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Unifin Financiera. de SOFOM E.N.R

OTCPK:UFFR.F
Snowflake Description

Fair value with acceptable track record.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
UFFR.F
OTCPK
MX$16B
Market Cap
  1. Home
  2. US
  3. Diversified Financials
Company description

Unifin Financiera, S.A.B. de C.V., SOFOM, E.N.R. The last earnings update was 116 days ago. More info.


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UFFR.F Share Price and Events
7 Day Returns
0%
OTCPK:UFFR.F
-0.1%
US Consumer Finance
-0.1%
US Market
1 Year Returns
-
OTCPK:UFFR.F
-2.9%
US Consumer Finance
2.4%
US Market
UFFR.F Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
Unifin Financiera. de SOFOM E.N.R (UFFR.F) 0% 0% 0% - - -
US Consumer Finance -0.1% 4.9% -2.7% -2.9% 61.8% 15.9%
US Market -0.1% 4.5% 0.1% 2.4% 46.7% 38.8%
1 Year Return vs Industry and Market
  • No trading data on UFFR.F.
  • No trading data on UFFR.F.
Price Volatility
UFFR.F
Industry
5yr Volatility vs Market
Related Companies

Sorry, no analysis for Unifin Financiera. de SOFOM E.N.R's competitors could be found in our database.

UFFR.F Value

 Is Unifin Financiera. de SOFOM E.N.R 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 Unifin Financiera. de SOFOM E.N.R 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 Unifin Financiera. de SOFOM E.N.R.

OTCPK:UFFR.F Discounted Cash Flow Data Sources
Data Point Source Value
Valuation Model Excess Returns Model
Stable EPS Median Return on Equity from the past 5 years.
= Stable Book Value * Return on Equity
= MX$18.54 * 23.7%
MX$4.39
Book Value of Equity per Share Median Book Value from the past 5 years. MX$18.54
Discount Rate (Cost of Equity) See below 17.3%
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:UFFR.F
Data Point Calculation/ Source Result
Risk-Free Rate 10-Year US Govt Bond Rate 2.7%
Equity Risk Premium S&P Global 7.3%
Consumer Finance Unlevered Beta Simply Wall St/ S&P Global 0.67
Re-levered Beta = Unlevered beta (1 + (1- tax rate) (Debt/Equity))
= 0.668 (1 + (1- 30%) (288.53%))
2.016
Levered Beta Levered Beta limited to 0.8 to 2.0
(practical range for a stable firm)
2
Discount Rate/ Cost of Equity = Cost of Equity = Risk Free Rate + (Levered Beta * Equity Risk Premium)
= 2.73% + (2 * 7.27%)
17.27%

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

The calculations below outline how an intrinsic value for Unifin Financiera. de SOFOM E.N.R 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:UFFR.F Value of Excess Returns
Calculation Result
Excess Returns = (Stable Return on equity – Cost of equity) (Book Value of Equity per share)
= (23.7% – 17.27%) * MX$18.54)
MX$1.19
Terminal Value of Excess Returns = Excess Returns / (Cost of Equity - Expected Growth Rate)
= MX$1.19 / (17.27% - 2.73%)
MX$8.18
Value of Equity = Book Value per share + Terminal Value of Excess Returns
= MX$18.54 + MX$8.18
MX$26.72
OTCPK:UFFR.F Discount to Share Price
Calculation Result
Non-primary Listing Adjustment Factor 1 share in OTCPK:UFFR.F represents 0.04684x of BMV:UNIFIN A
(This could be a different class, a depositary receipt, a different currency, or all of these things.)
0.04684x
Value per Share
(Listing Adjusted, USD)
= Value per Share (MXN) x Listing Adjustment Factor
= MX$ 26.72 x 0.04684
$1.25
Value per share (USD) From above. $1.25
Current discount Discount to share price of $2.11
= -1 x ($2.11 - $1.25) / $1.25
-68.2%

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

  • The current share price of Unifin Financiera. de SOFOM E.N.R is above its future cash flow value.
Often investors are willing to pay a premium for a company that has a high dividend or the potential for future growth.
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 Unifin Financiera. de SOFOM E.N.R's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are Unifin Financiera. de SOFOM E.N.R's earnings available for a low price, and how does this compare to other companies in the same industry?
Raw Data
OTCPK:UFFR.F PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2018-09-30) in MXN MX$5.43
BMV:UNIFIN A Share Price ** BMV (2018-11-14) in MXN MX$44.95
United States of America Consumer Finance Industry PE Ratio Median Figure of 28 Publicly-Listed Consumer Finance Companies 9.89x
United States of America Market PE Ratio Median Figure of 3,051 Publicly-Listed Companies 16.79x

