Finbond Group Limited

Finbond Group Limited

JJSE:FGL
58.00
ZAC
+5.00
(+9.43%)
55.36BMarket Cap
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
2026 Y
TTM
Revenue per Share
0.41
0.61
0.74
1.79
2.97
2.51
2.62
1.85
1.43
1.12
1.42
2.34
2.31
- -
Basic EPS, GAAP
0.06
0.08
0.09
0.17
0.3
0.03
0.11
-0.34
-0.29
-0.33
- -
0.07
0.15
- -
Free Cash Flow per Basic Share
0.69
0.1
-0.29
0.21
-0.12
0.19
0.46
0.23
-0.75
-0.27
-0.25
-0.59
-0.61
- -
Dividend per Share
- -
0.02
0.03
0.08
0.14
0.22
0.09
0.09
0.07
0.02
- -
- -
0.12
- -
Book Value per Share
0.5
0.54
0.61
1.05
0.98
1.46
1.66
1.2
1
1
1.82
1.52
1.03
1.03
Tangible Book Value per Share
0.41
0.35
0.37
-0.06
-0.1
0.37
0.39
0.04
-0.15
0.6
1.11
0.82
0.34
0.34
Basic Weighted Avg Shares
658
640
640
805
749
896
924
866
854
838
737
457
475
474
Sales/Revenue/Turnover
270
389
471
1,440
2,220
2,252
2,418
1,598
1,220
940
1,049
1,070
1,097
- -
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
3
7
13
39
57
64
208
216
183
110
118
132
140
- -
Net Income, GAAP
37
51
57
139
227
27
98
-295
-244
-275
1
32
69
- -
Effective Tax Rate (%)
21.2
30.66
39.68
25.82
24.13
4.18
17.45
- -
- -
- -
104.42
52.74
28.35
- -
Profit Margin (%)
13.69
13.08
12.16
9.64
10.24
1.18
4.04
-18.48
-20.01
-29.25
0.05
2.97
6.32
- -
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
1
17
49
536
846
614
1,518
1,938
2,689
2,474
2,721
3,056
3,240
3,240
Total Equity
330
346
388
1,044
915
1,507
1,700
1,227
1,018
793
832
731
483
483
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
11.61
14.67
14.32
6.96
8
-4.48
-0.72
- -
- -
- -
0.07
0.94
1.86
- -
Return on Common Equity (%)
11.61
15.02
15.57
22.42
27.72
2.47
6.96
-23.88
-26.27
-33.65
0.07
4.07
11.42
- -

Capital Structure

ZAR

•

in mil. unless spec.
Feb'25
Aug'26
Feb'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
480
476
469
Market Capitalization
336
495
554

Working Capital

ZAR

•

in mil. unless spec.
Feb'25
Aug'26
Feb'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
727
678
540
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

ZAR

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
12.61%
-16.04%
-33.88%
Free Cash Flow
-99.08%
-90.82%
7.36%
Net Income, GAAP
560.56%
1,124.43%
118.13%
Sales/Revenue/Turnover
20.45%
-6.1%
2.53%
Total Cash Common Dividend
- -
- -
- -

Semi-annual Revenue

ZAR

•

in mil. unless spec.

Year

H1
H2
FY
2024
- -
- -
1,049
2025
- -
- -
1,070
2026
- -
- -
1,097

Semi-annual Earnings Per Share

ZAR

•

in mil. unless spec.

Year

H1
H2
FY
2024
- -
- -
- -
2025
- -
- -
0.07
2026
- -
- -
0.15

Semi-annual Dividends Per Share

ZAR

•

in mil. unless spec.

Year

H1
H2
FY
2024
- -
- -
- -
2025
- -
- -
- -
2026
- -
- -
0.12

Company Description

CEO
Willem van Aardt
Full Time Employees
2,491
Sector
Finance
Industry
Finance/Rental/Leasing
Address
Rigel Office Park Pretoria GT South Africa 0181
IPO Date
Jun 15, 2007
Business
Finbond Group Limited is a financial services institution specializing in consumer lending, deposit and debt finance products, insurance, transactional banking, and property investment. The company offers a range of core products including short-term consumer loans and salary advances; loan insurance and funeral insurance; transactional banking products such as personal banking, overdraft facilities, business banking accounts, business credit services, savings and investment products; and secured lending solutions. It operates primarily in South Africa, North America, and Latin America through an extensive branch network, supporting diverse customer segments ranging from individual consumers to small enterprises. Founded in 2001, Finbond Group is headquartered in Pretoria, South Africa. Recent major corporate developments include acquisitions and strategic investments aimed at expanding its financial services footprint. In 2024 and 2025, Finbond acquired additional stakes in companies such as Americash Holding LLC and CreditBox.com LLC, and increased its shareholding in Benefits Bouquet (Pty) Ltd. The group also entered into an agreement to acquire a 49% stake in Trustco Finance Ltd., expanding its market presence in the finance sector. These strategic moves underscore Finbond’s focus on growth via acquisitions and partnerships within its key markets, enhancing its product offerings and operational capabilities. Finbond operates through multiple business segments: deposit and debt finance products, lending, property investment, and transactional banking. The company maintains a sizeable branch network with over 350 branches in South Africa and more than 200 branches across North and Latin America. Its business model targets a wide range of clients including individual consumers seeking microfinance and loan products, as well as business customers requiring transactional banking solutions. Overall, Finbond Group Limited combines traditional consumer and business financial services with strategic investments and acquisitions to maintain and grow its presence in South Africa, North America, and Latin America. It continues to evolve by expanding product lines and operational reach while prioritizing ethical standards and transparency in its dealings. This description incorporates the company’s core products, geographic reach, recent acquisitions, and operational structure as of late 2025.