Genertec Universal Medical Group Company Limited (2666.HK)

Industry: Financial - Credit Services Model: Peers Multiples Valuation

Valuation Snapshot

Ticker	Rank	Name	Rev TTM (M)	Trailing P/E	Forward P/E	Trailing EV/EBITDA	Forward EV/EBITDA	Trailing EV/EBIT	Forward EV/EBIT
SHRIRAMFIN.BO	21	Shriram Finance Li	4,927	11.75	8.63	18.15	13.15	15.43	13.77
1606.HK	22	China Development	4,781	2.21	1.73	14.36	13.28	11.69	9.12
CGABL	23	The Carlyle Group	4,715	8.37	8.37	4.37	4.37	-	-
JSM	24	Navient Corporatio	4,714	-	-	1.86	1.71	1.94	1.04
SOFI	25	SoFi Technologies,	4,442	48.33	48.33	32.74	32.74	51.34	76.18
CHOLAHLDNG.BO	26	Cholamandalam Fina	4,205	15.89	12.85	28.58	23.11	22.33	27.91
WU	27	The Western Union	4,101	3.42	3.35	4.63	4.90	5.30	6.00
2666.HK	28	Genertec Universal	3,935	2.39	1.72	5.48	2.54	1.45	0.86
FCFS	29	FirstCash Holdings	3,486	23.00	19.27	10.67	8.23	16.03	15.24
8253.T	30	Credit Saison Co.,	3,408	8.75	7.20	22.71	18.93	25.66	11.10
CHOLAFIN.BO	31	Cholamandalam Inve	3,203	29.18	22.61	42.16	31.96	31.76	32.96
SLM	32	SLM Corporation	3,065	9.20	9.10	10.97	10.86	12.15	11.06
ENVA	33	Enova Internationa	3,042	9.80	7.85	16.42	14.77	8.84	8.35
IRFC.BO	34	Indian Railway Fin	2,952	23.61	20.59	36.96	24.46	75.79	27.69
MUTHOOTFIN.BO	35	Muthoot Finance Li	2,726	16.92	14.58	30.00	27.08	18.35	20.12
0373.HK	36	Allied Group Limit	2,629	5.98	7.58	0.17	0.13	0.04	0.09

Line Item	Trailing P/E	Forward P/E	Trailing EV/EBITDA	Forward EV/EBITDA	Trailing EV/EBIT	Forward EV/EBIT
Winsorized Median Multiple	9.50	8.50	14.36	13.15	13.79	11.08
Full Range Median Multiple	10.77	8.87	16.42	13.28	15.73	12.43
Industry Multiple	15.46	13.72	18.32	15.31	21.19	18.62
Market Implied Multiple	2.96	2.13	5.83	2.70	1.55	0.92
Company (2666.HK) Multiple	2.39	1.72	5.48	2.54	1.45	0.86
(*) Net Income / EBITDA / Revenue	616	855	988	2,132	3,728	6,273
Winsorized Enterprise Value	N/A	N/A	14,197	28,050	51,410	69,496
Full Range Median Enterprise Value	N/A	N/A	16,230	28,328	58,632	77,994
(-) Net Debt	3,945	3,945	3,945	3,945	3,945	3,945
Winsorized Equity Value	5,848	7,268	10,252	24,105	47,465	65,551
Full Range Median Equity Value	6,632	7,577	12,285	24,383	54,687	74,048
(/) Shares Outstanding	288	288	288	288	288	288
Winsorized Fair Value	$20.31	$25.25	$35.61	$83.73	$164.87	$227.69
Full Range Median Fair Value	$23.04	$26.32	$42.67	$84.69	$189.95	$257.20
Current Price	$6.32	$6.32	$6.32	$6.32	$6.32	$6.32
Upside / Downside	221.38%	299.45%	463.44%	1,224.78%	2,508.65%	3,502.63%
Safety Margin	30.0%	30.0%	30.0%	30.0%	30.0%	30.0%
Buy Price	$14.22	$17.67	$24.93	$58.61	$115.41	$159.38
Buy / Don't Buy	BUY	BUY	BUY	BUY	BUY	BUY