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INDICATIVE · SAMPLE DATA
FGLJ.J54

Finbond Group Ltd

Consumer LendingVerified

Finbond Group Ltd has an undetermined liquidity position due to insufficient balance-sheet inputs and lack of going-concern language in source documents. The company's valuation snapshot is currently unavailable, preventing direct comparison to industry benchmarks. The company's profitability metrics cannot be assessed at this time due to missing valuation data. Without access to key performance indicators like ROIC, net interest margin, or loan loss provisions, it is not possible to evaluate Finbond Group Ltd's financial performance relative to the Consumer Lending industry. Finbond Group Ltd's revenue concentration and geographic exposure are not disclosed in available documents. The company's segment reporting does not provide sufficient detail to assess diversification across product lines or regional markets. Growth trajectory data is incomplete, with no available revenue history or outlook figures. The company's future performance cannot be projected without access to forward-looking statements or historical financial trends. The company faces low dilution risk, with basic and diluted shares outstanding showing no difference. However, the lack of valuation data prevents assessment of capital structure health. No dilution-related adjustments have been applied to valuation metrics. Recent filings and transcripts do not provide new insights into the company's operations or strategic direction. The absence of detailed financial disclosures limits the ability to form a comprehensive view of Finbond Group Ltd's current position.

30-day price · FGLJ.J+11.00 (+10.7%)
Low$95.00High$114.00Close$114.00As of15 May, 00:00 UTC
Profile
CompanyFinbond Group Ltd
TickerFGLJ.J
SectorFinancials
BusinessBanking & Investment Services
Industry groupBanking & Investment Services
IndustryConsumer Lending
AI analysis

Business. Finbond Group Ltd provides banking and consumer lending services in South Africa.

Classification. Finbond Group Ltd is classified in the Financials economic sector, Banking & Investment Services business sector, and Consumer Lending industry with 92% confidence.

Finbond Group Ltd has an undetermined liquidity position due to insufficient balance-sheet inputs and lack of going-concern language in source documents. The company's valuation snapshot is currently unavailable, preventing direct comparison to industry benchmarks. The company's profitability metrics cannot be assessed at this time due to missing valuation data. Without access to key performance indicators like ROIC, net interest margin, or loan loss provisions, it is not possible to evaluate Finbond Group Ltd's financial performance relative to the Consumer Lending industry. Finbond Group Ltd's revenue concentration and geographic exposure are not disclosed in available documents. The company's segment reporting does not provide sufficient detail to assess diversification across product lines or regional markets. Growth trajectory data is incomplete, with no available revenue history or outlook figures. The company's future performance cannot be projected without access to forward-looking statements or historical financial trends. The company faces low dilution risk, with basic and diluted shares outstanding showing no difference. However, the lack of valuation data prevents assessment of capital structure health. No dilution-related adjustments have been applied to valuation metrics. Recent filings and transcripts do not provide new insights into the company's operations or strategic direction. The absence of detailed financial disclosures limits the ability to form a comprehensive view of Finbond Group Ltd's current position.
Key takeaways
  • Finbond Group Ltd's liquidity position cannot be determined due to missing balance-sheet data
  • The company's profitability metrics are unavailable for industry comparison
  • No revenue concentration or geographic exposure data is disclosed
  • Growth projections and historical performance data are incomplete
  • Dilution risk is currently low, but capital structure health cannot be assessed
  • # RATIONALES
  • {
  • "margin_outlook_rationale": "Unable to determine margin outlook due to insufficient financial data",
Financial snapshot
PeriodHA-latest
CurrencyZAR
Revenue
Gross profit
Operating income
Net income
R&D
SG&A
D&A
SBC
Operating cash flow
CapEx
Free cash flow
Total assets
Total liabilities
Total equity
Cash & equivalents
Long-term debt
Annual history (last 5)
PeriodRevenueOp IncomeNet IncomeFCF
FY-4$1.15B-$295.4M-$178.0M
FY-3$721.0M-$244.1M-$217.1M
FY-2$412.0M-$274.8M-$192.3M
FY-1$491.1M$557.0k$85.1M
FY0$465.2M$31.8M$114.5M
PeriodGross %Op %Net %FCF %
FY-4
FY-3
FY-2
FY-1
FY0
PeriodAssetsEquityCashDebt
FY-4$4.37B$1.02B
FY-3$3.98B$846.4M
FY-2$4.02B$797.0M
FY-1$4.28B$832.6M
FY0$4.53B$730.9M
PeriodOCFCapExFCFSBC
FY-4$257.2M-$59.5M-$178.0M
FY-3-$629.5M-$64.4M-$217.1M
FY-2-$202.4M-$22.9M-$192.3M
FY-1-$133.0M-$31.1M$85.1M
FY0-$222.6M-$46.5M$114.5M
Quarterly history (last 4)
PeriodRevenueOp IncomeNet IncomeFCF
FQ-7
FQ-6
FQ-5
FQ-4
FQ-3
FQ-2
FQ-1
FQ0
PeriodGross %Op %Net %FCF %
FQ-7
FQ-6
FQ-5
FQ-4
FQ-3
FQ-2
FQ-1
FQ0
PeriodAssetsEquityCashDebt
FQ-7
FQ-6
FQ-5
FQ-4
FQ-3
FQ-2
FQ-1
FQ0
PeriodOCFCapExFCFSBC
FQ-7
FQ-6
FQ-5
FQ-4
FQ-3
FQ-2
FQ-1
FQ0
Valuation
Market price
Market cap
Enterprise value
P/E
Reported non-GAAP P/E
EV/Revenue
EV/Op income
EV/OCF
P/B
P/Tangible book
Tangible book
Net cash
Current ratio
Debt/Equity
ROA
ROE
Cash conversion
CapEx/Revenue
SBC/Revenue
Asset intensity
Dilution ratio0.0%
Risk assessment
Dilution riskLow
Liquidity riskUnknown
  • Liquidity risk could not be assessed (no balance-sheet inputs and no going-concern language in source documents).
Industry benchmarks
Activity: Banking · cohort 265 companies
MetricFGLJ.JActivity
Op margin29.4% medp25 11.0% · p75 55.5%
Net margin14.7% medp25 3.8% · p75 30.9%
Gross margin63.7% medp25 42.1% · p75 95.0%
CapEx / revenue-1.4% medp25 -3.9% · p75 -0.4%
Debt / equity121.9% medp25 14.0% · p75 332.1%
Source data
Underlying data the analysis-pipeline pulls and audits. Fetch timestamps + content hashes show when each source was last refreshed.
Company fundamentalsperiod FQ-7 · history via verified-market-data
no public URL
2026-05-09 01:15 UTC#a5cee08e
Source: analysis-pipeline (hybrid)Generated: 2026-05-27 22:45 UTCJob: dad6757c