Old Mutual Limited Logo

Old Mutual Limited

OMU.JO

(3.2)
Stock Price

1.282,00 ZAc

0.62% ROA

12.46% ROE

8.03x PER

Market Cap.

55.719.448.560,00 ZAc

97.57% DER

6.33% Yield

4% NPM

Old Mutual Limited Stock Analysis

Old Mutual 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.

Old Mutual Limited Fundamental Stock Analysis
# Analysis Rating
1 PBV

With a remarkably low PBV ratio (0.85x), the stock offers substantial upside potential at a bargain price.

2 DER

The stock has a minimal amount of debt (26%) relative to its ownership, showcasing a strong financial position and lower risk for investors.

3 Assets Growth

This company's revenue has experienced steady growth over the last five years, indicating a reliable and prosperous financial trajectory.

4 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.

5 ROE

The stock's ROE falls within an average range (11.63%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

6 ROA

The stock's ROA (0.69%) 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.

7 Revenue Growth

Company's revenue has experienced consistent growth over the last three years, indicating a favorable financial trajectory and making it an attractive investment choice.

8 Net Profit Growth

This company's net profit has been consistently on the rise over the past three years, indicating a strong financial performance and making it an appealing investment opportunity.

9 Dividend Growth

The company's dividend growth has been consistently strong over the past three years, with annual increases that demonstrate its commitment to rewarding shareholders.

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 shows signs of being overvalued (-22) according to Warren Buffett's formula, indicating a potential downside as its market price exceeds its estimated intrinsic value.

Old Mutual 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.

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

Old Mutual 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.

Old Mutual Limited Revenue
Year Revenue Growth
1995 0
1996 0 0%
1998 0 0%
1999 0 0%
2000 0 0%
2001 0 0%
2002 0 0%
2003 1.947.617.142 100%
2004 126.711.476.139 98.46%
2005 156.601.232.362 19.09%
2006 262.199.293.509 40.27%
2007 270.550.928.683 3.09%
2007 240.452.869.410 -12.52%
2008 159.583.304.699 -50.68%
2009 246.370.879.873 35.23%
2010 219.380.796.857 -12.3%
2011 120.422.197.863 -82.18%
2012 269.420.865.273 55.3%
2013 339.160.012.697 20.56%
2014 276.707.667.662 -22.57%
2015 313.948.555.134 11.86%
2016 314.447.264.454 0.16%
2017 171.248.433.179 -83.62%
2018 108.210.000.000 -58.26%
2019 175.344.000.000 38.29%
2020 145.047.000.000 -20.89%
2021 246.219.000.000 41.09%
2022 113.209.000.000 -117.49%
2023 101.746.000.000 -11.27%

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.

Old Mutual Limited Research and Development Expenses
Year Research and Development Expenses Growth
1995 0
1996 0 0%
1998 0 0%
1999 0 0%
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 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.

Old Mutual Limited General and Administrative Expenses
Year General and Administrative Expenses Growth
1995 0
1996 0 0%
1998 0 0%
1999 0 0%
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 21.234.496.087 100%
2005 23.486.370.362 9.59%
2006 37.145.585.509 36.77%
2007 27.987.826.945 -32.72%
2007 38.279.225.899 26.89%
2008 38.907.354.225 1.61%
2009 36.665.601.345 -6.11%
2010 38.047.176.256 3.63%
2011 48.254.062.849 21.15%
2012 51.423.933.711 6.16%
2013 62.859.032.287 18.19%
2014 63.945.730.793 1.7%
2015 86.717.070.964 26.26%
2016 63.271.687.624 -37.06%
2017 11.399.822.384 -455.02%
2018 25.845.000.000 55.89%
2019 196.000.000 -13086.22%
2020 168.000.000 -16.67%
2021 203.000.000 17.24%
2022 1.778.000.000 88.58%
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.

