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INDICATIVE · SAMPLE DATA
HANL.TN58

Hannibal Lease SA

Consumer LendingVerified

Hannibal Lease operates with a basic capital structure, as the number of basic and diluted shares outstanding is identical at 11,000,000, indicating no dilution from stock options or convertible instruments. However, the company's liquidity position remains unassessed due to the absence of balance-sheet inputs and no going-concern language in source documents. This lack of liquidity data limits the ability to evaluate the company's short-term financial flexibility. Profitability metrics are not available in the valuation snapshot, and no industry-specific preferred metrics are provided in the industry configuration. Without comparative data, it is not possible to assess Hannibal Lease's profitability or returns relative to its peers in the Consumer Lending industry. The company's revenue concentration and geographic exposure are not disclosed in the available data. As a Tunisian-based consumer lender, it is likely concentrated in the domestic market, but no specific segment or geographic breakdown is provided. Growth trajectory is uncertain due to the absence of historical revenue data and forward-looking guidance. Analysts have assigned a mean recommendation of 2.00, indicating a "Buy" rating, with one analyst recommending a buy and none recommending a strong buy or sell. The most recent actual EPS was 0.78 TND, while the mean EPS estimate for the next period is 1.03 TND, suggesting a potential 32% increase in earnings. The company's risk profile is marked by low dilution potential and an inability to assess liquidity risk. No significant risk factors are disclosed in the risk assessment, and no dilution sources are identified in the source documents. The absence of detailed risk disclosures limits the ability to fully evaluate the company's exposure to market, credit, or operational risks. Recent events and filings are not disclosed in the available data. No transcripts or regulatory filings are provided to assess management commentary or strategic direction.

30-day price · HANL.TN+0.13 (+1.7%)
Low$7.30High$7.75Close$7.70As of15 May, 00:00 UTC
Profile
CompanyHannibal Lease SA
TickerHANL.TN
SectorFinancials
BusinessBanking & Investment Services
Industry groupBanking & Investment Services
IndustryConsumer Lending
AI analysis

Business. Hannibal Lease SA provides consumer lending services in Tunisia, offering financial products to individuals and small businesses.

Classification. Hannibal Lease is classified under the Financials sector, specifically in the Banking & Investment Services business sector and the Consumer Lending industry, with a confidence level of 0.92.

Hannibal Lease operates with a basic capital structure, as the number of basic and diluted shares outstanding is identical at 11,000,000, indicating no dilution from stock options or convertible instruments. However, the company's liquidity position remains unassessed due to the absence of balance-sheet inputs and no going-concern language in source documents. This lack of liquidity data limits the ability to evaluate the company's short-term financial flexibility. Profitability metrics are not available in the valuation snapshot, and no industry-specific preferred metrics are provided in the industry configuration. Without comparative data, it is not possible to assess Hannibal Lease's profitability or returns relative to its peers in the Consumer Lending industry. The company's revenue concentration and geographic exposure are not disclosed in the available data. As a Tunisian-based consumer lender, it is likely concentrated in the domestic market, but no specific segment or geographic breakdown is provided. Growth trajectory is uncertain due to the absence of historical revenue data and forward-looking guidance. Analysts have assigned a mean recommendation of 2.00, indicating a "Buy" rating, with one analyst recommending a buy and none recommending a strong buy or sell. The most recent actual EPS was 0.78 TND, while the mean EPS estimate for the next period is 1.03 TND, suggesting a potential 32% increase in earnings. The company's risk profile is marked by low dilution potential and an inability to assess liquidity risk. No significant risk factors are disclosed in the risk assessment, and no dilution sources are identified in the source documents. The absence of detailed risk disclosures limits the ability to fully evaluate the company's exposure to market, credit, or operational risks. Recent events and filings are not disclosed in the available data. No transcripts or regulatory filings are provided to assess management commentary or strategic direction.
Key takeaways
  • Hannibal Lease has a basic capital structure with no dilution from options or convertibles.
  • Analysts have assigned a "Buy" rating, with one analyst recommending a buy and no strong buy or sell ratings.
  • The company's liquidity position cannot be assessed due to missing balance-sheet data.
  • Earnings are projected to increase by 32% from 0.78 TND to 1.03 TND.
  • No detailed risk factors or dilution sources are disclosed in the available data.
  • --
  • ## RATIONALES
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Financial snapshot
PeriodHA-latest
CurrencyTND
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$74.2M$5.5M$6.0M-$5.1M
FY-3$83.5M$12.5M$8.4M-$1.7M
FY-2$90.7M$21.8M$14.5M$7.0M
FY-1$84.7M$16.7M$11.3M$7.7M
FY0$92.9M$14.2M$9.5M$4.8M
PeriodGross %Op %Net %FCF %
FY-4
FY-3
FY-2
FY-1
FY0
PeriodAssetsEquityCashDebt
FY-4$622.3M$76.2M$17.6M
FY-3$633.7M$81.8M$19.4M
FY-2$674.4M$91.4M$14.0M
FY-1$692.1M$87.6M$20.9M
FY0$714.4M$91.0M$9.1M
PeriodOCFCapExFCFSBC
FY-4$60.7M-$11.2M-$5.1M
FY-3$18.8M-$12.0M-$1.7M
FY-2-$50.1M-$8.5M$7.0M
FY-1-$60.7M-$426.6k$7.7M
FY0-$88.3M-$862.0k$4.8M
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
MetricHANL.TNActivity
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%
Observations
IR observations
Mean recommendation2.00 (1=strong buy, 5=strong sell)
Strong-buy count0.00
Buy count1.00
Hold count0.00
Sell count0.00
Strong-sell count0.00
Mean EPS estimate1.03 TND
Last actual EPS0.78 TND
Mean revenue estimate50,000,000 TND
Last actual revenue92,927,450 TND
Mean EBIT estimate19,300,000 TND
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
2026-05-08 06:20 UTC#f1f374f9
Source: analysis-pipeline (hybrid)Generated: 2026-05-28 02:29 UTCJob: 003b1000