DEHG Stock Overview
Delavska hranilnica d.d. provides various saving banking and financial services to individual and businesses in Slovenia.
Delavska hranilnica d.d Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||€104.00|
|52 Week High||€105.00|
|52 Week Low||€100.00|
|1 Month Change||0%|
|3 Month Change||0.97%|
|1 Year Change||2.97%|
|3 Year Change||10.64%|
|5 Year Change||n/a|
|Change since IPO||18.18%|
Recent News & Updates
|DEHG||SI Mortgage||SI Market|
Return vs Industry: DEHG exceeded the SI Mortgage industry which returned 1.3% over the past year.
Return vs Market: DEHG underperformed the SI Market which returned 4% over the past year.
|DEHG Average Weekly Movement||n/a|
|Mortgage Industry Average Movement||5.6%|
|Market Average Movement||4.4%|
|10% most volatile stocks in SI Market||7.0%|
|10% least volatile stocks in SI Market||3.5%|
Stable Share Price: Insufficient data to determine DEHG's volatility over the past 3 months.
Volatility Over Time: Insufficient data to determine DEHG's volatility change over the past year.
About the Company
Delavska hranilnica d.d. provides various saving banking and financial services to individual and businesses in Slovenia. The company offers fiduciary accounts for lawyers and real estate companies; reserve fund accounts; accounts for fire brigades and associations; and action business accounts. It also provides short-term loans, long-term loans, loans guaranteed by the Slovenian Enterprise Fund, loans guaranteed by the Slovenian Regional Development Fund, bank guarantees, and purchase of receivables, as well as limits.
Delavska hranilnica d.d Fundamentals Summary
|DEHG fundamental statistics|
Is DEHG overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|DEHG income statement (TTM)|
|Cost of Revenue||€0|
Last Reported Earnings
Dec 31, 2020
Next Earnings Date
|Earnings per share (EPS)||5.38|
|Net Profit Margin||8.61%|
How did DEHG perform over the long term?See historical performance and comparison
Is Delavska hranilnica d.d undervalued compared to its fair value and its price relative to the market?
Valuation Score 3/6
Below Fair Value
Significantly Below Fair Value
PE vs Industry
PE vs Market
PB vs Industry
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: DEHG (€104) is trading below our estimate of fair value (€170.67)
Significantly Below Fair Value: DEHG is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: DEHG is poor value based on its PE Ratio (19.3x) compared to the European Mortgage industry average (12.8x).
PE vs Market: DEHG is poor value based on its PE Ratio (19.3x) compared to the SI market (8.6x).
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate DEHG's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: DEHG is good value based on its PB Ratio (0.7x) compared to the XE Mortgage industry average (0.9x).
How is Delavska hranilnica d.d 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 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 Delavska hranilnica d.d 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 Delavska hranilnica d.d performed over the past 5 years?
Past Performance Score0/6
Past Performance Score 0/6
Growing Profit Margin
Earnings vs Industry
Last years earnings growth
Earnings and Revenue History
Quality Earnings: DEHG has a high level of non-cash earnings.
Growing Profit Margin: DEHG's current net profit margins (8.6%) are lower than last year (8.8%).
Past Earnings Growth Analysis
Earnings Trend: Insufficient data to determine if DEHG's year-on-year earnings growth rate was positive over the past 5 years.
Accelerating Growth: Insufficient data to compare DEHG's past year earnings growth to its 5-year average.
Earnings vs Industry: DEHG earnings growth over the past year (3%) underperformed the Mortgage industry 51.2%.
Return on Equity
High ROE: DEHG's Return on Equity (6.5%) is considered low.
How is Delavska hranilnica d.d's financial position? (This company is analysed differently as a bank or financial institution)
Financial Health Score3/6
Financial Health Score 3/6
Allowance for Bad Loans
Low Risk Liabilities
Low Risk Deposits
Level of Bad Loans
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: DEHG's Assets to Equity ratio (22.9x) is very high.
Allowance for Bad Loans: Insufficient data to determine if DEHG has a sufficient allowance for bad loans.
Low Risk Liabilities: 96% of DEHG's liabilities are made up of primarily low risk sources of funding.
Loan Level: DEHG has an appropriate level of Loans to Assets ratio (39%).
Low Risk Deposits: DEHG's Loans to Deposits ratio (42%) is appropriate.
Level of Bad Loans: Insufficient data to determine if DEHG has an appropriate level of bad loans.
What is Delavska hranilnica d.d current dividend yield, its reliability and sustainability?
Dividend Score 0/6
Future Dividend Coverage
Dividend Yield vs Market
Notable Dividend: Unable to evaluate DEHG's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate DEHG'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 DEHG's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if DEHG's dividend payments have been increasing.
Current Payout to Shareholders
Earnings Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of DEHG's dividend in 3 years as they are not forecast to pay a notable one for the SI market.
How experienced are the management team and are they aligned to shareholders interests?
Average board tenure
Mr. Renato Založnik has been Chairman of the Management Board and Chief Executive Officer at Delavska hranilnica d.d., Ljubljana. since November 1, 2017.
CEO Compensation Analysis
Compensation vs Market: Renato's total compensation ($USD184.66K) is below average for companies of similar size in the SI market ($USD277.82K).
Compensation vs Earnings: Renato's compensation has been consistent with company performance over the past year.
Experienced Board: DEHG's board of directors are considered experienced (5.8 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.
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Delavska hranilnica d.d.'s employee growth, exchange listings and data sources
- Name: Delavska hranilnica d.d.
- Ticker: DEHG
- Exchange: LJSE
- Founded: 1990
- Industry: Thrifts and Mortgage Finance
- Sector: Banks
- Implied Market Cap: €54.702m
- Shares outstanding: 525.98k
- Website: https://www.delavska-hranilnica.si
Number of Employees
- Delavska hranilnica d.d.
- Miklošiceva 5
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/05/09 00:00|
|End of Day Share Price||2022/02/09 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.