Yetu Microfinance Bank PLC provides banking and financial products and services in Tanzania.
Price History & Performance
|Historical stock prices|
|Current Share Price||TSh550.00|
|52 Week High||TSh550.00|
|52 Week Low||TSh550.00|
|1 Month Change||0%|
|3 Month Change||n/a|
|1 Year Change||n/a|
|3 Year Change||n/a|
|5 Year Change||-8.33%|
|Change since IPO||-8.33%|
Recent News & Updates
|YETU||TZ Banks||TZ Market|
Return vs Industry: Insufficient data to determine how YETU performed against the TZ Banks industry.
Return vs Market: Insufficient data to determine how YETU performed against the TZ Market.
Stable Share Price: Insufficient data to determine YETU's volatility over the past 3 months.
Volatility Over Time: Insufficient data to determine YETU's volatility change over the past year.
About the Company
Yetu Microfinance Bank PLC provides banking and financial products and services in Tanzania. It offers bank accounts, loan services, ATM services, and motor vehicle insurance services, as well as mobile banking services. The company was formerly known as Yetu Microfinance PLC and changed its name to Yetu Microfinance Bank PLC in October 2014.
Yetu Microfinance Bank Fundamentals Summary
|YETU fundamental statistics|
Is YETU overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|YETU income statement (TTM)|
|Cost of Revenue||TSh0|
Last Reported Earnings
Sep 30, 2020
Next Earnings Date
|Earnings per share (EPS)||-12.07|
|Net Profit Margin||-3.65%|
How did YETU perform over the long term?See historical performance and comparison
6.4%Current Dividend Yield
Is Yetu Microfinance Bank undervalued compared to its fair value and its price relative to the market?
Price to Book (PB) ratio
Share Price vs. Fair Value
Below Fair Value: YETU (TZS550) is trading above our estimate of fair value (TZS53.43)
Significantly Below Fair Value: YETU is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: YETU is unprofitable, so we can't compare its PE Ratio to the TZ Banks industry average.
PE vs Market: YETU is unprofitable, so we can't compare its PE Ratio to the TZ market.
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate YETU's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: YETU's PB Ratio (0.8x) is in line with the TZ Banks industry average.
How is Yetu Microfinance Bank forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
Forecasted Banks 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 Yetu Microfinance Bank 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.
How has Yetu Microfinance Bank performed over the past 5 years?
Last years earnings growth
Earnings and Revenue History
Quality Earnings: YETU is currently unprofitable.
Growing Profit Margin: YETU is currently unprofitable.
Past Earnings Growth Analysis
Earnings Trend: Insufficient data to determine if YETU's year-on-year earnings growth rate was positive over the past 5 years.
Accelerating Growth: Unable to compare YETU's earnings growth over the past year to its 5-year average as it is currently unprofitable
Earnings vs Industry: YETU is unprofitable, making it difficult to compare its past year earnings growth to the Banks industry (11%).
Return on Equity
High ROE: YETU has a negative Return on Equity (-1.74%), as it is currently unprofitable.
How is Yetu Microfinance Bank's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: YETU's Assets to Equity ratio (2.3x) is low.
Allowance for Bad Loans: YETU has a sufficient allowance for bad loans (113%).
Low Risk Liabilities: 70% of YETU's liabilities are made up of primarily higher risk sources of funding.
Loan Level: YETU has an appropriate level of Loans to Assets ratio (67%).
Low Risk Deposits: YETU's Loans to Deposits ratio (393%) is high.
Level of Bad Loans: YETU has a high level of bad loans (5.1%).
What is Yetu Microfinance Bank current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: YETU's dividend (6.36%) is higher than the bottom 25% of dividend payers in the TZ market (1.97%).
High Dividend: YETU's dividend (6.36%) is low compared to the top 25% of dividend payers in the TZ market (8.2%).
Stability and Growth of Payments
Stable Dividend: Too early to tell whether YETU's dividend payments have been stable as they only just started paying a dividend.
Growing Dividend: Too early to tell if YETU'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: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.
How experienced are the management team and are they aligned to shareholders interests?
Average board tenure
Altemius Millinga (59 yo)
Mr. Altemius Ambros Millinga serves as Chief Executive Officer of Yetu Microfinance Bank PLC (formerly known as Yetu Microfinance PLC) and has been its In-Charge since 1998. Mr. Millinga served as Managing...
Experienced Board: YETU's board of directors are considered experienced (4.7 years average tenure).
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.
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Yetu Microfinance Bank PLC's employee growth, exchange listings and data sources
- Name: Yetu Microfinance Bank PLC
- Ticker: YETU
- Exchange: DAR
- Founded: 1997
- Industry: Diversified Banks
- Sector: Banks
- Market Cap: TSh6.662b
- Shares outstanding: 12.11m
- Website: https://www.yetumfplc.co.tz
Number of Employees
- Yetu Microfinance Bank PLC
- Mkunazini Building
- 2nd Floor
- Dar es Salaam
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/10/17 15:01|
|End of Day Share Price||2021/10/15 00:00|
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.