OTCPK:YBRH.F

Stock Analysis Report

Yellow Brick Road Holdings

Executive Summary

Yellow Brick Road Holdings Limited provides lending services in Australia.

Snowflake

Fundamentals

Overvalued with worrying balance sheet.

Risks

  • Yellow Brick Road Holdings is not covered by any analysts.

Similar Companies

Share Price & News

How has Yellow Brick Road Holdings's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

0%

OTCPK:YBRH.F

-0.3%

US Mortgage

-1.0%

US Market


1 Year Return

n/a

OTCPK:YBRH.F

-0.7%

US Mortgage

-0.4%

US Market

No trading data on YBRH.F.

No trading data on YBRH.F.


Share holder returns

YBRH.FIndustryMarket
7 Day0%-0.3%-1.0%
30 Day0%-2.0%-3.3%
90 Day0%-1.0%0.8%
1 Yearn/a1.3%-0.7%1.9%-0.4%
3 Yearn/a33.4%24.5%39.4%30.4%
5 Year-93.7%-93.7%57.5%41.1%54.2%37.1%

Price Volatility Vs. Market

How volatile is Yellow Brick Road Holdings's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is Yellow Brick Road Holdings undervalued based on future cash flows and its price relative to the stock market?

0.5x

Price to Book (PB) ratio


Intrinsic Value Based on Future Cash Flows

Unable to calculate intrinsic value for Yellow Brick Road Holdings to establish if it is available at moderate discount.

Unable to calculate intrinsic value for Yellow Brick Road Holdings to establish if it is available at substantial discount.


Price Based on Earnings

Yellow Brick Road Holdings is loss making, we can't compare its value to the US Mortgage industry average.

Yellow Brick Road Holdings is loss making, we can't compare the value of its earnings to the United States of America market.


Price Based on Expected Growth

Unable to calculate PEG ratio for Yellow Brick Road Holdings, we can't assess if its growth is good value.


Price Based on Value of Assets

Yellow Brick Road Holdings is good value based on assets compared to the US Mortgage industry average.


Next Steps

Future Growth

How is Yellow Brick Road Holdings expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

9.3%

Forecasted Mortgage 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 Yellow Brick Road Holdings 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.


Next Steps

  • Take a look at our analysis of YBRH.F’s management and see if the CEO’s compensation is within a reasonable range, who is on the board and if insiders have been trading lately.
  • While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on the OTC Markets Website. If you are looking for more of a qualitative research into the company, you can access Yellow Brick Road Holdings's filings and announcements here.
  • Explore growth companies in the banks industry.

Past Performance

How has Yellow Brick Road Holdings performed over the past 5 years?

-9.8%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Yellow Brick Road Holdings does not make a profit and their year on year earnings growth rate was negative over the past 5 years.

Unable to compare Yellow Brick Road Holdings's 1-year earnings growth to the 5-year average as it is not currently profitable.

Unable to compare Yellow Brick Road Holdings's 1-year growth to the US Mortgage industry average as it is not currently profitable.


Return on Equity

It is difficult to establish if Yellow Brick Road Holdings has efficiently used shareholders’ funds last year (Return on Equity greater than 20%) as it is loss-making.


Return on Assets

It is difficult to establish if Yellow Brick Road Holdings has efficiently used its assets last year compared to the US Mortgage industry average (Return on Assets) as it is loss-making.


Return on Capital Employed

It is difficult to establish if Yellow Brick Road Holdings improved its use of capital last year versus 3 years ago (Return on Capital Employed) as it is currently loss-making.


Next Steps

Financial Health

How is Yellow Brick Road Holdings'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


Financial Institutions Analysis

Unable to establish if Yellow Brick Road Holdings has an acceptable proportion of non-loan assets without balance sheet data.

Unable to establish if Yellow Brick Road Holdings has a sufficient allowance for bad loans without relevant financial data.

Unable to establish if Yellow Brick Road Holdings's liabilities are primarily made up of low risk funding sources without deposits or liabilities data.

Yellow Brick Road Holdings's level of assets compared to its equity is low (i.e. an appropriate level of borrowing to fund lending).

Yellow Brick Road Holdings reports no customer deposits, loans are made up entirely of borrowed funds.

