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MyBucks

DB:MBC
Snowflake Description

Imperfect balance sheet with weak fundamentals.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
MBC
DB
€7M
Market Cap
  1. Home
  2. DE
  3. Diversified Financials
Company description

MyBucks S.A., a digital banking company, provides various financial products and services in Africa, Europe, and Australia. The last earnings update was 392 days ago. More info.


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  • MyBucks has significant price volatility in the past 3 months.
MBC Share Price and Events
7 Day Returns
5%
DB:MBC
6%
Europe Consumer Finance
7.3%
DE Market
1 Year Returns
-53.9%
DB:MBC
-48.3%
Europe Consumer Finance
-17.7%
DE Market
MBC Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
MyBucks (MBC) 5% -25.5% -38.5% -53.9% -96.6% -
Europe Consumer Finance 6% -34.5% -40.3% -48.3% -64.4% -63.3%
DE Market 7.3% -17.9% -25.8% -17.7% -25.6% -29%
1 Year Return vs Industry and Market
  • MBC underperformed the Consumer Finance industry which returned -48.3% over the past year.
  • MBC underperformed the Market in Germany which returned -17.7% over the past year.
Price Volatility
MBC
Industry
5yr Volatility vs Market
Related Companies

Sorry, no analysis for MyBucks's competitors could be found in our database.

MBC Value

 Is MyBucks 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.

In this section, we usually try to help investors determine whether MyBucks is trading at an attractive price based on the cash flow it is expected to produce in the future. But as MyBucks has not provided consistent financial data, and the stock also has no analyst forecast or coverage, its intrinsic value cannot be reliably calculated by extrapolating past data or using analyst consensus cash flow predictions.

This is quite a rare situation as 89% of companies covered by Simply Wall St do have a valuation analysis. You can see them here.

Show me the analysis anyway

INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
  • It is not possible to calculate the future cash flow value for MyBucks. This is due to cash flow or dividend data being unavailable. The share price is €0.502.
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 MyBucks's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are MyBucks's earnings available for a low price, and how does this compare to other companies in the same industry?
Raw Data
DB:MBC PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2018-12-31) in EUR €-1.02
XTRA:MBC Share Price ** XTRA (2020-03-30) in EUR €0.52
Europe Consumer Finance Industry PE Ratio Median Figure of 27 Publicly-Listed Consumer Finance Companies 5.55x
Germany Market PE Ratio Median Figure of 400 Publicly-Listed Companies 16.36x

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

** Primary Listing of MyBucks.

DB:MBC PE (Price to Earnings) Ratio Calculation
Calculation Outcome
PE Ratio

= XTRA:MBC Share Price ÷ EPS (both in EUR)

= 0.52 ÷ -1.02

-0.5x

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

  • MyBucks is loss making, we can't compare its value to the Europe Consumer Finance industry average.
  • MyBucks is loss making, we can't compare the value of its earnings to the Germany market.
Price based on expected Growth
Does MyBucks's expected growth come at a high price?
Raw Data
DB:MBC PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section -0.5x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 0 Analysts
Not available
Europe Consumer Finance Industry PEG Ratio Median Figure of 19 Publicly-Listed Consumer Finance Companies 0.41x
Germany Market PEG Ratio Median Figure of 254 Publicly-Listed Companies 1.2x

*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 MyBucks, we can't assess if its growth is good value.
Price based on value of assets
What value do investors place on MyBucks's assets?
Raw Data
DB:MBC PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2018-12-31) in EUR €-0.20
XTRA:MBC Share Price * XTRA (2020-03-30) in EUR €0.52
Europe Consumer Finance Industry PB Ratio Median Figure of 42 Publicly-Listed Consumer Finance Companies 0.71x
Germany Market PB Ratio Median Figure of 574 Publicly-Listed Companies 1.43x
DB:MBC PB (Price to Book) Ratio Calculation
Calculation Outcome
PB Ratio

= XTRA:MBC Share Price ÷ Book Value per Share (both in EUR)

= 0.52 ÷ -0.20

-2.59x

* Primary Listing of MyBucks.

