| Snowflake Score | |
|---|---|
| Valuation | 0/6 |
| Future Growth | 0/6 |
| Past Performance | 0/6 |
| Financial Health | 0/6 |
| Dividends | 2/6 |
TLS Overview
Tunisie Leasing & Factoring Société anonyme provides leasing and factoring services in Tunisia, Algeria, Ivory Coast, Senegal, Burkina Faso, Mali, Cameroon, Gabon, Kenya, Zambia, and Tanzania.
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | د.ت10.00 |
| 52 Week High | د.ت9.00 |
| 52 Week Low | د.ت11.30 |
| Beta | 0 |
| 1 Month Change | -3.85% |
| 3 Month Change | n/a |
| 1 Year Change | 8.70% |
| 3 Year Change | -37.55% |
| 5 Year Change | -44.20% |
| Change since IPO | 0.58% |
Recent News & Updates
Shareholder Returns
| TLS | TN Diversified Financial | TN Market | |
|---|---|---|---|
| 7D | 0% | 0.1% | -0.5% |
| 1Y | 8.7% | 6.0% | 0.07% |
Return vs Industry: TLS exceeded the TN Diversified Financial industry which returned 6% over the past year.
Return vs Market: TLS exceeded the TN Market which returned 0.1% over the past year.
Price Volatility
| TLS volatility | |
|---|---|
| TLS Beta | 0 |
| Industry Beta | 0.67 |
| Market Beta | 1 |
Stable Share Price: Insufficient data to determine TLS's volatility over the past 3 months.
Volatility Over Time: Insufficient data to determine TLS's volatility change over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1984 | n/a | Hichem Zghal | https://www.tlf.com.tn |
Tunisie Leasing & Factoring Société anonyme provides leasing and factoring services in Tunisia, Algeria, Ivory Coast, Senegal, Burkina Faso, Mali, Cameroon, Gabon, Kenya, Zambia, and Tanzania. It finances auto, transport, building, equipment, medical, and real estate. Tunisie Leasing & Factoring Société anonyme was founded in 1984 and is based in Tunis, Tunisia.
Tunisie Leasing & Factoring Société anonyme Fundamentals Summary
| TLS fundamental statistics | |
|---|---|
| Market Cap | د.ت108.00m |
| Earnings (TTM) | د.ت11.13m |
| Revenue (TTM) | د.ت289.45m |
0x
P/E Ratio0x
P/S RatioIs TLS overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| TLS income statement (TTM) | |
|---|---|
| Revenue | د.ت289.45m |
| Cost of Revenue | د.ت19.40m |
| Gross Profit | د.ت270.05m |
| Expenses | د.ت258.92m |
| Earnings | د.ت11.13m |
Last Reported Earnings
Dec 31, 2019
Next Earnings Date
n/a
| Earnings per share (EPS) | 0 |
| Gross Margin | 0.00% |
| Net Profit Margin | 0.00% |
| Debt/Equity Ratio | 0.0% |
How did TLS perform over the long term?
See historical performance and comparisonDividends
3.6%
Current Dividend Yieldn/a
Payout RatioValuation
Is Tunisie Leasing & Factoring Société anonyme undervalued compared to its fair value and its price relative to the market?
Share Price vs. Fair Value
Below Fair Value: TLS (TND10) is trading above our estimate of fair value (TND1.28)
Significantly Below Fair Value: TLS is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: Insufficient data to calculate TLS's PE Ratio to determine if it is good value compared to the African Diversified Financial industry average.
PE vs Market: Insufficient data to calculate TLS's PE Ratio to determine if it is good value compared to the TN market.
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate TLS's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: Insufficient data to calculate TLS's PB Ratio to determine if it is good value.
Future Growth
How is Tunisie Leasing & Factoring Société anonyme forecast to perform in the next 1 to 3 years based on estimates from 1 analyst?
15.3%
Forecasted Diversified Financials industry annual growth in earnings
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: Insufficient data to determine if TLS's forecast earnings growth is above the savings rate (9.1%).
