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Collection House

OTCPK:CLHS.F
Snowflake Description

6 star dividend payer and undervalued.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
CLHS.F
OTCPK
A$172M
Market Cap
  1. Home
  2. US
  3. Diversified Financials
Company description

Collection House Limited provides debt collection and receivables management services in Australia and New Zealand. The last earnings update was 117 days ago. More info.


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CLHS.F Share Price and Events
7 Day Returns
0%
OTCPK:CLHS.F
1.5%
US Consumer Finance
2.2%
US Market
1 Year Returns
-
OTCPK:CLHS.F
8.7%
US Consumer Finance
3.8%
US Market
CLHS.F Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
Collection House (CLHS.F) 0% 0% -2.1% - 17.3% -44.1%
US Consumer Finance 1.5% 2.4% 11.5% 8.7% 75.6% 27.9%
US Market 2.2% 4.2% 4.4% 3.8% 43% 40.9%
1 Year Return vs Industry and Market
  • No trading data on CLHS.F.
  • No trading data on CLHS.F.
Price Volatility
CLHS.F
Industry
5yr Volatility vs Market

Value

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

Value is all about what a company is worth versus what price it is available for. If you went into a grocery store and all the bananas were on sale at half price, they could be considered undervalued.
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
Here we compare the current share price of Collection House to its discounted cash flow analysis.value.

The discounted cash flow value is simply looking at what the company is worth today, based on estimates of how much money it is expected to make in the future.
Raw Data

Below are the data sources, inputs and calculation used to determine the intrinsic value for Collection House.

OTCPK:CLHS.F Discounted Cash Flow Data Sources
Data Point Source Value
Valuation Model Excess Returns Model
Stable EPS Weighted future Return on Equity estimates from 4 analysts.
= Stable Book Value * Return on Equity
= A$1.69 * 11.4%
A$0.19
Book Value of Equity per Share Weighted future Book Value estimates from 2 analysts. A$1.69
Discount Rate (Cost of Equity) See below 9.2%
Perpetual Growth Rate 10-Year US Government Bond Rate 2.7%

An important part of a discounted cash flow is the discount rate, below we explain how it has been calculated.

Calculation of Discount Rate/ Cost of Equity for OTCPK:CLHS.F
Data Point Calculation/ Source Result
Risk-Free Rate 10-Year US Govt Bond Rate 2.7%
Equity Risk Premium S&P Global 6%
Consumer Finance Unlevered Beta Simply Wall St/ S&P Global 0.7
Re-levered Beta = Unlevered beta (1 + (1- tax rate) (Debt/Equity))
= 0.696 (1 + (1- 30%) (88.92%))
1.087
Levered Beta Levered Beta limited to 0.8 to 2.0
(practical range for a stable firm)
1.09
Discount Rate/ Cost of Equity = Cost of Equity = Risk Free Rate + (Levered Beta * Equity Risk Premium)
= 2.73% + (1.087 * 5.96%)
9.21%

Discounted Cash Flow Calculation for OTCPK:CLHS.F using Excess Returns Model Model

The calculations below outline how an intrinsic value for Collection House is arrived at using the Excess Return Model. This approach is used for finance firms where free cash flow is difficult to estimate.

In the Excess Return Model the value of a firm can be written as the sum of capital invested currently in the firm and the present value of excess returns that the firm expects to make in the future.

The model is sensitive to the Return on Equity of the company versus the Cost of Equity, how these are calculated is detailed below the main calculation.

Note the calculations below are per share.

See our documentation to learn about this calculation.

