Clientèle Limited Logo

Clientèle Limited

CLI.JO

(2.8)
Stock Price

1.237,00 ZAc

3.48% ROA

14.15% ROE

10.94x PER

Market Cap.

5.791.372.020,00 ZAc

6.24% DER

0% Yield

15.64% NPM

Clientèle Limited Stock Analysis

Clientèle Limited Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Clientèle Limited Fundamental Stock Analysis
# Analysis Rating
1 ROE

The stock's ROE exceeds expectations (43.88%), revealing strong profitability and efficient use of shareholders' equity, making it an attractive investment opportunity.

2 DER

The stock has a minimal amount of debt (9%) relative to its ownership, showcasing a strong financial position and lower risk for investors.

3 Dividend

Investors can take comfort in the company's unwavering commitment to dividends, as it has consistently distributed payouts over the past five years, ensuring a reliable income stream.

4 ROA

The stock's ROA (4.67%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

5 Revenue Growth

This company's revenue has shown remarkable growth over the past three years, making it an excellent choice for seeking a consistently prosperous investment.

6 Net Profit Growth

Over the last three years, this company has consistently achieved net profit growth, indicating a favorable financial performance and making it an attractive investment option.

7 Assets Growth

Over the past three years, this company's revenue has consistently grown, demonstrating a positive financial trend that makes it an appealing choice.

8 Dividend Growth

Investors can take confidence in the company's impressive track record of annual dividend growth over the last three years, showcasing a commitment to providing higher returns.

9 PBV

The stock's high Price-to-Book Value (P/BV) ratio (3.1x) suggests it's overvalued, potentially making it an expensive investment.

10 Graham Number

The Graham number analysis indicates that this company's stock price is likely overpriced, raising concerns about its investment potential.

11 Buffet Intrinsic Value

The company's stock presents a potential concern as it appears overvalued (56) by Warren Buffett's formula, indicating that its market price exceeds its estimated intrinsic value.

Clientèle Limited Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Clientèle Limited Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

