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LHN.NM Consumer Lending

Letshego Holdings (Namibia) (Pty) Ltd

$550,00
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About

Letshego Holdings (Namibia) (Pty) Ltd operates in the consumer lending industry, providing banking and investment services to individuals and businesses.

Business. Letshego Holdings (Namibia) (Pty) Ltd (LHN.NM) is a Namibian financial services company operating in the consumer lending industry. The firm generates revenue primarily through fee-income models associated with banking and investment services. Specific details regarding operating segments and geographic breakdowns are not available. The company is listed under the ticker LHN.NM.

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
valuation pending
Analysts
not yet wired
Ownership
not yet wired
Profitability
not yet wired
Quality
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 LHN.
  • 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 LHN.NM. 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

    Letshego Holdings (Namibia) (Pty) Ltd (LHN.NM) is a Namibian financial services company operating in the consumer lending industry. The firm generates revenue primarily through fee-income models associated with banking and investment services. Specific details regarding operating segments and geographic breakdowns are not available. The company is listed under the ticker LHN.NM.

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

    The company's capital structure is characterized by a lack of detailed liquidity metrics, as liquidity risk could not be assessed due to insufficient balance-sheet inputs and no going-concern language in source documents. The absence of a liquidity risk assessment suggests a potential gap in financial transparency or disclosure.

    Profitability metrics are not available for comparison against industry benchmarks, as the valuation snapshot does not include computed ratios such as ROIC or margins. This limits the ability to assess the company's performance relative to its peers in the consumer lending industry.

    Geographic and segment exposure data are not disclosed in the available financial snapshot, making it difficult to evaluate revenue concentration or diversification across business lines or regions.

    Growth trajectory is constrained by the lack of historical revenue data and forward-looking outlooks. The most recent actual EPS is reported at 0.20 NAD, but no guidance is provided for future performance.

    Risk factors include the inability to assess liquidity risk, which could impact the company's ability to meet short-term obligations. Dilution risk is currently low, as there is no indication of potential share issuance or adjustments in the valuation data.

    Recent events or filings have not been disclosed in the available data, limiting the ability to assess any material developments that may affect the company's operations or financial position.

    Key takeaways
    • The company's liquidity risk could not be assessed due to insufficient balance-sheet inputs and no going-concern language in source documents.
    • Profitability metrics are not available for comparison against industry benchmarks.
    • Revenue concentration and geographic exposure are not disclosed in the available data.
    • The most recent actual EPS is reported at 0.20 NAD, but no guidance is provided for future performance.
    • Dilution risk is currently low, with no indication of potential share issuance or adjustments in the valuation data.
    • "margin_outlook_rationale": "Margin outlook cannot be determined due to the absence of profitability metrics in the valuation snapshot.",

    Bull / Bear case

    Generated · model-assisted
    BULL CASE · 5

    Net income surged 38.1% year-over-year to NAD 418.8 million, demonstrating strong recent profitability growth.

    Revenue grew 17.5% year-over-year to NAD 549.3 million, indicating robust top-line expansion in the latest period.

    Total assets expanded 28.9% year-over-year to NAD 7.1 billion, reflecting significant balance sheet growth.

    Revenue CAGR of 6.6% over four years shows consistent long-term top-line growth trajectory.

    Dilution risk is assessed as low, suggesting limited threat to existing shareholder equity value.

    BEAR CASE · 3

    Free cash flow dropped sharply to NAD 40.8 million in the latest period, down from NAD 220.5 million previously.

    Equity CAGR is flat at 0.0% over five years, indicating a lack of long-term capital accumulation.

    Net income CAGR of 4.6% over four years suggests modest long-term earnings growth potential.

    In focus — financials by report

    Annual
    ANNUALFiled 2021-03-04
    FY 2021 · Full-year highlights

    Revenue NAD 453.4M, −3,0% YoY; Net income +15,6% YoY.

    RevenueNAD 453.4M−3,0 % YoY
    Operating income
    Net incomeNAD 350.4M+15,6 % YoY
    Free cash flowNAD 80.7M−31,3 % YoY
    EPS
    Operating cash flow-NAD 78.8M+74,8 % YoY
    Financials
    Income statement
    RevenueNAD 453.4M
    Gross profit
    Operating income
    Net incomeNAD 350.4M
    Margins
    Gross margin
    Operating margin
    Net margin77.3%
    FCF margin17.8%
    Balance sheet
    Total assetsNAD 6.18B
    Total liabilitiesNAD 3.61B
    Total equityNAD 2.57B
    Cash & equivalents
    Long-term debtNAD 2.61B
    Cash flow
    Operating cash flow-NAD 78.8M
    CapEx-NAD 9.0M
    Free cash flowNAD 80.7M
    SBC
    Highlights
    • Revenue NAD 453.4M, −3,0% YoY
    • Net income +15,6% YoY
    • Free cash flow −31,3% YoY
    • Net margin 77.3%

    Valuation FY

    Market price
    $550,00
    Market cap
    Enterprise value
    P/E
    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
    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 riskUnknown

    Benchmarks vs cohort

    No cohort benchmark data available for this issuer yet.

    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
    Source documents
    • Letshego Holdings (Namibia) (Pty) Ltd Market data — financials · 2026-05-28
    • Letshego Holdings (Namibia) (Pty) Ltd Market data — analyst estimates · 2026-05-28

    Ownership & reference

    Leadership

    • Ester KaliChief Executive Officer, Executive Director

    Insider activity

    — missing data

    Short positioning

    — missing data

    Geographic breakdown

    — missing data
    Listings · one canonical issuer all listings resolve to the canonical
    LHN.NMCanonical
    — · USD

    Intel & risk

    peak dispatch · —
    OSINT findings
    Dilution riskLow
    Liquidity riskUnknown

    Evidence & claims

    From filings & derived data
    — missing data

    The Thread

    Everything we know, in order
    2021-03-04 10:01 UTCEARNINGSAnnual results — FY 2021 Revenue NAD 453.4M · Net NAD 350.4M
    The entity's full life in the product — typed, chronological, joined across Newspaper, Platform and Data. Our memory, made visible.
    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