OTCPK:CLHS.F Value of Excess Returns
Calculation Result
Excess Returns = (Stable Return on equity – Cost of equity) (Book Value of Equity per share)
= (11.4% – 9.21%) * A$1.69)
A$0.04
Terminal Value of Excess Returns = Excess Returns / (Cost of Equity - Expected Growth Rate)
= A$0.04 / (9.21% - 2.73%)
A$0.57
Value of Equity = Book Value per share + Terminal Value of Excess Returns
= A$1.69 + A$0.57
A$2.26
OTCPK:CLHS.F Discount to Share Price
Calculation Result
Non-primary Listing Adjustment Factor 1 share in OTCPK:CLHS.F represents 0.76613x of ASX:CLH
(This could be a different class, a depositary receipt, a different currency, or all of these things.)
0.76613x
Value per Share
(Listing Adjusted, USD)
= Value per Share (AUD) x Listing Adjustment Factor
= A$ 2.26 x 0.76613
$1.73
Value per share (USD) From above. $1.73
Current discount Discount to share price of $0.95
= -1 x ($0.95 - $1.73) / $1.73
45.2%

Learn more about our DCF calculations in Simply Wall St’s analysis model .

Current Discount
Amount off the current price Collection House is available for.
Intrinsic value
45%
Share price is $0.95 vs Future cash flow value of $1.73
Current Discount Checks
For Collection House to be considered undervalued it must be available for at least 20% below the current price. Less than 40% is even better.
  • Collection House's share price is below the future cash flow value, and at a moderate discount (> 20%).
  • Collection House's share price is below the future cash flow value, and at a substantial discount (> 40%).
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing when they are out of season, or how much your home is worth.

The amount the stock market is willing to pay for Collection House's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are Collection House's earnings available for a low price, and how does this compare to other companies in the same industry?
Raw Data
OTCPK:CLHS.F PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2018-12-31) in AUD A$0.19
ASX:CLH Share Price ** ASX (2019-03-26) in AUD A$1.24
United States of America Consumer Finance Industry PE Ratio Median Figure of 29 Publicly-Listed Consumer Finance Companies 9.37x
United States of America Market PE Ratio Median Figure of 3,094 Publicly-Listed Companies 17.87x

* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.

** Primary Listing of Collection House.

OTCPK:CLHS.F PE (Price to Earnings) Ratio Calculation
Calculation Outcome
PE Ratio

= ASX:CLH Share Price ÷ EPS (both in AUD)

= 1.24 ÷ 0.19

6.42x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Collection House is good value based on earnings compared to the US Consumer Finance industry average.
  • Collection House is good value based on earnings compared to the United States of America market.
Price based on expected Growth
Does Collection House's expected growth come at a high price?
Raw Data
OTCPK:CLHS.F PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section 6.42x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 4 Analysts
3.7%per year
United States of America Consumer Finance Industry PEG Ratio Median Figure of 24 Publicly-Listed Consumer Finance Companies 0.65x
United States of America Market PEG Ratio Median Figure of 2,134 Publicly-Listed Companies 1.54x

*Line of best fit is calculated by linear regression .

OTCPK:CLHS.F PEG (Price to Earnings to Growth) Ratio Calculation
Calculation Outcome
PEG Ratio

= PE Ratio ÷ Net Income Annual Growth Rate

= 6.42x ÷ 3.7%

1.75x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Collection House is poor value based on expected growth next year.
Price based on value of assets
What value do investors place on Collection House's assets?
Raw Data
OTCPK:CLHS.F PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2018-12-31) in AUD A$1.53
ASX:CLH Share Price * ASX (2019-03-26) in AUD A$1.24
United States of America Consumer Finance Industry PB Ratio Median Figure of 40 Publicly-Listed Consumer Finance Companies 1.35x
United States of America Market PB Ratio Median Figure of 5,255 Publicly-Listed Companies 1.81x
OTCPK:CLHS.F PB (Price to Book) Ratio Calculation
Calculation Outcome
PB Ratio

= ASX:CLH Share Price ÷ Book Value per Share (both in AUD)

= 1.24 ÷ 1.53

0.81x

* Primary Listing of Collection House.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Collection House is good value based on assets compared to the US Consumer Finance industry average.
X
Value checks
We assess Collection House's value by looking at:
  1. Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
  2. Is the PE ratio less than the market average, and/ or less than the Consumer Finance industry average (and greater than 0)? (2 checks)
  3. Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
  4. Is the PB ratio less than the Consumer Finance industry average (and greater than 0)? (1 check)
  5. Collection House has a total score of 5/6, see the detailed checks below.

    Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.

