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Lawfinance Ltd
Buy, Hold or Sell?

Let's analyze Lawfinance together

I guess you are interested in Lawfinance Ltd. Buy, hold or sell? I don't know! However, I do recommend doing research before doing anything. I will help you with that.

I'm going to help you getting a better view of Lawfinance Ltd. At the end you don't have to ask anyone for trading advice. You can make your own decision, with more confidence, the odds in your favor, backed by data.

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1. Quick Overview

1.1. Quick analysis of Lawfinance (30 sec.)










1.2. What can you expect buying and holding a share of Lawfinance? (30 sec.)

How much money do you get?

How much money do you get?
A$0.00
When do you have the money?
1 year
How often do you get paid?
20.0%

What is your share worth?

Current worth
A$-1.51
Expected worth in 1 year
A$-6.78
How sure are you?
60.0%

+ What do you gain per year?

Total Gains per Share
A$-5.27
Return On Investment
-105,493.8%

For what price can you sell your share?

Current Price per Share
A$0.01
Expected price per share
A$0.005 - A$0.005
How sure are you?
50%
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2. Detailed Analysis

2.1. Valuation of Lawfinance (5 min.)




Live pricePrice per Share (EOD)
A$0.01
Intrinsic Value Per Share
A$-2.46 - A$-0.72
Total Value Per Share
A$-3.96 - A$-2.22

2.2. Growth of Lawfinance (5 min.)




Is Lawfinance growing?

Current yearPrevious yearGrowGrow %
How rich?-$61.1m-$7.5m-$53.5m-87.6%

How much money is Lawfinance making?

Current yearPrevious yearGrowGrow %
Making money-$31.2m-$14.8m-$16.4m-52.6%
Net Profit Margin183.8%663.9%--

How much money comes from the company's main activities?

2.3. Financial Health of Lawfinance (5 min.)




2.4. Comparing to competitors in the Credit Services industry (5 min.)




  Industry Rankings (Credit Services)  

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3. Summary and Key Metrics

3.1. What can you expect buying and holding a share of Lawfinance?

Welcome investor! Lawfinance's management wants to use your money to grow the business. In return you get a share of Lawfinance.

First you should know what it really means to hold a share of Lawfinance. And how you can make/lose money.

Speculation

The Price per Share of Lawfinance is A$0.005. The market price reflects what other people think it is worth; not what it's really worth. Your job is to find out if the market price is fair, overpriced, or underpriced. I will help you with that.

If you buy blind, there is a 50% chance of making or losing money by selling the stock in the future. However, we can look at a few things to determine the odds in our favor:

  • The fundamentals: the financial health trends of Lawfinance.
  • The technials: based on market psychology, we can make a calculated estimate of what the price will do in the future. We can do this through technical analysis. We can calculate the probabilities and the expected value (millionaire math). That's called speculation.
  • The book value: what is the market price compared to it's book value.

Investing

If you really want to invest in Lawfinance, you will have to let go of the thought of selling in the future. If you have to sell the share for less than you bought it, it can still be a good investment. Focus on what it means to hold the stock forever:

  • You own a part of the company. The equity of this part can grow or shrink. The current Book Value per Share is A$-1.51. Based on the TTM, the Book Value Change Per Share is A$-1.32 per quarter. Based on the YOY, the Book Value Change Per Share is A$0.71 per quarter.
  • You may receive quarterly/yearly dividend in the form of additional shares.
  • You may receive quarterly/yearly dividend in the form of cash. Based on the TTM the Dividend per Share is A$0.00 per quarter.
Based on historical numbers we can estimate the returns while holding a share of Lawfinance.

How much money are you going to get?

