Financials Unifin Financiera, S. A. B. de C. V.

Equities

UNIFIN A

MX00UN000002

Consumer Lending

End-of-day quote Mexican S.E. 06:00:00 2023-01-28 pm EST 5-day change 1st Jan Change
1.2 MXN -.--% Intraday chart for Unifin Financiera, S. A. B. de C. V. -.--% -.--%

Valuation

Fiscal Period: December 2017 2018 2019 2020 2021 2022
Capitalization 1 28,046 17,692 12,849 24,390 19,545 622.9
Enterprise Value (EV) 1 66,419 63,031 75,068 90,586 93,642 72,201
P/E ratio 19.4 x 7.66 x 5.21 x 6.85 x 11.4 x -0.08 x
Yield 1.5% 2.38% - - - -
Capitalization / Revenue 2.71 x 1.34 x 3.79 x 9.27 x 6.02 x -0.12 x
EV / Revenue 6.41 x 4.78 x 22.2 x 34.4 x 28.8 x -13.6 x
EV / EBITDA - - - - - -
EV / FCF - - - - - -
FCF Yield - - - - - -
Price to Book 3.1 x 1.08 x 1.52 x 1.45 x 2.02 x 0.15 x
Nbr of stocks (in thousands) 434,976 434,976 427,225 893,428 521,750 519,092
Reference price 2 64.48 40.67 30.08 27.30 37.46 1.200
Announcement Date 5/3/18 3/26/19 6/10/20 4/30/21 5/20/22 3/20/24
1MXN in Million2MXN
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2017 2018 2019 2020 2021 2022
Net sales 1 10,355 13,179 3,389 2,632 3,248 -5,309
EBITDA - - - - - -
EBIT - - - - - -
Operating Margin - - - - - -
Earnings before Tax (EBT) 1 2,332 2,482 2,403 1,788 1,863 -8,948
Net income 1 1,768 1,924 1,949 1,364 1,495 -6,465
Net margin 17.07% 14.6% 57.51% 51.82% 46.03% 121.77%
EPS 2 3.319 5.313 5.775 3.983 3.286 -15.21
Free Cash Flow - - - - - -
FCF margin - - - - - -
FCF Conversion (EBITDA) - - - - - -
FCF Conversion (Net income) - - - - - -
Dividend per Share 2 0.9677 0.9677 - - - -
Announcement Date 5/3/18 3/26/19 6/10/20 4/30/21 5/20/22 3/20/24
1MXN in Million2MXN
Estimates

Balance Sheet Analysis

Fiscal Period: December 2017 2018 2019 2020 2021 2022
Net Debt 1 38,372 45,339 62,219 66,197 74,097 71,578
Net Cash position 1 - - - - - -
Leverage (Debt/EBITDA) - - - - - -
Free Cash Flow - - - - - -
ROE (net income / shareholders' equity) 27.1% 18.7% 19% 11.3% 11.4% -61.8%
ROA (Net income/ Total Assets) 3.68% 3.14% 2.79% 1.66% 1.66% -7.26%
Assets 1 48,038 61,200 69,775 82,120 90,288 89,074
Book Value Per Share 2 20.80 37.60 19.80 18.80 18.60 7.870
Cash Flow per Share 2 0.5400 1.090 11.90 7.880 9.760 3.340
Capex 1 16,744 17,545 2,208 978 125 1,049
Capex / Sales 161.7% 133.13% 65.14% 37.15% 3.86% -19.76%
Announcement Date 5/3/18 3/26/19 6/10/20 4/30/21 5/20/22 3/20/24
1MXN in Million2MXN
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

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