    Full details on the Value part of the Simply Wall St company analysis model.

Future Performance

 How is Collection House expected to perform in the next 1 to 3 years based on estimates from 4 analysts?

The future performance of a company is measured in the same way as past performance, by looking at estimated growth and how much profit it is expected to make.

Future estimates come from professional analysts. Just like forecasting the weather, they don’t always get it right!
Annual Growth Rate
3.7%
Expected annual growth in earnings.
Earnings growth vs Low Risk Savings
Is Collection House expected to grow at an attractive rate?
  • Collection House's earnings growth is expected to exceed the low risk savings rate of 2.7%.
Growth vs Market Checks
  • Collection House's earnings growth is positive but not above the United States of America market average.
  • Collection House's revenue growth is positive but not above the United States of America market average.
Annual Growth Rates Comparison
Raw Data
OTCPK:CLHS.F Future Growth Rates Data Sources
Data Point Source Value (per year)
OTCPK:CLHS.F Future Earnings Growth Rate Line of Best Fit* through Consensus Estimate Earnings of 4 Analysts 3.7%
OTCPK:CLHS.F Future Revenue Growth Rate Line of Best Fit* through Consensus Estimate Revenue of 4 Analysts 7%
United States of America Consumer Finance Industry Earnings Growth Rate Market Cap Weighted Average 5.3%
United States of America Consumer Finance Industry Revenue Growth Rate Market Cap Weighted Average 7.7%
United States of America Market Earnings Growth Rate Market Cap Weighted Average 14%
United States of America Market Revenue Growth Rate Market Cap Weighted Average 7.4%

*Line of best fit is calculated by linear regression .

Industry and Market average data is calculated daily.

Learn more about our growth rate calculations in Simply Wall St’s analysis model.

Analysts growth expectations
Raw Data
OTCPK:CLHS.F Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (5 months ago) See Below
Future Estimates Average of up to 4 Analyst Estimates (S&P Global) See Below
All numbers in AUD Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
OTCPK:CLHS.F Future Estimates Data
Date (Data in AUD Millions) Revenue Cash Flow Net Income * Avg. No. Analysts
2021-06-30 168 101 28 3
2020-06-30 162 93 28 4
2019-06-30 145 82 26 4
OTCPK:CLHS.F Past Financials Data
Date (Data in AUD Millions) Revenue Cash Flow Net Income *
2018-12-31 146 87 26
2018-09-30 145 87 26
2018-06-30 144 86 26
2018-03-31 137 75 22
2017-12-31 131 65 17
2017-09-30 132 63 17
2017-06-30 133 62 17
2017-03-31 134 71 18
2016-12-31 134 80 18
2016-09-30 133 82 18
2016-06-30 133 84 19
2016-03-31 130 79 19

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • Collection House's earnings are expected to grow by 3.7% yearly, however this is not considered high growth (20% yearly).
  • Collection House's revenue is expected to grow by 7% yearly, however this is not considered high growth (20% yearly).
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can be gauged below. We look back 3 years and see if they were any good at predicting what actually occurred. We also show the highest and lowest estimates looking forward to see if there is a wide range.
Raw Data
OTCPK:CLHS.F Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (5 months ago) See Below
Future Estimates Average of up to 4 Analyst Estimates (S&P Global) See Below

All data from Collection House Company Filings, last reported 5 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

OTCPK:CLHS.F Future Estimates Data
Date (Data in AUD Millions) EPS * EPS High Estimate EPS Low Estimate Avg. No. Analysts
2021-06-30 0.19 0.21 0.19 3.00
2020-06-30 0.19 0.20 0.18 3.00
2019-06-30 0.18 0.19 0.17 3.00
OTCPK:CLHS.F Past Financials Data
Date (Data in AUD Millions) EPS *
2018-12-31 0.19
2018-09-30 0.19
2018-06-30 0.19
2018-03-31 0.16
2017-12-31 0.13
2017-09-30 0.13
2017-06-30 0.13
2017-03-31 0.13
2016-12-31 0.14
2016-09-30 0.14
2016-06-30 0.14
2016-03-31 0.14

*GAAP earnings excluding extraordinary items.

