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BHL

BH Leasing Société Anonyme BVMT:BHL Stock Report

Last Price

د.ت1.67

Market Cap

د.ت11.7m

7D

-1.2%

1Y

21.9%

Updated

29 Sep, 2022

Data

Company Financials +
BHL fundamental analysis
Snowflake Score
Valuation2/6
Future Growth0/6
Past Performance2/6
Financial Health2/6
Dividends0/6

BHL Stock Overview

BH Leasing Société Anonyme engages in the leasing business in Tunisia.

BH Leasing Société Anonyme Competitors

Price History & Performance

Summary of all time highs, changes and price drops for BH Leasing Société Anonyme
Historical stock prices
Current Share Priceد.ت1.67
52 Week Highد.ت2.27
52 Week Lowد.ت1.33
Beta-0.20
1 Month Change-7.74%
3 Month Change4.38%
1 Year Change21.90%
3 Year Change-4.57%
5 Year Change-57.83%
Change since IPO-82.60%

Recent News & Updates

Shareholder Returns

BHLTN Real EstateTN Market
7D-1.2%-4.9%0.6%
1Y21.9%-18.5%2.7%

Return vs Industry: BHL exceeded the TN Real Estate industry which returned -18.5% over the past year.

Return vs Market: BHL exceeded the TN Market which returned 2.7% over the past year.

Price Volatility

Is BHL's price volatile compared to industry and market?
BHL volatility
BHL Average Weekly Movement7.5%
Real Estate Industry Average Movement5.7%
Market Average Movement3.3%
10% most volatile stocks in TN Market5.3%
10% least volatile stocks in TN Market2.0%

Stable Share Price: BHL is more volatile than 90% of TN stocks over the past 3 months, typically moving +/- 8% a week.

Volatility Over Time: BHL's weekly volatility (8%) has been stable over the past year, but is still higher than 75% of TN stocks.

About the Company

FoundedEmployeesCEOWebsite
1997n/aNajet Chabchoubhttps://www.bhleasing.com.tn

BH Leasing Société Anonyme engages in the leasing business in Tunisia. The company engages in the real estate leasing business, including financing the acquisition or construction of commercial premises, administrative premises, warehouses, clinics, and radio centers. It provides automotive leasing services for vehicles, such as cars.

BH Leasing Société Anonyme Fundamentals Summary

How do BH Leasing Société Anonyme's earnings and revenue compare to its market cap?
BHL fundamental statistics
Market Capد.ت11.69m
Earnings (TTM)د.ت1.28m
Revenue (TTM)د.ت10.18m

9.2x

P/E Ratio

1.1x

P/S Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
BHL income statement (TTM)
Revenueد.ت10.18m
Cost of Revenueد.ت733.28k
Gross Profitد.ت9.44m
Other Expensesد.ت8.17m
Earningsد.ت1.28m

Last Reported Earnings

Jun 30, 2022

Next Earnings Date

n/a

Earnings per share (EPS)0.18
Gross Margin92.79%
Net Profit Margin12.55%
Debt/Equity Ratio696.1%

How did BHL perform over the long term?

See historical performance and comparison
We’ve recently updated our valuation analysis.

Valuation

Is BHL undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

2/6

Valuation Score 2/6

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Below Fair Value

  • Significantly Below Fair Value

  • Analyst Forecast

Key Valuation Metric

Which metric is best to use when looking at relative valuation for BHL?

Other financial metrics that can be useful for relative valuation.

BHL key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenuen/a
Enterprise Value/EBITDAn/a
PEG Ratio1.9x

Price to Earnings Ratio vs Peers

How does BHL's PE Ratio compare to its peers?

BHL PE Ratio vs Peers
The above table shows the PE ratio for BHL vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyPEEstimated GrowthMarket Cap
Peer Average18.8x
SOKNA Essoukna
7.1x-29.7%د.ت13.5m
SITS Société Immobilière Tunisio Saoudienne
8xn/aد.ت29.0m
516092 3P Land Holdings
23.1xn/a₹302.4m
PHAR.N0000 Colombo City Holdings
37xn/aLK₨1.1b
BHL BH Leasing Société Anonyme
9.2x4.9%د.ت11.7m

Price-To-Earnings vs Peers: BHL is good value based on its Price-To-Earnings Ratio (9.2x) compared to the peer average (18.8x).


Price to Earnings Ratio vs Industry

How does BHL's PE Ratio compare vs other companies in the African Real Estate Industry?

Price-To-Earnings vs Industry: BHL is good value based on its Price-To-Earnings Ratio (9.2x) compared to the African Real Estate industry average (10.2x)


Price to Earnings Ratio vs Fair Ratio

What is BHL's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

BHL PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio9.2x
Fair PE Ration/a

Price-To-Earnings vs Fair Ratio: Insufficient data to calculate BHL's Price-To-Earnings Fair Ratio for valuation analysis.


Share Price vs Fair Value

What is the Fair Price of BHL when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: BHL (TND1.67) is trading above our estimate of fair value (TND0.94)

Significantly Below Fair Value: BHL is trading above our estimate of fair value.


Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

Analyst Forecast: Insufficient data to show price forecast.


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Future Growth

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

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


4.9%

Forecasted annual earnings growth

Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

Earnings vs Savings Rate: BHL's forecast earnings growth (4.9% per year) is below the savings rate (8.9%).

Earnings vs Market: BHL's earnings (4.9% per year) are forecast to grow slower than the TN market (6.4% per year).

High Growth Earnings: BHL's earnings are forecast to grow, but not significantly.

Revenue vs Market: BHL's revenue (1.5% per year) is forecast to grow slower than the TN market (7.8% per year).

High Growth Revenue: BHL's revenue (1.5% per year) is forecast to grow slower than 20% per year.


Earnings per Share Growth Forecasts


Future Return on Equity

Future ROE: BHL's Return on Equity is forecast to be low in 3 years time (4.1%).


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Past Performance

How has BH Leasing Société Anonyme performed over the past 5 years?

Past Performance Score

2/6

Past Performance Score 2/6

  • Quality Earnings

  • Growing Profit Margin

  • Earnings Trend

  • Accelerating Growth

  • Earnings vs Industry

  • High ROE


-1.4%

Historical annual earnings growth

Earnings and Revenue History

Quality Earnings: BHL has high quality earnings.

Growing Profit Margin: BHL's current net profit margins (12.6%) are lower than last year (28.9%).


Past Earnings Growth Analysis

Earnings Trend: BHL has become profitable over the past 5 years, growing earnings by -1.4% per year.

Accelerating Growth: BHL's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: BHL had negative earnings growth (-55.2%) over the past year, making it difficult to compare to the Real Estate industry average (16.2%).


Return on Equity

High ROE: BHL's Return on Equity (4.1%) is considered low.


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Financial Health

How is BH Leasing Société Anonyme's financial position?

Financial Health Score

2/6

Financial Health Score 2/6

  • Short Term Liabilities

  • Long Term Liabilities

  • Debt Level

  • Reducing Debt

  • Debt Coverage

  • Interest Coverage

Financial Position Analysis

Short Term Liabilities: BHL's short term assets (TND264.3M) exceed its short term liabilities (TND176.4M).

Long Term Liabilities: BHL's short term assets (TND264.3M) exceed its long term liabilities (TND65.6M).


Debt to Equity History and Analysis

Debt Level: BHL's net debt to equity ratio (659.4%) is considered high.

Reducing Debt: BHL's debt to equity ratio has increased from 635.5% to 696.1% over the past 5 years.

Debt Coverage: BHL's debt is not well covered by operating cash flow (2.6%).

Interest Coverage: Insufficient data to determine if BHL's interest payments on its debt are well covered by EBIT.


Balance Sheet


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Dividend

What is BH Leasing Société Anonyme 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

  • Cash Flow Coverage

Dividend Yield vs Market

BH Leasing Société Anonyme Dividend Yield vs Market
How does BH Leasing Société Anonyme dividend yield compare to the market?
SegmentDividend Yield
Company (BH Leasing Société Anonyme)0%
Market Bottom 25% (TN)3.5%
Market Top 25% (TN)6.2%
Industry Average (Real Estate)6.6%
Analyst forecast in 3 Years (BH Leasing Société Anonyme)n/a

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

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

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


Earnings Payout to Shareholders

Earnings Coverage: BHL is not paying a notable dividend for the TN market.


Cash Payout to Shareholders

Cash Flow Coverage: Unable to calculate sustainability of dividends as BHL has not reported any payouts.


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Management

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


CEO

Najet Chabchoub

2.5yrs

Tenure

Ms. Najet Chabchoub serves as Chief Executive Officer of BH Leasing Société Anonyme since March 23, 2020. She served as Representative Director at Tunisian Foreign Bank until July 21, 2020.


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

What is the ownership structure of BHL?
Owner TypeNumber of SharesOwnership Percentage

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.

Company Information

BH Leasing Société Anonyme's employee growth, exchange listings and data sources


Key Information

  • Name: BH Leasing Société Anonyme
  • Ticker: BHL
  • Exchange: BVMT
  • Founded: 1997
  • Industry: Real Estate Operating Companies
  • Sector: Real Estate
  • Implied Market Cap: د.ت11.690m
  • Shares outstanding: 7.00m
  • Website: https://www.bhleasing.com.tn

Location

  • BH Leasing Société Anonyme
  • BH Assurance Building
  • Zohra FAIZA Street
  • Tunis
  • 1082
  • Tunisia


Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
BHLBVMT (Bourse des Valeurs Mobilieres)YesCommon SharesTNTNDDec 2010
ML15BVMT (Bourse des Valeurs Mobilieres)TND5 (B/R UNLD 25/05/2045)TNTNDNov 2020

Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2022/09/29 00:00
End of Day Share Price2022/09/29 00:00
Earnings2022/06/30
Annual Earnings2021/12/31


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.