Sasfin Holdings Limited Logo

Sasfin Holdings Limited

SFN.JO

(1.5)
Stock Price

2.800,00 ZAc

0.49% ROA

3.92% ROE

13.13x PER

Market Cap.

859.275.200,00 ZAc

264.14% DER

0% Yield

3.55% NPM

Sasfin Holdings Limited Stock Analysis

Sasfin Holdings 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.

Sasfin Holdings Limited Fundamental Stock Analysis
# Analysis Rating
1 PBV

The stock's low PBV ratio (0.57x) suggests it's undervalued, making it an attractive opportunity for investors.

2 Revenue Growth

Over the past five years, this company's revenue has consistently increased, demonstrating a robust financial performance that makes it an appealing opportunity.

3 ROE

The stock's ROE falls within an average range (4.66%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

4 ROA

The stock's ROA (0.65%) 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 DER

The company has a high debt to equity ratio (221%), which means it owes a lot of money compared to what it actually owns, making it financially risky.

6 Net Profit Growth

This company's net profit has remained flat over the past five years, suggesting a lack of growth and making it a less attractive investment opportunity.

7 Assets Growth

Company's revenue has stayed stagnant, showing no signs of improvement and making it a less favorable choice.

8 Graham Number

The Graham number calculation reveals that this company's stock price is potentially inflated, implying that it may not be a desirable investment option.

9 Dividend Growth

Investors should note the company's stagnant dividend growth over the past three years, indicating limited profitability and potentially diminishing returns.

10 Dividend

Investors should note the absence of dividends from the company in the last three years, indicating potential financial challenges.

11 Buffet Intrinsic Value

Based on Warren Buffett's formula, the company's stock seems overpriced (85), indicating a potential drawback for investors as its market price exceeds its estimated intrinsic value.

Sasfin Holdings 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.

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

Sasfin Holdings 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.

Sasfin Holdings Limited Revenue
Year Revenue Growth
2001 245.345.000
2002 201.726.000 -21.62%
2003 270.493.000 25.42%
2004 315.603.000 14.29%
2005 471.317.000 33.04%
2006 514.714.000 8.43%
2007 587.358.000 12.37%
2008 631.242.000 6.95%
2009 625.738.000 -0.88%
2010 610.798.000 -2.45%
2011 650.316.000 6.08%
2012 753.769.000 13.72%
2013 888.408.000 15.16%
2014 956.593.000 7.13%
2015 1.196.843.000 20.07%
2016 1.167.166.000 -2.54%
2017 1.219.216.000 4.27%
2018 1.073.466.000 -13.58%
2019 1.111.482.000 3.42%
2020 1.144.126.000 2.85%
2021 1.310.620.000 12.7%
2022 1.424.313.000 7.98%
2023 1.117.734.000 -27.43%

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.

Sasfin Holdings 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.

Sasfin Holdings 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 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 18.604.000 100%
2014 26.231.000 29.08%
2015 40.129.000 34.63%
2016 35.057.000 -14.47%
2017 27.267.000 -28.57%
2018 47.399.000 42.47%
2019 45.811.000 -3.47%
2020 51.181.000 10.49%
2021 61.883.000 17.29%
2022 94.844.000 34.75%
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.

Sasfin Holdings Limited EBITDA
Year EBITDA Growth
2001 109.556.000
2002 140.784.000 22.18%
2003 135.146.000 -4.17%
2004 147.679.000 8.49%
2005 211.758.000 30.26%
2006 241.456.000 12.3%
2007 322.395.000 25.11%
2008 432.851.000 25.52%
2009 342.334.000 -26.44%
2010 302.690.000 -13.1%
2011 400.688.000 24.46%
2012 441.419.000 9.23%
2013 601.689.000 26.64%
2014 682.212.000 11.8%
2015 935.253.000 27.06%
2016 1.023.362.000 8.61%
2017 1.059.129.000 3.38%
2018 -7.294.000 14620.55%
2019 -9.816.000 25.69%
2020 -25.348.000 61.28%
2021 35.156.000 172.1%
2022 204.088.000 82.77%
2023 35.210.000 -479.63%

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.