Old Mutual Limited EBITDA
Year EBITDA Growth
1995 7.289.226.708
1996 5.267.551.961 -38.38%
1998 351.454.892 -1398.78%
1999 12.655.099.521 97.22%
2000 8.270.970.247 -53.01%
2001 1.566.110.893 -428.12%
2002 5.260.819.280 70.23%
2003 6.141.565.714 14.34%
2004 28.841.531.532 78.71%
2005 30.308.861.243 4.84%
2006 47.854.593.366 36.66%
2007 -30.816.652.542 255.29%
2007 55.330.015.111 155.7%
2008 53.171.553.604 -4.06%
2009 41.093.641.091 -29.39%
2010 33.324.573.064 -23.31%
2011 38.144.761.520 12.64%
2012 54.478.685.234 29.98%
2013 54.788.710.321 0.57%
2014 54.375.498.817 -0.76%
2015 74.813.370.879 27.32%
2016 64.201.904.898 -16.53%
2017 23.184.660.797 -176.92%
2018 42.705.000.000 45.71%
2019 11.206.000.000 -281.09%
2020 -3.489.000.000 421.18%
2021 10.883.000.000 132.06%
2022 10.169.000.000 -7.02%
2023 -374.000.000 2818.98%

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.

Old Mutual Limited Gross Profit
Year Gross Profit Growth
1995 0
1996 0 0%
1998 0 0%
1999 0 0%
2000 0 0%
2001 0 0%
2002 0 0%
2003 1.947.617.142 100%
2004 126.711.476.139 98.46%
2005 156.601.232.362 19.09%
2006 268.287.385.043 41.63%
2007 270.550.928.683 0.84%
2007 226.368.618.146 -19.52%
2008 159.583.304.699 -41.85%
2009 258.461.457.399 38.26%
2010 219.134.934.652 -17.95%
2011 122.564.317.475 -78.79%
2012 269.681.135.582 54.55%
2013 338.334.052.240 20.29%
2014 277.212.312.662 -22.05%
2015 313.694.794.086 11.63%
2016 314.582.568.784 0.28%
2017 171.248.433.179 -83.7%
2018 108.092.000.000 -58.43%
2019 175.344.000.000 38.35%
2020 145.047.000.000 -20.89%
2021 246.219.000.000 41.09%
2022 113.209.000.000 -117.49%
2023 376.992.000.000 69.97%

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.

Old Mutual Limited Net Profit
Year Net Profit Growth
1995 6.166.255.434
1996 4.241.209.458 -45.39%
1998 -986.026.226 530.13%
1999 10.605.610.133 109.3%
2000 5.717.364.679 -85.5%
2001 -4.593.925.287 224.45%
2002 2.167.844.165 311.91%
2003 3.261.960.000 33.54%
2004 6.074.761.163 46.3%
2005 9.449.040.883 35.71%
2006 11.463.163.339 17.57%
2007 12.317.223.118 6.93%
2007 12.805.101.874 3.81%
2008 5.628.798.600 -127.49%
2009 -4.439.975.163 226.78%
2010 -2.888.880.911 -53.69%
2011 8.355.519.190 134.57%
2012 16.068.266.980 48%
2013 12.131.294.213 -32.45%
2014 10.489.406.798 -15.65%
2015 14.164.480.333 25.95%
2016 9.640.433.559 -46.93%
2017 15.216.503.006 36.64%
2018 36.566.000.000 58.39%
2019 9.386.000.000 -289.58%
2020 -5.348.000.000 275.5%
2021 6.662.000.000 180.28%
2022 7.325.000.000 9.05%
2023 5.422.000.000 -35.1%

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.

Old Mutual Limited Earning per Share (EPS)
Year Earning per Share (EPS) Growth
1995 2
1996 1 -100%
1998 0 0%
1999 3 100%
2000 2 -200%
2001 -1 200%
2002 1 0%
2003 1 0%
2004 2 100%
2005 3 50%
2006 2 0%
2007 3 0%
2007 3 0%
2008 1 -100%
2009 -1 0%
2010 -1 0%
2011 2 100%
2012 3 66.67%
2013 3 -50%
2014 2 0%
2015 3 0%
2016 2 0%
2017 3 33.33%
2018 8 57.14%
2019 2 -250%
2020 -1 300%
2021 2 200%
2022 2 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.

Old Mutual Limited Free Cashflow
Year Free Cashflow Growth
1995 4.525.506.986
1996 4.090.276.737 -10.64%
1997 11.088.762.629 63.11%
1999 6.864.794.551 -61.53%
2000 9.717.260.126 29.35%
2001 13.085.726.573 25.74%
2002 16.307.158.974 19.75%
2003 2.831.811.428 -475.86%
2004 24.179.505.523 88.29%
2005 6.408.346.065 -277.31%
2006 83.464.444.074 92.32%
2007 54.948.991.888 -51.89%
2007 16.190.236.933 -239.4%
2008 24.492.138.298 33.9%
2009 10.109.298.287 -142.27%
2010 34.144.113.748 70.39%
2011 3.432.402.185 -894.76%
2012 30.109.165.235 88.6%
2013 47.234.613.639 36.26%
2014 63.603.293.113 25.74%
2015 125.427.165.423 49.29%
2016 76.514.598.987 -63.93%
2017 11.500.261.347 -565.33%
2018 24.334.000.000 52.74%
2019 10.228.000.000 -137.92%
2020 21.277.000.000 51.93%
2021 18.261.000.000 -16.52%
2022 29.234.000.000 37.54%
2023 1.128.500.000 -2490.52%

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.

Old Mutual Limited Operating Cashflow
Year Operating Cashflow Growth
1995 4.969.315.993
1996 4.709.100.893 -5.53%
1997 11.923.611.898 60.51%
1999 7.481.631.163 -59.37%
2000 11.016.661.190 32.09%
2001 15.034.664.574 26.72%
2002 16.666.165.015 9.79%
2003 2.831.811.428 -488.53%
2004 25.157.552.938 88.74%
2005 7.498.200.839 -235.51%
2006 85.699.486.687 91.25%
2007 58.745.616.142 -45.88%
2007 16.752.209.350 -250.67%
2008 26.098.405.216 35.81%
2009 12.269.608.783 -112.71%
2010 36.500.293.215 66.38%
2011 6.877.331.387 -430.73%
2012 32.739.265.202 78.99%
2013 50.658.908.035 35.37%
2014 67.748.591.333 25.23%
2015 131.263.669.535 48.39%
2016 80.911.989.734 -62.23%
2017 12.889.667.013 -527.73%
2018 24.937.000.000 48.31%
2019 12.152.000.000 -105.21%
2020 23.323.000.000 47.9%
2021 20.119.000.000 -15.93%
2022 31.442.000.000 36.01%
2023 1.406.500.000 -2135.48%

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.

Old Mutual Limited Capital Expenditure
Year Capital Expenditure Growth
1995 443.809.006
1996 618.824.156 28.28%
1997 834.849.268 25.88%
1999 616.836.612 -35.34%
2000 1.299.401.063 52.53%
2001 1.948.938.000 33.33%
2002 359.006.040 -442.87%
2003 0 0%
2004 978.047.414 100%
2005 1.089.854.773 10.26%
2006 2.235.042.613 51.24%
2007 3.796.624.254 41.13%
2007 561.972.417 -575.59%
2008 1.606.266.918 65.01%
2009 2.160.310.496 25.65%
2010 2.356.179.467 8.31%
2011 3.444.929.201 31.6%
2012 2.630.099.966 -30.98%
2013 3.424.294.395 23.19%
2014 4.145.298.219 17.39%
2015 5.836.504.111 28.98%
2016 4.397.390.746 -32.73%
2017 1.389.405.665 -216.49%
2018 603.000.000 -130.42%
2019 1.924.000.000 68.66%
2020 2.046.000.000 5.96%
2021 1.858.000.000 -10.12%
2022 2.208.000.000 15.85%
2023 278.000.000 -694.24%

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.