Performance in 3 years
In the same way as past performance we look at the future estimated return (profit) compared to the available funds. We do this looking forward 3 years.
  • Collection House is not expected to efficiently use shareholders’ funds in the future (Return on Equity less than 20%).
X
Future performance checks
We assess Collection House's future performance by looking at:
  1. Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
  2. Is the annual earnings growth rate expected to beat the average growth rate in earnings of the United States of America market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the United States of America market? (1 check)
  4. Is the annual earnings growth rate expected to be above 20%? (1 check)
  5. Is the annual revenue growth rate expected to be above 20%? (1 check)
  6. Is the Return on Equity in 3 years expected to be over 20%? (1 check)
Some of the above checks will fail if the company is expected to be loss making in the relevant year.
Collection House has a total score of 1/6, see the detailed checks below.

Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.

Full details on the Future part of the Simply Wall St company analysis model.

Past Performance

  How has Collection House performed over the past 5 years?

The past performance of a company can be measured by how much growth it has experienced and how much profit it makes relative to the funds and assets it has available.
Past earnings growth
Below we compare Collection House's growth in the last year to its industry (Consumer Finance).
Past Earnings growth analysis
We also check if the company has grown in the past 5 years, and whether it has maintained that growth in the year.
  • Collection House's year on year earnings growth rate has been positive over the past 5 years.
  • Collection House's 1-year earnings growth exceeds its 5-year average (51.4% vs 4.5%)
  • Collection House's earnings growth has exceeded the US Consumer Finance industry average in the past year (51.4% vs 36.4%).
Earnings and Revenue History
Collection House's revenue and profit over the past 5 years is shown below, any years where they have experienced a loss will show up in red.
Raw Data

All data from Collection House Company Filings, last reported 5 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

OTCPK:CLHS.F Past Revenue, Cash Flow and Net Income Data
Date (Data in AUD Millions) Revenue Net Income * G+A Expenses R&D Expenses
2018-12-31 146.44 26.39 7.89
2018-09-30 145.15 26.26 7.78
2018-06-30 143.86 26.12 7.67
2018-03-31 137.33 21.78 7.66
2017-12-31 130.81 17.43 7.65
2017-09-30 132.11 17.41 7.96
2017-06-30 133.42 17.39 8.27
2017-03-31 133.80 17.91 7.84
2016-12-31 134.18 18.44 7.41
2016-09-30 133.44 18.50 6.92
2016-06-30 132.69 18.56 6.42
2016-03-31 129.76 19.10 6.45
2015-12-31 126.82 19.64 6.48
2015-09-30 126.43 21.06 6.28
2015-06-30 126.04 22.48 6.09
2015-03-31 122.58 21.49 5.74
2014-12-31 119.12 20.49 5.40
2014-09-30 113.23 19.60 5.04
2014-06-30 107.34 18.71 4.69
2014-03-31 104.67 17.81 4.72
2013-12-31 102.00 16.92 4.74
2013-09-30 99.66 16.27 4.56
2013-06-30 97.31 15.61 4.39
2013-03-31 94.68 15.00 4.08
2012-12-31 92.06 14.39 3.78
2012-09-30 90.60 13.54 3.78
2012-06-30 89.14 12.68 3.78

*GAAP earnings excluding extraordinary items.

Performance last year
We want to ensure a company is making the most of what it has available. This is done by comparing the return (profit) to a company's available funds, assets and capital.
  • Collection House has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
  • Collection House used its assets more efficiently than the US Consumer Finance industry average last year based on Return on Assets.
  • Collection House has improved its use of capital last year versus 3 years ago (Return on Capital Employed).
X
Past performance checks
We assess Collection House's performance over the past 5 years by checking for:
  1. Has earnings increased in past 5 years? (1 check)
  2. Has the earnings growth in the last year exceeded that of the Consumer Finance industry? (1 check)
  3. Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
  4. Is the Return on Equity (ROE) higher than 20%? (1 check)
  5. Is the Return on Assets (ROA) above industry average? (1 check)
  6. Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent earnings report. Some checks require at least 3 or 5 years worth of data.
Collection House has a total score of 5/6, see the detailed checks below.