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

  • MyBucks has negative assets, we can't compare the value of its assets to the Europe Consumer Finance industry average.

Next steps:

  1. Take a look at our analysis of MBC’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. When valuing a company like this, investors focus more on how they perceive the size of the opportunity, the company's ability to deliver and scale, and the strength of the team. While we are not analysing this type of data at the moment, if you don’t know where to start, we recommend reading through MyBucks's regulatory filings and announcements.
  3. Show me more potentially undervalued companies in the Consumer Finance industry
  4. Use fundamentals to screen for another stock to analyse from our database of over 75,000 companies worldwide
X
Value checks
We assess MyBucks'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 Consumer Finance 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 Consumer Finance industry average (and greater than 0)? (1 check)
  5. MyBucks 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.

MBC Future Performance

 How is MyBucks 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 MyBucks 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
13%
Expected Consumer Finance industry annual growth in earnings.
Earnings growth vs Low Risk Savings
Is MyBucks expected to grow at an attractive rate?
  • Unable to compare MyBucks's earnings growth to the low risk savings rate as no estimate data is available.
Growth vs Market Checks
  • Unable to compare MyBucks's earnings growth to the Germany market average as no estimate data is available.
  • Unable to compare MyBucks's revenue growth to the Germany market average as no estimate data is available.
Annual Growth Rates Comparison
Raw Data
DB:MBC Future Growth Rates Data Sources
Data Point Source Value (per year)
Europe Consumer Finance Industry Earnings Growth Rate Market Cap Weighted Average 13%
Europe Consumer Finance Industry Revenue Growth Rate Market Cap Weighted Average 9.7%
Germany Market Earnings Growth Rate Market Cap Weighted Average 14.3%
Germany Market Revenue Growth Rate Market Cap Weighted Average 4.1%

*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
DB:MBC Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (1 year ago) See Below
Future Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below
All numbers in EUR Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
DB:MBC Future Estimates Data
Date (Data in EUR Millions) Revenue Cash Flow Net Income * Avg. No. Analysts
DB:MBC Past Financials Data
Date (Data in EUR Millions) Revenue Cash Flow Net Income *
2018-12-31 35 -28 -13
2018-09-30 31 -26 -12
2018-06-30 27 -25 -10
2018-03-31 28 -23 -10
2017-12-31 27 -21 -9
2017-09-30 25 -25 -11
2017-06-30 23 -28 -13
2016-12-31 15 -20 -10
2016-09-30 17 -13 -6
2016-06-30 18 -7 -2
2016-03-31 20 -7 0

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • Unable to determine if MyBucks is high growth as no earnings estimate data is available.
  • Unable to determine if MyBucks 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
DB:MBC Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (1 year ago) See Below
Future Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below

All data from MyBucks Company Filings, last reported 1 year ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

DB:MBC Future Estimates Data
Date (Data in EUR Millions) EPS * EPS High Estimate EPS Low Estimate Avg. No. Analysts
DB:MBC Past Financials Data
Date (Data in EUR Millions) EPS *
2018-12-31 -1.02
2018-09-30 -0.93
2018-06-30 -0.83
2018-03-31 -0.81
2017-12-31 -0.79
2017-09-30 -0.94
2017-06-30 -1.10
2016-12-31 -0.98
2016-09-30 -0.61
2016-06-30 -0.22
2016-03-31 0.04

*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 MyBucks will efficiently use shareholders’ funds in the future without estimates of Return on Equity.

Next steps:

  1. Take a look at our analysis of MBC’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. MyBucks'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 Diversified Financials companies here
  3. MyBucks'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 MyBucks'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 Europe market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the Europe 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.
MyBucks 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.

MBC Past Performance

  How has MyBucks performed over the past 5 years?

