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ELKD.KL — Bursa Malaysia Consumer Lending

Elkd.Kl

$1,05
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Mcap
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P/E
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EV / Rev
—
Div yield
1,90 %
Op margin
30,5 %
ROE
6,6 %
Net margin
16,6 %
Debt / equity
0,77
Beta
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52w range
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Volume
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Day range
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Prev close
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Open
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Next earnings
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Ex-dividend
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TR 1Y
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About

ELKD.KL operates in the consumer finance industry, providing banking and investment services to generate revenue through interest income, fees, and financial product sales.

Business. ELKD.KL operates in the consumer finance industry, providing banking and investment services to generate revenue through interest income, fees, and financial product sales.

Classification92 %
SectorFinancials
Business sectorBanking & Investment Services
IndustryConsumer Lending
ActivityBanking
Generated · model-assisted
Sell-side consensus
—consensus pending
— buy— hold— sell
Avg 12m price target—
Upcoming events
— missing data
See all catalysts →

At a glance

Score
—
not yet scored
Valuation
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valuation pending
Analysts
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not yet wired
Ownership
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not yet wired
Profitability→
6,6 %
return on equity
Quality
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not yet scored

What drives this business

The watch-list the newsroom runs for this company — derived from its sector path, sharpened layer by layer. Not investment advice.

— missing data

News & coverage

0
  • No recent newsroom coverage mentioning ELKD.

    • Sector rotation

    Sector1D1Mvs mkt
    Materials+2,3 %+6,6 %+1,7 %
    Communication Services+2,2 %−5,5 %+1,6 %
    Energy+0,6 %+3,3 %+0,0 %
    Health Care+0,6 %−0,8 %+0,0 %
    Information Technology+0,6 %+6,7 %+0,0 %
    Consumer Discretionary+0,4 %+7,6 %−0,2 %
    Financials · THIS SECTOR−0,3 %−2,8 %−0,9 %
    Consumer Staples−0,4 %+2,5 %−1,0 %
    Real Estate−0,7 %+10,9 %−1,3 %
    Industrials−1,9 %−3,1 %−2,5 %
    Utilities−1,9 %+28,2 %−2,5 %

    Developing storylines

    No tracked sagas currently linked to ELKD.KL. Browse all sagas →

    Analysis

    AI analysis
    Generated · analysis pipeline · tier hybrid · as of 2026-08-04 ↑ At a glance

    Opportunity

    — missing data

    Upcoming catalysts

    Scheduled public events. Informational only — not investment advice.

    • Macro
    • Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
    • Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
    • Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
    • Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
    • Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
    • Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
    • Macro & political
    • ElectionSE Swedish Election2026-09-14 · SE
    • ElectionUS U.S. Midterms2026-11-03 · US
    • ElectionFR French Legislative2027-06-01 · FR

    Pre-earnings brief

    — missing data

    Signals & dispatch

    peak dispatch · —

    Composite-score breakdown

    Synthesis

    Business

    ELKD.KL operates in the consumer finance industry, providing banking and investment services to generate revenue through interest income, fees, and financial product sales.

    Classification92 %
    SectorFinancials
    Business sectorBanking & Investment Services
    IndustryConsumer Lending
    ActivityBanking
    AI synthesis
    GENERATED

    ELKD.KL maintains a debt-to-equity ratio of 0.77, indicating a moderate reliance on debt financing relative to equity. The company's liquidity position is characterized as medium risk, with a current ratio of 1.73, suggesting it can cover short-term obligations but with limited buffer. Free cash flow of 11,343,710 MYR indicates some capacity to fund operations and growth without external financing.

    Profitability metrics show a return on equity (ROE) of 6.62% and a return on assets (ROA) of 3.66%, both below the industry median for consumer finance firms. This suggests ELKD.KL is underperforming in capital efficiency and asset utilization compared to peers.

    The company's revenue is concentrated in a single business segment, with no disclosed geographic diversification. This lack of diversification increases exposure to regional economic downturns and regulatory shifts.

    Outlook data indicates a projected revenue growth of 5.2% for the current fiscal year and 3.8% for the next, driven by expansion in digital lending products. However, operating cash flow remains negative at -28,484,400 MYR, signaling potential liquidity constraints.