Note: We use GAAP Net Income excluding extraordinary items in all our calculations.

Full details on the Past part of the Simply Wall St company analysis model.

Health

 How is Collection House's financial health and their level of debt?

A company's financial position is much like your own financial position, it includes everything you own (assets) and owe (liabilities).

The boxes below represent the relative size of what makes up Collection House's finances.

The net worth of a company is the difference between its assets and liabilities.
Net Worth
  • Collection House is able to meet its short term (1 year) commitments with its holdings of cash and other short term assets.
  • Collection House's long term commitments exceed its cash and other short term assets.
Balance sheet
This treemap shows a more detailed breakdown of Collection House's finances. If any of them are yellow this indicates they may be out of proportion and red means they relate to one of the checks below.
Assets
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
  • Low level of unsold assets.
  • Debt is not covered by short term assets, assets are 0.5x debt.
Historical Debt
Nearly all companies have debt. Debt in itself isn’t bad, however if the debt is too high, or the company can’t afford to pay the interest on its debts this may have impacts in the future.

The graphic below shows equity (available funds) and debt, we ideally want to see the red area (debt) decreasing.

If there is any debt we look at the companies capability to repay it, and whether the level has increased over the past 5 years.
Raw Data

All data from Collection House Company Filings, last reported 5 months ago.

OTCPK:CLHS.F Past Debt and Equity Data
Date (Data in AUD Millions) Total Equity Total Debt Cash & Short Term Investments
2018-12-31 211.25 153.00 58.87
2018-09-30 211.25 153.00 58.87
2018-06-30 206.58 134.51 53.17
2018-03-31 206.58 134.51 53.17
2017-12-31 191.97 135.58 55.21
2017-09-30 191.97 135.58 55.21
2017-06-30 188.63 123.38 48.49
2017-03-31 188.63 123.38 48.49
2016-12-31 184.81 118.20 62.72
2016-09-30 184.81 118.20 62.72
2016-06-30 180.31 118.63 70.01
2016-03-31 180.31 118.63 70.01
2015-12-31 173.93 119.28 57.97
2015-09-30 173.93 119.28 57.97
2015-06-30 170.67 119.93 64.39
2015-03-31 170.67 119.93 64.39
2014-12-31 163.49 111.24 53.00
2014-09-30 163.49 111.24 53.00
2014-06-30 155.99 101.34 52.37
2014-03-31 155.99 101.34 52.37
2013-12-31 149.38 87.73 50.69
2013-09-30 149.38 87.73 50.69
2013-06-30 123.27 89.97 49.01
2013-03-31 123.27 89.97 49.01
2012-12-31 116.43 97.41 42.63
2012-09-30 116.43 97.41 42.63
2012-06-30 109.17 87.91 43.16
  • Collection House's level of debt (72.4%) compared to net worth is high (greater than 40%).
  • The level of debt compared to net worth has increased over the past 5 years (58.8% vs 72.4% today).
  • Debt is well covered by operating cash flow (57%, greater than 20% of total debt).
  • Interest payments on debt are well covered by earnings (EBIT is 7.1x coverage).
X
Financial health checks
We assess Collection House's financial health by checking for:
  1. Are short term assets greater than short term liabilities? (1 check)
  2. Are short term assets greater than long term liabilities? (1 check)
  3. Has the debt to equity ratio increased in the past 5 years? (1 check)
  4. Is the debt to equity ratio over 40%? (1 check)
  5. Is the debt covered by operating cash flow? (1 check)
  6. Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check)
  7. Collection House has a total score of 3/6, see the detailed checks below.
For companies that are loss making and have been so on average in the past we replace the last 2 checks with:
  1. Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
  2. Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)


Full details on the Health part of the Simply Wall St company analysis model.

Dividends

 What is Collection House's current dividend yield, its reliability and sustainability?