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

** Primary Listing of Unifin Financiera. de SOFOM E.N.R.

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

= BMV:UNIFIN A Share Price ÷ EPS (both in MXN)

= 44.95 ÷ 5.43

8.28x

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

  • Unifin Financiera. de SOFOM E.N.R is good value based on earnings compared to the US Consumer Finance industry average.
  • Unifin Financiera. de SOFOM E.N.R is good value based on earnings compared to the United States of America market.
Price based on expected Growth
Does Unifin Financiera. de SOFOM E.N.R's expected growth come at a high price?
Raw Data
OTCPK:UFFR.F PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section 8.28x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 2 Analysts
11.6%per year
United States of America Consumer Finance Industry PEG Ratio Median Figure of 23 Publicly-Listed Consumer Finance Companies 0.7x
United States of America Market PEG Ratio Median Figure of 2,118 Publicly-Listed Companies 1.34x

*Line of best fit is calculated by linear regression .

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

= PE Ratio ÷ Net Income Annual Growth Rate

= 8.28x ÷ 11.6%

0.72x

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

  • Unifin Financiera. de SOFOM E.N.R is good value based on expected growth next year.
Price based on value of assets
What value do investors place on Unifin Financiera. de SOFOM E.N.R's assets?
Raw Data
OTCPK:UFFR.F PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2018-09-30) in MXN MX$34.41
BMV:UNIFIN A Share Price * BMV (2018-11-14) in MXN MX$44.95
United States of America Consumer Finance Industry PB Ratio Median Figure of 41 Publicly-Listed Consumer Finance Companies 1.3x
United States of America Market PB Ratio Median Figure of 5,121 Publicly-Listed Companies 1.8x
OTCPK:UFFR.F PB (Price to Book) Ratio Calculation
Calculation Outcome
PB Ratio

= BMV:UNIFIN A Share Price ÷ Book Value per Share (both in MXN)

= 44.95 ÷ 34.41

1.31x

* Primary Listing of Unifin Financiera. de SOFOM E.N.R.

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

  • Unifin Financiera. de SOFOM E.N.R is overvalued based on assets compared to the US Consumer Finance industry average.
X
Value checks
We assess Unifin Financiera. de SOFOM E.N.R'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. Unifin Financiera. de SOFOM E.N.R has a total score of 3/6, 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.

UFFR.F Future Performance

 How is Unifin Financiera. de SOFOM E.N.R expected to perform in the next 1 to 3 years based on estimates from 2 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
11.6%
Expected annual growth in earnings.
Earnings growth vs Low Risk Savings
Is Unifin Financiera. de SOFOM E.N.R expected to grow at an attractive rate?
  • Unifin Financiera. de SOFOM E.N.R's earnings growth is expected to exceed the low risk savings rate of 2.7%.
Growth vs Market Checks
  • Unifin Financiera. de SOFOM E.N.R's earnings growth is positive but not above the United States of America market average.
  • Unifin Financiera. de SOFOM E.N.R's revenues are expected to decrease over the next 1-3 years, this is below the United States of America market average.
Annual Growth Rates Comparison
Raw Data
OTCPK:UFFR.F Future Growth Rates Data Sources
Data Point Source Value (per year)
OTCPK:UFFR.F Future Earnings Growth Rate Line of Best Fit* through Consensus Estimate Earnings of 2 Analysts 11.6%
OTCPK:UFFR.F Future Revenue Growth Rate Line of Best Fit* through Consensus Estimate Revenue of 2 Analysts -0.7%
United States of America Consumer Finance Industry Earnings Growth Rate Market Cap Weighted Average 4.7%
United States of America Consumer Finance Industry Revenue Growth Rate Market Cap Weighted Average 12.2%
United States of America Market Earnings Growth Rate Market Cap Weighted Average 13.4%
United States of America Market Revenue Growth Rate Market Cap Weighted Average 7.1%

*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:UFFR.F Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (4 months ago) See Below
Future Estimates Average of up to 2 Analyst Estimates (S&P Global) See Below
All numbers in MXN Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
OTCPK:UFFR.F Future Estimates Data
Date (Data in MXN Millions) Revenue Cash Flow Net Income * Avg. No. Analysts
2020-12-31 15,587 2,453 1
2019-12-31 13,813 2,238 1
2018-12-31 11,915 1,947 1
OTCPK:UFFR.F Past Financials Data
Date (Data in MXN Millions) Revenue Cash Flow Net Income *
2018-09-30 18,049 11,711 1,916
2018-06-30 16,788 12,184 1,944
2018-03-31 16,001 13,720 1,941
2017-12-31 14,315 17,021 1,773
2017-09-30 12,769 19,464 1,575
2017-06-30 11,599 19,152 1,360
2017-03-31 10,224 21,016 1,259
2016-12-31 9,486 14,095 1,210
2016-09-30 8,662 10,196 1,154
2016-06-30 7,825 11,422 1,055
2016-03-31 7,008 5,569 990
2015-12-31 6,546 6,421 1,093

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • Unifin Financiera. de SOFOM E.N.R's earnings are expected to grow by 11.6% yearly, however this is not considered high growth (20% yearly).
  • Unifin Financiera. de SOFOM E.N.R's revenue is expected to decrease over the next 1-3 years, this is not considered high growth.
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:UFFR.F Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (4 months ago) See Below
Future Estimates Average of up to 2 Analyst Estimates (S&P Global) See Below

All data from Unifin Financiera. de SOFOM E.N.R Company Filings, last reported 4 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

OTCPK:UFFR.F Future Estimates Data
Date (Data in MXN Millions) EPS * EPS High Estimate EPS Low Estimate Avg. No. Analysts
2020-12-31 7.00 7.00 7.00 1.00
2019-12-31 6.39 6.39 6.39 1.00
2018-12-31 5.53 5.53 5.53 1.00
OTCPK:UFFR.F Past Financials Data
Date (Data in MXN Millions) EPS *
2018-09-30 5.43
2018-06-30
2018-03-31
2017-12-31 3.65
2017-09-30
2017-06-30
2017-03-31
2016-12-31 3.43
2016-09-30
2016-06-30
2016-03-31
2015-12-31 4.88

*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.
  • Unifin Financiera. de SOFOM E.N.R is not expected to efficiently use shareholders’ funds in the future (Return on Equity less than 20%).
X
Future performance checks
We assess Unifin Financiera. de SOFOM E.N.R'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.
Unifin Financiera. de SOFOM E.N.R 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.

UFFR.F Past Performance

  How has Unifin Financiera. de SOFOM E.N.R 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 Unifin Financiera. de SOFOM E.N.R'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.
  • Unifin Financiera. de SOFOM E.N.R has delivered over 20% year on year earnings growth in the past 5 years.
  • Unifin Financiera. de SOFOM E.N.R's 1-year earnings growth is less than its 5-year average (21.7% vs 33.2%)
  • Unifin Financiera. de SOFOM E.N.R's earnings growth has not exceeded the US Consumer Finance industry average in the past year (21.7% vs 35.6%).
Earnings and Revenue History
Unifin Financiera. de SOFOM E.N.R'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 Unifin Financiera. de SOFOM E.N.R Company Filings, last reported 4 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

OTCPK:UFFR.F Past Revenue, Cash Flow and Net Income Data
Date (Data in MXN Millions) Revenue Net Income * G+A Expenses R&D Expenses
2018-09-30 18,048.74 1,915.71 1,101.61
2018-06-30 16,787.91 1,944.15 998.04
2018-03-31 16,001.23 1,941.25 962.57
2017-12-31 14,315.43 1,773.46 890.89
2017-09-30 12,768.77 1,574.70 836.06
2017-06-30 11,598.52 1,359.73 832.79
2017-03-31 10,223.90 1,259.36 802.05
2016-12-31 9,485.63 1,210.35 797.41
2016-09-30 8,662.46 1,153.64 818.89
2016-06-30 7,824.55 1,055.33 814.63
2016-03-31 7,008.47 989.76 759.94
2015-12-31 6,545.66 1,093.48 703.38
2015-09-30 5,961.46 1,011.99 651.66
2015-06-30 5,342.74 829.99 552.03
2015-03-31 5,678.93 758.14 560.58
2014-12-31 4,504.66 482.40 527.67
2014-09-30 4,100.67 439.79 490.42
2014-06-30 3,985.18 421.98 485.43
2014-03-31 3,483.91 340.04 393.39
2013-12-31 3,153.76 337.96 359.64
2013-09-30 3,367.75 287.49 333.03
2013-06-30 3,047.41 265.65 329.37
2013-03-31 2,847.32 256.89 328.94
2012-12-31 2,325.43 243.43 325.55
2012-09-30 2,033.54 226.45 299.63
2012-06-30 1,728.83 215.95 255.63
2012-03-31 1,599.89 179.92 217.20