Unable to establish if Yellow Brick Road Holdings has an acceptable level of bad loans without bad loans data.


Next Steps

Dividend

What is Yellow Brick Road Holdings's current dividend yield, its reliability and sustainability?


Dividend Yield and Payments Analysis

Unable to evaluate Yellow Brick Road Holdings's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.

Unable to evaluate Yellow Brick Road Holdings's dividend against the top 25% market benchmark as the company has not reported any payouts.

Unable to perform a dividend volatility check as Yellow Brick Road Holdings has not reported any payouts.

Unable to verify if Yellow Brick Road Holdings's dividend has been increasing as the company has not reported any payouts.


Current Payout to Shareholders

Unable to calculate sustainability of dividends as Yellow Brick Road Holdings has not reported any payouts.


Future Payout to Shareholders

Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.


Next Steps

Management

What is the CEO of Yellow Brick Road Holdings's salary, the management and board of directors tenure and is there insider trading?

1.9yrs

Average management tenure


CEO

Frank Ganis

0.8yrs

Tenure

AU$25,000

Compensation

Mr. Frank Ganis serves as Chief Executive Officer of Yellow Brick Road Holdings Limited since October 2018. He was instrumental in the restructuring, transformation and growth of the Australian mortgage in ...


Management Age and Tenure

1.9yrs

Average Tenure

The average tenure for the Yellow Brick Road Holdings management team is less than 2 years, this suggests a new team.


Insider Trading

No 3 month open market individual insider trading information.


Recent Insider Transactions

BuyUS$221,57701 Aug 19
Mercantile Investment Company Limited
EntityCompany
Shares4,597,410
Max PriceUS$0.048
BuyUS$169,45705 Dec 18
Mark Bouris
EntityIndividual
Role
Executive Chairman
Chairman of the Board
Shares2,317,995
Max PriceUS$0.073
BuyUS$320,16002 Nov 18
Christopher Ellison
EntityIndividual
Shares4,237,000
Max PriceUS$0.076

Ownership Breakdown


Management Team

  • Mark Bouris

    Executive Chairman

    • Compensation: A$897.08k
  • Richard Shaw

    CFO & Company Secretary

    • Tenure: 9.1yrs
    • Compensation: A$338.28k
  • Adam Youkhana

    General Manager of Wealth

    • Tenure: 2.9yrs
    • Compensation: A$327.83k
  • Clive Kirkpatrick

    General Manager of Lending

    • Tenure: 0.8yrs
    • Compensation: A$332.53k
  • Frank Ganis

    Chief Executive Officer

    • Tenure: 0.8yrs
    • Compensation: A$25.00k

Board Members

  • Mark Bouris

    Executive Chairman

    • Compensation: A$897.08k
  • Adrian Bouris

    Non-Executive Director

    • Tenure: 8.5yrs
    • Compensation: A$75.00k
  • John George

    Non-Executive Director

    • Tenure: 3.2yrs
    • Compensation: A$75.00k

Company Information

Yellow Brick Road Holdings Limited's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Yellow Brick Road Holdings Limited
  • Ticker: YBRH.F
  • Exchange: OTCPK
  • Founded: 2007
  • Industry: thrifts and mortgage finance
  • Sector: banks
  • Market Cap: AU$19.617m
  • Listing Market Cap: AU$13.242m
  • Shares outstanding: 284.30m
  • Website: Click here

Number of Employees


Location

  • Yellow Brick Road Holdings Limited
  • 1 Chifley Square
  • Level 11
  • Sydney
  • New South Wales
  • 2000
  • Australia

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
YBRASX (Australian Securities Exchange)YesOrdinary SharesAUAUDMay 2011
YBRCHIA (Chi-X Australia)YesOrdinary SharesAUAUDMay 2011
YBRH.FOTCPK (Pink Sheets LLC)YesOrdinary SharesUSUSDMay 2011

Biography

Yellow Brick Road Holdings Limited provides lending services in Australia. It operates through two segments, Lending and Wealth Management. The company offers mortgage broking, aggregation, and management  ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/15 01:06
End of Day Share Price2019/05/17 00:00
Earnings2018/12/31
Annual Earnings2018/06/30


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.