  • MyBucks's last earnings update was 392 days ago.
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 MyBucks's growth in the last year to its industry (Consumer Finance).
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.
  • MyBucks does not make a profit and there is insufficient past data to establish if their 5 year on year earnings growth rate was positive.
  • Unable to compare MyBucks's 1-year earnings growth to the 5-year average as it is not currently profitable.
  • Unable to compare MyBucks's 1-year growth to the Europe Consumer Finance industry average as it is not currently profitable.
Earnings and Revenue History
MyBucks'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 MyBucks Company Filings, last reported 1 year ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

DB:MBC Past Revenue, Cash Flow and Net Income Data
Date (Data in EUR Millions) Revenue Net Income * G+A Expenses R&D Expenses
2018-12-31 35.24 -13.06 34.20
2018-09-30 31.36 -11.53 31.55
2018-06-30 27.48 -10.00 28.89
2018-03-31 28.12 -9.62 29.68
2017-12-31 27.41 -9.23 28.16
2017-09-30 25.39 -10.96 27.05
2017-06-30 23.37 -12.68 25.94
2016-12-31 15.04 -10.38 19.89
2016-09-30 16.63 -6.30 16.04
2016-06-30 18.21 -2.23 12.19
2016-03-31 20.15 0.43 2.67
2015-12-31 22.35 2.75 2.95
2015-09-30 20.56 2.10 2.76
2015-06-30 18.76 1.45 2.58
2014-06-30 9.07 1.55 0.80
2013-06-30 1.78 -1.52 0.57

*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 MyBucks has efficiently used shareholders’ funds last year (Return on Equity greater than 20%) as it is loss-making.
  • It is difficult to establish if MyBucks has efficiently used its assets last year compared to the Europe Consumer Finance industry average (Return on Assets) as it is loss-making.
  • It is difficult to establish if MyBucks 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 MyBucks'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 Consumer Finance 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.
MyBucks 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.

MBC Health

 How is MyBucks's financial health and their level of debt?

A company's financial position is much like your own financial position, it includes everything you own (assets) and owe (liabilities).

The boxes below represent the relative size of what makes up MyBucks's finances.

The net worth of a company is the difference between its assets and liabilities.
Net Worth
  • MyBucks is able to meet its short term (1 year) commitments with its holdings of cash and other short term assets.
  • MyBucks's cash and other short term assets cover its long term commitments.
Balance sheet
This treemap shows a more detailed breakdown of MyBucks'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.
  • Low level of unsold assets.
  • Debt is covered by short term assets, assets are 1.1x debt.
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 MyBucks Company Filings, last reported 1 year ago.

DB:MBC Past Debt and Equity Data
Date (Data in EUR Millions) Total Equity Total Debt Cash & Short Term Investments
2018-12-31 16.63 148.06 18.06
2018-09-30 16.63 148.06 18.06
2018-06-30 23.97 119.95 13.04
2018-03-31 23.97 119.95 13.04
2017-12-31 16.71 116.56 13.16
2017-09-30 16.71 116.56 13.16
2017-06-30 20.23 111.23 15.05
2016-12-31 35.28 86.71 21.70
2016-09-30 35.28 86.71 21.70
2016-06-30 17.10 59.18 18.90
2016-03-31 19.49 59.18 18.91
2015-12-31 9.88 55.07 9.03
2015-09-30 9.88 55.07 9.03
2015-06-30 12.48 48.94 7.97
2014-06-30 8.05 13.26 2.61
2013-06-30 6.43 0.36 1.01
  • MyBucks's level of debt (890.5%) compared to net worth is high (greater than 40%).
  • The level of debt compared to net worth has increased over the past 5 years (95.2% vs 890.5% today).
  • Operating cash flow is negative therefore debt is not well covered.
  • Unable to confirm if the interest payments on MyBucks's debt are well covered by earnings due to lack of past financial data.
X
Financial health checks
We assess MyBucks'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. MyBucks has a total score of 2/6, 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.