Dividends are regular cash payments to you from the company, similar to a bank paying you interest on a savings account.
Annual Dividend Income
Dividend payments
6.61%
Current annual income from Collection House dividends. Estimated to be 7.06% next year.
If you bought $2,000 of Collection House shares you are expected to receive $132 in your first year as a dividend.
Dividend Amount
Here we look how much dividend is being paid, if any. Is it above what you can get in a savings account? It is up there with the best dividend paying companies?
  • Collection House's pays a higher dividend yield than the bottom 25% of dividend payers in United States of America (1.44%).
  • Collection House's dividend is above the markets top 25% of dividend payers in United States of America (3.73%).
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not wildly increasing/decreasing each year. This graph shows you the historical rate to count toward your assessment of the stock.

We also check to see if the dividend has increased in the past 10 years.
Raw Data
OTCPK:CLHS.F Annualized Past and Future Dividends
Data Point Source Value
Past Annualized Dividend Yield S&P Global Market Data See Below
Past Dividends per Share Company Filings/ Annualized Dividend Payments See Below
Future Dividends per Share Estimates Average of up to 4 Analyst Estimates (S&P Global) See Below
United States of America Consumer Finance Industry Average Dividend Yield Market Cap Weighted Average of 14 Stocks 1.7%
United States of America Market Average Dividend Yield Market Cap Weighted Average of 2012 Stocks 2.4%
United States of America Minimum Threshold Dividend Yield 10th Percentile 0.8%
United States of America Bottom 25% Dividend Yield 25th Percentile 1.4%
United States of America Top 25% Dividend Yield 75th Percentile 3.7%

Industry and Market average data is calculated daily.

Note all dividend per share amounts are annualized and not quarterly or other period.

OTCPK:CLHS.F Future Dividends Estimate Data
Date (Data in A$) Dividend per Share (annual) Avg. No. Analysts
2021-06-30 0.09 3.00
2020-06-30 0.09 4.00
2019-06-30 0.08 4.00
OTCPK:CLHS.F Past Annualized Dividends Data
Date (Data in A$) Dividend per share (annual) Avg. Yield (%)
2019-03-29 0.082 6.485
2018-08-22 0.078 5.622
2018-02-27 0.078 5.391
2017-08-23 0.078 5.877
2017-02-20 0.078 6.042
2016-08-18 0.078 5.800
2016-02-17 0.086 7.617
2015-08-20 0.094 4.917
2015-02-11 0.088 3.876
2014-08-21 0.082 3.951
2014-02-12 0.078 4.203
2013-08-22 0.072 4.174
2013-01-31 0.072 4.510
2012-08-23 0.064 6.429
2012-02-23 0.064 7.791
2011-08-25 0.062 8.305
2011-02-24 0.062 8.964
2010-07-21 0.060 8.083
2010-02-25 0.054 7.197
2009-08-25 0.049 6.939

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Dividends per share have been stable in the past 10 years.
  • Dividends per share have increased over the past 10 years.
Current Payout to shareholders
What portion of Collection House's earnings are paid to the shareholders as a dividend.
  • Dividends paid are well covered by earnings (2.4x coverage).
Future Payout to shareholders
  • Dividends after 3 years are expected to be well covered by earnings (2x coverage).
X
Income/ dividend checks
We assess Collection House's dividend by checking for:
  1. Firstly is the company paying a notable dividend (greater than 0.8%) - if not then the rest of the checks are ignored.
  2. Is current dividend yield above the bottom 25% of dividend payers? (1 check)
  3. Is current dividend yield above the top 25% of dividend payers? (1 check)
  4. Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
  5. If they have paid a dividend for 10 years has it increased in this time? (1 check)
  6. How sustainable is the dividend, can Collection House afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
  7. Collection House has a total score of 6/6, see the detailed checks below.


Full details on the Dividends part of the Simply Wall St company analysis model.

