OTCPK:FBGR.F

Stock Analysis Report

Executive Summary

Finbond Group Limited operates as a financial services institution.

Snowflake

Fundamentals

Proven track record average dividend payer.

Share Price & News

How has Finbond Group's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

0%

FBGR.F

1.1%

US Mortgage

1.0%

US Market


1 Year Return

n/a

FBGR.F

12.9%

US Mortgage

6.7%

US Market


Share holder returns

FBGR.FIndustryMarket
7 Day0%1.1%1.0%
30 Day0%-0.5%-1.8%
90 Dayn/a2.3%-1.8%
1 Yearn/a15.4%12.9%9.1%6.7%
3 Yearn/a40.4%30.9%46.0%36.6%
5 Yearn/a68.9%51.2%66.9%48.6%

Price Volatility Vs. Market

How volatile is Finbond Group's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is Finbond Group undervalued based on future cash flows and its price relative to the stock market?

20.92x

Price to Earnings (PE) ratio


Intrinsic Value Based on Future Cash Flows

Information is not available.

Information is not available.


Price Based on Earnings

Information is not available.

Information is not available.


Price Based on Expected Growth

Information is not available.


Price Based on Value of Assets

Information is not available.


Next Steps

Future Growth

How is Finbond Group expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

-6.4%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Information is not available.

Information is not available.

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

Information is not available.

Information is not available.


Earnings per Share Growth Estimates


Future Return on Equity

Information is not available.


Next Steps

Past Performance

How has Finbond Group performed over the past 5 years?

43.8%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Information is not available.

Information is not available.

Information is not available.


Return on Equity

Information is not available.


Return on Assets

Information is not available.


Return on Capital Employed

Information is not available.


Next Steps

Financial Health

How is Finbond Group's financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet

Information is not available.

Information is not available.


Financial Institutions Analysis

Asset Level: FBGR.F's level of assets compared to its equity is low.

Allowance for Bad Loans: Insufficient data to determine if FBGR.F has a sufficient allowance for bad loans.

Low Risk Liabilities: FBGR.F reports no customer deposits, loans are made up entirely of externally borrowed funds.

Loan Level: Insufficient data to determine if FBGR.F has an acceptable proportion of non-loan assets held.

Low Risk Deposits: FBGR.F has advanced significantly more loans than the customer deposits it holds.

Level of Bad Loans: Insufficient data to determine if FBGR.F has an appropriate level of bad loans.


Next Steps

Dividend

What is Finbond Group's current dividend yield, its reliability and sustainability?

1.62%

Current Dividend Yield


Dividend Yield vs Market

company1.6%marketbottom25%1.5%markettop25%3.8%industryaverage2.2%forecastin3Yearsn/a

Current dividend yield vs market & industry


Dividend Yield and Payments Analysis

Information is not available.

Information is not available.

Stable Dividend: FBGR.F's dividends per share have been stable in the past 10 years.

Information is not available.


Current Payout to Shareholders

Information is not available.


Future Payout to Shareholders

Information is not available.


Next Steps

Management

What is the CEO of Finbond Group's salary, the management and board of directors tenure and is there insider trading?

2.9yrs

Average board tenure


CEO

Willie Van Aardt (45yo)

0yrs

Tenure

SAR33,106,000

Compensation

Dr. Willem Van Aardt, also known as Willie, B. Proc (Cum Laude), LLM, LLD, QLTT (UK) serves as the Chief Executive Officer of Finbond Mutual Bank and Finbond Group Limited. Dr. Van Aardt founded Finbond in ...


CEO Compensation Analysis

Information is not available.

Information is not available.


Board Age and Tenure

2.9yrs

Average Tenure

58yo

Average Age

Information is not available.


Insider Trading

Information is not available.


Ownership Breakdown


Management Team

  • Willie Van Aardt (45yo)

    CEO & Executive Director

    • Tenure: 0yrs
    • Compensation: SAR33.11m
  • Greg Labuschagne

    CFO & Financial Director

    • Tenure: 0.08yrs
    • Compensation: SAR314.74k
  • Carel van Heerden (37yo)

    Chief Operating Officer

    • Tenure: 2.9yrs
    • Compensation: SAR12.01m
  • Fabian Manuel

    Chief Technology Officer

    • Tenure: 0yrs
  • Hannes Cloete

    Head of Compliance

    • Tenure: 0yrs
  • Gavin Davis

    Head of Human Capital Development

    • Tenure: 0yrs
  • Marthinus Vermaak

    Chief Business Officer

    • Tenure: 0yrs
  • Rudi Hinze

    Head of Legal

    • Tenure: 0yrs
  • Juanita Caroto

    Head of Finance - Microcredit

    • Tenure: 0yrs
  • Calvin Stoltz

    Head of Enterprise Risk

    • Tenure: 0yrs

Board Members

  • Herman Kotzé (48yo)

    Non-Executive Director

    • Tenure: 2.7yrs
  • Malesela Clement Motlatla (77yo)

    Independent Non-Executive Chairman

    • Tenure: 0yrs
    • Compensation: SAR558.00k
  • Willie Van Aardt (45yo)

    CEO & Executive Director

    • Tenure: 0yrs
    • Compensation: SAR33.11m
  • Ina Wilken-Jonker (71yo)

    Non-Executive Director

    • Tenure: 0yrs
    • Compensation: SAR1.56m
  • Neville Melville (63yo)

    Independent Non-Executive Director

    • Tenure: 6.9yrs
    • Compensation: SAR440.00k
  • Danie Brits (68yo)

    Independent Non- Executive Director

    • Tenure: 5.3yrs
    • Compensation: SAR765.00k
  • Rosetta Xaba (53yo)

    Independent Non-Executive Director

    • Tenure: 0yrs
    • Compensation: SAR431.00k
  • Carel van Heerden (37yo)

    Chief Operating Officer

    • Tenure: 2.9yrs
    • Compensation: SAR12.01m
  • Pieter Naude

    Independent Non-Executive Director

    • Tenure: 0.5yrs

Company Information

Finbond Group Limited's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Finbond Group Limited
  • Ticker: FBGR.F
  • Exchange: OTCPK
  • Founded: 2001
  • Industry: Thrifts and Mortgage Finance
  • Sector: Banks
  • Market Cap: SAR5.542b
  • Listing Market Cap: SAR385.741m
  • Shares outstanding: 923.73m
  • Website: https://www.finbondlimited.co.za

Number of Employees


Location

  • Finbond Group Limited
  • Rigel Park
  • 446 Rigel Avenue South
  • Pretoria
  • Gauteng
  • 181
  • South Africa

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
FGLJSE (The Johannesburg Securities Exchange)YesOrdinary SharesZAZARJun 2007
FBGR.FOTCPK (Pink Sheets LLC)YesOrdinary SharesUSUSDJun 2007

Biography

Finbond Group Limited operates as a financial services institution. The company offers short-term unsecured lending, transactional banking, and secured lending services, as well as insurance, and savings a ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2018/12/29 00:50
End of Day Share Price2018/10/01 00:00
Earnings2018/08/31
Annual Earnings2018/02/28


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.

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