Stock CAL CALBANK PLC
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Financials CalBank PLC

Equities

CAL

GH0000000649

Banks

End-of-day quote Ghana S.E.
Other stock markets
 06:00:00 2024-04-25 pm EDT 		5-day change 1st Jan Change
0.38 GHS 0.00% Intraday chart for CalBank PLC -2.56% -20.83%
Apr. 25 CalBank PLC Reports Earnings Results for the First Quarter Ended March 31, 2024 CI
Apr. 22 CalBank PLC Reports Earnings Results for the Full Year Ended December 31, 2023 CI

Valuation

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Capitalization 1 614.1 557.7 431.7 545.1 407.2 301.2
Enterprise Value (EV) 1 919 2,058 923.4 1,470 971.4 -736.7
P/E ratio 4 x 3.21 x 2.02 x 2.44 x -0.5 x -0.45 x
Yield 4.9% 10% 15.9% 16.1% - -
Capitalization / Revenue 1.36 x 1.09 x 0.72 x 0.82 x -0.62 x -0.76 x
EV / Revenue 2.03 x 4.03 x 1.53 x 2.22 x -1.47 x 1.86 x
EV / EBITDA - - - - - -
EV / FCF - - - - - -
FCF Yield - - - - - -
Price to Book 0.79 x 0.57 x 0.38 x 0.42 x 0.77 x -3.72 x
Nbr of stocks (in thousands) 626,590 626,585 625,588 626,585 626,398 627,538
Reference price 2 0.9800 0.8900 0.6900 0.8700 0.6500 0.4800
Announcement Date 2/27/19 2/27/20 3/31/21 2/25/22 5/4/23 4/22/24
1GHS in Million2GHS
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net sales 1 452.5 510.3 601.8 663.3 -659.6 -396.2
EBITDA - - - - - -
EBIT - - - - - -
Operating Margin - - - - - -
Earnings before Tax (EBT) 1 222.9 242.9 284.6 337.5 -1,072 -946.2
Net income 1 153.2 173.4 213.8 222.9 -809.8 -671.1
Net margin 33.86% 33.98% 35.53% 33.6% 122.78% 169.38%
EPS 2 0.2449 0.2772 0.3419 0.3564 -1.295 -1.071
Free Cash Flow - - - - - -
FCF margin - - - - - -
FCF Conversion (EBITDA) - - - - - -
FCF Conversion (Net income) - - - - - -
Dividend per Share 2 0.0480 0.0890 0.1100 0.1400 - -
Announcement Date 2/27/19 2/27/20 3/31/21 2/25/22 5/4/23 4/22/24
1GHS in Million2GHS
Estimates

Balance Sheet Analysis

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net Debt 1 305 1,500 492 925 564 -
Net Cash position 1 - - - - - 1,038
Leverage (Debt/EBITDA) - - - - - -
Free Cash Flow - - - - - -
ROE (net income / shareholders' equity) 21.1% 19.8% 20.3% 18.4% -89.1% -344%
ROA (Net income/ Total Assets) 3.18% 2.78% 2.86% 2.48% -8.4% -7.01%
Assets 1 4,821 6,234 7,487 8,982 9,645 9,575
Book Value Per Share 2 1.240 1.560 1.810 2.050 0.8500 -0.1300
Cash Flow per Share 2 0.5100 0.3400 1.370 1.080 1.700 2.120
Capex 1 150 32.1 42.4 34.4 71.4 53.5
Capex / Sales 33.08% 6.29% 7.05% 5.19% -10.82% -13.51%
Announcement Date 2/27/19 2/27/20 3/31/21 2/25/22 5/4/23 4/22/24
1GHS in Million2GHS
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

Annual profits - Rate of surprise

Company calendar

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