Sasfin Holdings Limited Gross Profit
Year Gross Profit Growth
2001 245.345.000
2002 201.726.000 -21.62%
2003 270.493.000 25.42%
2004 315.603.000 14.29%
2005 471.317.000 33.04%
2006 514.714.000 8.43%
2007 587.358.000 12.37%
2008 631.242.000 6.95%
2009 625.738.000 -0.88%
2010 610.798.000 -2.45%
2011 650.316.000 6.08%
2012 753.769.000 13.72%
2013 888.408.000 15.16%
2014 956.593.000 7.13%
2015 1.196.843.000 20.07%
2016 1.167.166.000 -2.54%
2017 1.219.216.000 4.27%
2018 1.073.466.000 -13.58%
2019 1.111.482.000 3.42%
2020 1.144.126.000 2.85%
2021 1.310.620.000 12.7%
2022 1.424.313.000 7.98%
2023 4.832.868.000 70.53%

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.

Sasfin Holdings Limited Net Profit
Year Net Profit Growth
2001 35.535.000
2002 22.259.000 -59.64%
2003 62.089.000 64.15%
2004 91.384.000 32.06%
2005 174.678.000 47.68%
2006 171.375.000 -1.93%
2007 184.429.000 7.08%
2008 189.009.000 2.42%
2009 139.296.000 -35.69%
2010 113.853.000 -22.35%
2011 127.213.000 10.5%
2012 149.714.000 15.03%
2013 163.763.000 8.58%
2014 192.974.000 15.14%
2015 238.788.000 19.19%
2016 192.157.000 -24.27%
2017 130.465.000 -47.29%
2018 163.015.000 19.97%
2019 -45.147.000 461.08%
2020 77.644.000 158.15%
2021 156.970.000 50.54%
2022 108.827.000 -44.24%
2023 49.008.000 -122.06%

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.

Sasfin Holdings Limited Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2001 1
2002 1 0%
2003 2 100%
2004 3 33.33%
2005 6 40%
2006 5 0%
2007 6 0%
2008 6 0%
2009 4 -66.67%
2010 3 0%
2011 4 0%
2012 4 25%
2013 5 0%
2014 6 20%
2015 7 28.57%
2016 6 -16.67%
2017 4 -50%
2018 5 20%
2019 -1 600%
2020 2 150%
2021 5 60%
2022 4 -66.67%
2023 2 -200%

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.

Sasfin Holdings Limited Free Cashflow
Year Free Cashflow Growth
2001 38.658.000
2002 31.428.000 -23%
2003 -16.310.000 292.69%
2004 43.532.000 137.47%
2005 197.346.000 77.94%
2006 -145.162.000 235.95%
2007 112.729.000 228.77%
2008 -315.892.000 135.69%
2009 37.262.000 947.76%
2010 -160.957.000 123.15%
2011 437.917.000 136.76%
2012 35.796.000 -1123.37%
2013 335.555.000 89.33%
2014 170.874.000 -96.38%
2015 -1.026.639.000 116.64%
2016 1.071.510.000 195.81%
2017 898.622.000 -19.24%
2018 -581.991.000 254.4%
2019 253.374.000 329.7%
2020 -398.300.000 163.61%
2021 -367.426.000 -8.4%
2022 -716.305.000 48.71%
2023 149.177.000 580.17%

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.

Sasfin Holdings Limited Operating Cashflow
Year Operating Cashflow Growth
2001 57.541.000
2002 40.541.000 -41.93%
2003 -4.729.000 957.28%
2004 53.271.000 108.88%
2005 222.462.000 76.05%
2006 -124.905.000 278.1%
2007 166.941.000 174.82%
2008 -158.199.000 205.53%
2009 74.970.000 311.02%
2010 -139.075.000 153.91%
2011 458.199.000 130.35%
2012 35.796.000 -1180.03%
2013 362.801.000 90.13%
2014 203.343.000 -78.42%
2015 -933.252.000 121.79%
2016 1.162.163.000 180.3%
2017 1.003.908.000 -15.76%
2018 -498.157.000 301.52%
2019 295.681.000 268.48%
2020 -359.437.000 182.26%
2021 -312.965.000 -14.85%
2022 -699.116.000 55.23%
2023 150.759.500 563.73%

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.

