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N1 Holdings

ASX:N1H
Snowflake Description

Weak fundamentals or lack of information.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
N1H
ASX
A$3M
Market Cap
  1. Home
  2. AU
  3. Banks
Company description

N1 Holdings Limited provides mortgage broking services to customers in Australia. The last earnings update was 47 days ago. More info.


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N1H Share Price and Events
7 Day Returns
0%
ASX:N1H
-3.3%
AU Mortgage
0%
AU Market
1 Year Returns
-
ASX:N1H
42.3%
AU Mortgage
15.3%
AU Market
N1H Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
N1 Holdings (N1H) 0% -10.9% - - -75.9% -
AU Mortgage -3.3% 4.5% 21% 42.3% 19.4% -11.2%
AU Market 0% 0.5% 4.7% 15.3% 21.6% 20.7%
1 Year Return vs Industry and Market
  • No trading data on N1H.
  • No trading data on N1H.
Price Volatility
N1H
Industry
5yr Volatility vs Market

Value

 Is N1 Holdings undervalued based on future cash flows and its price relative to the stock market?

Value is all about what a company is worth versus what price it is available for. If you went into a grocery store and all the bananas were on sale at half price, they could be considered undervalued.
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
  • It is not possible to calculate the future cash flow value for N1 Holdings. This is due to cash flow or dividend data being unavailable. The share price is A$0.041.
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing when they are out of season, or how much your home is worth.

The amount the stock market is willing to pay for N1 Holdings's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are N1 Holdings's earnings available for a low price, and how does this compare to other companies in the same industry?
Raw Data
ASX:N1H PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2019-06-30) in AUD A$-0.03
ASX:N1H Share Price ** ASX (2019-10-18) in AUD A$0.04
Global Mortgage Industry PE Ratio Median Figure of 174 Publicly-Listed Mortgage Companies 13.93x
Australia Market PE Ratio Median Figure of 519 Publicly-Listed Companies 18.45x

* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.

** Primary Listing of N1 Holdings.

ASX:N1H PE (Price to Earnings) Ratio Calculation
Calculation Outcome
PE Ratio

= ASX:N1H Share Price ÷ EPS (both in AUD)

= 0.04 ÷ -0.03

-1.3x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • N1 Holdings is loss making, we can't compare its value to the Global Mortgage industry average.
  • N1 Holdings is loss making, we can't compare the value of its earnings to the Australia market.
Price based on expected Growth
Does N1 Holdings's expected growth come at a high price?
Raw Data
ASX:N1H PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section -1.3x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 0 Analysts
Not available
Global Mortgage Industry PEG Ratio Median Figure of 73 Publicly-Listed Mortgage Companies 1.02x
Australia Market PEG Ratio Median Figure of 346 Publicly-Listed Companies 1.59x

*Line of best fit is calculated by linear regression .

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unable to calculate PEG ratio for N1 Holdings, we can't assess if its growth is good value.
Price based on value of assets
What value do investors place on N1 Holdings's assets?
Raw Data
ASX:N1H PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2019-06-30) in AUD A$0.00
ASX:N1H Share Price * ASX (2019-10-18) in AUD A$0.04
Australia Mortgage Industry PB Ratio Median Figure of 6 Publicly-Listed Mortgage Companies 0.99x
Australia Market PB Ratio Median Figure of 1,585 Publicly-Listed Companies 1.71x
ASX:N1H PB (Price to Book) Ratio Calculation
Calculation Outcome
PB Ratio

= ASX:N1H Share Price ÷ Book Value per Share (both in AUD)

= 0.04 ÷ 0.00

14.32x

* Primary Listing of N1 Holdings.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • N1 Holdings is overvalued based on assets compared to the AU Mortgage industry average.
X
Value checks
We assess N1 Holdings's value by looking at:
  1. Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
  2. Is the PE ratio less than the market average, and/ or less than the Mortgage industry average (and greater than 0)? (2 checks)
  3. Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
  4. Is the PB ratio less than the Mortgage industry average (and greater than 0)? (1 check)
  5. N1 Holdings has a total score of 0/6, see the detailed checks below.

    Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.

    Full details on the Value part of the Simply Wall St company analysis model.

Future Performance

 How is N1 Holdings expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as N1 Holdings has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by Simply Wall St do have past financial data. You can see them here.

Show me the analysis anyway

The future performance of a company is measured in the same way as past performance, by looking at estimated growth and how much profit it is expected to make.

Future estimates come from professional analysts. Just like forecasting the weather, they don’t always get it right!
Annual Growth Rate
7.5%
Expected Mortgage industry annual growth in earnings.
Earnings growth vs Low Risk Savings
Is N1 Holdings expected to grow at an attractive rate?
  • Unable to compare N1 Holdings's earnings growth to the low risk savings rate as no estimate data is available.
Growth vs Market Checks
  • Unable to compare N1 Holdings's earnings growth to the Australia market average as no estimate data is available.
  • Unable to compare N1 Holdings's revenue growth to the Australia market average as no estimate data is available.
Annual Growth Rates Comparison
Raw Data
ASX:N1H Future Growth Rates Data Sources
Data Point Source Value (per year)
Global Mortgage Industry Earnings Growth Rate Market Cap Weighted Average 7.5%
Global Mortgage Industry Revenue Growth Rate Market Cap Weighted Average 4.3%
Australia Market Earnings Growth Rate Market Cap Weighted Average 9.8%
Australia Market Revenue Growth Rate Market Cap Weighted Average 3.6%

*Line of best fit is calculated by linear regression .

Industry and Market average data is calculated daily.

Learn more about our growth rate calculations in Simply Wall St’s analysis model.

Analysts growth expectations
Raw Data
ASX:N1H Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (4 months ago) See Below
Future Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below
All numbers in AUD Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
ASX:N1H Past Financials Data
Date (Data in AUD Millions) Revenue Cash Flow Net Income *
2019-06-30 4 0 -3
2019-03-31 4 0 -2
2018-12-31 4 -1 -2
2018-09-30 4 -1 -2
2018-06-30 4 -1 -2
2018-03-31 4 -2 -2
2017-12-31 4 -2 -1
2017-09-30 4 -2 -1
2017-06-30 4 -2 -1
2017-03-31 4 -2 -1
2016-12-31 4 -1 -1
2016-09-30 4 -1 -1

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • Unable to determine if N1 Holdings is high growth as no earnings estimate data is available.
  • Unable to determine if N1 Holdings is high growth as no revenue estimate data is available.
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can be gauged below. We look back 3 years and see if they were any good at predicting what actually occurred. We also show the highest and lowest estimates looking forward to see if there is a wide range.
Raw Data
ASX:N1H Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (4 months ago) See Below
Future Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below

All data from N1 Holdings Company Filings, last reported 4 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

ASX:N1H Past Financials Data
Date (Data in AUD Millions) EPS *
2019-06-30 -0.03
2019-03-31 -0.03
2018-12-31 -0.02
2018-09-30 -0.02
2018-06-30 -0.02
2018-03-31 -0.02
2017-12-31 -0.02
2017-09-30 -0.02
2017-06-30 -0.01
2017-03-31 -0.02
2016-12-31 -0.02
2016-09-30 -0.02

*GAAP earnings excluding extraordinary items.

Performance in 3 years
In the same way as past performance we look at the future estimated return (profit) compared to the available funds. We do this looking forward 3 years.
  • Unable to establish if N1 Holdings will efficiently use shareholders’ funds in the future without estimates of Return on Equity.

