Stock 1225 LERADO FINANCIAL GROUP COMPANY LIMITED
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Financials Lerado Financial Group Company Limited

Equities

1225

BMG5454H1473

Consumer Lending

Market Closed - Hong Kong S.E.
Other stock markets
 04:08:22 2024-04-29 am EDT 		5-day change 1st Jan Change
0.182 HKD -8.54% Intraday chart for Lerado Financial Group Company Limited +8.33% -32.59%
Mar. 28 Lerado Financial Group Company Limited Reports Earnings Results for the Full Year Ended December 31, 2023 CI
2023 Lerado Financial Shrinks Loss by 5X in H1 MT

Valuation

Fiscal Period: December 2017 2018 2019 2020 2021 2022
Capitalization 1 292.5 292.5 292.5 292.5 76.01 43.76
Enterprise Value (EV) 1 695 754.2 787.5 805.2 570 569.2
P/E ratio -0.55 x -4.29 x -3.39 x -21.2 x -1.16 x -0.12 x
Yield - - - - - -
Capitalization / Revenue 1.3 x 1.19 x 1.18 x 1.4 x 0.35 x 0.2 x
EV / Revenue 3.1 x 3.06 x 3.18 x 3.85 x 2.65 x 2.61 x
EV / EBITDA 21.3 x 25.8 x 8.01 x 8.61 x 21.7 x -2.5 x
EV / FCF -1.18 x 45.3 x 12.2 x 189 x -62.6 x 3.83 x
FCF Yield -85% 2.21% 8.21% 0.53% -1.6% 26.1%
Price to Book 0.23 x 0.25 x 0.26 x 0.26 x 0.07 x 0.06 x
Nbr of stocks (in thousands) 230,322 230,322 230,322 230,322 230,322 230,322
Reference price 2 1.270 1.270 1.270 1.270 0.3300 0.1900
Announcement Date 4/27/18 4/29/19 5/15/20 4/29/21 4/29/22 4/27/23
1HKD in Million2HKD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2017 2018 2019 2020 2021 2022
Net sales 1 224.2 246.3 247.6 208.9 215.3 218.2
EBITDA 1 32.64 29.28 98.31 93.48 26.23 -227.5
EBIT 1 26.93 23.92 93.82 89.15 22.83 -232.6
Operating Margin 12.01% 9.71% 37.89% 42.68% 10.61% -106.58%
Earnings before Tax (EBT) 1 -612 -64.15 -95.37 -22.74 -62.89 -345.6
Net income 1 -535 -68.09 -86.17 -13.78 -65.71 -367.1
Net margin -238.59% -27.64% -34.8% -6.6% -30.52% -168.2%
EPS 2 -2.323 -0.2960 -0.3741 -0.0600 -0.2853 -1.594
Free Cash Flow 1 -590.8 16.63 64.68 4.251 -9.102 148.4
FCF margin -263.51% 6.75% 26.12% 2.04% -4.23% 68.02%
FCF Conversion (EBITDA) - 56.8% 65.8% 4.55% - -
FCF Conversion (Net income) - - - - - -
Dividend per Share - - - - - -
Announcement Date 4/27/18 4/29/19 5/15/20 4/29/21 4/29/22 4/27/23
1HKD in Million2HKD
Estimates

Balance Sheet Analysis

Fiscal Period: December 2017 2018 2019 2020 2021 2022
Net Debt 1 402 462 495 513 494 525
Net Cash position 1 - - - - - -
Leverage (Debt/EBITDA) 12.33 x 15.77 x 5.035 x 5.484 x 18.83 x -2.309 x
Free Cash Flow 1 -591 16.6 64.7 4.25 -9.1 148
ROE (net income / shareholders' equity) -34.3% -5.43% -7.49% -1.26% -5.8% -42.3%
ROA (Net income/ Total Assets) 0.7% 0.67% 2.75% 2.66% 0.69% -7.83%
Assets 1 -76,119 -10,225 -3,136 -517.5 -9,542 4,689
Book Value Per Share 2 5.630 5.180 4.810 4.840 4.580 2.960
Cash Flow per Share 2 1.590 1.390 1.200 1.000 0.6500 0.7600
Capex 1 1.57 0.96 0.15 0.42 2.43 0.37
Capex / Sales 0.7% 0.39% 0.06% 0.2% 1.13% 0.17%
Announcement Date 4/27/18 4/29/19 5/15/20 4/29/21 4/29/22 4/27/23
1HKD in Million2HKD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

Sector Consumer Leasing

1st Jan change Capi.
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Consumer Leasing
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