| Snowflake Score | |
|---|---|
| Valuation | 0/6 |
| Future Growth | 0/6 |
| Past Performance | 5/6 |
| Financial Health | 3/6 |
| Dividends | 1/6 |
KST Overview
PSG Konsult Limited, through its subsidiaries, provides various financial services and products in South Africa, Namibia, and Botswana.
Rewards
Risk Analysis
No risks detected for KST from our risk checks.
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | R12.66 |
| 52 Week High | R7.50 |
| 52 Week Low | R13.00 |
| Beta | 0.55 |
| 1 Month Change | 16.68% |
| 3 Month Change | 16.68% |
| 1 Year Change | 55.34% |
| 3 Year Change | 28.92% |
| 5 Year Change | 86.73% |
| Change since IPO | 60.25% |
Recent News & Updates
PSG Konsult (JSE:KST) Is Increasing Its Dividend To R0.10
The board of PSG Konsult Limited ( JSE:KST ) has announced that it will be increasing its dividend on the 1st of...
Earnings Not Telling The Story For PSG Konsult Limited (JSE:KST) After Shares Rise 29%
Despite an already strong run, PSG Konsult Limited ( JSE:KST ) shares have been powering on, with a gain of 29% in the...
PSG Konsult Limited's (JSE:KST) Attractive Combination: Does It Earn A Place In Your Dividend Portfolio?
Could PSG Konsult Limited ( JSE:KST ) be an attractive dividend share to own for the long haul? Investors are often...
Shareholder Returns
| KST | ZA Capital Markets | ZA Market | |
|---|---|---|---|
| 7D | 10.8% | 4.4% | 1.6% |
| 1Y | 55.3% | 55.5% | 21.3% |
Return vs Industry: KST matched the ZA Capital Markets industry which returned 55.5% over the past year.
Return vs Market: KST exceeded the ZA Market which returned 21.3% over the past year.
Price Volatility
| KST volatility | |
|---|---|
| KST Beta | 0.55 |
| Industry Beta | 0.89 |
| Market Beta | 1 |
Stable Share Price: KST is not significantly more volatile than the rest of ZA stocks over the past 3 months, typically moving +/- 5% a week.
Volatility Over Time: KST's weekly volatility (5%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1993 | n/a | Francois Gouws | https://www.psg.co.za |
PSG Konsult Limited, through its subsidiaries, provides various financial services and products in South Africa, Namibia, and Botswana. It operates through three segments: PSG Wealth, PSG Asset Management, and PSG Insure. The PSG Wealth segment offers portfolio management, stockbroking, local and offshore investments, estate planning, financial planning, local and offshore fiduciary, multi-managed investment solutions, and retirement products to individuals, families, and businesses.
PSG Konsult Fundamentals Summary
| KST fundamental statistics | |
|---|---|
| Market Cap | R16.88b |
| Earnings (TTM) | R777.24m |
| Revenue (TTM) | R5.53b |
21.7x
P/E Ratio3.1x
P/S RatioIs KST overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| KST income statement (TTM) | |
|---|---|
| Revenue | R5.53b |
| Cost of Revenue | R3.02b |
| Gross Profit | R2.52b |
| Expenses | R1.74b |
| Earnings | R777.24m |
Last Reported Earnings
Aug 31, 2021
Next Earnings Date
n/a
| Earnings per share (EPS) | 0.58 |
| Gross Margin | 45.49% |
| Net Profit Margin | 14.05% |
| Debt/Equity Ratio | 0.4% |
How did KST perform over the long term?
See historical performance and comparisonDividends
2.1%
Current Dividend Yield45%
Payout RatioDoes KST pay a reliable dividends?
See KST dividend history and benchmarks| PSG Konsult dividend dates | |
|---|---|
| Ex Dividend Date | Oct 27 2021 |
| Dividend Pay Date | Nov 02 2021 |
| Days until Ex dividend | 8 days |
| Days until Dividend pay date | 14 days |
Does KST pay a reliable dividends?
See KST dividend history and benchmarksValuation
Is PSG Konsult undervalued compared to its fair value and its price relative to the market?
21.72x
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: KST (ZAR12.66) is trading above our estimate of fair value (ZAR4.25)
Significantly Below Fair Value: KST is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: KST is poor value based on its PE Ratio (21.7x) compared to the ZA Capital Markets industry average (11.3x).
