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BSP Financial Group Ltd

Financial Services AU BFL

5.97AUD
-0.14(2.29%)

Last update at 2024-05-02T05:16:00Z

Day Range

5.906.00
LowHigh

52 Week Range

4.397.19
LowHigh

Financials

Income Statement

Balancesheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Income before tax 1425.11M 1525.86M 1141.84M 1252.92M 1196.17M
Minority interest - - - - -
Net income 1081.07M 1075.22M 806.22M 890.36M 844.07M
Selling general administrative 571.83M 547.73M - - -
Selling and marketing expenses - - - - -
Gross profit 2571.81M 2341.22M - - -
Reconciled depreciation 116.70M 109.06M - - -
Ebit 1425.11M 1525.86M - - -
Ebitda 1541.81M 1634.91M - - -
Depreciation and amortization 116.70M 109.06M - - -
Non operating income net other - - - - -
Operating income 1425.11M 1525.86M - - -
Other operating expenses 409.03M 578.55M 36.37M 30.49M 60.62M
Interest expense 89.94M 106.67M 0.00000M 0.00000M 0.00000M
Tax provision 344.04M 450.64M 335.62M 362.56M 352.10M
Interest income 1835.00M 1707.61M - - -
Net interest income 1745.06M 1600.93M 1447.01M 1391.78M 1537.34M
Extraordinary items - - - - -
Non recurring - - - - -
Other items - - - - -
Income tax expense 344.04M 450.64M 335.62M 362.56M 352.10M
Total revenue 2571.81M 2341.22M - - -
Total operating expenses 409.03M 578.55M - - -
Cost of revenue - - - - -
Total other income expense net 0.00000M 0.00000M - - -
Discontinued operations - - - - -
Net income from continuing ops 1081.07M 1075.22M - - -
Net income applicable to common shares 1081.07M 1075.22M 806.22M 890.36M 844.07M
Preferred stock and other adjustments - - - - -
Breakdown 2023-12-31 2022-12-31 2021-12-31 2020-12-31 2019-12-31
Type yearly yearly yearly yearly yearly
Date 2023-12-31 2022-12-31 2021-12-31 2020-12-31 2019-12-31
Total assets 36951.29M 33890.10M 30446.27M 27523.44M 24527.12M
Intangible assets 282.24M 294.40M 236.58M 220.85M 150.90M
Earning assets - - - 6345.56M 4752.50M
Other current assets - 2525.01M 1723.49M 1560.08M 1867.67M
Total liab 279.82M 532.06M 510.88M 24090.48M 21413.91M
Total stockholder equity 4242.63M 4012.33M 3794.19M 3432.95M 3113.20M
Deferred long term liab - - - - -
Other current liab -279.81600M -532.06100M -510.87600M 254.55M 399.92M
Common stock 372.11M 372.11M 372.13M 372.19M 372.31M
Capital stock 372.11M 372.11M 372.13M - -
Retained earnings 3415.69M 3319.28M 3025.12M 2674.52M 2438.89M
Other liab - 1808.53M 1742.65M 1600.37M 1470.37M
Good will - - - - 45.31M
Other assets 8910.01M 9686.27M 9615.15M 14269.97M 13814.33M
Cash 7927.57M 8017.47M 5837.74M - -
Cash and equivalents - - - - -
Total current liabilities 279.82M 532.06M 510.88M 22034.84M 19822.90M
Current deferred revenue - - - - -
Net debt -7647.75800M -7485.40600M -5326.86900M - -
Short term debt 279.82M 532.06M 510.88M - -
Short long term debt 279.82M 532.06M 510.88M - -
Short long term debt total 279.82M 532.06M 510.88M 245.61M 276.49M
Other stockholder equity -0.00000M 0.00000M 0.00000M 386.25M 302.01M
Property plant equipment - 958.04M 958.88M 931.91M 928.08M
Total current assets 19227.73M 17534.27M 15059.01M 6322.20M 5579.21M
Long term investments 7496.56M 5388.47M 4576.66M - -
Net tangible assets - 3717.93M 3557.61M 3212.11M 2917.00M
Short term investments 7496.56M 5388.47M 4576.66M - -
Net receivables 3803.60M 4128.34M 4644.60M 58.56M 48.84M
Long term debt - 246.48M 245.61M 245.61M 116.82M
Inventory - 25.23M 16.36M 11.65M 17.84M
Accounts payable - 27063.53M 24050.88M 21711.55M 19386.14M
Total permanent equity - - - - -
Noncontrolling interest in consolidated entity - - - - -
Temporary equity redeemable noncontrolling interests - - - - -
Accumulated other comprehensive income 454.83M 320.93M 396.93M - -
Additional paid in capital - - - - -
Common stock total equity - - - - -
Preferred stock total equity - - - - -
Retained earnings total equity - - - - -
Treasury stock - - - -0.12100M -0.05400M
Accumulated amortization - - - - -
Non currrent assets other -8813.54600M -6669.56200M -5772.11300M - -
Deferred long term asset charges - - - - -
Non current assets total 8813.55M 6669.56M 5772.11M - -
Capital lease obligations - - - - -
Long term debt total - 246.48M 245.61M 245.61M 276.49M
Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Investments -379.46000M -2573.10900M -1502.66300M 429.96M 695.91M
Change to liabilities 0.00000M 0.00000M 0.00000M 0.00000M 0.00000M
Total cashflows from investing activities -379.46000M -2795.39100M -1611.35100M 302.15M 584.94M
Net borrowings -14.39500M -3.39600M 128.80M -103.00800M -22.59300M
Total cash from financing activities -803.32400M -679.91600M 1874.29M 349.29M -174.04500M
Change to operating activities -1580.30600M -218.85200M -62.95600M -1019.82400M -1353.78400M
Net income 1081.07M 1075.22M 806.22M 890.36M 844.07M
Change in cash 1349.42M -89.30300M 1203.28M 699.17M 61.92M
Begin period cash flow 3889.33M 3958.39M - - -
End period cash flow 5238.75M 3869.08M 3958.39M - -
Total cash from operating activities 2658.20M 973.26M 842.35M 37.12M -350.03200M
Issuance of capital stock - - - - -
Depreciation 77.71M 78.82M 75.20M 80.96M 81.00M
Other cashflows from investing activities -206.57900M -2566.85500M -1500.87600M 437.04M 696.87M
Dividends paid -788.90600M -676.46400M -569.19100M -653.94000M 597.36M
Change to inventory - - - - -
Change to account receivables - - - - -
Sale purchase of stock -0.02300M -0.05600M -0.12100M -0.05400M -0.63700M
Other cashflows from financing activities -379.46000M 0.00000M 2314.80M 1106.29M 446.55M
Change to netincome -209.34900M 7.83M -1.71000M 57.45M 51.28M
Capital expenditures 172.88M 228.54M 63.95M 82.78M 32.77M
Change receivables - - - - -
Cash flows other operating - - - - -
Exchange rate changes - - - - -
Cash and cash equivalents changes - - - - -
Change in working capital 2454.40M 3146.36M 2921.57M 915.04M -119.61600M
Stock based compensation - - - - -
Other non cash items - - - - -
Free cash flow -172.88100M -228.53600M - - -