*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.
  • Unifin Financiera. de SOFOM E.N.R has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
  • Unifin Financiera. de SOFOM E.N.R used its assets more efficiently than the US Consumer Finance industry average last year based on Return on Assets.
  • Unifin Financiera. de SOFOM E.N.R has significantly improved its use of capital last year versus 3 years ago (Return on Capital Employed).
X
Past performance checks
We assess Unifin Financiera. de SOFOM E.N.R'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.
Unifin Financiera. de SOFOM E.N.R has a total score of 3/6, 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.

UFFR.F Health

 How is Unifin Financiera. de SOFOM E.N.R'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 Unifin Financiera. de SOFOM E.N.R's finances.

The net worth of a company is the difference between its assets and liabilities.
Net Worth
  • Unifin Financiera. de SOFOM E.N.R is able to meet its short term (1 year) commitments with its holdings of cash and other short term assets.
  • Unifin Financiera. de SOFOM E.N.R's long term commitments exceed its cash and other short term assets.
Balance sheet
This treemap shows a more detailed breakdown of Unifin Financiera. de SOFOM E.N.R'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.
  • High level of physical assets or inventory.
  • Debt is not covered by short term assets, assets are 0.4x 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 Unifin Financiera. de SOFOM E.N.R Company Filings, last reported 4 months ago.

OTCPK:UFFR.F Past Debt and Equity Data
Date (Data in MXN Millions) Total Equity Total Debt Cash & Short Term Investments
2018-09-30 12,139.77 45,217.20 354.06
2018-06-30 12,726.02 49,959.44 906.38
2018-03-31 10,720.82 41,431.48 624.05
2017-12-31 7,584.37 43,167.69 385.10
2017-09-30 5,675.08 39,016.07 3,825.07
2017-06-30 5,257.38 35,642.90 2,282.16
2017-03-31 5,316.31 31,526.65 1,735.54
2016-12-31 5,500.63 29,922.52 312.82
2016-09-30 5,065.99 25,722.03 1,071.44
2016-06-30 4,650.97 22,860.68 1,412.74
2016-03-31 4,348.92 21,051.83 2,048.55
2015-12-31 4,346.57 19,046.39 3,599.72
2015-09-30 4,182.83 16,369.68 1,463.35
2015-06-30 3,962.80 13,570.37 2,526.19
2015-03-31 1,793.27 14,389.34 2,587.75
2014-12-31 1,535.36 12,596.86 1,430.16
2014-09-30 1,478.76 10,664.74 767.16
2014-06-30 1,400.12 9,417.60 591.38
2014-03-31 1,035.11 9,124.28 773.13
2013-12-31 952.95 9,015.20 1,051.96
2013-09-30 838.97 7,394.26 340.10
2013-06-30 778.15 6,985.70 548.22
2013-03-31 755.07 6,047.82 248.94
2012-12-31 674.99 5,668.41 227.49
2012-09-30 641.48 5,169.12 221.99
2012-06-30 602.50 5,004.35 741.91
2012-03-31 588.18 4,019.04 238.81
  • Unifin Financiera. de SOFOM E.N.R's level of debt (372.5%) compared to net worth is high (greater than 40%).
  • The level of debt compared to net worth has been reduced over the past 5 years (882.1% vs 372.5% today).
  • Debt is well covered by operating cash flow (25.9%, greater than 20% of total debt).
  • Interest payments on debt are not well covered by earnings (EBIT is 1.4x annual interest expense, ideally 3x coverage).
X
Financial health checks
We assess Unifin Financiera. de SOFOM E.N.R'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. Unifin Financiera. de SOFOM E.N.R 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.