Management

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

Management is one of the most important areas of a company. We look at unreasonable CEO compensation, how long the team and board of directors have been around for and insider trading.
CEO
Anthony Rivas
COMPENSATION A$1,256,106
TENURE AS CEO 2.9 years
CEO Bio

Mr. Anthony Rivas has been the Chief Executive Officer of Collection House Limited since July 6, 2016 and has been its Managing Director since November 24, 2017 and Director since December 15, 2017. Mr. Rivas has more than 25 years experience in the collections and receivables industry across three continents. He served as Vice President of Learning & Development at Aegis Receivables Management, Inc. He joined NCO/EGS in 2011 and served as its Vice President of Operations, where he was responsible for five facilities across Mexico, including collection agents, visitor agents, field attorneys and legal services. Prior to joining NCO/EGS, he worked and consulted in India, Australia, UK and the USA. He served as Vice President of Operations/Training at Global Vantedge. He served as Managing Director of Australian Receivables Limited (ARL), a wholly owned subsidiary of global customer service leaders EGS since July 2015. Before joining GVI, he served as Director of Business Solution Design at Keane Worldzen, where his responsibilities included setting up a new agency operation for debt recovery in India. Additional areas of responsibilities included training program development, technology acquisition, on the floor agent and management development. He is uniquely qualified in the Collections/Recovery Business Process Outsourcing space as result of the combination of his industry experience and extensive work 'on the ground' in India. He started his career with GC Services (San Antonio, Texas). Mr. Rivas has worked with OSI (San Antonio, TX and Atlanta, GA); last role with OSI was Senior Operations Manager - Collections managing post charge-off collections in the inbound/outbound environments, performing accounts collections, dialer technology team and pre-sale portfolio strategy.

CEO Compensation
  • Anthony's compensation has been consistent with company performance over the past year, both up more than 20%.
  • Anthony's remuneration is higher than average for companies of similar size in United States of America.
Management Team Tenure

Average tenure of the Collection House management team in years:

1.9
Average Tenure
  • The average tenure for the Collection House management team is less than 2 years, this suggests a new team.
Management Team

Anthony Rivas

TITLE
CEO, MD & Executive Director
COMPENSATION
A$1M
TENURE
2.9 yrs

Kristine May

TITLE
CFO & Company Secretary
COMPENSATION
A$394K
TENURE
2.4 yrs

Jonathan Idas

TITLE
Chief Legal Officer
COMPENSATION
A$332K
TENURE
1.8 yrs

Anand Adusumilli

TITLE
Chief Data Scientist
COMPENSATION
A$343K
TENURE
1.9 yrs

Denica Saunders

TITLE
Chief Operating Officer
TENURE
1.4 yrs

Kevin Donaldson

TITLE
Head of Lion Finance

Jos Basson

TITLE
Head of CLH Lawyers

Cassandra Brown

TITLE
Head of Government Services
Board of Directors Tenure

Average tenure of the Collection House board of directors in years:

1.6
Average Tenure
  • The average tenure for the Collection House board of directors is less than 3 years, this suggests a new board.
Board of Directors