Next steps:

  1. Take a look at our analysis of N1H’s management and see if the CEO’s compensation is within a reasonable range, who is on the board and if insiders have been trading lately.
  2. N1 Holdings's future outlook can be gauged by looking at industry trends and market size, and determining how well-positioned the company is compared to its competitors. Take a look at other high-growth Banks companies here
  3. N1 Holdings's competitive advantages and company strategy can generally be found in its financial reports archived here.
  4. Use fundamentals to screen for another stock to analyse from our database of over 75,000 companies worldwide
X
Future performance checks
We assess N1 Holdings's future performance by looking at:
  1. Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
  2. Is the annual earnings growth rate expected to beat the average growth rate in earnings of the Global market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the Global market? (1 check)
  4. Is the annual earnings growth rate expected to be above 20%? (1 check)
  5. Is the annual revenue growth rate expected to be above 20%? (1 check)
  6. Is the Return on Equity in 3 years expected to be over 20%? (1 check)
Some of the above checks will fail if the company is expected to be loss making in the relevant year.
N1 Holdings has a total score of 0/6, see the detailed checks below.

Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.

Full details on the Future part of the Simply Wall St company analysis model.

Past Performance

  How has N1 Holdings performed over the past 5 years?

The past performance of a company can be measured by how much growth it has experienced and how much profit it makes relative to the funds and assets it has available.
Past earnings growth
Below we compare N1 Holdings's growth in the last year to its industry (Mortgage).
Past Earnings growth analysis
We also check if the company has grown in the past 5 years, and whether it has maintained that growth in the year.
  • N1 Holdings does not make a profit and their year on year earnings growth rate was negative over the past 5 years.
  • Unable to compare N1 Holdings's 1-year earnings growth to the 5-year average as it is not currently profitable.
  • Unable to compare N1 Holdings's 1-year growth to the Global Mortgage industry average as it is not currently profitable.
Earnings and Revenue History
N1 Holdings's revenue and profit over the past 5 years is shown below, any years where they have experienced a loss will show up in red.
Raw Data

All data from N1 Holdings Company Filings, last reported 4 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

ASX:N1H Past Revenue, Cash Flow and Net Income Data
Date (Data in AUD Millions) Revenue Net Income * G+A Expenses R&D Expenses
2019-06-30 4.09 -2.57 3.82
2019-03-31 4.00 -2.21 3.88
2018-12-31 3.85 -1.85 3.94
2018-09-30 3.72 -1.85 4.04
2018-06-30 3.66 -1.85 4.13
2018-03-31 3.83 -1.66 4.35
2017-12-31 4.00 -1.48 4.57
2017-09-30 4.15 -1.34 4.54
2017-06-30 4.30 -1.20 4.51
2017-03-31 4.11 -1.26 4.07
2016-12-31 3.91 -1.31 3.63
2016-09-30 3.65 -1.31 3.27
2016-06-30 3.39 -1.31 2.90
2015-06-30 4.02 0.56 1.42
2014-06-30 1.67 0.00 0.25
2013-06-30 0.70 0.03 0.06

*GAAP earnings excluding extraordinary items.

Performance last year
We want to ensure a company is making the most of what it has available. This is done by comparing the return (profit) to a company's available funds, assets and capital.
  • It is difficult to establish if N1 Holdings has efficiently used shareholders’ funds last year (Return on Equity greater than 20%) as it is loss-making.
  • It is difficult to establish if N1 Holdings has efficiently used its assets last year compared to the Global Mortgage industry average (Return on Assets) as it is loss-making.
  • It is difficult to establish if N1 Holdings improved its use of capital last year versus 3 years ago (Return on Capital Employed) as it is currently loss-making.
X
Past performance checks
We assess N1 Holdings's performance over the past 5 years by checking for:
  1. Has earnings increased in past 5 years? (1 check)
  2. Has the earnings growth in the last year exceeded that of the Mortgage industry? (1 check)
  3. Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
  4. Is the Return on Equity (ROE) higher than 20%? (1 check)
  5. Is the Return on Assets (ROA) above industry average? (1 check)
  6. Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent earnings report. Some checks require at least 3 or 5 years worth of data.
N1 Holdings has a total score of 0/6, see the detailed checks below.

Note: We use GAAP Net Income excluding extraordinary items in all our calculations.

Full details on the Past part of the Simply Wall St company analysis model.

Health

 How is N1 Holdings's financial position? (This company is analysed differently as a bank or financial institution)

This company is a bank or financial institution.