UFFR.F Dividends

 What is Unifin Financiera. de SOFOM E.N.R'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
2.22%
Current annual income from Unifin Financiera. de SOFOM E.N.R dividends. Estimated to be 3.53% next year.
If you bought $2,000 of Unifin Financiera. de SOFOM E.N.R shares you are expected to receive $44 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?
  • Unifin Financiera. de SOFOM E.N.R's pays a higher dividend yield than the bottom 25% of dividend payers in United States of America (1.45%).
  • Unifin Financiera. de SOFOM E.N.R's dividend is below the markets top 25% of dividend payers in United States of America (3.64%).
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:UFFR.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 2 Analyst Estimates (S&P Global) See Below
United States of America Consumer Finance Industry Average Dividend Yield Market Cap Weighted Average of 11 Stocks 2%
United States of America Market Average Dividend Yield Market Cap Weighted Average of 1997 Stocks 2.6%
United States of America Minimum Threshold Dividend Yield 10th Percentile 0.9%
United States of America Bottom 25% Dividend Yield 25th Percentile 1.5%
United States of America Top 25% Dividend Yield 75th Percentile 3.6%

Industry and Market average data is calculated daily.

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

OTCPK:UFFR.F Future Dividends Estimate Data
Date (Data in MX$) Dividend per Share (annual) Avg. No. Analysts
2020-12-31 1.72 2.00
2019-12-31 1.45 2.00
2018-12-31 1.00 2.00
OTCPK:UFFR.F Past Annualized Dividends Data
Date (Data in MX$) Dividend per share (annual) Avg. Yield (%)
2018-07-26 1.000 2.248
2018-05-03 1.000 1.784
2015-05-22 0.286 0.627

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

  • Whilst dividend payments have been stable, Unifin Financiera. de SOFOM E.N.R has been paying a dividend for less than 10 years.
  • Dividend payments have increased, but Unifin Financiera. de SOFOM E.N.R only paid a dividend in the past 4 years.
Current Payout to shareholders
What portion of Unifin Financiera. de SOFOM E.N.R's earnings are paid to the shareholders as a dividend.
  • Dividends paid are well covered by earnings (5.4x coverage).
Future Payout to shareholders
  • Dividends after 3 years are expected to be well covered by earnings (4.1x coverage).
X
Income/ dividend checks
We assess Unifin Financiera. de SOFOM E.N.R's dividend by checking for:
  1. Firstly is the company paying a notable dividend (greater than 0.9%) - 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 Unifin Financiera. de SOFOM E.N.R afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
  7. Unifin Financiera. de SOFOM E.N.R has a total score of 3/6, see the detailed checks below.


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

UFFR.F Management

 What is the CEO of Unifin Financiera. de SOFOM E.N.R'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
Sergio Camacho Carmona
AGE 42
TENURE AS CEO 0.5 years
CEO Bio

Mr. Sergio Camacho Carmona has been Chief Executive Officer of Unifin Financiera, S.A.B. de C.V., S.O.F.O.M. E.N.R., since August 2018 and served as its Chief Financial Officer since November 1, 2016 until October 1, 2018. Mr. Carmona served as a Treasurer at Kimberly - Clark de Mexico S.A.B. de C.V. since October 2006 until January 2015. He holds a degree in Economics and a Master’s in Business Administration from the Instituto Tecnologico Autonomo de Mexico (ITAM), as well as having completed Harvard Business School’s Global Management Program. Before joining this, Mr. Camacho held various management positions in both national and international companies.

CEO Compensation
  • Insufficient data for Sergio to compare compensation growth.
  • Insufficient data for Sergio to establish whether their remuneration is reasonable compared to companies of similar size in United States of America.
Management Team Tenure

Average tenure and age of the Unifin Financiera. de SOFOM E.N.R management team in years:

0.5
Average Tenure
55
Average Age
  • The average tenure for the Unifin Financiera. de SOFOM E.N.R management team is less than 2 years, this suggests a new team.
Management Team

