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BSP Financial Group Ltd

Financial Services AU BFL

6.64AUD
-0.185(2.71%)

Last update at 2024-12-19T03:20:00Z

Day Range

6.646.80
LowHigh

52 Week Range

4.967.03
LowHigh

Fundamentals

  • Previous Close 6.83
  • Market Cap3102.34M
  • Volume1915
  • P/E Ratio8.30
  • Dividend Yield8.13%
  • EBITDA-
  • Revenue TTM2786.72M
  • Revenue Per Share TTM5.96
  • Gross Profit TTM 2604.37M
  • Diluted EPS TTM0.80

Analyst Recommendations

Financials

Income Statement

Balancesheet

Change in Cash

Total Operating Cash

Dividends Paid

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
Income before tax 1553.39M 1425.11M 1525.86M 1141.84M 1252.92M
Minority interest - - - - -
Net income 890.21M 1081.07M 1075.22M 806.22M 890.36M
Selling general administrative 594.89M 571.83M 547.73M 229.44M 224.30M
Selling and marketing expenses - - - 541.87M 562.49M
Gross profit 2795.90M 2571.81M 2341.22M 1950.16M 2072.17M
Reconciled depreciation 127.12M 116.70M 109.06M - -
Ebit 1553.39M 1425.11M 1525.86M 1141.84M 1252.92M
Ebitda 1680.51M 1541.81M 1634.91M -0.64000M -1.97500M
Depreciation and amortization 127.12M 116.70M 109.06M -1142.47500M -1254.89400M
Non operating income net other - - - - -
Operating income 1553.39M 1425.11M 1525.86M 1142.47M 1254.89M
Other operating expenses 621.37M 409.03M 578.55M 808.33M 819.25M
Interest expense 118.10M 89.94M 106.67M 0.00000M 0.00000M
Tax provision 663.18M 344.04M 450.64M 335.62M 362.56M
Interest income 1962.93M 1835.00M 1707.61M - -
Net interest income 1844.83M 1745.06M 1600.93M 1447.01M 1391.78M
Extraordinary items - - - - -
Non recurring - - - - -
Other items - - - - -
Income tax expense 663.18M 344.04M 450.64M 335.62M 362.56M
Total revenue 2795.90M 2571.81M 2341.22M 1950.16M 2072.17M
Total operating expenses 621.37M 409.03M 578.55M 808.33M 819.25M
Cost of revenue - - - - -
Total other income expense net 0.00000M 0.00000M 0.00000M -0.64000M -1.97500M
Discontinued operations - - - - -
Net income from continuing ops 890.22M 1081.07M 1075.22M - -
Net income applicable to common shares - 1081.07M 1075.22M 806.22M 890.36M
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 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
Investments -1363.82700M -379.46000M -2573.10900M -1502.66300M 429.96M
Change to liabilities - 0.00000M 0.00000M 0.00000M 0.00000M
Total cashflows from investing activities - -379.46000M -2795.39100M -1611.35100M 302.15M
Net borrowings - -14.39500M -3.39600M 128.80M -103.00800M
Total cash from financing activities -1087.82500M -803.32400M -679.91600M 1874.29M 349.29M
Change to operating activities - -1580.30600M -218.85200M -62.95600M -1019.82400M
Net income 890.22M 1081.07M 1075.22M 806.22M 890.36M
Change in cash 4527.10M 1349.42M -89.30300M 1203.28M 699.17M
Begin period cash flow 195.00M 3889.33M 3958.39M 2755.10M 2055.93M
End period cash flow 4722.10M 5238.75M 3869.08M 3958.39M 2755.10M
Total cash from operating activities 1751.41M 2658.20M 973.26M 842.35M 37.12M
Issuance of capital stock - - - - -
Depreciation 80.73M 77.71M 78.82M 75.20M 80.96M
Other cashflows from investing activities - -206.57900M -2566.85500M -1500.87600M 437.04M
Dividends paid 831.81M 788.91M 676.46M 569.19M 653.94M
Change to inventory - - - - -
Change to account receivables - - - - -
Sale purchase of stock - -0.02300M -0.05600M -0.12100M -0.05400M
Other cashflows from financing activities 0.00000M -379.46000M 0.00000M 2314.80M 1106.29M
Change to netincome - -209.34900M 7.83M -1.71000M 57.45M
Capital expenditures 157.35M 172.88M 228.54M 63.95M 82.78M
Change receivables - - - - -
Cash flows other operating - - - - -
Exchange rate changes - - - - -
Cash and cash equivalents changes - - - - -
Change in working capital -1567.46100M 2454.40M 3146.36M -62.95600M -1019.82400M
Stock based compensation - - - - -
Other non cash items 2347.92M 1499.42M 2316.42M 23.89M 85.62M
Free cash flow 1594.06M -172.88100M -228.53600M 778.41M -45.66400M

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		 -0.185 2.71% 6.64 8.30 - 1.14 1.94 2.85 -
BEN
Bendigo And Adelaide Bank Ltd		 -0.19 1.41% 13.28 15.16 13.44 4.01 1.07 8.77 -
BENPH
Bendigo and Adelaide Bank Ltd Cap Note 3-bbsw+3.80%		 0.04 0.04% 103.98 108.91 - - - - -
BOQ
Bank Of Queensland Ltd.		 -0.05 0.74% 6.72 16.39 9.89 2.83 0.74 14.18 -
BOQPF
Bank of Queensland Ltd Preferred		 -0.02 0.02% 104.76 169.79 - - - - -

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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