Earnings vs Market: Insufficient data to determine if TLS's earnings are forecast to grow faster than the TN market
High Growth Earnings: Insufficient data to determine if earnings are expected to grow significantly over the next 3 years.
Revenue vs Market: Insufficient data to determine if TLS's revenue is forecast to grow faster than the TN market.
High Growth Revenue: Insufficient data to determine if TLS's revenue is forecast to grow faster than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: TLS's Return on Equity is forecast to be low in 3 years time (6.7%).
Past Performance
How has Tunisie Leasing & Factoring Société anonyme performed over the past 5 years?
-1.7%
Historical Diversified Financials annual earnings growth
Earnings and Revenue History
Quality Earnings: Insufficient data to determine if TLS has high quality earnings.
Growing Profit Margin: Insufficient data to determine if TLS's profit margins have improved over the past year.
Past Earnings Growth Analysis
Earnings Trend: Insufficient data to determine if TLS's year-on-year earnings growth rate was positive over the past 5 years.
Accelerating Growth: Insufficient data to compare TLS's past year earnings growth to its 5-year average.
Earnings vs Industry: Insufficient data to determine if TLS's earnings growth over the past year exceeded the Diversified Financial industry average.
Return on Equity
High ROE: TLS has a negative Return on Equity (0%), as it is currently unprofitable.
Financial Health
How is Tunisie Leasing & Factoring Société anonyme's financial position?
Financial Position Analysis
Short Term Liabilities: Insufficient data to determine if TLS's short term assets cover its short term liabilities.
Long Term Liabilities: Insufficient data to determine if TLS's short term assets cover its long term liabilities.
Debt to Equity History and Analysis
Debt Level: Insufficient data to calculate TLS's debt to equity ratio to determine if it is satisfactory.
Reducing Debt: Insufficient data to determine if TLS's debt to equity ratio has reduced over the past 5 years.
Debt Coverage: Insufficient data to determine if TLS's debt is well covered by operating cash flow.
Interest Coverage: Insufficient data to determine if TLS's interest payments on its debt are well covered by EBIT.
Balance Sheet
Dividend
What is Tunisie Leasing & Factoring Société anonyme current dividend yield, its reliability and sustainability?
3.60%
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: TLS's dividend (3.6%) is higher than the bottom 25% of dividend payers in the TN market (2.89%).
High Dividend: TLS's dividend (3.6%) is low compared to the top 25% of dividend payers in the TN market (6.62%).
Stability and Growth of Payments
Stable Dividend: Too early to tell whether TLS's dividend payments have been stable as they only just started paying a dividend.
Growing Dividend: Too early to tell if TLS's dividend payments are increasing as they only just started paying a dividend.
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: TLS's dividends in 3 years are forecast to be well covered by earnings (31.6% payout ratio).
Next Steps
Management
How experienced are the management team and are they aligned to shareholders interests?
CEO
Hichem Zghal
4.75yrs
Tenure
Mr. Hichem Zghal serves as Chairman of the Board at Alios Finance Ivory Coast. He serves as Director of Ennakl Automobiles S.A. He has been Chief Executive Officer of Alios Fiance Group at Alios Finance Iv...
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
Tunisie Leasing & Factoring Société anonyme's employee growth, exchange listings and data sources
Key Information
- Name: Tunisie Leasing & Factoring Société anonyme
- Ticker: TLS
- Exchange: BVMT
- Founded: 1984
- Industry: Specialized Finance
- Sector: Diversified Financials
- Market Cap: د.ت108.000m
- Shares outstanding: 10.80m
- Website: https://www.tlf.com.tn
Location
- Tunisie Leasing & Factoring Société anonyme
- Center Urbain Nord
- Avenue Hédi Karray
- Tunis
- 1082
- Tunisia
Listings
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2021/10/18 15:01 |
| End of Day Share Price | 2021/10/07 00:00 |
| Earnings | 2019/12/31 |
| Annual Earnings | 2019/12/31 |
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.