 MRQTTMYOY5Y10Y
 A$% of Price per ShareA$% of Price per ShareA$% of Price per ShareA$% of Price per ShareA$% of Price per Share
Usd Eps-0.49-9,794.2%-0.49-9,794.2%-0.33-6,656.2%-0.52-10,477.6%-0.29-5,747.0%
Usd Book Value Change Per Share-0.84-16,757.7%-0.84-16,757.7%0.459,042.8%-0.21-4,115.8%-0.10-1,958.3%
Usd Dividend Per Share0.000.0%0.000.0%0.03531.4%0.101,903.0%0.05951.5%
Usd Total Gains Per Share-0.84-16,757.7%-0.84-16,757.7%0.489,574.2%-0.11-2,212.7%-0.05-1,006.8%
Usd Price Per Share0.04-0.04-0.48-0.12-0.09-
Price to Earnings Ratio-0.07--0.07--1.44--0.33--1.13-
Price-to-Total Gains Ratio-0.04--0.04-1.00-0.09-1.63-
Price to Book Ratio-0.04--0.04--4.03--0.78--0.14-
Price-to-Total Gains Ratio-0.04--0.04-1.00-0.09-1.63-

When do you get the money?

Usd Investment
$.00
Usd Price Per Share0.003177
Number of shares314762
Gains per QuarterTrailing 12 Months5 Year
Usd Dividend Per Share0.000.10
Usd Book Value Change Per Share-0.84-0.21
Usd Total Gains Per Share-0.84-0.11
Gains per Quarter (314762 shares)-263,734.23-34,824.38
Gains per Year (314762 shares)-1,054,936.94-139,297.51
YearsReturn on Investment (TTM)Return on Investment (5Y)
 DividendBook Value gainTotal gainsDividendBook Value gainTotal gains
Broker costs---10---10
10-1054937-1054947119801-259099-139308
20-2109874-2109884239602-518197-278606
30-3164811-3164821359404-777296-417904
40-4219748-4219758479205-1036395-557202
50-5274685-5274695599006-1295494-696500
60-6329622-6329632718807-1554592-835798
70-7384559-7384569838609-1813691-975096
80-8439496-8439506958410-2072790-1114394
90-9494432-94944431078211-2331889-1253692
100-10549369-105493801198012-2590987-1392990

How sure are you?

Based on the past periods, how sure are you to get value out of your investment.

Linear %
 Trailing 12 Months3Y5 Year10 YearALLTIME
  % % % % %
Earnings Per Share0.01.00.00.0%0.03.00.00.0%0.05.00.00.0%0.010.00.00.0%1.018.00.05.3%
Book Value Change Per Share0.01.00.00.0%1.02.00.033.3%2.03.00.040.0%6.04.00.060.0%10.09.00.052.6%
Dividend per Share0.00.01.00.0%2.00.01.066.7%2.00.03.040.0%2.00.08.020.0%2.00.017.010.5%
Total Gains per Share0.01.00.00.0%1.02.00.033.3%2.03.00.040.0%6.04.00.060.0%10.09.00.052.6%
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3.2. Key Performance Indicators

The key performance indicators of Lawfinance Ltd compared to the Most Recent Quarter (MRQ).

