Company Analysis Concordia Financial Group, Ltd.
1. Summary
Advantages
- Price (16.16 $) is less than fair price (42.08 $)
- The stock's return over the last year (17.1%) is higher than the sector average (13.72%).
Disadvantages
- Dividends (4.88%) are below the sector average (8.18%).
- Current debt level 10.05% has increased over 5 years from 0%.
- The company's current efficiency (ROE=5.5%) is lower than the sector average (ROE=14.82%)
Similar companies
2. Share price and performance
2.1. Share price
2.2. News
2.3. Market efficiency
| Concordia Financial Group, Ltd. | Financials | Index | |
|---|---|---|---|
| 7 days | 0% | 0% | 0.6% |
| 90 days | 14% | -43% | -4.3% |
| 1 year | 17.1% | 13.7% | 9.3% |
CRDIY vs Sector: Concordia Financial Group, Ltd. has outperformed the "Financials" sector by 3.38% over the past year.
CRDIY vs Market: Concordia Financial Group, Ltd. has outperformed the market by 7.82% over the past year.
Stable price: CRDIY is not significantly more volatile than the rest of the market on "OTC" over the last 3 months, with typical variations of +/- 5% per week.
Long period: CRDIY with weekly volatility of 0.3289% over the past year.
3. Summary of the report
4. Fundamental Analysis
4.1. Stock price and price forecast
Below fair price: The current price (16.16 $) is lower than the fair price (42.08 $).
Price significantly below the fair price: The current price (16.16 $) is 160.4% lower than the fair price.
4.2. P/E
P/E vs Sector: The company's P/E (36.38) is higher than that of the sector as a whole (28.07).
P/E vs Market: The company's P/E (36.38) is lower than that of the market as a whole (53.47).
4.2.1 P/E Similar companies
4.3. P/BV
P/BV vs Sector: The company's P/BV (1.9) is higher than that of the sector as a whole (-29.42).
P/BV vs Market: The company's P/BV (1.9) is higher than that of the market as a whole (-8.34).
4.3.1 P/BV Similar companies
4.4. P/S
P/S vs Sector: The company's P/S indicator (8.5) is higher than that of the sector as a whole (7.77).
P/S vs Market: The company's P/S indicator (8.5) is higher than that of the market as a whole (4.74).
4.4.1 P/S Similar companies
4.5. EV/Ebitda
EV/Ebitda vs Sector: The company's EV/Ebitda (0) is higher than that of the sector as a whole (-76.22).
EV/Ebitda vs Market: The company's EV/Ebitda (0) is lower than that of the market as a whole (28.31).
5. Profitability
5.1. Profitability and revenue
5.2. Earnings per share - EPS
5.3. Past profitability Net Income
Yield Trend: Rising and has grown by 8.77% over the last 5 years.
Earnings Slowdown: The last year's return (0%) is below the 5-year average return (8.77%).
Profitability vs Sector: The return for the last year (0%) is lower than the return for the sector (1.45%).
5.4. ROE
ROE vs Sector: The company's ROE (5.5%) is lower than that of the sector as a whole (14.82%).
ROE vs Market: The company's ROE (5.5%) is higher than that of the market as a whole (4.79%).
5.5. ROA
ROA vs Sector: The company's ROA (0.2671%) is lower than that of the sector as a whole (60.55%).
ROA vs Market: The company's ROA (0.2671%) is lower than that of the market as a whole (16.49%).
5.6. ROIC
ROIC vs Sector: The company's ROIC (0%) is lower than that of the sector as a whole (8.34%).
ROIC vs Market: The company's ROIC (0%) is lower than that of the market as a whole (11.03%).
7. Dividends
7.1. Dividend yield vs Market
Low yield: The dividend yield of the company 4.88% is below the average for the sector '8.18%.
7.2. Stability and increase in payments
Dividend stability: The company's dividend yield 4.88% has been steadily paid over the past 7 years, DSI=0.83.
Weak dividend growth: The company's dividend yield 4.88% has been growing weakly or stagnant over the past 5 years. Growth over only 0 years.
7.3. Payout percentage
Dividend Coverage: Current payments from income (36.04%) are at a comfortable level.
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