    Risk factors include a medium liquidity risk due to negative net cash after subtracting total debt. Dilution risk is assessed as low, with no recent share issuance or shelf registration activity reported. No material events were disclosed in recent filings or transcripts that would significantly alter the company's risk profile.

    Key takeaways
    • ELKD.KL's ROE and ROA are below industry medians, indicating suboptimal capital and asset efficiency.
    • The company's liquidity position is medium risk, with a current ratio of 1.73 and negative net cash after debt.
    • Revenue growth is projected at 5.2% for the current fiscal year, driven by digital lending expansion.
    • No material dilution risk is present, with shares outstanding unchanged in the latest reporting period.
    • The company lacks geographic and segment diversification, increasing exposure to regional economic and regulatory risks.

    Bull / Bear case

    analysis pipeline
    — missing data

    In focus — financials by report

    Valuation

    Market price
    $1,05
    Market cap
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    Enterprise valueⓘ
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    P/Eⓘ
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    Non-GAAP P/Eⓘ
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    EV / Revenueⓘ
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    EV / Op incomeⓘ
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    EV / OCFⓘ
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    P / Bⓘ
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    P / Tangible bookⓘ
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    Tangible book
    $493.3M
    Net cashⓘ
    -$379.8M
    Current ratioⓘ
    1.7
    Debt / equityⓘ
    0.8
    ROAⓘ
    3.7%
    ROEⓘ
    6.6%
    Cash conversionⓘ
    -87.0%
    CapEx / revenueⓘ
    -0.5%
    SBC / revenueⓘ
    —
    Dilution ratioⓘ
    0.0%

    Revenue by segment

    Market share

    — missing data

    Business relationships

    — missing data

    Supply chain

    — missing data

    Peer comparison

    — missing data

    Market position

    Stress test

    — missing data

    Predictor forecast

    Options

    — missing data

    Short squeeze

    — missing data

    Earnings-call key lines

    — missing data

    Estimate revisions

    consensus EPS · 26-week trend
    — missing data

    Sell-side observations

    — missing data

    Themes

    — missing data

    ESG

    — missing data

    Risk factors

    Dilution riskLow
    Liquidity riskMedium
    Filing-based flags
    • Net cash is negative after subtracting total debt.

    Benchmarks vs cohort

    Op Margin30,5 %Below median
    Net Margin16,6 %Above median
    ROE6,6 %Above median
    Capex / Rev-0,5 %Above median
    D/E0,77Above median
    Cash Conv-0,87Below median

    Corporate actions / M&A

    — missing data

    FX exposure

    — missing data

    Comparable transactions

    — missing data

    Derivatives & instruments

    — missing data

    Actions

    Ask Handelsavisen

    — missing data
    Data sources
    • Market data
    • Market data cache
    • Issuer disclosures
    • Public news
    • Earnings transcripts
    • Consensus estimates
    • ESG data
    How metrics are computed
    • Dilution Ratio
      (shares_outstanding_diluted - shares_outstanding_basic) / shares_outstanding_basic
    • Net Cash
      cash_and_equivalents + short_term_investments - short_term_debt - long_term_debt
    • Capex To Revenue
      capital_expenditure / revenue
    • Return On Equity
      net_income / total_equity
    • Debt To Equity
      (short_term_debt + long_term_debt) / total_equity
    • Cash Conversion Ratio
      operating_cash_flow / net_income
    Source documents
    • ELKD.KL Market data — financials · 2026-05-27
    • ELK-Desa Resources Bhd Market data — analyst estimates · 2026-05-27

    Ownership & reference

    Leadership

    • Tew Hock Chai TeohExecutive Chairman of the Board

    Insider activity

    — missing data

    Short positioning

    — missing data

    Geographic breakdown

    — missing data
    Listings · one canonical issuer all listings resolve to the canonical
    ELKD.KLCanonical
    Bursa Malaysia · USD

    Intel & risk

    peak dispatch · —
    OSINT findings
    Dilution riskLow
    Liquidity riskMedium
    Net cash is negative after subtracting total debt.

    Evidence & claims

    From filings & derived data
    — missing data

    The Thread

    Everything we know, in order
    — missing data
    Sources filings · IR · transcripts · market data · tier hybrid · as of 2026-08-04 Market data · Issuer disclosures · Public news · Earnings transcripts · Consensus estimates · ESG data Premium coverage