Old Mutual Limited Equity
Year Equity Growth
1995 29.372.086.955
1996 34.367.380.559 14.53%
1997 29.219.724.380 -17.62%
1998 23.391.275.623 -24.92%
1999 43.477.032.159 46.2%
2000 52.326.315.868 16.91%
2001 52.812.739.563 0.92%
2002 0 0%
2003 48.558.994.285 100%
2004 51.032.340.646 4.85%
2005 69.957.777.892 27.05%
2006 99.233.149.624 29.5%
2007 130.595.709.548 24.02%
2008 131.480.498.029 0.67%
2009 127.840.252.607 -2.85%
2010 117.542.622.606 -8.76%
2011 136.018.331.883 13.58%
2012 134.217.288.893 -1.34%
2013 155.504.263.558 13.69%
2014 172.029.876.104 9.61%
2015 206.100.109.600 16.53%
2016 188.884.845.601 -9.11%
2017 183.250.889.346 -3.07%
2018 81.420.000.000 -125.07%
2019 77.925.000.000 -4.49%
2020 69.323.000.000 -12.41%
2021 65.301.000.000 -6.16%
2022 66.546.000.000 1.87%
2023 58.575.000.000 -13.61%

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.

Old Mutual Limited Assets
Year Assets Growth
1995 250.469.664.596
1996 293.775.448.055 14.74%
1997 320.238.357.454 8.26%
1998 307.220.389.243 -4.24%
1999 387.572.371.813 20.73%
2000 524.573.858.883 26.12%
2001 779.644.805.079 32.72%
2002 684.431.207.538 -13.91%
2003 689.611.800.000 0.75%
2004 741.316.471.382 6.97%
2005 878.139.584.967 15.58%
2006 1.742.085.453.458 49.59%
2007 1.942.401.956.965 10.31%
2008 1.980.829.142.457 1.94%
2009 1.955.092.934.236 -1.32%
2010 1.982.796.730.954 1.4%
2011 2.034.199.375.853 2.53%
2012 1.965.684.660.574 -3.49%
2013 2.414.747.018.864 18.6%
2014 2.568.570.961.026 5.99%
2015 3.080.843.679.995 16.63%
2016 2.901.736.675.336 -6.17%
2017 3.043.836.275.849 4.67%
2018 881.615.000.000 -245.26%
2019 910.902.000.000 3.22%
2020 940.682.000.000 3.17%
2021 1.053.854.000.000 10.74%
2022 1.064.456.000.000 1%
2023 1.147.784.000.000 7.26%

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.

Old Mutual Limited Liabilities
Year Liabilities Growth
1995 383.289.596
1996 369.785.166 -3.65%
1997 353.583.219 -4.58%
1998 585.758.154 39.64%
1999 1.631.632.328 64.1%
2000 52.179.427.052 96.87%
2001 77.017.853.479 32.25%
2002 684.431.207.538 88.75%
2003 641.052.805.714 -6.77%
2004 690.284.130.735 7.13%
2005 808.181.807.075 14.59%
2006 1.642.852.303.834 50.81%
2007 1.811.806.247.416 9.33%
2008 1.849.348.644.427 2.03%
2009 1.827.252.681.629 -1.21%
2010 1.865.254.108.346 2.04%
2011 1.898.181.043.969 1.73%
2012 1.831.467.371.681 -3.64%
2013 2.259.242.755.305 18.93%
2014 2.396.541.084.920 5.73%
2015 2.874.743.570.393 16.63%
2016 2.712.851.829.734 -5.97%
2017 2.860.585.386.502 5.16%
2018 800.195.000.000 -257.49%
2019 832.977.000.000 3.94%
2020 871.359.000.000 4.4%
2021 988.553.000.000 11.86%
2022 997.910.000.000 0.94%
2023 1.089.209.000.000 8.38%

Old Mutual Limited Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
39.77
Net Income per Share
1.59
Price to Earning Ratio
8.03x
Price To Sales Ratio
0.32x
POCF Ratio
10.39
PFCF Ratio
13.24
Price to Book Ratio
1.01
EV to Sales
0.41
EV Over EBITDA
-226.21
EV to Operating CashFlow
13.35
EV to FreeCashFlow
17.34
Earnings Yield
0.12
FreeCashFlow Yield
0.08
Market Cap
55,72 Bil.
Enterprise Value
72,95 Bil.
Graham Number
21.27
Graham NetNet
-221.51

Income Statement Metrics

Net Income per Share
1.59
Income Quality
0.77
ROE
0.12
Return On Assets
0.01
Return On Capital Employed
0.02
Net Income per EBT
0.52
EBT Per Ebit
1.39
Ebit per Revenue
0.06
Effective Tax Rate
0.46

