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TLS

Tunisie Leasing & Factoring Société anonymeBVMT:TLS Stock Report

Market Cap

د.ت108.0m

7D

0%

1Y

8.7%

Updated

18 Oct, 2021

Data

Company Financials +
TLS fundamental analysis
Snowflake Score
Valuation0/6
Future Growth0/6
Past Performance0/6
Financial Health0/6
Dividends2/6

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

Summary of all time highs, changes and price drops for Tunisie Leasing & Factoring Société anonyme
Historical stock prices
Current Share Priceد.ت10.00
52 Week Highد.ت9.00
52 Week Lowد.ت11.30
Beta0
1 Month Change-3.85%
3 Month Changen/a
1 Year Change8.70%
3 Year Change-37.55%
5 Year Change-44.20%
Change since IPO0.58%

Recent News & Updates

Shareholder Returns

TLSTN Diversified FinancialTN Market
7D0%0.1%-0.5%
1Y8.7%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

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

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

FoundedEmployeesCEOWebsite
1984n/aHichem Zghalhttps://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

How do Tunisie Leasing & Factoring Société anonyme's earnings and revenue compare to its market cap?
TLS fundamental statistics
Market Capد.ت108.00m
Earnings (TTM)د.ت11.13m
Revenue (TTM)د.ت289.45m

0x

P/E Ratio

0x

P/S Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
TLS income statement (TTM)
Revenueد.ت289.45m
Cost of Revenueد.ت19.40m
Gross Profitد.ت270.05m
Expensesد.ت258.92m
Earningsد.ت11.13m

Last Reported Earnings

Dec 31, 2019

Next Earnings Date

n/a

Earnings per share (EPS)0
Gross Margin0.00%
Net Profit Margin0.00%
Debt/Equity Ratio0.0%

How did TLS perform over the long term?

See historical performance and comparison

Dividends

3.6%

Current Dividend Yield

n/a

Payout Ratio

Valuation

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

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2021/10/18 15:01
End of Day Share Price2021/10/07 00:00
Earnings2019/12/31
Annual Earnings2019/12/31


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.