Fundamentally a bank's business is based upon borrowing and lending money, for this reason they typically have high levels of debt and we analyse them differently.
Net Worth
Balance sheet
This treemap shows a more detailed breakdown of N1 Holdings's finances. If any of them are yellow this indicates they may be out of proportion and red means they relate to one of the checks below.
Assets
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
Historical Debt
Nearly all companies have debt. Debt in itself isn’t bad, however if the debt is too high, or the company can’t afford to pay the interest on its debts this may have impacts in the future.

The graphic below shows equity (available funds) and debt, we ideally want to see the red area (debt) decreasing.

If there is any debt we look at the companies capability to repay it, and whether the level has increased over the past 5 years.
Raw Data

All data from N1 Holdings Company Filings, last reported 4 months ago.

ASX:N1H Past Debt and Equity Data
Date (Data in AUD Millions) Total Equity Total Debt Cash & Short Term Investments
2019-06-30 0.23 7.81 1.34
2019-03-31 0.23 7.81 1.34
2018-12-31 2.10 6.31 0.57
2018-09-30 2.10 6.31 0.57
2018-06-30 2.26 4.69 1.01
2018-03-31 2.26 4.69 1.01
2017-12-31 3.35 2.96 1.65
2017-09-30 3.35 2.96 1.65
2017-06-30 4.10 1.62 0.91
2017-03-31 4.10 1.62 0.91
2016-12-31 4.75 0.97 1.41
2016-09-30 4.75 0.97 1.41
2016-06-30 5.22 0.00 3.88
2015-06-30 0.69 0.77 0.65
2014-06-30 0.00 0.02 0.06
2013-06-30 0.00 0.00 0.01
BANK ANALYSIS

This company is a bank or financial institution, which is analysed accordingly below.

Below we check the amount of loans the bank has, how many of those are bad, and its ability to cover any bad loans.
  • Unable to establish if N1 Holdings has an acceptable proportion of non-loan assets without balance sheet data.
  • Unable to establish if N1 Holdings's liabilities are primarily made up of low risk funding sources without deposits or liabilities data.
  • N1 Holdings reports no customer deposits, loans are made up entirely of borrowed funds.
  • N1 Holdings's level of assets compared to its equity is very high (i.e. bank has borrowed heavily to fund lending).
  • Unable to establish if N1 Holdings has a sufficient allowance for bad loans without relevant financial data.
  • Unable to establish if N1 Holdings has an acceptable level of bad loans without bad loans data.
X
Financial health checks
We assess N1 Holdings's financial health by checking for:
  1. Are short term assets greater than short term liabilities? (1 check)
  2. Are short term assets greater than long term liabilities? (1 check)
  3. Has the debt to equity ratio increased in the past 5 years? (1 check)
  4. Is the debt to equity ratio over 40%? (1 check)
  5. Is the debt covered by operating cash flow? (1 check)
  6. Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check)
  7. N1 Holdings has a total score of 0/6, see the detailed checks below.
For companies that are loss making and have been so on average in the past we replace the last 2 checks with:
  1. Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
  2. Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)


Full details on the Health part of the Simply Wall St company analysis model.

Dividends

 What is N1 Holdings's current dividend yield, its reliability and sustainability?

Dividends are regular cash payments to you from the company, similar to a bank paying you interest on a savings account.
Annual Dividend Income
Dividend payments
0%
Current annual income from N1 Holdings dividends.
If you bought A$2,000 of N1 Holdings shares you are expected to receive A$0 in your first year as a dividend.
Dividend Amount
Here we look how much dividend is being paid, if any. Is it above what you can get in a savings account? It is up there with the best dividend paying companies?
  • Unable to evaluate N1 Holdings's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.
  • Unable to evaluate N1 Holdings's dividend against the top 25% market benchmark as the company has not reported any payouts.
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not wildly increasing/decreasing each year. This graph shows you the historical rate to count toward your assessment of the stock.