 End of day+/-Most Recent QuarterTrailing 12 Months+/-Year-Over-Year+/-5 Year+/-10 Year+/-
Book Value Change Per Share---1.319-1.3190%0.712-285%-0.324-75%-0.154-88%
Book Value Per Share---1.506-1.5060%-0.187-88%-0.371-75%-0.104-93%
Current Ratio--0.2840.2840%0.461-38%0.504-44%11.790-98%
Debt To Asset Ratio--4.0734.0730%1.218+235%1.725+136%1.149+255%
Debt To Equity Ratio----0%-0%3.190-100%3.336-100%
Dividend Per Share----0%0.042-100%0.150-100%0.075-100%
Enterprise Value---120520717.876-120520717.8760%-12864897.900-89%-109800750.139-9%-66898968.790-44%
Eps---0.771-0.7710%-0.524-32%-0.824+7%-0.452-41%
Ev To Ebitda Ratio--3.4333.4330%0.743+362%-0.462+113%-0.779+123%
Ev To Sales Ratio--4.5004.5000%3.663+23%-10.136+325%infnan%
Free Cash Flow Per Share---0.182-0.1820%-0.301+66%-0.231+27%-0.181-1%
Free Cash Flow To Equity Per Share---0.108-0.1080%0.016-763%-0.029-73%0.004-2679%
Gross Profit Margin--1.0001.0000%1.0000%1.0000%1.248-20%
Intrinsic Value_10Y_max---0.717--------
Intrinsic Value_10Y_min---2.458--------
Intrinsic Value_1Y_max---0.158--------
Intrinsic Value_1Y_min---0.256--------
Intrinsic Value_3Y_max---0.408--------
Intrinsic Value_3Y_min---0.765--------
Intrinsic Value_5Y_max---0.580--------
Intrinsic Value_5Y_min---1.266--------
Market Cap319338.500-1020%3576591.2003576591.2000%48220113.500-93%11598374.320-69%8915292.243-60%
Net Profit Margin--1.8381.8380%6.639-72%2.117-13%0.924+99%
Operating Margin--1.3191.3190%5.043-74%3.182-59%1.496-12%
Operating Ratio---0.353-0.3530%-2.838+703%0.808-144%0.786-145%
Pb Ratio-0.003+91%-0.037-0.0370%-4.034+10747%-0.777+1990%-0.142+281%
Pe Ratio-0.006+91%-0.073-0.0730%-1.441+1884%-0.330+354%-1.134+1461%
Price Per Share0.005-1020%0.0560.0560%0.755-93%0.182-69%0.140-60%
Price To Free Cash Flow Ratio-0.027+91%-0.308-0.3080%-2.507+714%-0.641+108%-0.933+203%
Price To Total Gains Ratio-0.004+91%-0.042-0.0420%1.002-104%0.085-150%1.626-103%
Quick Ratio--0.2140.2140%0.454-53%0.394-46%11.569-98%
Return On Assets---1.573-1.5730%-0.424-73%-0.578-63%-0.367-77%
Return On Equity----0%-0%-0.1430%-0.2590%
Total Gains Per Share---1.319-1.3190%0.753-275%-0.174-87%-0.079-94%
Usd Book Value---61109156.900-61109156.9000%-7595394.186-88%-15072819.254-75%-4225729.559-93%
Usd Book Value Change Per Share---0.838-0.8380%0.452-285%-0.206-75%-0.098-88%
Usd Book Value Per Share---0.957-0.9570%-0.119-88%-0.236-75%-0.066-93%
Usd Dividend Per Share----0%0.027-100%0.095-100%0.048-100%
Usd Enterprise Value---76578864.138-76578864.1380%-8174356.126-89%-69767396.638-9%-42507604.769-44%
Usd Eps---0.490-0.4900%-0.333-32%-0.524+7%-0.287-41%
Usd Free Cash Flow---7379944.798-7379944.7980%-12219908.594+66%-9369103.867+27%-7334439.341-1%
Usd Free Cash Flow Per Share---0.116-0.1160%-0.191+66%-0.147+27%-0.115-1%
Usd Free Cash Flow To Equity Per Share---0.069-0.0690%0.010-763%-0.019-73%0.003-2679%
Usd Market Cap202907.683-1020%2272566.0482272566.0480%30639060.118-93%7369607.043-69%5664776.691-60%
Usd Price Per Share0.003-1020%0.0360.0360%0.480-93%0.115-69%0.089-60%
Usd Profit---31276766.048-31276766.0480%-14816057.175-53%-22445532.914-28%-12250910.662-61%
Usd Revenue---17016872.713-17016872.7130%-2231722.557-87%-4516661.757-73%-475589.225-97%
Usd Total Gains Per Share---0.838-0.8380%0.479-275%-0.111-87%-0.050-94%
 EOD+2 -6MRQTTM+0 -0YOY+6 -315Y+10 -2810Y+5 -33

3.3 Fundamental Score

Let's check the fundamental score of Lawfinance Ltd based on Penke's default stock scanner.