Margins

Sales, General, & Administrative to Revenue
0
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1.39
Operating Profit Margin
0.06
Pretax Profit Margin
0.08
Net Profit Margin
0.04

Dividends

Dividend Yield
0.06
Dividend Yield %
6.33
Payout Ratio
0.52
Dividend Per Share
0.81

Operating Metrics

Operating Cashflow per Share
1.23
Free CashFlow per Share
0.95
Capex to Operating CashFlow
0.23
Capex to Revenue
0.01
Capex to Depreciation
1.43
Return on Invested Capital
0.05
Return on Tangible Assets
0.01
Days Sales Outstanding
0
Days Payables Outstanding
-3465.1
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
-0.11
Inventory Turnover
0
Capex per Share
0.28

Balance Sheet

Cash per Share
23,93
Book Value per Share
13,20
Tangible Book Value per Share
11.43
Shareholders Equity per Share
12.63
Interest Debt per Share
12.75
Debt to Equity
0.98
Debt to Assets
0.05
Net Debt to EBITDA
-53.44
Current Ratio
0.22
Tangible Asset Value
50,74 Bil.
Net Current Asset Value
-931,09 Bil.
Invested Capital
-529376000000
Working Capital
-545,60 Bil.
Intangibles to Total Assets
0.01
Average Receivables
0,00 Bil.
Average Payables
326,63 Bil.
Average Inventory
0
Debt to Market Cap
0.98

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.

Old Mutual Limited Dividends
Year Dividends Growth
2018 100
2019 117 14.53%
2020 75 -56%
2021 60 -25%
2022 76 21.05%
2023 83 8.43%
2024 83 0%

Old Mutual Limited Profile

About Old Mutual Limited

Old Mutual Limited, through its subsidiaries, provides financial services primarily in South Africa and rest of Africa. The company operates through Mass and Foundation Cluster, Personal Finance and Wealth Management, Old Mutual Investments, Old Mutual Corporate, Old Mutual Insure, and Rest of Africa segments. It offers risk products, including group risk and funeral covers; long-term savings; lending products comprising micro-lending; and transactional products. It also provides financial advice, investment, and income products, as well as asset management services. In addition, the company offers investments, annuities, and consulting services to employee-sponsored retirement and benefit funds; and health, property, and casualty insurance products. It serves low-income and lower-middle income markets; high income and high net worth individuals; and employee-sponsored retirement and benefit funds. The company was founded in 1845 and is based in Cape Town, South Africa.

CEO
Mr. Iain George Williamson
Employee
29.861
Address
Mutualpark
Cape Town, 7405

Old Mutual Limited Executives & BODs

Old Mutual Limited Executives & BODs
# Name Age
1 Ms. Prabashini Moodley
Managing Director of Old Mutual Corporate
70
2 Ms. Kerrin Land
Managing Director of Personal Finance & Wealth Management
70
3 Mr. Iain George Williamson
Chief Executive Officer & Executive Director
70
4 Mr. Casparus Gerhardus Troskie B.Com., C.A., CA (SA)
Chief Financial Officer & Executive Director
70
5 Mr. Clarence Tsakani Nethengwe
Managing Director of Mass & Foundation Cluster
70
6 Mr. Gcinikhaya Gobodo CFA
Managing Director of Old Mutual Investments
70
7 Mr. Clement Chinaka
Managing Director of Old Mutual Africa Regions
70
8 Mr. Bonga Mriga
Interim Head of Investor Relations
70
9 Ms. Vuyo Mtawa
Head of Group Communications
70
10 Ms. Zureida Ebrahim
Chief Operating Officer
70

Old Mutual Limited Competitors

Nedbank Group Limited Logo
Nedbank Group Limited

NED.JO

(3.0)
Sanlam Limited Logo
Sanlam Limited

SLM.JO

(2.5)
FirstRand Limited Logo
FirstRand Limited

FSR.JO

(2.8)
MTN Group Limited Logo
MTN Group Limited

MTN.JO

(2.2)