We also check to see if the dividend has increased in the past 10 years.
Raw Data
ASX:N1H Annualized Past and Future Dividends
Data Point Source Value
Past Annualized Dividend Yield S&P Global Market Data See Below
Past Dividends per Share Company Filings/ Annualized Dividend Payments See Below
Future Dividends per Share Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below
Global Mortgage Industry Average Dividend Yield Market Cap Weighted Average of 131 Stocks 2.5%
Australia Market Average Dividend Yield Market Cap Weighted Average of 391 Stocks 4.1%
Australia Minimum Threshold Dividend Yield 10th Percentile 1.5%
Australia Bottom 25% Dividend Yield 25th Percentile 2.4%
Australia Top 25% Dividend Yield 75th Percentile 5.6%

Industry and Market average data is calculated daily.

Note all dividend per share amounts are annualized and not quarterly or other period.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unable to perform a dividend volatility check as N1 Holdings has not reported any payouts.
  • Unable to verify if N1 Holdings's dividend has been increasing as the company has not reported any payouts.
Current Payout to shareholders
What portion of N1 Holdings's earnings are paid to the shareholders as a dividend.
  • Unable to calculate sustainability of dividends as N1 Holdings has not reported any payouts.
Future Payout to shareholders
  • Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.
X
Income/ dividend checks
We assess N1 Holdings's dividend by checking for:
  1. Firstly is the company paying a notable dividend (greater than 1.5%) - if not then the rest of the checks are ignored.
  2. Is current dividend yield above the bottom 25% of dividend payers? (1 check)
  3. Is current dividend yield above the top 25% of dividend payers? (1 check)
  4. Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
  5. If they have paid a dividend for 10 years has it increased in this time? (1 check)
  6. How sustainable is the dividend, can N1 Holdings afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
  7. N1 Holdings has a total score of 0/6, see the detailed checks below.


Full details on the Dividends part of the Simply Wall St company analysis model.

Management

 What is the CEO of N1 Holdings's salary, the management and board of directors tenure and is there insider trading?

Management is one of the most important areas of a company. We look at unreasonable CEO compensation, how long the team and board of directors have been around for and insider trading.
CEO
Ren Hor Wong
COMPENSATION A$413,254
CEO Bio

Mr. Ren Hor Wong serves as an Executive Chairman and Chief Executive Officer at N1 Holdings Limited and has been its Executive Director since November 24, 2015. Mr. Wong has been responsible for developing N1's business strategy and expanding the business into Asia Pacific. Prior to establishing N1, he applied his entrepreneurial and management skills in industries ranging from courier, printing and to real estate over the span of 6 years. Mr. Wong has founded and successfully exited various businesses including Copiko Printing, Sydneymove.com.au and Packers Unpackers. He is a Licensed Mortgage Broker and fluent in both oral and written communication forms of Mandarin and Cantonese dialects derived from China. He conducts regular seminar and provides topical discussions across Asia regarding Australia property investments and financing. He has also published multiple guides and learner books for release in China. Mr. Wong holds a Bachelor of Engineering with Honours from University of New South Wales.

CEO Compensation
  • Ren Hor's compensation has increased whilst company is loss making.
  • Ren Hor's remuneration is about average for companies of similar size in Australia.
Management Team Tenure

Average tenure of the N1 Holdings management team in years:

2.8
Average Tenure
  • The tenure for the N1 Holdings management team is about average.
Management Team

Ren Hor Wong

TITLE
Executive Chairman & CEO
COMPENSATION
A$413K

Jia Penny He

TITLE
CFO & Executive Director
COMPENSATION
A$204K

Jacqueline Wang

TITLE
Chief Operation Officer
COMPENSATION
A$108K

Steven Shen

TITLE
Head of Marketing & PR

Wendy Zhang

TITLE
Head of Property Management
TENURE
2.8 yrs

Jessie Wang

TITLE
Head of Sales & Training - Home Lending
TENURE
2.1 yrs

Anand Sundaraj

TITLE
Company Secretary
TENURE
4 yrs
Board of Directors Tenure

Average tenure of the N1 Holdings board of directors in years:

3.7
Average Tenure
  • The tenure for the N1 Holdings board of directors is about average.
Board of Directors

Ren Hor Wong

TITLE
Executive Chairman & CEO
COMPENSATION
A$413K

Jia Penny He

TITLE
CFO & Executive Director
COMPENSATION
A$204K
TENURE
4 yrs

Tarun Kanji

TITLE
Independent Non-Executive Director
COMPENSATION
A$59K
TENURE
3.7 yrs

David Kenneth

TITLE
Independent Non-Executive Director
COMPENSATION
A$26K
TENURE
0.8 yrs
Who owns this company?
Recent Insider Trading
  • No 3 month open market individual insider trading information.
Recent Insider Transactions
Announced Type Name Entity Role Start End Shares Max Price (A$) Value (A$)
X
Management checks
We assess N1 Holdings's management by checking for:
  1. Is the CEO's compensation unreasonable compared to market cap? (1 check)
  2. Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
  3. Is the average tenure of the management team less than 2 years? (1 check)
  4. Is the average tenure of the board of directors team less than 3 years? (1 check)
  5. N1 Holdings has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.


Note: We use the top 6 management executives and board members in our calculations.

Note 2: Insider trading include any internal stakeholders and these transactions .

Full details on the Management part of the Simply Wall St company analysis model.

News

Simply Wall St News

What Kind Of Investor Owns Most Of N1 Holdings Limited (ASX:N1H)?

Large companies usually have institutions as shareholders, and we usually see insiders owning shares in smaller companies. … Insider Ownership Of N1 Holdings The definition of company insiders can be subjective, and does vary between jurisdictions. … Private Company Ownership We can see that Private Companies own 6.9%, of the shares on issue.

Simply Wall St -

What Kind Of Shareholder Owns Most N1 Holdings Limited (ASX:N1H) Stock?

Generally speaking, as a company grows, institutions will increase their ownership. … So it's nice to see some insider ownership, because it may suggest that management is owner-oriented. … Our analysis of the ownership of the company, below, shows that.

Simply Wall St -

What You Must Know About N1 Holdings Limited's (ASX:N1H) Major Investors

In this article, I will take a quick look at N1 Holdings Limited’s (ASX:N1H) recent ownership structure – an unconventional investing subject, but an important one. … The impact of a company's ownership structure affects both its short- and long-term performance. … Differences in ownership structure of companies can have a profound effect on how management's incentives are aligned with shareholder returns, and whether they adhere to corporate governance best practices.

Simply Wall St -

Who Are The Largest Shareholders In N1 Holdings Limited (ASX:N1H)?

I am going to take a deep dive into N1 Holdings Limited’s (ASX:N1H) most recent ownership structure, not a frequent subject of discussion among individual investors. … This size of ownership gives retail investors collective power in deciding on major policy decisions such as executive compensation, appointment of directors and acquisitions of businesses. … Thus, investors should dig deeper into N1H's business relations with these companies and how it can affect shareholder returns in the long-term.Next Steps: A relatively significant holding of company insiders could mean high alignment with shareholders.

Simply Wall St -

Does N1 Holdings Limited (ASX:N1H) Go Up With The Market?

With a beta of 1.25, N1 Holdings is a stock that tends to experience more gains than the market during a growth phase and also a bigger reduction in value compared to the market during a broad downturn. … As a result, the company may be less volatile relative to broad market movements, compared to a company of similar size but higher proportion of fixed assets. … However, this is the opposite to what N1H’s actual beta value suggests, which is higher stock volatility relative to the market.

Simply Wall St -

Should You Worry About N1 Holdings Limited's (ASX:N1H) CEO Salary Level?

Profitability of a company is a strong indication of N1H's ability to generate returns on shareholders' funds through corporate activities. … In the situation of negative earnings, the company may be incurring a period of reinvestment and growth, or it can be an indication of some headwind. … Normally I would use earnings and market cap to account for variations in performance, however, N1H's negative earnings reduces the usefulness of my formula.

Simply Wall St -

N1 Holdings Limited (ASX:N1H): Should The Recent Earnings Drop Worry You?