Clientèle Limited Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Clientèle Limited Revenue
Year Revenue Growth
2001 188.518.000
2002 253.495.000 25.63%
2003 318.112.000 20.31%
2004 514.139.000 38.13%
2005 623.334.000 17.52%
2006 860.958.000 27.6%
2007 966.431.000 10.91%
2008 1.166.310.000 17.14%
2009 1.138.071.000 -2.48%
2010 1.241.651.000 8.34%
2011 1.443.228.000 13.97%
2012 1.551.021.000 6.95%
2013 1.645.252.000 5.73%
2014 1.781.716.000 7.66%
2015 1.919.504.000 7.18%
2016 2.088.828.000 8.11%
2017 2.368.450.000 11.81%
2018 2.218.906.000 -6.74%
2019 2.261.389.000 1.88%
2020 2.504.275.000 9.7%
2021 2.432.378.000 -2.96%
2022 2.490.827.000 2.35%
2023 2.634.060.000 5.44%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Clientèle Limited Research and Development Expenses
Year Research and Development Expenses Growth
2001 0
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Clientèle Limited General and Administrative Expenses
Year General and Administrative Expenses Growth
2001 0
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 47.548.000 100%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 284.786.000 100%
2012 315.424.000 9.71%
2013 376.405.000 16.2%
2014 426.197.000 11.68%
2015 481.293.000 11.45%
2016 529.946.000 9.18%
2017 583.141.000 9.12%
2018 572.340.000 -1.89%
2019 546.667.000 -4.7%
2020 534.584.000 -2.26%
2021 453.950.000 -17.76%
2022 551.530.000 17.69%
2023 0 0%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Clientèle Limited EBITDA
Year EBITDA Growth
2001 59.074.000
2002 68.055.000 13.2%
2003 88.489.000 23.09%
2004 130.041.000 31.95%
2005 134.602.000 3.39%
2006 154.159.000 12.69%
2007 200.342.000 23.05%
2008 218.913.000 8.48%
2009 269.196.000 18.68%
2010 321.051.000 16.15%
2011 400.925.000 19.92%
2012 444.899.000 9.88%
2013 465.582.000 4.44%
2014 529.380.000 12.05%
2015 589.372.000 10.18%
2016 683.435.000 13.76%
2017 727.284.000 6.03%
2018 -807.398.000 190.08%
2019 -879.542.000 8.2%
2020 -321.710.000 -173.4%
2021 -136.941.000 -134.93%
2022 -660.426.000 79.26%
2023 -39.828.000 -1558.2%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Clientèle Limited Gross Profit
Year Gross Profit Growth
2001 188.518.000
2002 253.495.000 25.63%
2003 318.112.000 20.31%
2004 514.139.000 38.13%
2005 623.334.000 17.52%
2006 860.958.000 27.6%
2007 966.431.000 10.91%
2008 1.166.310.000 17.14%
2009 1.138.071.000 -2.48%
2010 1.241.651.000 8.34%
2011 1.443.228.000 13.97%
2012 1.551.021.000 6.95%
2013 1.645.252.000 5.73%
2014 1.781.716.000 7.66%
2015 1.919.504.000 7.18%
2016 2.088.828.000 8.11%
2017 2.368.450.000 11.81%
2018 2.218.906.000 -6.74%
2019 2.261.389.000 1.88%
2020 2.504.275.000 9.7%
2021 2.432.378.000 -2.96%
2022 2.490.827.000 2.35%
2023 4.646.040.000 46.39%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Clientèle Limited Net Profit
Year Net Profit Growth
2001 44.510.000
2002 49.295.000 9.71%
2003 61.519.000 19.87%
2004 83.356.000 26.2%
2005 90.779.000 8.18%
2006 104.837.000 13.41%
2007 134.206.000 21.88%
2008 137.960.000 2.72%
2009 148.459.000 7.07%
2010 190.226.000 21.96%
2011 238.432.000 20.22%
2012 293.095.000 18.65%
2013 307.811.000 4.78%
2014 361.643.000 14.89%
2015 410.486.000 11.9%
2016 466.498.000 12.01%
2017 490.302.000 4.85%
2018 400.937.000 -22.29%
2019 328.517.000 -22.04%
2020 392.255.000 16.25%
2021 420.353.000 6.68%
2022 487.700.000 13.81%
2023 314.784.000 -54.93%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Clientèle Limited Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2001 1
2002 2 0%
2003 2 0%
2004 2 50%
2005 3 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 1 0%
2011 1 0%
2012 1 0%
2013 1 0%
2014 1 100%
2015 1 0%
2016 1 0%
2017 1 0%
2018 1 0%
2019 1 0%
2020 1 100%
2021 1 0%
2022 1 0%
2023 1 0%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Clientèle Limited Free Cashflow