Sasfin Holdings Limited Capital Expenditure
Year Capital Expenditure Growth
2001 18.883.000
2002 9.113.000 -107.21%
2003 11.581.000 21.31%
2004 9.739.000 -18.91%
2005 25.116.000 61.22%
2006 20.257.000 -23.99%
2007 54.212.000 62.63%
2008 157.693.000 65.62%
2009 37.708.000 -318.2%
2010 21.882.000 -72.32%
2011 20.282.000 -7.89%
2012 0 0%
2013 27.246.000 100%
2014 32.469.000 16.09%
2015 93.387.000 65.23%
2016 90.653.000 -3.02%
2017 105.286.000 13.9%
2018 83.834.000 -25.59%
2019 42.307.000 -98.16%
2020 38.863.000 -8.86%
2021 54.461.000 28.64%
2022 17.189.000 -216.84%
2023 1.582.500 -986.19%

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.

Sasfin Holdings Limited Equity
Year Equity Growth
2001 164.402.000
2002 168.409.000 2.38%
2003 224.884.000 25.11%
2004 378.911.000 40.65%
2005 599.989.000 36.85%
2006 697.510.000 13.98%
2007 800.758.000 12.89%
2008 872.579.000 8.23%
2009 1.063.900.000 17.98%
2010 1.108.871.000 4.06%
2011 1.180.215.000 6.05%
2012 1.226.704.000 3.79%
2013 1.320.958.000 7.14%
2014 1.438.191.000 8.15%
2015 1.596.549.000 9.92%
2016 1.659.225.000 3.78%
2017 1.741.771.000 4.74%
2018 1.777.384.000 2%
2019 1.723.005.000 -3.16%
2020 1.606.264.000 -7.27%
2021 1.683.746.000 4.6%
2022 1.654.473.000 -1.77%
2023 1.676.853.000 1.33%

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.

Sasfin Holdings Limited Assets
Year Assets Growth
2001 1.174.775.000
2002 1.244.594.000 5.61%
2003 1.370.293.000 9.17%
2004 1.753.807.000 21.87%
2005 2.391.439.000 26.66%
2006 2.468.047.000 3.1%
2007 2.975.591.000 17.06%
2008 3.122.997.000 4.72%
2009 3.551.522.000 12.07%
2010 4.373.264.000 18.79%
2011 5.472.493.000 20.09%
2012 6.252.794.000 12.48%
2013 8.168.163.000 23.45%
2014 10.866.112.000 24.83%
2015 11.004.060.000 1.25%
2016 12.622.643.000 12.82%
2017 14.319.084.000 11.85%
2018 14.601.402.000 1.93%
2019 14.005.540.000 -4.25%
2020 12.155.244.000 -15.22%
2021 13.116.532.000 7.33%
2022 14.013.082.000 6.4%
2023 13.351.500.000 -4.96%

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.

Sasfin Holdings Limited Liabilities
Year Liabilities Growth
2001 0
2002 1.076.185.000 100%
2003 1.145.409.000 6.04%
2004 1.374.896.000 16.69%
2005 1.791.450.000 23.25%
2006 1.770.537.000 -1.18%
2007 2.174.833.000 18.59%
2008 2.250.418.000 3.36%
2009 2.487.622.000 9.54%
2010 3.264.393.000 23.8%
2011 4.292.278.000 23.95%
2012 5.026.090.000 14.6%
2013 6.847.205.000 26.6%
2014 9.427.921.000 27.37%
2015 9.407.511.000 -0.22%
2016 10.963.418.000 14.19%
2017 12.577.313.000 12.83%
2018 12.824.018.000 1.92%
2019 12.282.535.000 -4.41%
2020 10.548.980.000 -16.43%
2021 11.432.786.000 7.73%
2022 12.358.609.000 7.49%
2023 11.674.647.000 -5.86%

Sasfin Holdings Limited Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
60.11
Net Income per Share
2.13
Price to Earning Ratio
13.13x
Price To Sales Ratio
0.47x
POCF Ratio
5.71
PFCF Ratio
6.14
Price to Book Ratio
0.51
EV to Sales
2.2
EV Over EBITDA
186.47
EV to Operating CashFlow
26.93
EV to FreeCashFlow
28.96
Earnings Yield
0.08
FreeCashFlow Yield
0.16
Market Cap
0,86 Bil.
Enterprise Value
4,05 Bil.
Graham Number
51.21
Graham NetNet
-355.11