PE vs Market: KST is poor value based on its PE Ratio (21.7x) compared to the ZA market (11.2x).
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate KST's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: KST is overvalued based on its PB Ratio (4.5x) compared to the ZA Capital Markets industry average (0.7x).
Future Growth
How is PSG Konsult forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
7.5%
Forecasted Diversified Financials 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 PSG Konsult 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.
Past Performance
How has PSG Konsult performed over the past 5 years?
11.0%
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: KST has high quality earnings.
Growing Profit Margin: KST's current net profit margins (14.1%) are higher than last year (13.1%).
Past Earnings Growth Analysis
Earnings Trend: KST's earnings have grown by 11% per year over the past 5 years.
Accelerating Growth: KST's earnings growth over the past year (17.5%) exceeds its 5-year average (11% per year).
Earnings vs Industry: KST earnings growth over the past year (17.5%) underperformed the Capital Markets industry 35.2%.
Return on Equity
High ROE: KST's Return on Equity (20.7%) is considered high.
Financial Health
How is PSG Konsult's financial position?
Financial Position Analysis
Short Term Liabilities: KST's short term assets (ZAR3.8B) do not cover its short term liabilities (ZAR33.2B).
Long Term Liabilities: KST's short term assets (ZAR3.8B) do not cover its long term liabilities (ZAR34.6B).
Debt to Equity History and Analysis
Debt Level: KST's debt to equity ratio (0.4%) is considered satisfactory.
Reducing Debt: KST's debt to equity ratio has reduced from 5% to 0.4% over the past 5 years.
Debt Coverage: KST's debt is well covered by operating cash flow (5683.4%).
Interest Coverage: Insufficient data to determine if KST's interest payments on its debt are well covered by EBIT.
Balance Sheet
Dividend
What is PSG Konsult current dividend yield, its reliability and sustainability?
2.09%
Current Dividend Yield
Upcoming Dividend Payment
Dividend Yield vs Market
Notable Dividend: KST's dividend (2.09%) isn’t notable compared to the bottom 25% of dividend payers in the ZA market (3.07%).
High Dividend: KST's dividend (2.09%) is low compared to the top 25% of dividend payers in the ZA market (8.09%).
Stability and Growth of Payments
Stable Dividend: Whilst dividend payments have been stable, KST has been paying a dividend for less than 10 years.
Growing Dividend: KST's dividend payments have increased, but the company has only paid a dividend for 7 years.
Current Payout to Shareholders
Dividend Coverage: With its reasonably low payout ratio (45.2%), KST's dividend payments are well 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.
Next Steps
Management
How experienced are the management team and are they aligned to shareholders interests?
8.5yrs
Average management tenure
CEO
Francois Gouws (56 yo)
8.25yrs
Tenure
R32,216,000
Compensation
Mr. Francois Johannes Gouws, B.Acc, CA (SA) has been the Chief Executive Officer of PSG Konsult Limited since July 1, 2013. Mr. Gouws has been an Executive Director at PSG Konsult Limited since March 1, 20...
CEO Compensation Analysis
Compensation vs Market: Francois's total compensation ($USD2.19M) is above average for companies of similar size in the ZA market ($USD895.91K).
Compensation vs Earnings: Francois's compensation has been consistent with company performance over the past year.
Leadership Team
Experienced Management: KST's management team is seasoned and experienced (8.5 years average tenure).
Board Members
Experienced Board: KST's board of directors are considered experienced (7.9 years average tenure).
Ownership
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.
Recent Insider Transactions
Ownership Breakdown
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Top Shareholders
Company Information
PSG Konsult Limited's employee growth, exchange listings and data sources
Key Information
- Name: PSG Konsult Limited
- Ticker: KST
- Exchange: JSE
- Founded: 1993
- Industry: Asset Management and Custody Banks
- Sector: Diversified Financials
- Market Cap: R16.880b
- Shares outstanding: 1.33b
- Website: https://www.psg.co.za
Number of Employees
Location
- PSG Konsult Limited
- The Edge
- 4th Floor
- Bellville
- Western Cape
- 7530
- South Africa
Listings
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2021/10/18 21:41 |
| End of Day Share Price | 2021/10/18 00:00 |
| Earnings | 2021/08/31 |
| Annual Earnings | 2021/02/28 |
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.