Below, I will assess N1H's latest performance announced on 31 December 2017 and weigh these figures against its longer term trend and industry movements. … Check out our latest analysis for N1 Holdings Was N1H's recent earnings decline worse than the long-term trend and the industry? … For the purpose of this commentary, I like to use data from the most recent 12 months, which either annualizes the most recent 6-month earnings update, or in some cases, the most recent annual report is already the latest available financial data.

Simply Wall St -

Why N1 Holdings Limited's (ASX:N1H) Investor Composition Impacts Your Returns

View our latest analysis for N1 Holdings ASX:N1H Ownership_summary Feb 22nd 18 Insider Ownership Another important group of shareholders are company insiders. … This size of ownership gives retail investors collective power in deciding on major policy decisions such as executive compensation, appointment of directors and acquisitions of businesses. … Private Company Ownership Potential investors in N1H should also look at another important group of investors: private companies, with a stake of 7.14%, who are primarily invested because of strategic and capital gain interests.

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N1 Holdings Limited (ASX:N1H) And The Financial Industry Prospect For 2017

ASX:N1H PE PEG Gauge Dec 29th 17 Mortgage and thrifts companies are typically trading at a PE of 18x, in-line with the Australian stock market PE of 18x. … However, if you’re relatively concentrated in mortgage and thrifts, you may want to value N1 Holdings based on its cash flows to determine if it is overpriced based on its current growth outlook. … If N1 Holdings has been on your watchlist for a while, now may be the time to enter into the stock, if you like its ability to deliver growth and are not highly concentrated in the mortgage and thrifts industry.

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Does N1 Holdings Limited's (ASX:N1H) Earnings Growth Make It An Outperformer?

See our latest analysis for N1 Holdings How N1H fared against its long-term earnings performance and its industry I like to use the ‘latest twelve-month’ data, which annualizes the latest 6-month earnings release, or some times, the latest annual report is already the most recent financial data. … For N1 Holdings, its latest twelve-month earnings is -A$1.2M, which, relative to last year’s level, has become less negative. … N1 Holdings's track record can be a valuable insight into its earnings performance, but it certainly doesn't tell the whole story.

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Company Info

Description

N1 Holdings Limited provides mortgage broking services to customers in Australia. The company offers home loans, including purchase and refinance; commercial lending products and services; and commercial property loans. It also provides car loan and equipment finance services; insurance products comprising life, total and permanent disability, income protection, critical illness, and business expenses insurance; and superannuation and investment products and services. In addition, the company offers residential sales and investment property management services under the N1 Realty name; migration and education consultation services under the N1 Migration name; and fund management services under the N1 Venture name. Further, it provides peripheral services that include local and international recruitment, funding and financing, cross-border investment, and business operations setup services for business operations under the N1 Business Services name. Additionally, the company operates N1 Center, a financial and property services shop; and chengdai.com.au, an Australian mortgage products comparison site, as well as publishes Australian Smart Investment, a finance, property, and investment magazine that provides news, insights, and education to Australian and international Chinese investors. It offers its home loans, business financing, commercial property loans, development site funding, and financial planning services under the N1 Loans name. The company was founded in 2011 and is headquartered in Sydney, Australia.

Details
Name: N1 Holdings Limited
N1H
Exchange: ASX
Founded: 2011
A$3,343,778
81,555,573
Website: http://www.n1holdings.com.au
Address: N1 Holdings Limited
77 King Street,
Suite 502,
Sydney,
New South Wales, 2000,
Australia
Listings
Exchange Symbol Ticker Symbol Security Exchange Country Currency Listed on
ASX N1H Ordinary Shares Australian Securities Exchange AU AUD 18. Mar 2016
Number of employees
Current staff
Staff numbers
0
N1 Holdings employees.
Industry
Thrifts and Mortgage Finance
Banks
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2019/11/15 10:40
End of day share price update: 2019/10/18 00:00
Last earnings filing: 2019/09/29
Last earnings reported: 2019/06/30
Last annual earnings reported: 2019/06/30


All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.