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Unet Credit Finance Services Ltd (UNCR.TA)
Key financial summary
Financials in ILS| 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | TTM | ||
|---|---|---|---|---|---|---|---|---|
| Total revenue | ILS m | 0 | 0 | 0 | 3 | 18 | 34 | 34 |
| Operating profit | ILS m | -7 | -7 | |||||
| Net profit | ILS m | -3 | 15 | -1 | 0 | -11 | -7 | -7 |
| EPS reported | ILS | -1.07 | -1.07 | |||||
| Operating cashflow per share | ILS | -8.39 | -8.39 | |||||
| Capex per share | ILS | 0.16 | 0.16 | |||||
| FCF per share | ILS | -8.54 | -8.54 | |||||
| Free cash flow | ILS m | -52 | -52 | |||||
| Net debt | ILS m | 99 | 99 | |||||
| Book value equity | ILS m | 78 | 78 | |||||
| Book value per share | ILS | 12.68 | 13.99 | |||||
| Number of shares | m | 6.13 | 5.55 | |||||
| DPS (TTM paid) | ILS | 0.00 | 0.00 |
Financial summary
Financials in ILS| 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | TTM | ||
|---|---|---|---|---|---|---|---|---|
| Value | ||||||||
| P/E TTM | x | - | - | |||||
| P/B LTM | x | 1.02 | 25.36 | |||||
| P/S LTM | x | 2.36 | 58.37 | |||||
| P/FCF LTM | x | -1.53 | -37.81 | |||||
| EV/EBITDA LTM | x | -30.98 | -354.36 | |||||
| EV/Sales LTM | x | 5.36 | 61.31 | |||||
| Earnings Yield LTM | % | -8.21% | -35.67% | |||||
| FCF Yield | % | -65.49% | -2.64% | |||||
| Quality | ||||||||
| ROE | % | -8.41% | -12.05% | |||||
| ROIC | % | -3.25% | -3.25% | |||||
| Operating margin | % | -19.36% | -19.36% | |||||
| Gross margin | % | 66.64% | 66.64% | |||||
| FCF/Sales | % | -154.49% | -154.49% | |||||
| Growth and momentum | ||||||||
| EPS Growth YoY | % | - | - | |||||
| Sales Growth YoY | % | +84.24% | +84.24% | |||||
| Net Income Growth YoY | % | - | - | |||||
| FCF Growth | % | - | - | |||||
| Operating Profit Growth | % | - | - | |||||
| Dividend and capital structure | ||||||||
| Dividend Yield | % | 0.00% | 0.00% | |||||
| Dividend Growth | % | 0.00% | 0.00% | |||||
| Payout Ratio | % | 0.00% | 0.00% | |||||
| FCF/Debt | x | -0.42 | -0.42 | |||||
| Net Debt/EBITDA | x | -17.35 | -17.35 | |||||
| EBIT/Net interest | x | 0.00 | 0.00 | |||||
| Net debt/market cap | % | 124.48% | 5.03% | |||||
| Net debt/Equity | x | 1.28 | 1.28 | |||||
| Gross debt/equity | x | 1.59 | 1.59 | |||||
Company overview
Unet Credit Finance Services Ltd, based in Holon, Israel, provides a comprehensive array of financial products and services. Formerly known as Speech Modules Holdings Ltd, the company offers diverse insurance solutions for both families and businesses across Israel. These include life, disability income, health, long-term care, and international travel coverage. Furthermore, their offerings extend to motor, home, commercial, officeholders', and professional indemnity policies, as well as property and general risk insurance. Beyond insurance, Unet Credit facilitates non-bank financing, oversees investment portfolios and mutual funds for individual and corporate clients, and delivers expert pension consulting, fund transfer, and financial advisory services.
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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.
Unet Credit Finance Services Ltd (UNCR.TA)
Unet Credit Finance Services Ltd, based in Holon, Israel, provides a comprehensive array of financial products and services. Formerly known as Speech Modules Holdings Ltd, the company offers diverse insurance solutions for both families and businesses across Israel. These include life, disability income, health, long-term care, and international travel coverage. Furthermore, their offerings extend to motor, home, commercial, officeholders', and professional indemnity policies, as well as property and general risk insurance. Beyond insurance, Unet Credit facilitates non-bank financing, oversees investment portfolios and mutual funds for individual and corporate clients, and delivers expert pension consulting, fund transfer, and financial advisory services.
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