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TJL

Attijari LeasingBVMT:TJL Stock Report

Market Cap

د.ت32.7m

7D

2.6%

1Y

25.9%

Updated

22 Oct, 2021

Data

Company Financials +
TJL fundamental analysis
Snowflake Score
Valuation2/6
Future Growth0/6
Past Performance4/6
Financial Health3/6
Dividends0/6

TJL Overview

Attijari Leasing S.A. engages in the leasing business in Tunisia.

Price History & Performance

Summary of all time highs, changes and price drops for Attijari Leasing
Historical stock prices
Current Share Priceد.ت11.90
52 Week Highد.ت8.76
52 Week Lowد.ت12.26
Beta0.47
1 Month Change1.71%
3 Month Change19.00%
1 Year Change25.93%
3 Year Change-32.50%
5 Year Change-25.13%
Change since IPO-59.17%

Recent News & Updates

Shareholder Returns

TJLTN Diversified FinancialTN Market
7D2.6%0.07%-0.9%
1Y25.9%4.7%-0.4%

Return vs Industry: TJL exceeded the TN Diversified Financial industry which returned 4.7% over the past year.

Return vs Market: TJL exceeded the TN Market which returned -0.4% over the past year.

Price Volatility

Is TJL's price volatile compared to industry and market?
TJL volatility
TJL Beta0.47
Industry Beta0.67
Market Beta1

Stable Share Price: Insufficient data to determine TJL's volatility over the past 3 months.

Volatility Over Time: Insufficient data to determine TJL's volatility change over the past year.

About the Company

FoundedEmployeesCEOWebsite
1994n/aMoez Terzihttps://www.attijarileasing.com.tn

Attijari Leasing S.A. engages in the leasing business in Tunisia. The company provides real estate and professional furniture leasing services for industrial, agricultural, and service uses. It also offers factoring services, including management, financing, and the guarantee of the debts of members.

Attijari Leasing Fundamentals Summary

How do Attijari Leasing's earnings and revenue compare to its market cap?
TJL fundamental statistics
Market Capد.ت32.73m
Earnings (TTM)د.ت6.77m
Revenue (TTM)د.ت59.50m

4.8x

P/E Ratio

0.5x

P/S Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
TJL income statement (TTM)
Revenueد.ت59.50m
Cost of Revenueد.ت572.81k
Gross Profitد.ت58.93m
Expensesد.ت52.16m
Earningsد.ت6.77m

Last Reported Earnings

Jun 30, 2021

Next Earnings Date

n/a

Earnings per share (EPS)2.46
Gross Margin99.04%
Net Profit Margin11.38%
Debt/Equity Ratio659.8%

How did TJL perform over the long term?

See historical performance and comparison

Valuation

Is Attijari Leasing undervalued compared to its fair value and its price relative to the market?

4.83x

Price to Earnings (PE) ratio


Share Price vs. Fair Value

Below Fair Value: Insufficient data to calculate TJL's fair value to establish if it is undervalued.

Significantly Below Fair Value: Insufficient data to calculate TJL's fair value to establish if it is undervalued.


Price To Earnings Ratio

PE vs Industry: TJL is good value based on its PE Ratio (4.8x) compared to the African Diversified Financial industry average (10.6x).

PE vs Market: TJL is good value based on its PE Ratio (4.8x) compared to the TN market (11.9x).


Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate TJL's PEG Ratio to determine if it is good value.


Price to Book Ratio

PB vs Industry: TJL's PB Ratio (0.6x) is in line with the TN Diversified Financial industry average.


Future Growth

How is Attijari Leasing forecast to perform in the next 1 to 3 years based on estimates from 1 analyst?

16.8%

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 Attijari Leasing 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 Attijari Leasing performed over the past 5 years?

-8.5%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: TJL has high quality earnings.

Growing Profit Margin: TJL's current net profit margins (11.4%) are higher than last year (4.3%).


Past Earnings Growth Analysis

Earnings Trend: TJL's earnings have declined by 8.5% per year over the past 5 years.

Accelerating Growth: TJL's earnings growth over the past year (176.6%) exceeds its 5-year average (-8.5% per year).

Earnings vs Industry: TJL earnings growth over the past year (176.6%) exceeded the Diversified Financial industry 32.9%.


Return on Equity

High ROE: TJL's Return on Equity (11.9%) is considered low.


Financial Health

How is Attijari Leasing's financial position?


Financial Position Analysis

Short Term Liabilities: TJL's short term assets (TND481.2M) exceed its short term liabilities (TND233.9M).

Long Term Liabilities: TJL's short term assets (TND481.2M) exceed its long term liabilities (TND216.6M).


Debt to Equity History and Analysis

Debt Level: TJL's debt to equity ratio (659.8%) is considered high.

Reducing Debt: TJL's debt to equity ratio has reduced from 840.2% to 659.8% over the past 5 years.

Debt Coverage: TJL's debt is not well covered by operating cash flow (14.6%).

Interest Coverage: TJL's interest payments on its debt are not well covered by EBIT (1.3x coverage).


Balance Sheet


Dividend

What is Attijari Leasing current dividend yield, its reliability and sustainability?


Dividend Yield vs Market

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

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

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


Current Payout to Shareholders

Dividend 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 TJL's dividend in 3 years as they are not forecast to pay a notable one for the TN market.


Next Steps

Management

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


CEO

Moez Terzi

6.58yrs

Tenure

Mr. Moez Terzi has been Chief Executive Officer at Attijari Leasing S.A. since March 31, 2015.


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

Attijari Leasing S.A.'s employee growth, exchange listings and data sources


Key Information

  • Name: Attijari Leasing S.A.
  • Ticker: TJL
  • Exchange: BVMT
  • Founded: 1994
  • Industry: Specialized Finance
  • Sector: Diversified Financials
  • Market Cap: د.ت32.725m
  • Shares outstanding: 2.75m
  • Website: https://www.attijarileasing.com.tn

Location

  • Attijari Leasing S.A.
  • Rue du Lac d'Annecy
  • Les Berges du Lac
  • Tunis
  • 1053
  • Tunisia

Listings


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2021/10/22 15:40
End of Day Share Price2021/10/22 00:00
Earnings2021/06/30
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.