MBC Dividends

 What is MyBucks'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 MyBucks dividends.
If you bought €2,000 of MyBucks shares you are expected to receive €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 MyBucks's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.
  • Unable to evaluate MyBucks'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
DB:MBC 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
Europe Consumer Finance Industry Average Dividend Yield Market Cap Weighted Average of 21 Stocks 6.8%
Germany Market Average Dividend Yield Market Cap Weighted Average of 323 Stocks 3.9%
Germany Minimum Threshold Dividend Yield 10th Percentile 1%
Germany Bottom 25% Dividend Yield 25th Percentile 1.7%
Germany Top 25% Dividend Yield 75th Percentile 5%

Industry and Market average data is calculated daily.

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

DB:MBC Future Dividends Estimate Data
Date (Data in €) Dividend per Share (annual) Avg. No. Analysts

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

  • Unable to perform a dividend volatility check as MyBucks has not reported any payouts.
  • Unable to verify if MyBucks's dividend has been increasing as the company has not reported any payouts.
Current Payout to shareholders
What portion of MyBucks's earnings are paid to the shareholders as a dividend.
  • Unable to calculate sustainability of dividends as MyBucks 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 MyBucks's dividend by checking for:
  1. Firstly is the company paying a notable dividend (greater than 1%) - 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 MyBucks afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
  7. MyBucks 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.

MBC Management

 What is the CEO of MyBucks'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
Tim Nuy
COMPENSATION €16,800
TENURE AS CEO 2 years
CEO Bio

Mr. Timothy Nuy, also known as Tim, serves as Chief Executive Officer of MyBucks S.A. since March 8, 2018 and its Executive Director since January 12, 2016. Mr. Nuy has thee years experience in the finance industry in Europe. He served as Investment Manager at Altira ADC Management GmbH. He served as Deputy Chief Executive Officer of MyBucks S.A. until March 8, 2018. Prior to joining ADC, he worked as a restructuring consultant for KPMG in Hamburg. He was an Investment Director at ADC African Development Corporation AG (“ADC”) in Frankfurt am Main from July 2011 to November 2014. He was involved in several complex transactions notably with the controlling investment into ABC Holdings Limited, the disposal of RSwitch (Rwanda) and the takeover by Atlas Mara. He has completed all three levels of the CFA examination. Mr. Nuy has a Bachelor of Science from Maastricht University in International Business Economics.

CEO Compensation
  • Insufficient data for Tim to compare compensation growth.
  • Tim's remuneration is lower than average for companies of similar size in Germany.
Management Team Tenure

Average tenure of the MyBucks management team in years:

0.8
Average Tenure
  • The average tenure for the MyBucks management team is less than 2 years, this suggests a new team.
Management Team

Tim Nuy

TITLE
CEO & Executive Director
COMPENSATION
€17K
TENURE
2 yrs

Riaan Paul

TITLE
CFO & Executive Director
TENURE
1 yrs

Tonderai Mutesva

TITLE
Head of Corporate Finance

Gustaf Wessels

TITLE
Chief Information Officer
TENURE
0.7 yrs

Nic Louw

TITLE
Head of Legal & Compliance

Claire Morton

TITLE
Head of Human Resources

Richard Wath

TITLE
Chief Data Officer

Rainer Küsel

TITLE
Head of Internal Audit

Mark Young

TITLE
Chief Digital Officer

Gunther Marais

TITLE
Chief Risk Officer
TENURE
0.7 yrs
Board of Directors Tenure

Average tenure of the MyBucks board of directors in years:

1.1
Average Tenure
  • The average tenure for the MyBucks board of directors is less than 3 years, this suggests a new board.
Board of Directors

Dirk Harbecke

TITLE
Independent Non-Executive Chairman
AGE
47
TENURE
0.2 yrs

Tim Nuy

TITLE
CEO & Executive Director
COMPENSATION
€17K
TENURE
4.2 yrs

Riaan Paul

TITLE
CFO & Executive Director
TENURE
1 yrs

Markus Schachner

TITLE
Non-Executive Director
TENURE
1.8 yrs

Fred Bidet

TITLE
Non-Executive Director
TENURE
1.3 yrs

Loc Nguyen

TITLE
Non-Executive Director
TENURE
0.2 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 (€) Value (€)
X
Management checks
We assess MyBucks'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. MyBucks 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.

