Stock 5UA LUMINOR FINANCIAL HOLDINGS LIMITED
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Financials Luminor Financial Holdings Limited

Equities

5UA

SG2E72981474

Consumer Lending

Market Closed - Singapore S.E.
Other stock markets
 10:31:08 2024-04-22 pm EDT 		5-day change 1st Jan Change
0.058 SGD +3.57% Intraday chart for Luminor Financial Holdings Limited +3.57% +3.57%
Apr. 10 Luminor Financial’s Subsidiary Issues 18.7 Million Ringgit Redeemable Preference Shares MT
Apr. 09 Luminor Financial Posts Audited 2023 Profit MT

Valuation

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Capitalization 1 36.84 51.3 39.65 44.77 45.14 32.61
Enterprise Value (EV) 2 -106.3 -85.57 -60.76 -16.56 27.69 52.49
P/E ratio 4.02 x 33.3 x -11.1 x -7.38 x 5.38 x 110 x
Yield 59.5% 43.8% - - - -
Capitalization / Revenue 0.55 x 1.73 x 1.06 x 1.65 x 2.07 x 0.9 x
EV / Revenue -1.58 x -2.89 x -1.63 x -0.61 x 1.27 x 1.45 x
EV / EBITDA -31.1 x -12.8 x 16 x -2.11 x -6.39 x 3.95 x
EV / FCF -3.86 x -4.74 x 18.4 x 0.57 x -6.45 x -1.58 x
FCF Yield -25.9% -21.1% 5.43% 174% -15.5% -63.5%
Price to Book 0.22 x 0.35 x 0.34 x 0.42 x 0.69 x 0.47 x
Nbr of stocks (in thousands) 144,733 144,733 144,733 144,733 159,538 167,437
Reference price 3 0.2546 0.3544 0.2739 0.3094 0.2829 0.1947
Announcement Date 4/10/19 4/15/20 4/12/21 4/12/22 4/7/23 4/8/24
1MYR in Million2CNY in Million3MYR
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net sales 1 67.1 29.64 37.38 27.06 21.85 36.08
EBITDA 1 3.414 6.694 -3.794 7.847 -4.332 13.28
EBIT 1 3.372 6.681 -4.334 6.318 -5.013 12.56
Operating Margin 5.03% 22.54% -11.6% 23.34% -22.94% 34.81%
Earnings before Tax (EBT) 1 13.82 7.528 -4.16 -0.762 17.4 4.575
Net income 1 9.162 1.54 -3.571 -6.063 8.006 0.295
Net margin 13.66% 5.2% -9.55% -22.4% 36.64% 0.82%
EPS 2 0.0633 0.0106 -0.0247 -0.0419 0.0526 0.001768
Free Cash Flow 1 27.55 18.05 -3.3 -28.85 -4.292 -33.3
FCF margin 41.06% 60.92% -8.83% -106.61% -19.64% -92.3%
FCF Conversion (EBITDA) 807.04% 269.71% - - - -
FCF Conversion (Net income) 300.73% 1,172.35% - - - -
Dividend per Share 2 0.1515 0.1553 - - - -
Announcement Date 4/10/19 4/15/20 4/12/21 4/12/22 4/7/23 4/8/24
1CNY in Million2CNY
Estimates

Balance Sheet Analysis

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net Debt 1 - - - - - 19.9
Net Cash position 1 143 137 100 61.3 17.5 -
Leverage (Debt/EBITDA) - - - - - 1.497 x
Free Cash Flow 1 27.6 18.1 -3.3 -28.9 -4.29 -33.3
ROE (net income / shareholders' equity) 5.6% 0.98% -3.79% -2.97% 10.2% 0.93%
ROA (Net income/ Total Assets) 0.88% 1.98% -1.5% 2.37% -2.42% 4.33%
Assets 1 1,037 77.67 237.7 -255.9 -330.9 6.82
Book Value Per Share 2 1.150 1.010 0.8000 0.7400 0.4100 0.4100
Cash Flow per Share 2 1.040 0.8700 0.7300 0.4300 0.4200 0.4800
Capex 1 0.03 0 1.73 0.11 1.63 0.61
Capex / Sales 0.04% 0% 4.63% 0.41% 7.47% 1.68%
Announcement Date 4/10/19 4/15/20 4/12/21 4/12/22 4/7/23 4/8/24
1CNY in Million2CNY
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

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Other Consumer Lending
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