Year Free Cashflow Growth
2001 59.651.000
2002 10.586.000 -463.49%
2003 115.665.000 90.85%
2004 402.832.000 71.29%
2005 37.892.000 -963.11%
2006 53.423.000 29.07%
2007 106.393.000 49.79%
2008 -164.245.000 164.78%
2009 -33.545.000 -389.63%
2010 59.036.000 156.82%
2011 49.340.000 -19.65%
2012 12.207.000 -304.19%
2013 18.465.000 33.89%
2014 93.152.000 80.18%
2015 17.303.000 -438.36%
2016 11.467.000 -50.89%
2017 171.366.000 93.31%
2018 -126.332.000 235.65%
2019 261.077.000 148.39%
2020 -6.512.000 4109.17%
2021 85.150.000 107.65%
2022 -237.437.000 135.86%
2023 192.398.000 223.41%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Clientèle Limited Operating Cashflow
Year Operating Cashflow Growth
2001 59.651.000
2002 10.586.000 -463.49%
2003 115.665.000 90.85%
2004 402.832.000 71.29%
2005 37.892.000 -963.11%
2006 53.423.000 29.07%
2007 182.518.000 70.73%
2008 -98.846.000 284.65%
2009 4.060.000 2534.63%
2010 90.497.000 95.51%
2011 72.966.000 -24.03%
2012 28.235.000 -158.42%
2013 49.245.000 42.66%
2014 128.721.000 61.74%
2015 73.061.000 -76.18%
2016 41.503.000 -76.04%
2017 200.483.000 79.3%
2018 -89.055.000 325.12%
2019 310.547.000 128.68%
2020 38.348.000 -709.81%
2021 120.586.000 68.2%
2022 -212.278.000 156.81%
2023 200.699.000 205.77%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Clientèle Limited Capital Expenditure
Year Capital Expenditure Growth
2001 0
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 76.125.000 100%
2008 65.399.000 -16.4%
2009 37.605.000 -73.91%
2010 31.461.000 -19.53%
2011 23.626.000 -33.16%
2012 16.028.000 -47.4%
2013 30.780.000 47.93%
2014 35.569.000 13.46%
2015 55.758.000 36.21%
2016 30.036.000 -85.64%
2017 29.117.000 -3.16%
2018 37.277.000 21.89%
2019 49.470.000 24.65%
2020 44.860.000 -10.28%
2021 35.436.000 -26.59%
2022 25.159.000 -40.85%
2023 8.301.000 -203.08%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Clientèle Limited Equity
Year Equity Growth
2001 192.284.000
2002 252.134.000 23.74%
2003 417.044.000 39.54%
2004 807.375.000 48.35%
2005 123.608.000 -553.17%
2006 169.547.000 27.1%
2007 217.789.000 22.15%
2008 279.300.000 22.02%
2009 304.903.000 8.4%
2010 353.220.000 13.68%
2011 440.004.000 19.72%
2012 529.420.000 16.89%
2013 618.846.000 14.45%
2014 740.195.000 16.39%
2015 865.548.000 14.48%
2016 1.015.996.000 14.81%
2017 1.129.667.000 10.06%
2018 1.125.899.000 -0.33%
2019 1.013.710.000 -11.07%
2020 1.080.661.000 6.2%
2021 1.142.144.000 5.38%
2022 1.176.038.000 2.88%
2023 3.282.851.000 64.18%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Clientèle Limited Assets
Year Assets Growth
2001 211.975.000
2002 287.789.000 26.34%
2003 464.948.000 38.1%
2004 866.327.000 46.33%
2005 1.041.237.000 16.8%
2006 1.273.687.000 18.25%
2007 1.494.265.000 14.76%
2008 1.810.852.000 17.48%
2009 2.004.469.000 9.66%
2010 2.498.637.000 19.78%
2011 2.947.140.000 15.22%
2012 2.957.113.000 0.34%
2013 2.648.010.000 -11.67%
2014 2.755.006.000 3.88%
2015 2.916.852.000 5.55%
2016 3.293.072.000 11.42%
2017 4.721.906.000 30.26%
2018 9.252.370.000 48.97%
2019 9.695.626.000 4.57%
2020 9.735.283.000 0.41%
2021 10.478.078.000 7.09%
2022 12.157.900.000 13.82%
2023 11.290.938.000 -7.68%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Clientèle Limited Liabilities
Year Liabilities Growth
2001 0
2002 35.655.000 100%
2003 47.904.000 25.57%
2004 58.952.000 18.74%
2005 917.629.000 93.58%
2006 1.104.140.000 16.89%
2007 1.276.476.000 13.5%
2008 1.531.552.000 16.65%
2009 1.699.566.000 9.89%
2010 2.145.417.000 20.78%
2011 2.507.136.000 14.43%
2012 2.427.693.000 -3.27%
2013 2.029.164.000 -19.64%
2014 2.014.811.000 -0.71%
2015 2.051.304.000 1.78%
2016 2.277.076.000 9.91%
2017 3.592.239.000 36.61%
2018 8.126.471.000 55.8%
2019 8.681.916.000 6.4%
2020 8.654.622.000 -0.32%
2021 9.335.934.000 7.3%
2022 10.984.938.000 15.01%
2023 1.268.309.000 -766.11%

