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    Financial - Credit Services
Geneva Finance Limited

Geneva Finance Limited

GFL.NZ
Geneva Finance LimitedNZ flagNew Zealand Exchange
0.30
NZD
+0.02
- -
21.88MMarket Cap
Geneva Finance Limited
GFL.NZ
(New Zealand Exchange)

Recent

price

0.30

P/E

ratio

- -

div

yld

- -

ROIC.AI

2009
2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
FRC
1.95
1.25
0.35
0.28
0.19
0.11
0.1
0.1
0.17
0.27
0.37
0.39
0.36
0.47
- -
Revenue per Share
-0.57
-0.38
-0.31
-0.05
- -
-0.09
0.03
0.05
0.07
0.09
0.06
0.05
0.08
0.08
- -
Basic EPS, GAAP
-0.02
-0.04
-0.01
- -
- -
- -
- -
- -
-0.01
- -
-0.02
-0.01
- -
- -
- -
Free Cash Flow per Basic Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
0.04
0.04
0.03
0.04
- -
Dividend per Share
1.56
1.07
0.35
0.33
0.3
0.17
0.24
0.29
0.34
0.4
0.42
0.43
0.48
0.52
- -
Book Value per Share
1.47
1.02
0.36
0.35
0.33
0.18
0.24
0.29
0.35
0.39
0.38
0.4
0.44
0.49
- -
Tangible Book Value per Share
12
13
28
29
37
46
65
69
70
70
71
73
73
73
- -
Basic Weighted Avg Shares
24
16
10
8
7
5
7
7
12
19
26
29
26
34
44
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
1
1
1
1
- -
- -
- -
- -
- -
- -
- -
1
1
1
1
Depreciation Expense
-7
-5
-9
-2
- -
-4
2
4
5
6
4
4
6
6
3
Net Income, GAAP
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
19.14
- -
2.16
27.85
26.88
Effective Tax Rate (%)
-29.53
-30.42
-89.78
-19.02
1.33
-84.02
32.07
49.13
42.91
31.62
15.45
12.94
23.78
15.98
6.91
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
85
60
49
32
34
21
17
45
54
55
73
75
82
84
79
LT Debt
19
14
11
11
12
8
16
20
25
29
30
31
34
38
39
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
-30.24
-73.09
-16.3
0.88
-45
18.83
19.79
23.31
23.49
13.99
12.16
18.75
15.17
8.06
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
No data availableFinancial data will appear here once available

Working Capital

FRC

•

in mil. unless spec.
No data availableFinancial data will appear here once available

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
15.52%
5.93%
2.74%
Free Cash Flow
58.1%
37.58%
20.26%
Net Income, GAAP
-477.4%
-6.19%
-44.57%
Sales/Revenue/Turnover
23.96%
19.24%
28.17%
Total Cash Common Dividend
- -
- -
7.02%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2021
- -
- -
- -
- -
26
2022
- -
- -
- -
- -
34
2023
- -
- -
- -
- -
44

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2021
- -
- -
- -
- -
0.08
2022
- -
- -
- -
- -
0.08
2023
- -
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2021
- -
- -
- -
- -
0.03
2022
- -
- -
- -
- -
0.04
2023
- -
- -
- -
- -
- -
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Business
Geneva Finance Limited provides consumer finance, insurance, debt collection, and invoice factoring services primarily in New Zealand and Tonga. The company operates through segments including New Business Consumer Finance, Insurance, Old Business Consumer Finance, Invoice Factoring, and Overseas; its core offerings encompass hire purchase finance and personal loans for motor vehicle purchases, car loans, personal loans, debt consolidation, lifestyle protection insurance, motor vehicle insurance, guaranteed asset protection insurance, third-party insurance, mechanical breakdown insurance, death and disablement coverage, redundancy risk coverages, debtor finance for companies, trade receivables collection and management, and wholesale funding arrangements. Geneva Finance Limited, founded in 2002 and headquartered in Auckland, New Zealand, lists its shares on the NZX Main Board under the ticker GFL.NZ and maintains a securitization facility with Westpac New Zealand Limited. In recent developments, the company increased its Westpac securitisation facility to $80 million, relocated its head office to new premises at 3 Te Kehu Way, Sylvia Park, Auckland in July 2023, and undertook a strategic review leading to goodwill write-offs and exits from its debt litigation and invoice financing businesses; Quest Insurance Group, a key subsidiary, achieved normalized pre-tax profit growth to $8.4 million with written premiums rising 18% to $46.3 million for the year ended March 2024, while the group's consolidated after-tax profit stood at $1.8 million.