Fundamentals

  • Previous Close 6.11
  • Market Cap2756.60M
  • Volume15058
  • P/E Ratio7.87
  • Dividend Yield9.31%
  • EBITDA-
  • Revenue TTM2640.18M
  • Revenue Per Share TTM5.65
  • Gross Profit TTM 2604.37M
  • Diluted EPS TTM0.75

Peer Comparison

Sector: Financial Services Industry: Banks - Regional

Company Change (AUD) Price (AUD) Trailing PE (x) Forward PE (x) Price Sales TTM (x) Price to Book Value (x) Enterprise Value to Revenue (x) Enterprise Value to EBITDA (x)
BFL
BSP Financial Group Ltd		 -0.14 2.29% 5.97 7.87 - 1.04 1.62 - -
BENPG
Bendigo and Adelaide Bank Ltd Cnv Pref 3-bbsw+3.75%		 -0.03 0.03% 100.94 105.55 - 3.02 - - -
BEN
Bendigo And Adelaide Bank Ltd		 0.03 0.31% 9.71 11.56 10.54 3.02 0.79 - -
BENPH
Bendigo and Adelaide Bank Ltd Cap Note 3-bbsw+3.80%		 -0.28 0.27% 105.20 110.04 - - - - -
VUK
Virgin Money PLC		 -0.02 0.49% 4.10 12.06 6.24 3.54 0.49 - -

Reports Covered

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Profile

BSP Financial Group Limited provides commercial banking and finance services to individual and corporate customers in Papua New Guinea, the Solomon Islands, Fiji, the Cook Islands, Samoa, Tonga, Vanuatu, Cambodia, and Laos. The company's products and services include transaction, saving, solicitor's trust, foreign currency, and business cheque accounts, as well as term deposits; personal, home, personal asset, student, bridging, tailored business, commercial and residential property investment, construction development, and seasonal finance loans; debit and credit cards; SME business loans; overdraft, asset financing, insurance premium funding, prioritized loan processing, safety deposit box, and electronic and mobile banking services; and online business banking services. It also offers FX payment, foreign currency notes, exchange rates, and tax clearance procedure services; documentary collection, trade refinance, and letters of credit; capital raising; fund management; and life and term life, and medical insurance business services. The company was formerly known as Bank of South Pacific Limited and changed its name to BSP Financial Group Limited in March 2021. BSP Financial Group Limited was founded in 1957 and is based in Port Moresby, Papua New Guinea.

BSP Financial Group Ltd

Allotment 6 & 7, Section 34, Port Moresby, Papua New Guinea, 121

Key Executives

Name Title Year Born
Mr. Robin Gerard Fleming CSM, M.B.A., MBA, MMGT SAFin CEO, MD & Director NA
Mr. Ronesh Dayal Group Chief Financial Officer NA
Mr. Frank van der Poll Group Chief Operating Officer 1965
Ms. Vandhna Narayan Group Gen. Mang. of Compliance NA
Ms. Hari Rabura Gen. Mang. of HR NA
Ms. Mary E. Johns LL.B. Company Sec. NA
Mr. Rohan George Gen. Mang. of Treasury NA
Ms. Nuni Kulu Exec. NA
Mr. Andy Roberts Gen. Mang. of BSP Fin. Ltd NA
Mr. Kili Tambua Gen. Mang. of Offshore Branches NA

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