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DEHG

Delavska hranilnica d.d LJSE:DEHG Stock Report

Last Price

€104.00

Market Cap

€54.7m

7D

0%

1Y

3.0%

Updated

09 May, 2022

Data

Company Financials
DEHG fundamental analysis
Snowflake Score
Valuation3/6
Future Growth0/6
Past Performance0/6
Financial Health3/6
Dividends0/6

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

Summary of all time highs, changes and price drops for Delavska hranilnica d.d
Historical stock prices
Current Share Price€104.00
52 Week High€105.00
52 Week Low€100.00
Beta-0.083
1 Month Change0%
3 Month Change0.97%
1 Year Change2.97%
3 Year Change10.64%
5 Year Changen/a
Change since IPO18.18%

Recent News & Updates

Shareholder Returns

DEHGSI MortgageSI Market
7D0%-4.6%-1.8%
1Y3.0%1.7%-0.7%

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.

Price Volatility

Is DEHG's price volatile compared to industry and market?
DEHG volatility
DEHG Average Weekly Movementn/a
Mortgage Industry Average Movement5.6%
Market Average Movement4.4%
10% most volatile stocks in SI Market7.0%
10% least volatile stocks in SI Market3.5%

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

FoundedEmployeesCEOWebsite
1990309Renato Založnikhttps://www.delavska-hranilnica.si

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

How do Delavska hranilnica d.d's earnings and revenue compare to its market cap?
DEHG fundamental statistics
Market Cap€54.70m
Earnings (TTM)€2.83m
Revenue (TTM)€32.88m

19.3x

P/E Ratio

0.7x

P/B Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
DEHG income statement (TTM)
Revenue€32.88m
Cost of Revenue€0
Gross Profit€32.88m
Other Expenses€30.05m
Earnings€2.83m

Last Reported Earnings

Dec 31, 2020

Next Earnings Date

n/a

Earnings per share (EPS)5.38
Gross Margin100.00%
Net Profit Margin8.61%
Debt/Equity Ratio75.8%

How did DEHG perform over the long term?

See historical performance and comparison

Valuation

Is Delavska hranilnica d.d undervalued compared to its fair value and its price relative to the market?

Valuation Score

3/6

Valuation Score 3/6

  • Below Fair Value

  • Significantly Below Fair Value

  • PE vs Industry

  • PE vs Market

  • PEG Ratio

  • PB vs Industry


39.1%

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).


Future Growth

How is Delavska hranilnica d.d forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

Future Growth Score

0/6

Future Growth Score 0/6

  • Earnings vs Savings Rate

  • Earnings vs Market

  • High Growth Earnings

  • Revenue vs Market

  • High Growth Revenue

  • Future ROE


6.8%

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.


Past Performance

How has Delavska hranilnica d.d performed over the past 5 years?

Past Performance Score

0/6

Past Performance Score 0/6

  • Quality Earnings

  • Growing Profit Margin

  • Earnings Trend

  • Accelerating Growth

  • Earnings vs Industry

  • High ROE


3.0%

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.


Financial Health

How is Delavska hranilnica d.d's financial position? (This company is analysed differently as a bank or financial institution)

Financial Health Score

3/6

Financial Health Score 3/6

  • Asset Level

  • Allowance for Bad Loans

  • Low Risk Liabilities

  • Loan Level

  • Low Risk Deposits

  • Level of Bad Loans

Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet


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.


Dividend

What is Delavska hranilnica d.d current dividend yield, its reliability and sustainability?

Dividend Score

0/6

Dividend Score 0/6

  • Notable Dividend

  • High Dividend

  • Stable Dividend

  • Growing Dividend

  • Earnings Coverage

  • 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.


Next Steps

Management

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

5.8yrs

Average board tenure


CEO

Renato Založnik

4.5yrs

Tenure

€174,300

Compensation

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.


Board Members

Experienced Board: DEHG's board of directors are considered experienced (5.8 years average tenure).


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

Delavska hranilnica d.d.'s employee growth, exchange listings and data sources


Key Information

  • 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


Location

  • Delavska hranilnica d.d.
  • Miklošiceva 5
  • Ljubljana
  • 1000
  • Slovenia

Listings


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2022/05/09 00:00
End of Day Share Price2022/02/09 00:00
Earnings2020/12/31
Annual Earnings2020/12/31


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.