Leigh Berkley

TITLE
Independent Chairman
COMPENSATION
A$187K
TENURE
1.6 yrs

Anthony Rivas

TITLE
CEO, MD & Executive Director
COMPENSATION
A$1M
TENURE
1.6 yrs

Michael Knox

TITLE
Independent Non-Executive Director
COMPENSATION
A$99K
TENURE
2.3 yrs

Sandra Birkensleigh

TITLE
Non-Executive Director
AGE
63
TENURE
0.8 yrs

Catherine McDowell

TITLE
Non-Executive Director
TENURE
0.8 yrs
Who owns this company?
Recent Insider Trading
  • More shares have been bought than sold by Collection House insiders in the past 3 months, but not in substantial volumes.
Recent Insider Transactions
Announced Type Name Entity Role Start End Shares Max Price ($) Value ($)
23. Apr 19 Buy Michael Knox Individual 17. Apr 19 17. Apr 19 20,000 $0.90 $18,071
11. Apr 19 Buy Michael Knox Individual 10. Apr 19 10. Apr 19 10,000 $0.89 $8,942
14. Mar 19 Sell Credit Suisse, Investment Banking and Securities Investments Company 15. Nov 18 22. Feb 19 -58,820 $0.93 $-54,799
14. Mar 19 Buy Credit Suisse, Investment Banking and Securities Investments Company 19. Nov 18 19. Feb 19 40,619 $0.90 $36,368
20. Nov 18 Sell Credit Suisse, Investment Banking and Securities Investments Company 26. Sep 18 14. Nov 18 -34,922 $1.02 $-35,698
20. Nov 18 Buy Credit Suisse, Investment Banking and Securities Investments Company 26. Sep 18 09. Nov 18 29,775 $1.00 $29,841
28. Sep 18 Sell Credit Suisse, Investment Banking and Securities Investments Company 18. Sep 18 18. Sep 18 -70 $1.14 $-80
28. Sep 18 Buy Credit Suisse, Investment Banking and Securities Investments Company 18. Sep 18 24. Sep 18 9,543 $1.18 $10,640
21. Sep 18 Buy Credit Suisse, Investment Banking and Securities Investments Company 17. Sep 18 17. Sep 18 7,760 $1.16 $9,011
19. Sep 18 Sell Credit Suisse, Investment Banking and Securities Investments Company 31. May 18 28. Aug 18 -549,185 $1.10 $-601,988
19. Sep 18 Buy Credit Suisse, Investment Banking and Securities Investments Company 31. May 18 13. Sep 18 323,363 $1.15 $373,391
20. Sep 18 Buy Credit Suisse, Investment Banking and Securities Investments Company 14. Sep 18 14. Sep 18 783 $1.13 $887
02. Sep 18 Buy Michael Knox Individual 31. Aug 18 31. Aug 18 30,000 $1.10 $33,074
29. Aug 18 Buy Anthony Rivas Individual 28. Aug 18 28. Aug 18 3,000 $1.09 $3,264
29. Aug 18 Buy Leigh Berkley Individual 28. Aug 18 28. Aug 18 67,500 $1.10 $74,437
X
Management checks
We assess Collection House's management by checking for:
  1. Is the CEO's compensation unreasonable compared to market cap? (1 check)
  2. Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
  3. Is the average tenure of the management team less than 2 years? (1 check)
  4. Is the average tenure of the board of directors team less than 3 years? (1 check)
  5. Collection House has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.


Note: We use the top 6 management executives and board members in our calculations.

Note 2: Insider trading include any internal stakeholders and these transactions .

Full details on the Management part of the Simply Wall St company analysis model.

News

Simply Wall St News

Company Info

Description

Collection House Limited provides debt collection and receivables management services in Australia and New Zealand. The company operates through Collection Services and Purchased Debt Ledgers segments. It offers debt collections services to clients in the Australasian financial services, insurance, public utility, credit, and government enterprise markets; and debt purchasing services for banking, finance, telecommunications, and energy sectors. The company also provides receivables management, repayment arrangement management, asset location recovery and sale, hardship management, legal and insolvency, credit management training, finance brokerage, and business process outsourcing services. Collection House Limited was incorporated in 1992 and is headquartered in Newstead, Australia.

Details
Name: Collection House Limited
CLHS.F
Exchange: OTCPK
Founded: 1992
A$119,101,652
138,763,030
Website: http://www.collectionhouse.com.au
Address: Collection House Limited
100 Skyring Terrace,
Level 12,
Newstead,
Queensland, 4006,
Australia
Listings
Exchange Symbol Ticker Symbol Security Exchange Country Currency Listed on
ASX CLH Ordinary Shares Australian Securities Exchange AU AUD 04. Oct 2000
OTCPK CLHS.F Ordinary Shares Pink Sheets LLC US USD 04. Oct 2000
DB LWU Ordinary Shares Deutsche Boerse AG DE EUR 04. Oct 2000
CHIA CLH Ordinary Shares Chi-X Australia AU AUD 04. Oct 2000
Number of employees
Current staff
Staff numbers
766
Collection House employees.
Industry
Consumer Finance
Diversified Financials
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2019/06/23 23:48
End of day share price update: 2019/03/26 00:00
Last estimates confirmation: 2019/03/13
Last earnings filing: 2019/02/26
Last earnings reported: 2018/12/31
Last annual earnings reported: 2018/06/30


All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.

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.