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  • VFIN Community

    Vallibel Finance PLC is engaged in proving financial solutions. The Company's principal activities are the granting of finance leases, hire purchase, assets financing, granting of mortgage loans, gold loans, mobilization of deposits and other credit facilities and related services in the finance business. The Company operates through four segments: Finance Lease, Hire Purchase, Loans and Advances, and Investments. The Company offers various services, such as fixed deposits, which the Company accepts deposits from public for period of 1 month to 60 months; leasing facilities, which are granted for new, as well as used vehicles and equipment; micro finance, in which leases are granted targeting small and medium scale entrepreneurs to support the business, and personal loans, which are granted for vehicle purchasing. It serves customers from entrepreneurs to large corporate and small businesses to enterprising households.
    "The best values today are often found in the stocks that were once hot and have since gone cold"

  • #2
    Financial Performance- Period ended 30 June 2018

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    Last edited by ruwan326; 08-13-2018, 02:42 PM.

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    • #3
      What i noticed with VFIN through my analysis, the income grown from 2.45billion to 6.3bil a 156% And 36% YoY.
      Interest expenses increase had been 169% from 2014 and 2015. during this period revenue acceleration/incremental down from 156% to 124%.
      But the PBT growth has been a slow starter. growing from 300mil to 1bil.
      can we see a shift in this.
      RAO looks very decent and above compared to some.
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      "The best values today are often found in the stocks that were once hot and have since gone cold"

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      • #4
        High ROE is a plus for VFIN(Which is doubled the sector benchmark) . And a Healthy YoY trend with TTM equally on the growth side.
        "The best values today are often found in the stocks that were once hot and have since gone cold"

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        • #5
          Just added another line.
          Lending Portfolio sees a growth of 8% in TTM, YoY a dip to 24%in 2018 compared to 2017.
          Double digit growth across.
          I see Int. expenses improved.

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          Last edited by SHARK; 09-08-2018, 10:40 PM. Reason: Replaced with revised chart.
          "The best values today are often found in the stocks that were once hot and have since gone cold"

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          • #6
            Originally posted by SHARK View Post
            Just added another line.
            Lending Portfolio sees a growth of 8% in TTM, YoY a dip to 24%in 2018 compared to 2017.
            Double digit growth across.
            I see Int. expenses improved.

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            Funds received from RI will improve the Interest margin.

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            • #7
              Financial Performance- Period ended 30 September 2018

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              • #8
                By looking at the analysis table below, results do not appear to be very good this year.

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                "The best values today are often found in the stocks that were once hot and have since gone cold"

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                • #9
                  Yes Asset Base has grown 13% TTM, Deposits have declined, whilst Lending have expanded 16%, but PAT is FLAT.
                  Interste Revenue & Expenses show somewhat mixed signal. There is no bigger GAP between the two.
                  "The best values today are often found in the stocks that were once hot and have since gone cold"

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                  • #10
                    VFIN has held its forte well and slight dent in PAT due to increase in NPL and Taxes. Loan book has grown 27% and NAV is 86.00. Should be able to do well in coming Qtr having rights money as well. Hope Div over 3/- by Mar

                    Discl. Hold

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                    • #11
                      Did anyone remember we were discussing of institutional buyers need to come in. One of my good friends in the circle has pointed out.
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                      "The best values today are often found in the stocks that were once hot and have since gone cold"

                      Comment

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