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
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
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
is considered below, and whether this is a fair price.
Price based on past earnings
MyBucks's earnings available for a low price, and how does
this compare to other companies in the same industry?
MyBucks has negative assets, we can't compare the value of its assets to the Europe Consumer Finance industry average.
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.
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.
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
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
Expected Consumer Finance industry annual growth in earnings.
Earnings growth vs Low Risk Savings
expected to grow at an
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.
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.
MyBucks's performance over the past 5 years by checking for:
Has earnings increased in past 5 years? (1 check)
Has the earnings growth in the last year exceeded that of the
industry? (1 check)
Is the recent earnings growth over the last year higher than the average annual growth over the
past 5 years? (1 check)
Is the Return on Equity (ROE) higher than 20%? (1 check)
Is the Return on Assets (ROA) above industry average? (1 check)
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.
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.
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.
TENURE AS CEO
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.
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
management team in years:
The average tenure for the MyBucks management team is less than 2 years, this suggests a new team.
CEO & Executive Director
CFO & Executive Director
Head of Corporate Finance
Chief Information Officer
Head of Legal & Compliance
Head of Human Resources
Chief Data Officer
Head of Internal Audit
Chief Digital Officer
Chief Risk Officer
Board of Directors Tenure
Average tenure of the
board of directors in years:
The average tenure for the MyBucks board of directors is less than 3 years, this suggests a new board.
Board of Directors
Independent Non-Executive Chairman
CEO & Executive Director
CFO & Executive Director
Who owns this company?
Recent Insider Trading
No 3 month open market individual insider trading information.
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.
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.
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.
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.
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