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GBZW

GetBucks Microfinance BankZMSE:GBZW Stock Report

Market Cap

Z$9.2b

7D

-6.8%

1Y

6,228.0%

Updated

19 Oct, 2021

Data

Company Financials
GBZW fundamental analysis
Snowflake Score
Valuation0/6
Future Growth0/6
Past Performance0/6
Financial Health2/6
Dividends0/6

GBZW Overview

GetBucks Microfinance Bank Limited provides banking products and services to individuals and corporate clients in Zimbabwe.

Price History & Performance

Summary of all time highs, changes and price drops for GetBucks Microfinance Bank
Historical stock prices
Current Share PriceZ$7.91
52 Week HighZ$0
52 Week LowZ$0
Beta0.17
1 Month Change-3.60%
3 Month Change-8.73%
1 Year Change6,228.00%
3 Year Change12,106.79%
5 Year Change21,278.38%
Change since IPO131.29%

Recent News & Updates

Shareholder Returns

GBZWZW Consumer FinanceZW Market
7D-6.8%2.9%18.0%
1Y6,228.0%65.5%733.1%

Return vs Industry: GBZW exceeded the ZW Consumer Finance industry which returned 63.1% over the past year.

Return vs Market: GBZW exceeded the ZW Market which returned 650.4% over the past year.

Price Volatility

Is GBZW's price volatile compared to industry and market?
GBZW volatility
GBZW Beta0.17
Industry Beta1.35
Market Beta1

Stable Share Price: GBZW is more volatile than 90% of ZW stocks over the past 3 months, typically moving +/- 14% a week.

Volatility Over Time: GBZW's weekly volatility (14%) has been stable over the past year, but is still higher than 75% of ZW stocks.

About the Company

FoundedEmployeesCEOWebsite
2012n/aGeorge Nheweyembwahttps://www.getbucks.com

GetBucks Microfinance Bank Limited provides banking products and services to individuals and corporate clients in Zimbabwe. It operates through Consumer Lending, Small and Medium Enterprise (SME) Lending, and Bureau segments. The company offers savings, corporate, money market, and fixed savings accounts; and consumer, personal, SME, home, mortgage, and educational loans.

GetBucks Microfinance Bank Fundamentals Summary

How do GetBucks Microfinance Bank's earnings and revenue compare to its market cap?
GBZW fundamental statistics
Market CapZ$9.20b
Earnings (TTM)-Z$72.87m
Revenue (TTM)Z$162.10m

56.8x

P/S Ratio

-126.3x

P/E Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
GBZW income statement (TTM)
RevenueZ$162.10m
Cost of RevenueZ$176.86m
Gross Profit-Z$14.76m
ExpensesZ$58.11m
Earnings-Z$72.87m

Last Reported Earnings

Jun 30, 2021

Next Earnings Date

n/a

Earnings per share (EPS)-0.063
Gross Margin-9.11%
Net Profit Margin-44.95%
Debt/Equity Ratio175.4%

How did GBZW perform over the long term?

See historical performance and comparison

Valuation

Is GetBucks Microfinance Bank undervalued compared to its fair value and its price relative to the market?

48.61x

Price to Book (PB) ratio


Share Price vs. Fair Value

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

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


Price To Earnings Ratio

PE vs Industry: GBZW is unprofitable, so we can't compare its PE Ratio to the African Consumer Finance industry average.

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


Price to Earnings Growth Ratio

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


Price to Book Ratio

PB vs Industry: GBZW is overvalued based on its PB Ratio (48.6x) compared to the XF Consumer Finance industry average (1.5x).


Future Growth

How is GetBucks Microfinance Bank forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

6.5%

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 GetBucks Microfinance Bank 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 GetBucks Microfinance Bank performed over the past 5 years?

-49.9%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: GBZW is currently unprofitable.

Growing Profit Margin: GBZW is currently unprofitable.


Past Earnings Growth Analysis

Earnings Trend: GBZW is unprofitable, and losses have increased over the past 5 years at a rate of 49.9% per year.

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

Earnings vs Industry: GBZW is unprofitable, making it difficult to compare its past year earnings growth to the Consumer Finance industry (-50.8%).


Return on Equity

High ROE: GBZW has a negative Return on Equity (-38.5%), as it is currently unprofitable.


Financial Health

How is GetBucks Microfinance Bank's financial position?


Financial Position Analysis

Short Term Liabilities: GBZW's short term assets (ZWL435.6M) exceed its short term liabilities (ZWL416.4M).

Long Term Liabilities: GBZW's short term assets (ZWL435.6M) exceed its long term liabilities (ZWL49.3M).


Debt to Equity History and Analysis

Debt Level: GBZW's debt to equity ratio (175.4%) is considered high.

Reducing Debt: GBZW's debt to equity ratio has increased from 78.7% to 175.4% over the past 5 years.

Debt Coverage: GBZW's operating cash flow is negative, therefore debt is not well covered.

Interest Coverage: Insufficient data to determine if GBZW's interest payments on its debt are well covered by EBIT.


Balance Sheet


Dividend

What is GetBucks Microfinance Bank current dividend yield, its reliability and sustainability?


Dividend Yield vs Market

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

High Dividend: Unable to evaluate GBZW'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 GBZW's dividends per share have been stable in the past.

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


Current Payout to Shareholders

Dividend Coverage: GBZW is not paying a notable dividend for the ZW market.


Future Payout to Shareholders

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


Next Steps

Management

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

1.7yrs

Average board tenure


CEO

George Nheweyembwa

0.75

Tenure

Mr. George Nheweyembwa serves as an Investment Manager of Altira ADC Management GmbH and of African Development Corporation. He has been Managing Director and Director of GetBucks Microfinance Bank Limited...


Board Members

Experienced Board: GBZW's board of directors are not considered experienced ( 1.7 years average tenure), which suggests a new board.


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

GetBucks Microfinance Bank Limited's employee growth, exchange listings and data sources


Key Information

  • Name: GetBucks Microfinance Bank Limited
  • Ticker: GBZW
  • Exchange: ZMSE
  • Founded: 2012
  • Industry: Consumer Finance
  • Sector: Diversified Financials
  • Market Cap: Z$9.200b
  • Shares outstanding: 1.16b
  • Website: https://www.getbucks.com

Number of Employees


Location

  • GetBucks Microfinance Bank Limited
  • MIPF House
  • Ground Floor
  • Harare
  • Zimbabwe

Listings


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2021/10/19 21:48
End of Day Share Price2021/10/19 00:00
Earnings2021/06/30
Annual Earnings2020/12/31


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.