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Geneva Finance Limited (GFL.NZ)
Key financial summary
Financials in NZD| 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | TTM | ||
|---|---|---|---|---|---|---|---|---|
| Total revenue | NZD m | 23 | 22 | 26 | 35 | 42 | 66 | 66 |
| Operating profit | NZD m | -1 | 2 | |||||
| Net profit | NZD m | 4 | 4 | 6 | 6 | 3 | 2 | - |
| EPS reported | NZD | 0.02 | - | |||||
| Operating cashflow per share | NZD | 0.03 | 0.03 | |||||
| Capex per share | NZD | 0.01 | 0.01 | |||||
| FCF per share | NZD | 0.03 | 0.03 | |||||
| Free cash flow | NZD m | 2 | 2 | |||||
| Net debt | NZD m | 68 | 63 | |||||
| Book value equity | NZD m | 35 | 35 | |||||
| Book value per share | NZD | 0.48 | 0.48 | |||||
| Number of shares | m | 72.94 | 72.94 | |||||
| DPS (TTM paid) | NZD | 0.03 | 0.03 |
Financial summary
Financials in NZD| 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | TTM | ||
|---|---|---|---|---|---|---|---|---|
| Value | ||||||||
| P/E TTM | x | 12.39 | - | |||||
| P/B LTM | x | 0.62 | 0.62 | |||||
| P/S LTM | x | 0.33 | 0.33 | |||||
| P/FCF LTM | x | 11.90 | 11.90 | |||||
| EV/EBITDA LTM | x | -944.19 | 63.21 | |||||
| EV/Sales LTM | x | 1.36 | 1.28 | |||||
| Earnings Yield LTM | % | 8.07% | 7.93% | |||||
| FCF Yield | % | 8.40% | 8.40% | |||||
| Quality | ||||||||
| ROE | % | 4.92% | 4.84% | |||||
| ROIC | % | 0.00% | 0.00% | |||||
| Operating margin | % | -1.29% | -1.29% | |||||
| Gross margin | % | 44.67% | 44.67% | |||||
| FCF/Sales | % | 2.78% | 2.78% | |||||
| Growth and momentum | ||||||||
| EPS Growth YoY | % | -43.20% | -43.20% | |||||
| Sales Growth YoY | % | +56.82% | +56.82% | |||||
| Net Income Growth YoY | % | -43.18% | -43.18% | |||||
| FCF Growth | % | - | - | |||||
| Operating Profit Growth | % | - | - | |||||
| Dividend and capital structure | ||||||||
| Dividend Yield | % | 9.89% | 10.00% | |||||
| Dividend Growth | % | - | - | |||||
| Payout Ratio | % | 124.65% | 1.25% | |||||
| FCF/Debt | x | 0.02 | 0.02 | |||||
| Net Debt/EBITDA | x | -713.86 | -713.86 | |||||
| EBIT/Net interest | x | 0.00 | 0.00 | |||||
| Net debt/market cap | % | 309.94% | 285.96% | |||||
| Net debt/Equity | x | 1.92 | 1.77 | |||||
| Gross debt/equity | x | 3.00 | 3.00 | |||||
Company overview
Geneva Finance Limited primarily operates in New Zealand and Tonga, extending financial credit to a broad spectrum of clients, including individuals, businesses, and other organizations. The company's core offerings include personal and vehicle loans. Its operations are organized into distinct segments: Corporate, New Business, Insurance, Old Business, Invoice Factoring, and Overseas. Beyond lending, Geneva Finance provides a range of insurance products, such as lifestyle protection, motor vehicle (including guaranteed asset protection, third party, and mechanical breakdown), and coverages for death, disablement, and redundancy risks. It also offers debt collection services. Furthermore, the company facilitates debtor financing for businesses, managing the collection of factored trade receivables, and engages in general money lending, collection, management, and wholesale funding arrangements. Headquartered in Auckland, New Zealand, Geneva Finance Limited was incorporated in 2002 and was known as GFNZ Group Limited until its name change in June 2016.
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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.
Geneva Finance Limited (GFL.NZ)
Geneva Finance Limited primarily operates in New Zealand and Tonga, extending financial credit to a broad spectrum of clients, including individuals, businesses, and other organizations. The company's core offerings include personal and vehicle loans. Its operations are organized into distinct segments: Corporate, New Business, Insurance, Old Business, Invoice Factoring, and Overseas. Beyond lending, Geneva Finance provides a range of insurance products, such as lifestyle protection, motor vehicle (including guaranteed asset protection, third party, and mechanical breakdown), and coverages for death, disablement, and redundancy risks. It also offers debt collection services. Furthermore, the company facilitates debtor financing for businesses, managing the collection of factored trade receivables, and engages in general money lending, collection, management, and wholesale funding arrangements. Headquartered in Auckland, New Zealand, Geneva Finance Limited was incorporated in 2002 and was known as GFNZ Group Limited until its name change in June 2016.
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