increased from 218% to 220.7% over the past 5 years.
Debt Coverage: GFL's debt is not well covered by operating cash flow (14%).
Interest Coverage: Insufficient data to determine if GFL's interest payments on its debt are well covered by EBIT.
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What is Geneva Finance current dividend yield, its reliability and sustainability?
Dividend Score 4/6
Cash Flow Coverage
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: GFL's dividend (7.55%) is higher than the bottom 25% of dividend payers in the NZ market (2.99%).
High Dividend: GFL's dividend (7.55%) is in the top 25% of dividend payers in the NZ market (5.86%)
Stability and Growth of Payments
Stable Dividend: GFL has been paying a dividend for less than 10 years and during this time payments have been volatile.
Growing Dividend: GFL's dividend payments have increased, but the company has only paid a dividend for 5 years.
Earnings Payout to Shareholders
Earnings Coverage: With its reasonable payout ratio (52.9%), GFL's dividend payments are covered by earnings.
Cash Payout to Shareholders
Cash Flow Coverage: With its reasonably low cash payout ratio (25.2%), GFL's dividend payments are well covered by cash flows.
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How experienced are the management team and are they aligned to shareholders interests?
Average board tenure
Geneva Finance has no CEO, or we have no data on them.
Experienced Board: GFL's board of directors are considered experienced (8.8 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.
Recent Insider Transactions
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Geneva Finance Limited's employee growth, exchange listings and data sources
- Name: Geneva Finance Limited
- Ticker: GFL
- Exchange: NZSE
- Founded: 2002
- Industry: Consumer Finance
- Sector: Diversified Financials
- Implied Market Cap: NZ$37.508m
- Shares outstanding: 72.13m
- Website: https://genevafinance.co.nz
Number of Employees
- Geneva Finance Limited
- 6B Pacific Rise
- Mount Wellington
- New Zealand
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/08/09 00:00|
|End of Day Share Price||2022/08/09 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.