Sergio Camacho Carmona

TITLE
Chief Executive Officer
AGE
42
TENURE
0.5 yrs

Sergio Manuel Rodriguez

TITLE
Chief Financial Officer
TENURE
0.3 yrs

Rodrigo Thiele

TITLE
COO & Executive Director
AGE
43
TENURE
14.1 yrs

David Sánchez

TITLE
Director of Investor Relations & Corporate Finance

Guillermo Manuel García Pedro

TITLE
Legal Executive Director & Deputy Secretary

Juan del Cueto Martinez

TITLE
Chief Human Resources & IT Officer
AGE
56

Luis Gerardo Gonzalez

TITLE
Executive Director
AGE
55
TENURE
0.5 yrs

Gerardo Rodriguez-Peña

TITLE
Chief Business Development Officer
AGE
40

Juan Trevilla Rivadeneyra

TITLE
Non-member Secretary of the Board
AGE
65
TENURE
7.1 yrs

Diego Tomás Poniatowski

TITLE
Manager of Factoring
AGE
58
Board of Directors Tenure

Average tenure and age of the Unifin Financiera. de SOFOM E.N.R board of directors in years:

5.6
Average Tenure
55
Average Age
  • The tenure for the Unifin Financiera. de SOFOM E.N.R board of directors is about average.
Board of Directors

Rodrigo Lebois Mateos

TITLE
Chairman of the Board
AGE
55

Rodrigo Thiele

TITLE
COO & Executive Director
AGE
43
TENURE
4.1 yrs

Luis Gerardo Gonzalez

TITLE
Executive Director
AGE
55
TENURE
18.1 yrs

Diego Tomás Poniatowski

TITLE
Manager of Factoring
AGE
58

José Fernández Fernández

TITLE
Independent Director
AGE
59
TENURE
7.1 yrs

Federico Chávez Mijares

TITLE
Independent Director
AGE
52
TENURE
16.1 yrs

Jose Llamas Figueroa

TITLE
Independent Director
AGE
54
TENURE
12.1 yrs

Juan Gutiérrez Wanless

TITLE
Independent Director
AGE
58
TENURE
4.1 yrs

Enrique Luis Castillo Mejorada

TITLE
Independent Director
AGE
61
TENURE
4.1 yrs

Almudena Ocejo

TITLE
Director
AGE
28
TENURE
4.1 yrs
Who owns this company?
Recent Insider Trading
  • No 3 month insider trading information.
Recent Insider Transactions
Announced Type Name Entity Role Start End Shares Max Price ($) Value ($)
X
Management checks
We assess Unifin Financiera. de SOFOM E.N.R'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. Unifin Financiera. de SOFOM E.N.R 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.

UFFR.F News

Simply Wall St News

UFFR.F Company Info

Map
Description

Unifin Financiera, S.A.B. de C.V., SOFOM, E.N.R. operates as a leasing company in Mexico. It offers leasing facility for cars, fleets, machinery, or capital assets; factoring services, including factoring to suppliers, factoring by direct collection, and factoring by delegated collection; and credit for SMEs and individuals to acquire new and pre-owned vehicles. The company also provides insurance for cars, trucks, technical branches, personal, and life; medical expenses insurance; insurance for securities, money, theft, crystals, and fire; mass risks, aviation, and watercraft insurance; and counseling, inspection, and design for insurance programs. In addition, it engages in commercial management, marketing, and business intelligence businesses. The company was founded in 1993 and is headquartered in Mexico City, Mexico.

Details
Name: Unifin Financiera, S.A.B. de C.V., SOFOM, E.N.R.
UFFR.F
Exchange: OTCPK
Founded: 1993
MX$813,484,700
352,800,000
Website: http://www.unifin.com.mx
Address: Unifin Financiera, S.A.B. de C.V., SOFOM, E.N.R.
Presidente Masaryk 111,
Polanco,
Mexico City,
Distrito Federal, 11560,
Mexico
Listings
Exchange Symbol Ticker Symbol Security Exchange Country Currency Listed on
BMV UNIFIN A Series A Variable Ordinary Shares Bolsa Mexicana de Valores MX MXN 22. May 2015
OTCPK UFFR.F Series A Variable Ordinary Shares Pink Sheets LLC US USD 22. May 2015
Number of employees
Current staff
Staff numbers
530
Unifin Financiera. de SOFOM E.N.R employees.
Industry
Consumer Finance
Diversified Financials
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2019/02/12 00:51
End of day share price update: 2018/11/14 00:00
Last estimates confirmation: 2019/02/04
Last earnings filing: 2018/10/19
Last earnings reported: 2018/09/30
Last annual earnings reported: 2017/12/31


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.