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Finbond Group Limited (FGL.JO)

ZAc89.00 +1.00 (+1.14%)
ZA JNB Financial Services Financial - Mortgages
Address Rigel Office Park 181
Pretoria, ZA
CEO Willem Van Aardt
IPO 2007-12-31
ISIN ZAE000138095

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Description

Finbond Group Limited operates as a financial services provider, with its operations spanning key segments like Deposit and Debt Finance Products, Lending, Property Investment, and Transactional Banking. The company delivers a diverse portfolio of financial offerings, including short-term consumer credit, transactional banking solutions, business banking services tailored for commercial entities and small enterprises, along with savings and wealth management options. Additionally, it provides secured loans, microcredit facilities, and insurance. Founded in 2001, Finbond Group Limited is headquartered in Pretoria, South Africa. By February 28, 2022, the group managed an extensive network of 592 branches, comprising 221 in North America and 371 situated in its home country.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
ZAc89.00 +1.00 (+1.14%)
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Volume Profile
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Liquidity & share structure
Average Volume
89.5K
Beta
1.11
Float Shares
206.30M
Free Float %
43.9%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+0.00% +0.00% -0.91% -7.63% -5.22% -12.80% +36.25% +275.86% -33.94% -62.79% -45.61%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
89.00
DCF (Unlevered) 1,652.04 +1,756.2%
DCF (Levered) 2,539.57 +2,753.4%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Quality scores
Altman Z-Score
0.81
Distress
Piotroski F-Score
7 / 9
Strong
MOAT Score
4 / 10
Developing
Composite Rating
B-
Overall Score
3 / 5
Medium
DCF Score
1 / 5
Low
ROE Score
4 / 5
High
ROA Score
4 / 5
High
D/E Score
1 / 5
Low
P/E Score
3 / 5
Medium
P/Book Score
2 / 5
Medium
Operational MOAT
✗ Below peers
  • Revenue growth Financial - Mortgages: +18.2%
    +2.9% Q1'26: +100.4% (vs Q1'24)
  • EPS growth Financial - Mortgages: +18.3%
    +115.5% Q1'26: +57.3% (vs Q1'24)
  • FCF margin FCF growth · Financial - Mortgages: +84.8%
    +9.6% Q1'26: +42.1% (vs Q1'24)
  • EBIT margin Financial - Mortgages: +34.8%
    +34.8% Q1'26: +7.7% (vs Q1'24)
  • ROIC Financial - Mortgages: +4.9%
    +12.6% Q1'26: +6.1% (vs Q1'24)
  • Share dilution Financial - Mortgages: 0.0%
    +4.0% Q1'26: -46.0% (vs Q1'24)
  • Debt / EBITDA Net debt/EBITDA · Financial - Mortgages: 7.44×
    4.95× Q1'26: 6.24× (vs Q1'24)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (1.18) × ERP
WACC = 14% × Ke + 86% × Kd (12.9%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 1,405.38 Current price: 89.00
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-29 B- 3/5 1/5 4/5 4/5 1/5 3/5 2/5
2026-05-28 B- 3/5 1/5 4/5 4/5 1/5 3/5 2/5
2026-05-27 B- 3/5 1/5 4/5 4/5 1/5 3/5 2/5
2026-05-26 B- 3/5 1/5 4/5 4/5 1/5 3/5 2/5
2026-05-25 B- 3/5 1/5 4/5 4/5 1/5 3/5 2/5
2026-05-22 B 3/5 1/5 4/5 4/5 1/5 4/5 3/5
2026-05-21 B 3/5 1/5 4/5 4/5 1/5 4/5 3/5
2026-05-20 B 3/5 1/5 4/5 4/5 1/5 4/5 3/5
2026-05-19 B 3/5 1/5 4/5 4/5 1/5 4/5 3/5
2026-05-18 B 3/5 1/5 4/5 4/5 1/5 4/5 3/5
2026-05-15 B+ 3/5 1/5 4/5 4/5 1/5 4/5 4/5
2026-05-14 B+ 3/5 1/5 4/5 4/5 1/5 4/5 4/5
2026-05-13 B+ 3/5 1/5 4/5 4/5 1/5 4/5 4/5
2026-05-12 B+ 3/5 1/5 4/5 4/5 1/5 4/5 4/5
2026-05-11 B+ 3/5 1/5 4/5 4/5 1/5 4/5 4/5
2026-05-08 B+ 3/5 1/5 4/5 5/5 1/5 4/5 4/5
2026-05-07 B+ 3/5 1/5 4/5 5/5 1/5 4/5 4/5
2026-05-06 B+ 3/5 1/5 4/5 5/5 1/5 4/5 4/5
2026-05-05 B+ 3/5 1/5 4/5 5/5 1/5 4/5 4/5
2026-05-04 B+ 3/5 1/5 4/5 5/5 1/5 4/5 4/5
2026-04-30 B+ 3/5 1/5 4/5 5/5 1/5 4/5 4/5
2026-04-29 B+ 3/5 1/5 4/5 5/5 1/5 4/5 4/5
2026-04-28 B+ 3/5 1/5 4/5 5/5 1/5 4/5 4/5
2026-04-24 B+ 3/5 1/5 4/5 5/5 1/5 4/5 4/5
2026-04-23 B+ 3/5 1/5 4/5 5/5 1/5 4/5 4/5
2026-04-22 B+ 3/5 1/5 4/5 5/5 1/5 4/5 4/5
2026-04-21 B+ 3/5 1/5 4/5 5/5 1/5 4/5 4/5
2026-04-20 B+ 3/5 1/5 4/5 5/5 1/5 4/5 4/5
2026-04-16 B+ 3/5 1/5 4/5 5/5 1/5 4/5 4/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
219.62M
OE per share TTM
0.63
Owner's Yield
42.95%
Maintenance CapEx ratio
539.92%
Maint CapEx / Avg PPE
28.9%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

ETF Ownership

Top ETFs holding this stock

This company is not held by any ETF in our universe.

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
232.8K
Shares Outstanding
469.73M

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Willem Van Aardt QLTT Chief Executive Officer & Executive Director 31M
Greg Wayne Labuschagne Chief Financial Officer, Financial Director & Executive Director 6M male
Celeste Bogaard Head of Regulatory Reporting & Treasury female
Christo Quinn CBO - Finbond Group North America male
Abie Muller Chief Quality & Personnel Officer male
Lanelle Rosema Group Financial Manager & Controller female
Marthinus Vermaak Chief Executive Officer of Supreme Finance male
Schalk Klopper Chief Risk & Analytics Officer male
Hannes Cloete Chief Compliance Officer male
Ben C. Bredenkamp Group Company Secretary & Chief Corporate Officer male
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits