XLONHSBK
Market cap86mUSD
Jun 08, Last price
12.68USD
Name
Halyk Bank AO
Chart & Performance
Profile
JSC Halyk Bank, together with its subsidiaries, provides corporate and retail banking services primarily in the Republic of Kazakhstan, Russia, Kyrgyzstan, Tajikistan, Georgia, and Uzbekistan. It operates through four segments: Corporate Banking, SME Banking, Retail Banking, and Investment Banking. The company's products and services include current and correspondent accounts; various deposit products; investment savings products; credit and debit cards; consumer loans and mortgages; custody, cash, and foreign currency related services; overdrafts; other credit facilities; and letters of credit, trade finance products, foreign exchange, interbank operations, cash services, and documentary services. It also trades in securities and foreign currencies; executes transfers; and offers cash and payment card processing, and other banking services. In addition, the company offers leasing, telecommunications, broker and dealer, cash collection, and asset management services; and property and casualty, liability, personal, and life insurance products, as well as online banking services. The company serves individuals, corporate clients and financial organizations, and SME clients and individual entrepreneurs. As of December 31, 2021, it operated through its head office in Almaty and its 24 regional branches, 120 sub-regional offices, and 445 cash settlement units. The company was founded in 1923 and is headquartered in Almaty, the Republic of Kazakhstan. JSC Halyk Bank is a subsidiary of JSC HG Almex.
Valuation
Title KZT in thousands, except ratios and share amounts | FY | FY | FY | FY | FY | FY | FY | FY | FY | FY |
---|---|---|---|---|---|---|---|---|---|---|
2023‑12 | 2022‑12 | 2021‑12 | 2020‑12 | 2019‑12 | 2018‑12 | 2017‑12 | 2016‑12 | 2015‑12 | 2014‑12 | |
Income | ||||||||||
Revenues | 1,332,277,000 20.10% | 1,109,297,000 40.16% | 791,427,000 24.29% | |||||||
Cost of revenue | 1,663,000 | 6,569,000 | 11,147,000 | |||||||
Unusual Expense (Income) | ||||||||||
NOPBT | 1,330,614,000 | 1,102,728,000 | 780,280,000 | |||||||
NOPBT Margin | 99.88% | 99.41% | 98.59% | |||||||
Operating Taxes | 121,338,000 | 105,097,000 | 62,237,000 | |||||||
Tax Rate | 9.12% | 9.53% | 7.98% | |||||||
NOPAT | 1,209,276,000 | 997,631,000 | 718,043,000 | |||||||
Net income | 693,435,000 25.23% | 553,751,000 19.76% | 462,377,000 31.11% | |||||||
Dividends | (276,524,000) | (138,341,000) | (210,783,000) | |||||||
Dividend yield | ||||||||||
Proceeds from repurchase of equity | 2,722,000 | (2,314,000) | (144,969,000) | |||||||
BB yield | ||||||||||
Debt | ||||||||||
Debt current | ||||||||||
Long-term debt | 1,266,986,000 | 1,552,075,000 | ||||||||
Deferred revenue | ||||||||||
Other long-term liabilities | (1,266,986,000) | (1,552,075,000) | ||||||||
Net debt | (5,432,828,000) | (4,509,884,000) | (3,893,765,000) | |||||||
Cash flow | ||||||||||
Cash from operating activities | (486,063,000) | 765,103,000 | 943,957,000 | |||||||
CAPEX | (44,845,000) | (35,336,000) | (28,038,000) | |||||||
Cash from investing activities | (1,013,000) | (77,232,000) | (633,894,000) | |||||||
Cash from financing activities | (91,084,000) | (193,446,000) | (663,578,000) | |||||||
FCF | 1,189,926,000 | 1,024,142,000 | 733,019,000 | |||||||
Balance | ||||||||||
Cash | 1,636,749,000 | 2,306,344,000 | 1,967,635,000 | |||||||
Long term investments | 3,796,079,000 | 3,470,526,000 | 3,478,205,000 | |||||||
Excess cash | 5,366,214,150 | 5,721,405,150 | 5,406,268,650 | |||||||
Stockholders' equity | 2,726,801,000 | 2,163,803,000 | 1,823,859,000 | |||||||
Invested Capital | 12,767,567,000 | 12,135,211,000 | 10,245,537,000 | |||||||
ROIC | 9.71% | 8.92% | 7.55% | |||||||
ROCE | 8.59% | 7.71% | 6.46% | |||||||
EV | ||||||||||
Common stock shares outstanding | 272,368 | 272,275 | 292,108 | |||||||
Price | ||||||||||
Market cap | ||||||||||
EV | ||||||||||
EBITDA | 1,330,614,000 | 1,102,728,000 | 780,280,000 | |||||||
EV/EBITDA | ||||||||||
Interest | 859,285,000 | 577,445,000 | 366,792,000 | |||||||
Interest/NOPBT | 64.58% | 52.37% | 47.01% |