Full history for every metric is available with a Kvantra account
Key financial summary
Financials in ZAR| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | ||
|---|---|---|---|---|---|---|---|---|
| Total revenue | ZAR m | 1,888 | 1,544 | 1,263 | 1,391 | 1,438 | 1,480 | 1,480 |
| Operating profit | ZAR m | 230 | -120 | |||||
| Net profit | ZAR m | -295 | -244 | -265 | 1 | 32 | 69 | 69 |
| EPS reported | ZAR | 0.15 | 0.15 | |||||
| Operating cashflow per share | ZAR | 0.74 | 0.75 | |||||
| Capex per share | ZAR | 0.09 | 0.09 | |||||
| FCF per share | ZAR | 0.65 | 0.66 | |||||
| Free cash flow | ZAR m | 310 | 310 | |||||
| Net debt | ZAR m | 2,316 | 2,438 | |||||
| Book value equity | ZAR m | 484 | 484 | |||||
| Book value per share | ZAR | 1.02 | 1.03 | |||||
| Number of shares | m | 475 | 469.14 | |||||
| DPS (TTM paid) | ZAR | 0.10 | 0.10 |
Financial summary
Financials in ZAR| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | ||
|---|---|---|---|---|---|---|---|---|
| Value | ||||||||
| P/E TTM | x | 7.87 | - | |||||
| P/B LTM | x | 1.16 | 0.75 | |||||
| P/S LTM | x | 0.38 | 0.24 | |||||
| P/FCF LTM | x | 1.81 | 1.17 | |||||
| EV/EBITDA LTM | x | 5.01 | 22.07 | |||||
| EV/Sales LTM | x | 2.22 | 1.89 | |||||
| Earnings Yield LTM | % | 12.71% | 19.20% | |||||
| FCF Yield | % | 55.23% | 85.59% | |||||
| Quality | ||||||||
| ROE | % | 14.34% | 11.64% | |||||
| ROIC | % | 3.73% | -1.95% | |||||
| Operating margin | % | 15.52% | -8.09% | |||||
| Gross margin | % | 77.49% | 53.94% | |||||
| FCF/Sales | % | 20.92% | 20.92% | |||||
| Growth and momentum | ||||||||
| EPS Growth YoY | % | +115.52% | +115.52% | |||||
| Sales Growth YoY | % | +2.89% | +2.89% | |||||
| Net Income Growth YoY | % | +118.13% | +118.13% | |||||
| FCF Growth | % | - | - | |||||
| Operating Profit Growth | % | +271.01% | - | |||||
| Dividend and capital structure | ||||||||
| Dividend Yield | % | 10.20% | 12.43% | |||||
| Dividend Growth | % | -0.00% | - | |||||
| Payout Ratio | % | 80.21% | 82.39% | |||||
| FCF/Debt | x | 0.10 | 0.10 | |||||
| Net Debt/EBITDA | x | 4.16 | 21.44 | |||||
| EBIT/Net interest | x | 0.55 | -1.72 | |||||
| Net debt/market cap | % | 413.23% | 673.97% | |||||
| Net debt/Equity | x | 4.79 | 5.04 | |||||
| Gross debt/equity | x | 6.70 | 6.70 | |||||
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
Company overview
Finbond Group Limited operates as a financial services provider, with its operations spanning key segments like Deposit and Debt Finance Products, Lending, Property Investment, and Transactional Banking. The company delivers a diverse portfolio of financial offerings, including short-term consumer credit, transactional banking solutions, business banking services tailored for commercial entities and small enterprises, along with savings and wealth management options. Additionally, it provides secured loans, microcredit facilities, and insurance. Founded in 2001, Finbond Group Limited is headquartered in Pretoria, South Africa. By February 28, 2022, the group managed an extensive network of 592 branches, comprising 221 in North America and 371 situated in its home country.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Finbond Group Limited (FGL.JO)
Not enough data to calculate KvantraRank
Based on consensus from external analysts. Not Kvantra's opinion.
Finbond Group Limited operates as a financial services provider, with its operations spanning key segments like Deposit and Debt Finance Products, Lending, Property Investment, and Transactional Banking. The company delivers a diverse portfolio of financial offerings, including short-term consumer credit, transactional banking solutions, business banking services tailored for commercial entities and small enterprises, along with savings and wealth management options. Additionally, it provides secured loans, microcredit facilities, and insurance. Founded in 2001, Finbond Group Limited is headquartered in Pretoria, South Africa. By February 28, 2022, the group managed an extensive network of 592 branches, comprising 221 in North America and 371 situated in its home country.
Unlock all fundamental data
Sign up for FreeUnlock all fundamental data
Sign up for Free