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RMH

RMB HoldingsJSE:RMH Stock Report

Market Cap

R2.0b

7D

-2.0%

1Y

16.9%

Updated

25 Oct, 2021

Data

Company Financials
RMH fundamental analysis
Snowflake Score
Valuation1/6
Future Growth0/6
Past Performance0/6
Financial Health6/6
Dividends0/6

RMH Overview

RMB Holdings Limited, an investment holding company, invests in financial services sector primarily in South Africa.

Price History & Performance

Summary of all time highs, changes and price drops for RMB Holdings
Historical stock prices
Current Share PriceR1.45
52 Week HighR1.03
52 Week LowR2.10
Beta0.17
1 Month Change-2.03%
3 Month Change-1.36%
1 Year Change16.94%
3 Year Change-98.06%
5 Year Change-97.56%
Change since IPO-42.00%

Recent News & Updates

Shareholder Returns

RMHZA Diversified FinancialZA Market
7D-2.0%-2.4%-0.03%
1Y16.9%30.1%19.0%

Return vs Industry: RMH underperformed the ZA Diversified Financial industry which returned 30.1% over the past year.

Return vs Market: RMH underperformed the ZA Market which returned 19% over the past year.

Price Volatility

Is RMH's price volatile compared to industry and market?
RMH volatility
RMH Beta0.17
Industry Beta0.67
Market Beta1

Stable Share Price: RMH is less volatile than 75% of ZA stocks over the past 3 months, typically moving +/- 4% a week.

Volatility Over Time: RMH's weekly volatility (4%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
1987n/aHerman Bosmanhttps://rmh.co.za

RMB Holdings Limited, an investment holding company, invests in financial services sector primarily in South Africa. The company was founded in 1987 and is based in Sandton, South Africa.

RMB Holdings Fundamentals Summary

How do RMB Holdings's earnings and revenue compare to its market cap?
RMH fundamental statistics
Market CapR2.02b
Earnings (TTM)-R96.00m
Revenue (TTM)n/a

-36.1x

P/S Ratio

-21.0x

P/E Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
RMH income statement (TTM)
Revenue-R56.00m
Cost of RevenueR38.00m
Gross Profit-R56.00m
ExpensesR40.00m
Earnings-R96.00m

Last Reported Earnings

Mar 31, 2021

Next Earnings Date

n/a

Earnings per share (EPS)-0.069
Gross Margin100.00%
Net Profit Margin171.43%
Debt/Equity Ratio0.0%

How did RMH perform over the long term?

See historical performance and comparison

Valuation

Is RMB Holdings undervalued compared to its fair value and its price relative to the market?

0.44x

Price to Book (PB) ratio


Share Price vs. Fair Value

Below Fair Value: Insufficient data to calculate RMH's fair value to establish if it is undervalued.

Significantly Below Fair Value: Insufficient data to calculate RMH's fair value to establish if it is undervalued.


Price To Earnings Ratio

PE vs Industry: RMH is unprofitable, so we can't compare its PE Ratio to the ZA Diversified Financial industry average.

PE vs Market: RMH is unprofitable, so we can't compare its PE Ratio to the ZA market.


Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate RMH's PEG Ratio to determine if it is good value.


Price to Book Ratio

PB vs Industry: RMH is good value based on its PB Ratio (0.4x) compared to the ZA Diversified Financial industry average (0.7x).


Future Growth

How is RMB Holdings forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

16.8%

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 RMB 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.


Past Performance

How has RMB Holdings performed over the past 5 years?

-38.9%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: RMH is currently unprofitable.

Growing Profit Margin: RMH is currently unprofitable.


Past Earnings Growth Analysis

Earnings Trend: RMH is unprofitable, and losses have increased over the past 5 years at a rate of 38.9% per year.

Accelerating Growth: Unable to compare RMH's earnings growth over the past year to its 5-year average as it is currently unprofitable

Earnings vs Industry: RMH is unprofitable, making it difficult to compare its past year earnings growth to the Diversified Financial industry (32.9%).


Return on Equity

High ROE: RMH has a negative Return on Equity (-2.08%), as it is currently unprofitable.


Financial Health

How is RMB Holdings's financial position?


Financial Position Analysis

Short Term Liabilities: RMH's short term assets (ZAR2.1B) exceed its short term liabilities (ZAR60.0M).

Long Term Liabilities: RMH's short term assets (ZAR2.1B) exceed its long term liabilities (ZAR25.0M).


Debt to Equity History and Analysis

Debt Level: RMH is debt free.

Reducing Debt: RMH has no debt compared to 5 years ago when its debt to equity ratio was 3.2%.

Debt Coverage: RMH has no debt, therefore it does not need to be covered by operating cash flow.

Interest Coverage: RMH has no debt, therefore coverage of interest payments is not a concern.


Balance Sheet


Dividend

What is RMB Holdings's current dividend yield, its reliability and sustainability?


Dividend Yield vs Market

Notable Dividend: Unable to evaluate RMH's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.

High Dividend: Unable to evaluate RMH's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.


Stability and Growth of Payments

Stable Dividend: Insufficient data to determine if RMH's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if RMH's dividend payments have been increasing.


Current Payout to Shareholders

Dividend Coverage: RMH is not paying a notable dividend for the ZA market.


Future Payout to Shareholders

Future Dividend Coverage: No need to calculate the sustainability of RMH's dividend in 3 years as they are not forecast to pay a notable one for the ZA market.


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?

7.1yrs

Average management tenure


CEO

Herman Bosman (51 yo)

7.08yrs

Tenure

R1,141,412

Compensation

Mr. Hermanus Lambertus Bosman, also known as Herman, BCom (Law), LLB, LLM, CFA has been Non-Independent & Non-Executive Chairman at OUTsurance Holdings Limited since July 1, 2020. Mr. Bosman has been the C...


CEO Compensation Analysis

Compensation vs Market: Herman's total compensation ($USD77.59K) is below average for companies of similar size in the ZA market ($USD278.61K).

Compensation vs Earnings: Herman's compensation has been consistent with company performance over the past year.


Leadership Team

Experienced Management: RMH's management team is seasoned and experienced (7.1 years average tenure).


Board Members

Experienced Board: RMH's board of directors are considered experienced (3.6 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.


Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

Company Information

RMB Holdings Limited's employee growth, exchange listings and data sources


Key Information

  • Name: RMB Holdings Limited
  • Ticker: RMH
  • Exchange: JSE
  • Founded: 1987
  • Industry: Other Diversified Financial Services
  • Sector: Diversified Financials
  • Market Cap: R2.019b
  • Shares outstanding: 1.39b
  • Website: https://rmh.co.za

Location

  • RMB Holdings Limited
  • The Bank, Corner Cradock and Tyrwhitt Av
  • 12th Floor
  • Sandton
  • Gauteng
  • 2196
  • South Africa

Listings


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2021/10/25 21:35
End of Day Share Price2021/10/25 00:00
Earnings2021/03/31
Annual Earnings2021/03/31


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.