Financials Ellinas Finance

Equities

ELF

CY0006191312

Consumer Lending

End-of-day quote CYPRUS S.E. 06:00:00 2024-04-25 pm EDT 5-day change 1st Jan Change
0.39 EUR -8.88% Intraday chart for Ellinas Finance -.--% -2.50%

Valuation

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Capitalization 1 5.28 5.024 5.28 5.6 5.728 6.4
Enterprise Value (EV) 1 4.512 2.767 7.223 8.469 9.527 13.16
P/E ratio 14.4 x 9.19 x 10.4 x 12.6 x 10.4 x 8.59 x
Yield 4.55% 6.37% 6.06% 5.71% 6.98% 6.88%
Capitalization / Revenue 3.78 x 3.33 x 3.53 x 3.46 x 3.07 x 3.04 x
EV / Revenue 3.23 x 1.83 x 4.83 x 5.23 x 5.11 x 6.24 x
EV / EBITDA - - - - - -
EV / FCF - - - - - -
FCF Yield - - - - - -
Price to Book 0.7 x 0.64 x 0.65 x 0.65 x 0.68 x 0.74 x
Nbr of stocks (in thousands) 16,000 16,000 16,000 16,000 16,000 16,000
Reference price 2 0.3300 0.3140 0.3300 0.3500 0.3580 0.4000
Announcement Date 4/24/19 5/27/20 4/29/21 4/28/22 4/25/23 4/26/24
1EUR in Million2EUR
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net sales 1 1.397 1.509 1.495 1.62 1.864 2.109
EBITDA - - - - - -
EBIT - - - - - -
Operating Margin - - - - - -
Earnings before Tax (EBT) 1 0.4328 0.4793 0.512 0.5218 0.5715 0.8575
Net income 1 0.4322 0.5467 0.5099 0.4449 0.5502 0.7455
Net margin 30.94% 36.22% 34.1% 27.46% 29.51% 35.35%
EPS 2 0.0229 0.0342 0.0319 0.0278 0.0344 0.0466
Free Cash Flow - - - - - -
FCF margin - - - - - -
FCF Conversion (EBITDA) - - - - - -
FCF Conversion (Net income) - - - - - -
Dividend per Share 2 0.0150 0.0200 0.0200 0.0200 0.0250 0.0275
Announcement Date 4/24/19 5/27/20 4/29/21 4/28/22 4/25/23 4/26/24
1EUR in Million2EUR
Estimates

Balance Sheet Analysis

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net Debt 1 - - 1.94 2.87 3.8 6.76
Net Cash position 1 0.77 2.26 - - - -
Leverage (Debt/EBITDA) - - - - - -
Free Cash Flow - - - - - -
ROE (net income / shareholders' equity) 5.7% 7.07% 6.38% 5.33% 6.48% 8.72%
ROA (Net income/ Total Assets) 5.35% 4.77% 3.73% 3.38% 3.86% 4.46%
Assets 1 8.077 11.45 13.67 13.15 14.24 16.7
Book Value Per Share 2 0.4700 0.4900 0.5100 0.5400 0.5200 0.5400
Cash Flow per Share 2 0.0400 0.2800 0.0400 0.0300 0.0300 0.0300
Capex 1 0.03 0.01 0.01 0.01 0.08 0.01
Capex / Sales 1.88% 0.44% 0.51% 0.36% 4.09% 0.3%
Announcement Date 4/24/19 5/27/20 4/29/21 4/28/22 4/25/23 4/26/24
1EUR in Million2EUR
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

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