Clientèle Limited Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
7.47
Net Income per Share
1.17
Price to Earning Ratio
10.94x
Price To Sales Ratio
2.31x
POCF Ratio
-27.77
PFCF Ratio
-31.09
Price to Book Ratio
1.31
EV to Sales
2.27
EV Over EBITDA
-24.48
EV to Operating CashFlow
-36.78
EV to FreeCashFlow
-30.49
Earnings Yield
0.09
FreeCashFlow Yield
-0.03
Market Cap
5,79 Bil.
Enterprise Value
5,68 Bil.
Graham Number
16.04
Graham NetNet
-2.83

Income Statement Metrics

Net Income per Share
1.17
Income Quality
-0.39
ROE
0.14
Return On Assets
0.03
Return On Capital Employed
0.05
Net Income per EBT
0.77
EBT Per Ebit
0.83
Ebit per Revenue
0.24
Effective Tax Rate
0.22

Margins

Sales, General, & Administrative to Revenue
0
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1.05
Operating Profit Margin
0.24
Pretax Profit Margin
0.2
Net Profit Margin
0.16

Dividends

Dividend Yield
0
Dividend Yield %
0
Payout Ratio
1.62
Dividend Per Share
0

Operating Metrics

Operating Cashflow per Share
-0.46
Free CashFlow per Share
-0.56
Capex to Operating CashFlow
-0.21
Capex to Revenue
0.01
Capex to Depreciation
4.88
Return on Invested Capital
0.14
Return on Tangible Assets
0.03
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
-13.56
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
-26.91
Capex per Share
0.1

Balance Sheet

Cash per Share
0,95
Book Value per Share
29,88
Tangible Book Value per Share
29.77
Shareholders Equity per Share
9.79
Interest Debt per Share
0.67
Debt to Equity
0.06
Debt to Assets
0.02
Net Debt to EBITDA
0.48
Current Ratio
0
Tangible Asset Value
9,99 Bil.
Net Current Asset Value
-0,95 Bil.
Invested Capital
413536000
Working Capital
0,32 Bil.
Intangibles to Total Assets
0
Average Receivables
-0,14 Bil.
Average Payables
0,03 Bil.
Average Inventory
4100500
Debt to Market Cap
0.04

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Clientèle Limited Dividends
Year Dividends Growth
2000 149
2001 62 -140.32%
2002 206 69.9%
2003 48 -329.17%
2004 200 76%
2005 250 20%
2006 260 3.85%
2007 300 13.33%
2008 39 -669.23%
2009 42 7.14%
2010 47 10.64%
2011 54 11.32%
2012 67 20.9%
2013 74 9.46%
2014 78 5.13%
2015 90 13.33%
2016 100 10%
2017 115 13.04%
2018 125 8%
2019 131 4.58%
2020 95 -37.89%
2021 110 13.64%
2022 120 8.33%
2023 125 4%
2024 125 0%

Clientèle Limited Profile

About Clientèle Limited

Clientèle Limited, through its subsidiaries, provides financial products and services in South Africa. It operates in three segments: Long-Term Insurance, Short-Term Insurance, and CBC Rewards and Clientèle Mobile. The company underwrites, markets, and distributes insurance and investment products. It offers funeral, hospital, legal, and life insurance products; and provides estate preservation, wealth, investment, and credit life plans, as well as financial advisory services. The company also offers short-term insurance products, such as personal and business lines legal insurance policies. In addition, it provides rewards benefits to its clients from a range of retailers and service providers; and airtime and data to the CBC Rewards clients. The company is headquartered in Morningside, South Africa. Clientèle Limited is a subsidiary of Friedshelf 1577 Proprietary Limited.

CEO
Mr. Basil William Reekie B.Sc.
Employee
3.663
Address
ClientEle Office Park
Morningside, 2196

Clientèle Limited Executives & BODs

Clientèle Limited Executives & BODs
# Name Age
1 Ms. Laura Ann Botha
Group Executive of Marketing & Media
70
2 Tshepisho Tabane
Executive Director
70
3 Mr. Johan Lodewicus Potgieter B.Sc., BCom (Hons), CERA, FASSA
Chief Risk Officer & Head of Actuarial Function
70
4 Ms. Ramaesela Dorcas Tshepisho Zwane B.Arts, Masters, MBA
Group HR Director
70
5 Mr. Hugo Louw BSc (Hons), FASSA
MD of Clientele Life & Executive Director
70
6 Ms. Angela Colleen Pillay C.A.
Chief Financial Officer
70
7 Ms. Tiffany Boesch C.A.
Group Chief Operating Officer
70
8 Mr. Eben Johan Smit
Head of Group Legal & Company Secretary
70
9 Mr. Franco Pretorius
Group Executive of Sales
70
10 Mr. Basil William Reekie B.Sc., BSc (Hons), FASSA
Group MD & Executive Director
70

Clientèle Limited Competitors