Geneva Finance Limited provides finance and financial services to the consumer credit and small to medium business markets primarily in New Zealand and Tonga. More Details
Good value second-rate dividend payer.
Share Price & News
How has Geneva Finance's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: GFL is not significantly more volatile than the rest of NZ stocks over the past 3 months, typically moving +/- 5% a week.
Volatility Over Time: GFL's weekly volatility (5%) has been stable over the past year.
7 Day Return
NZ Consumer Finance
1 Year Return
NZ Consumer Finance
Return vs Industry: GFL underperformed the NZ Consumer Finance industry which returned 6% over the past year.
Return vs Market: GFL underperformed the NZ Market which returned 9.5% over the past year.
Long-Term Price Volatility Vs. Market
How volatile is Geneva Finance's share price compared to the market and industry in the last 5 years?
Simply Wall St News
3 weeks ago | Simply Wall StHere's What We Think About Geneva Finance's (NZSE:GFL) CEO Pay
2 months ago | Simply Wall StGeneva Finance Limited's (NZSE:GFL) Low P/E No Reason For Excitement
5 months ago | Simply Wall StWould Geneva Finance Limited (NZSE:GFL) Be Valuable To Income Investors?
Is Geneva Finance undervalued compared to its fair value and its price relative to the market?
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: GFL (NZ$0.42) is trading below our estimate of fair value (NZ$0.5)
Significantly Below Fair Value: GFL is trading below fair value, but not by a significant amount.
Price To Earnings Ratio
PE vs Industry: GFL is good value based on its PE Ratio (8.3x) compared to the XO Consumer Finance industry average (23.3x).
PE vs Market: GFL is good value based on its PE Ratio (8.3x) compared to the NZ market (23x).
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate GFL's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: GFL is good value based on its PB Ratio (1x) compared to the XO Consumer Finance industry average (2.8x).
How is Geneva Finance 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 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.
- Examine whether Geneva Finance is trading at an attractive price based on how much it is expected to earn in the future, and relative to its industry peers and the wider market.
- Geneva Finance competitive advantages and company strategy can generally be found in its financial reports archived here.
- Explore growth companies in the Diversified Financials industry.
How has Geneva Finance performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: GFL has high quality earnings.
Growing Profit Margin: GFL's current net profit margins (14.9%) are lower than last year (19.2%).
Past Earnings Growth Analysis
Earnings Trend: GFL's earnings have grown by 4.5% 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 (-8.5%) over the past year, making it difficult to compare to the Consumer Finance industry average (-6.8%).
Return on Equity
High ROE: GFL's Return on Equity (13.1%) is considered low.
How is Geneva Finance's financial position?
Financial Position Analysis
Short Term Liabilities: GFL's short term assets (NZ$116.3M) exceed its short term liabilities (NZ$18.6M).
Long Term Liabilities: GFL's short term assets (NZ$116.3M) exceed its long term liabilities (NZ$75.5M).
Debt to Equity History and Analysis
Debt Level: GFL's debt to equity ratio (238.7%) is considered high.
Reducing Debt: GFL's debt to equity ratio has increased from 202.5% to 238.7% over the past 5 years.
Debt Coverage: GFL's debt is not well covered by operating cash flow (8.5%).
Interest Coverage: Insufficient data to determine if GFL's interest payments on its debt are well covered by EBIT.
What is Geneva Finance current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: GFL's dividend (6.55%) is higher than the bottom 25% of dividend payers in the NZ market (2.72%).
High Dividend: GFL's dividend (6.55%) is in the top 25% of dividend payers in the NZ market (4.32%)
Stability and Growth of Payments
Stable Dividend: GFL has been paying a dividend for less than 10 years and during this time payments have been volatile.
Growing Dividend: GFL's dividend payments have increased, but the company has only paid a dividend for 4 years.
Current Payout to Shareholders
Dividend Coverage: With its reasonable payout ratio (54.1%), GFL's dividend payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.
How experienced are the management team and are they aligned to shareholders interests?
Average board tenure
Mr. David Gerard O'Connell has been Managing Director of Geneva Finance Limited (formerly known as GFNZ Group Limited) since May 2, 2008 and has been its Chief Financial Officer since joining in July 2006....
CEO Compensation Analysis
Compensation vs Market: David's total compensation ($USD390.69K) is above average for companies of similar size in the NZ market ($USD264.04K).
Compensation vs Earnings: David's compensation has been consistent with company performance over the past year.
|MD, CFO & Executive Director||12.5yrs||NZ$565.96k||0.52% |
|Independent Non- Executive Chairman||12.42yrs||NZ$41.40k||2.81% |
|Non Executive Director||7yrs||NZ$41.40k||no data|
|Non-Executive Director||0.75yr||NZ$4.15k||no data|
|Independent Non-Executive Director||0.25yr||no data||no data|
Experienced Board: GFL'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.
Geneva Finance Limited's company bio, employee growth, exchange listings and data sources
- Name: Geneva Finance Limited
- Ticker: GFL
- Exchange: NZSE
- Founded: 2002
- Industry: Consumer Finance
- Sector: Diversified Financials
- Market Cap: NZ$30.633m
- Shares outstanding: 72.94m
- Website: https://genevafinance.co.nz
Number of Employees
- Geneva Finance Limited
- 6B Pacific Rise
- Mount Wellington
- New Zealand
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|GFL||NZSE (New Zealand Stock Exchange)||Yes||Ordinary Shares||NZ||NZD||Jul 2008|
Geneva Finance Limited provides finance and financial services to the consumer credit and small to medium business markets primarily in New Zealand and Tonga. It operates through Corporate, New Business, I...
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/11/24 10:41|
|End of Day Share Price||2020/11/23 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.