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BHL

BH Leasing Société AnonymeBVMT:BHL Stock Report

Market Cap

د.ت9.4m

7D

0.8%

1Y

2.3%

Updated

17 Oct, 2021

Data

Company Financials +
BHL fundamental analysis
Snowflake Score
Valuation5/6
Future Growth0/6
Past Performance3/6
Financial Health2/6
Dividends0/6

BHL Overview

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

Price History & Performance

Summary of all time highs, changes and price drops for BH Leasing Société Anonyme
Historical stock prices
Current Share Priceد.ت1.34
52 Week Highد.ت1.21
52 Week Lowد.ت1.82
Beta-0.14
1 Month Change-6.29%
3 Month Changen/a
1 Year Change2.29%
3 Year Change-54.27%
5 Year Change-65.46%
Change since IPO-86.04%

Recent News & Updates

Shareholder Returns

BHLTN Real EstateTN Market
7D0.8%-1.5%-0.5%
1Y2.3%34.5%0.07%

Return vs Industry: BHL underperformed the TN Real Estate industry which returned 33.3% over the past year.

Return vs Market: BHL exceeded the TN Market which returned 0.1% over the past year.

Price Volatility

Is BHL's price volatile compared to industry and market?
BHL volatility
BHL Beta-0.14
Industry Beta0.83
Market Beta1

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

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

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.ت9.38m
Earnings (TTM)د.ت2.85m
Revenue (TTM)د.ت9.87m

3.3x

P/E Ratio

1.0x

P/S Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
BHL income statement (TTM)
Revenueد.ت9.87m
Cost of Revenueد.ت284.11k
Gross Profitد.ت9.59m
Expensesد.ت6.74m
Earningsد.ت2.85m

Last Reported Earnings

Jun 30, 2021

Next Earnings Date

n/a

Earnings per share (EPS)0.41
Gross Margin97.12%
Net Profit Margin28.87%
Debt/Equity Ratio761.7%

How did BHL perform over the long term?

See historical performance and comparison

Valuation

Is BH Leasing Société Anonyme undervalued compared to its fair value and its price relative to the market?

>50%

Undervalued compared to fair value


Share Price vs. Fair Value

Below Fair Value: BHL (TND1.34) is trading below our estimate of fair value (TND20.86)

Significantly Below Fair Value: BHL is trading below fair value by more than 20%.


Price To Earnings Ratio

PE vs Industry: BHL is good value based on its PE Ratio (3.3x) compared to the African Real Estate industry average (14.7x).

PE vs Market: BHL is good value based on its PE Ratio (3.3x) compared to the TN market (11.9x).


Price to Earnings Growth Ratio

PEG Ratio: BHL's earnings are forecast to decline next year, so we can't calculate its PEG ratio.


Price to Book Ratio

PB vs Industry: BHL is good value based on its PB Ratio (0.3x) compared to the XF Real Estate industry average (1x).


Future Growth

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

-19.2%

Forecasted annual earnings growth


Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

Earnings vs Savings Rate: BHL's earnings are forecast to decline over the next 3 years (-19.2% per year).

Earnings vs Market: BHL's earnings are forecast to decline over the next 3 years (-19.2% per year).

High Growth Earnings: BHL's earnings are forecast to decline over the next 3 years.

Revenue vs Market: BHL's revenue (6.8% per year) is forecast to grow slower than the TN market (7.5% per year).

High Growth Revenue: BHL's revenue (6.8% 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 (3.4%).


Past Performance

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

-37.0%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: BHL has high quality earnings.

Growing Profit Margin: BHL became profitable in the past.


Past Earnings Growth Analysis

Earnings Trend: BHL has become profitable over the past 5 years, growing earnings by -37% per year.

Accelerating Growth: BHL has become profitable in the last year, making the earnings growth rate difficult to compare to its 5-year average.

Earnings vs Industry: BHL has become profitable in the last year, making it difficult to compare its past year earnings growth to the Real Estate industry (-1.9%).


Return on Equity

High ROE: BHL's Return on Equity (9.6%) is considered low.


Financial Health

How is BH Leasing Société Anonyme's financial position?


Financial Position Analysis

Short Term Liabilities: BHL's short term assets (TND281.5M) exceed its short term liabilities (TND171.8M).

Long Term Liabilities: BHL's short term assets (TND281.5M) exceed its long term liabilities (TND89.0M).


Debt to Equity History and Analysis

Debt Level: BHL's debt to equity ratio (761.7%) is considered high.

Reducing Debt: BHL's debt to equity ratio has increased from 479% to 761.7% over the past 5 years.

Debt Coverage: BHL's debt is not well covered by operating cash flow (16.6%).

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


Balance Sheet


Dividend

What is BH Leasing Société Anonyme current dividend yield, its reliability and sustainability?


Dividend Yield vs Market

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.


Current Payout to Shareholders

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


Future Payout to Shareholders

Future Dividend Coverage: No need to calculate the sustainability of BHL'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

Najet Chabchoub

1.58yrs

Tenure

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


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

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
  • Market Cap: د.ت9.380m
  • 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


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2021/10/17 15:01
End of Day Share Price2021/10/14 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.