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GFH.KW$187.00+0.54%
Fair $187.00+0.0%

GFH.KW

GFH Bank B.S.C.

Financial Services / Banks - RegionalKuwait

$187.00

+1.00 (+0.54%)

Fairly Valued+0.0%Fair Value $187.00Fund rank 27/100 · Data gapFallback financials|
SA 45/C
F-Score: 6/9
High Debt

Book/ROE base 3Y

n/d

n/d CAGR · P/B n/d

Book/ROE base 5Y

n/d

n/d base · n/d expected

Precio de entrada

n/d

MOS 100% · confianza 20%

Book/ROE escenarios

weak_data · book/share n/d · quality 45.0/100

Data gap 27/100
Bear 5Yn/dn/d
Base 5Yn/dn/d
Bull 5Yn/dn/d
Return 0/100Downside 20/100Model quality 45/100Data QA 20/100

Ranking barato/determinista: CAGR esperado 5Y + downside bear + calidad del modelo + balance + capital allocation + data gate. No entra en buy-candidate si la data es débil o el CAGR 5Y no compensa.

Quality + valuation scorecard

SA Score

45/100

C

Piotroski

6/9

balance/quality

Valuation

50/100

+0.0% upside

5Y CAGR

+0.0%

50/100

Data QA

16/100

SEC 0%

Latest source: unknownPeriods: 4Warnings: 1unknown: 4
No SEC-backed annual rows; valuation uses fallback financial data. Insufficient audited annual history (<3 SEC-backed years); financial Book/ROE targets are disabled until manually verified. Debt-to-Equity ratio is 2.47, above the 2.0 threshold
Thesis & Journal · GFH.KWLocal privado en este navegador · GFH Bank B.S.C.
Plantilla tipo buy-side: tesis, bull/base/bear, catalizadores, riesgos, kill criteria y fecha de revisión. Esto no gasta GPT-5.5; luego lo usamos como contexto del memo.

Sin guardar todavía.

Market Cap

$646M

P/E

0.6x

↓

EV/EBITDA

N/A

•

ROE

13.7%

↑

Gross Margin

N/A

•

Debt/Equity

2.47

↑
52-Week Range$187
$88$202

TradingView lightweight chart

GFH.KW price, volumen y niveles de valoración

Último $187.00Periodo -82.6%
Fair value: $187.00

Price & Ratios

Absolute Values (Left Axis)

Ratios / Percentages (Right Axis)

Financial statement dashboard

Crecimiento, márgenes y provenance

2022–2025 · 3 años de histórico normalizado

Revenue CAGR

+25.9%

FCF CAGR

-12.7%

FCF margin

102.8%

FCF / Net income

3.20x

Latest source

Provider fallback

Margin decomposition

Último año: revenue $436.1M · net income $140.1M · FCF $448.3M

2022-FY → 2025-FY

Gross margin

—— pts

Operating margin

—— pts

Net margin

32.1%-9.2% pts

FCF margin

102.8%-205.4% pts
MetricTTM
2025
2024
2023
2022
Income Statement
Revenue$436.1M$436.1M$389.9M$259.3M$218.4M
Net Income$140.1M$140.1M$118.5M$102.9M$90.3M
EPS0.040.040.030.030.03
Net Margin32.1%32.1%30.4%39.7%41.3%
Balance Sheet
Debt/Equity2.472.472.192.151.95
Cash Flow
Free Cash Flow$448.3M$448.3M$-437.5M$961.5M$673.1M
Returns
ROE13.7%13.7%12.1%10.4%9.1%
Valuation
P/E0.580.583015.292671.192890.57
P/B654.72654.72363.86278.17263.37
Growth & Yield
Revenue Growth11.8%11.8%50.4%18.7%—
EPS Growth19.9%19.9%10.8%11.3%—
Dividend Yield4.4%4.4%———

Revenue, Net Income & Free Cash Flow ($B)

Margins (%)

Returns (%)

Leverage & Liquidity

Reverse DCF · market-implied EPS growthterminal P/E 15.0x · COE 10.0%

3Y implied EPS CAGR

650.8%

muy exigente

EPS terminal req.

$16.59

Spread vs growth

-631.0%

5Y implied EPS CAGR

248.2%

muy exigente

EPS terminal req.

$20.08

Spread vs growth

-228.4%

10Y implied EPS CAGR

95.7%

muy exigente

EPS terminal req.

$32.34

Spread vs growth

-75.8%

Qué te dice: cuánto EPS CAGR está descontando el precio si sales al múltiplo terminal indicado. Si el growth observado queda por debajo, el mercado está pidiendo una ejecución muy fina.

Return attribution · 1Y approxreconcilia total +100.1%

Total return

+100.1%

Start / end P/E

2923.5x → 4770.4x

EPS bridge

0.03 → 0.04

Residual

+12.6%

EPS growth+19.9%
Multiple rerating+63.2%
Dividend+4.4%
Residual / FX / buybacks / cross-term+12.6%

Simple additive decomposition: total return = EPS growth contribution + P/E multiple contribution + dividend contribution + explicit residual. The residual captures cross-terms, buybacks/share-count effects, FX, special dividends, data noise and methodology mismatch so the bridge always reconciles.