Income Statement Metrics

Net Income per Share
2.13
Income Quality
2.3
ROE
0.04
Return On Assets
0
Return On Capital Employed
0
Net Income per EBT
1.19
EBT Per Ebit
1.93
Ebit per Revenue
0.02
Effective Tax Rate
0.12

Margins

Sales, General, & Administrative to Revenue
0
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
0.99
Operating Profit Margin
0.02
Pretax Profit Margin
0.03
Net Profit Margin
0.04

Dividends

Dividend Yield
0
Dividend Yield %
0
Payout Ratio
0.58
Dividend Per Share
0

Operating Metrics

Operating Cashflow per Share
4.9
Free CashFlow per Share
4.56
Capex to Operating CashFlow
0.07
Capex to Revenue
0.01
Capex to Depreciation
0.18
Return on Invested Capital
0
Return on Tangible Assets
0
Days Sales Outstanding
67.8
Days Payables Outstanding
16615.42
Days of Inventory on Hand
-57359.38
Receivables Turnover
5.38
Payables Turnover
0.02
Inventory Turnover
-0.01
Capex per Share
0.34

Balance Sheet

Cash per Share
45,05
Book Value per Share
54,64
Tangible Book Value per Share
51.5
Shareholders Equity per Share
54.64
Interest Debt per Share
144.33
Debt to Equity
2.64
Debt to Assets
0.33
Net Debt to EBITDA
146.93
Current Ratio
4.57
Tangible Asset Value
1,58 Bil.
Net Current Asset Value
-4,92 Bil.
Invested Capital
5528760000
Working Capital
5,28 Bil.
Intangibles to Total Assets
0.01
Average Receivables
0,17 Bil.
Average Payables
0,25 Bil.
Average Inventory
-862630000
Debt to Market Cap
5.15

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.

Sasfin Holdings Limited Dividends
Year Dividends Growth
2000 63
2001 63 0%
2002 21 -215%
2003 33 39.39%
2004 94 64.89%
2005 130 27.69%
2006 161 19.25%
2007 207 22.22%
2008 228 9.21%
2009 220 -3.64%
2010 133 -65.41%
2011 118 -12.71%
2012 137 13.87%
2013 168 18.45%
2014 191 12.04%
2015 223 13.96%
2016 287 22.65%
2017 240 -19.58%
2018 151 -58.94%
2019 100 -52.53%
2020 49 -106.25%
2021 131 63.36%
2022 155 14.94%

Sasfin Holdings Limited Profile

About Sasfin Holdings Limited

Sasfin Holdings Limited operates as a bank controlling company that provides various financial products and services primarily in South Africa. The company offers business banking, transactional banking, and treasury services. It also provides digital banking and business management tools; and direct feed integration, forex, debt capital market, and equipment finance services, as well as investment, and business and personal accounts; and forex risk solutions. In addition, the company offers online investment, asset management, portfolio management and stockbroking, asset consulting, healthcare consulting, wealth advisory, and fixed income products and services, as well as retirement funds and fiduciary solutions. Further, it provides specialized lending, private equity, property equity, debtor finance, trade finance, and sponsor services; and asset finance services. The company serves entrepreneurs, corporates, institutions, high-net-worth individuals, and business and wealth clients. Sasfin Holdings Limited was founded in 1951 and is headquartered in Johannesburg, South Africa.

CEO
Mr. Michael E. E. Sassoon B.Co
Employee
761
Address
29 Scott Street
Johannesburg, 2090

Sasfin Holdings Limited Executives & BODs

Sasfin Holdings Limited Executives & BODs
# Name Age
1 Ms. Linda R. Fröhlich
Chief Executive of Asset Finance
70
2 Salomi Naidoo
Head of Group Compliance
70
3 Mr. Michael E. E. Sassoon B.Com., M.B.A.
Group Chief Executive Officer & Executive Director
70
4 Mr. Erol Zeki
Chief Executive Officer of Sasfin Wealth & Alternate Director
70
5 Karien Jones
Chief Operating Officer & Group Finance
70
6 Mr. Stewart Tomlinson B.Com., C.A.
Chief Risk Officer
70
7 Ms. Harriet Heymans B.Com., C.A.
Group Financial Director & Executive Director
70
8 Mr. Maston G. Lane
Group & Bank Chief Operating Officer
70
9 Mr. Andrew Souchon
Group Chief Information Officer
70
10 Mr. Howard Brown
Head of Group Legal
70

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