MBC News

Simply Wall St News

Has MyBucks SA. (FRA:MBC) Improved Earnings Growth In Recent Times?

Today I will examine MyBucks SA.'s (DB:MBC) latest earnings update (31 December 2017) and compare these figures against its performance over the past couple of years, in addition to how the rest of MBC's industry performed. … I prefer to use data from the most recent 12 months, which annualizes the most recent half-year data, or in some cases, the latest annual report is already the most recent financial year data. … For MyBucks, its latest earnings (trailing twelve month) is -€9.68M, which, against the previous year's figure, has become less negative.

Simply Wall St -

Who Owns Most Of MyBucks SA. (FRA:MBC)?

View our latest analysis for MyBucks DB:MBC Ownership_summary Apr 3rd 18 Institutional Ownership Due to the big order sizes of institutional investors, a company's shares can experience large, one-sided momentum, driven by high volume of shares removed from, or injected into, the market. … General Public Ownership The general public holds a substantial 98.75% stake in MBC, making it a highly popular stock among retail investors. … This level of ownership gives retail investors the power to sway key policy decisions such as board composition, executive compensation, and potential acquisitions.

Simply Wall St -

When Will MyBucks SA. (FRA:MBC) Turn A Profit?

MyBucks SA.'s (DB:MBC): MyBucks S.A., a financial technology company, provides various financial products and services to the low and middle-income customers. … Many investors are wondering the rate at which MBC will turn a profit, with the big question being “when will the company breakeven?” I’ve put together a brief outline of industry analyst expectations for MBC, its year of breakeven and its implied growth rate. … DB:MBC Past Future Earnings Mar 16th 18 I’m not going to go through company-specific developments for MBC given that this is a high-level summary, but, bear in mind that typically a high growth rate is not out of the ordinary, particularly when a company is in a period of investment.

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MBC Company Info

Description

MyBucks S.A., a digital banking company, provides various financial products and services in Africa, Europe, and Australia. The company operates through Banking, Lending, and Management segments. It offers personal, executive, term, payroll term, vehicle log book, home, home improvement, SMME, and educational loans; and asset finance, credit wallet, budgeting tool, payment/wallet, crypto wallet, salary and airtime advance, and mortgage products under the GetBucks and Fair Go finance brands. The company also provides medical, legal, funeral, and credit cover insurance products under the GetSure brand. In addition, it offers transactional cards, savings accounts, and short term and fixed deposits, as well as mobile transactions and complete financial solutions. The company operates 116 branches. MyBucks S.A. was founded in 2011 and is based in Luxembourg City, Luxembourg.

Details
Name: MyBucks SA
MBC
Exchange: DB
Founded: 2011
€6,561,255
12,715,612
Website: http://corporate.mybucks.com
Address: MyBucks SA
9, Rue du Laboratoire,
Luxembourg City,
1911,
Luxembourg
Listings
Exchange Symbol Ticker Symbol Security Exchange Country Currency Listed on
XTRA MBC Ordinary Shares XETRA Trading Platform DE EUR 23. Jun 2016
DB MBC Ordinary Shares Deutsche Boerse AG DE EUR 23. Jun 2016
Number of employees
Current staff
Staff numbers
1,188
MyBucks employees.
Industry
Consumer Finance
Diversified Financials
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2020/03/31 00:11
End of day share price update: 2020/03/30 00:00
Last estimates confirmation: 2018/01/31
Last earnings filing: 2019/03/05
Last earnings reported: 2018/12/31
Last annual earnings reported: 2018/06/30


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.