Penke's Stock Scanner

  
  
IndicatorConditionValue
Price to Earnings Ratio (EOD)Between0-15-0.006
Price to Book Ratio (EOD)Between0-1-0.003
Net Profit Margin (MRQ)Greater than01.838
Operating Margin (MRQ)Greater than01.319
Quick Ratio (MRQ)Greater than10.214
Current Ratio (MRQ)Greater than10.284
Debt to Asset Ratio (MRQ)Less than14.073
Debt to Equity Ratio (MRQ)Less than10.000
Return on Equity (MRQ)Greater than0.150.000
Return on Assets (MRQ)Greater than0.05-1.573
Total3/10 (30.0%)

3.4 Technical Score

Let's check the technical score of Lawfinance Ltd based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than500.000
Ma 20Greater thanMa 500.005
Ma 50Greater thanMa 1000.005
Ma 100Greater thanMa 2000.005
OpenGreater thanClose0.005
Total0/5 (0.0%)

4. In-depth Analysis

4.1 About Lawfinance Ltd

LawFinance Limited provides financing solutions to the legal industry in the United States. The company operates through Short-Term Funding and National Health Finance segments. It offers medical lien funding, office rental, and insurance brokerage services. The company was formerly known as JustKapital Limited and changed its name to LawFinance Limited in October 2018. LawFinance Limited was incorporated in 1999 and is based in Sydney, Australia.

Fundamental data was last updated by Penke on 2025-02-16 18:09:03.

4.2 In-depth Summary

4.2.1. Financial Health Summary

Profitability Details
 Compared to previous yearCompared to industry
The company is making a huge profit.
Using its assets, the company is very inefficient in making profit.
Operating Efficiency Details
 Compared to previous yearCompared to industry
The company is operating very efficient.
Liquidity Details
 Compared to previous yearCompared to industry
The company is unable to pay all its short-term debts.
The company is just not able to pay all its short-term debts with the most liquid assets.
Solvency Details
 Compared to previous yearCompared to industry
The company is unable to pay all its debts by selling its assets.

4.2.2. Valuation Summary

Valuation Details
 Compared to previous yearCompared to industry
Based on the equity, the company is expensive.
Based on the earnings, the company is expensive.
Based on how much money comes from the company's main activities, the company is expensive.
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4.3 Financial Health

4.3.1. Profitability

4.3.1 Profitability
4.3.1.1. Net Profit Margin

Measures how much net profit Lawfinance earns for each $1 of revenue.

  • Above 10% is considered healthy but always compare Lawfinance to the Credit Services industry mean.
  • A Net Profit Margin of 183.8% means that $1.84 for each $1 in revenue is generated as profit.

Let's take a look of the Net Profit Margin trends of Lawfinance Ltd:

  • The MRQ is 183.8%. The company is making a huge profit. +2
  • The TTM is 183.8%. The company is making a huge profit. +2
Trends
Current periodCompared to+/- 
MRQ183.8%TTM183.8%0.0%
TTM183.8%YOY663.9%-480.1%
TTM183.8%5Y211.7%-27.9%
5Y211.7%10Y92.4%+119.3%
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ183.8%12.6%+171.2%
TTM183.8%13.0%+170.8%
YOY663.9%15.5%+648.4%
5Y211.7%16.0%+195.7%
10Y92.4%15.6%+76.8%
4.3.1.2. Return on Assets

Shows how efficient Lawfinance is using its assets to generate profit.

  • Above 5% is considered healthy but always compare Lawfinance to the Credit Services industry mean.
  • -157.3% Return on Assets means that Lawfinance generated $-1.57 profit for each $1 in assets.

Let's take a look of the Return on Assets trends of Lawfinance Ltd:

  • The MRQ is -157.3%. Using its assets, the company is very inefficient in making profit. -2
  • The TTM is -157.3%. Using its assets, the company is very inefficient in making profit. -2
Trends
Current periodCompared to+/- 
MRQ-157.3%TTM-157.3%0.0%
TTM-157.3%YOY-42.4%-114.8%
TTM-157.3%5Y-57.8%-99.5%
5Y-57.8%10Y-36.7%-21.1%
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ-157.3%1.0%-158.3%
TTM-157.3%0.9%-158.2%
YOY-42.4%0.9%-43.3%
5Y-57.8%0.9%-58.7%
10Y-36.7%0.8%-37.5%
4.3.1.3. Return on Equity

Shows how efficient Lawfinance is using its investors money to generate profit.

  • Above 15%-20% is considered healthy but always compare Lawfinance to the Credit Services industry mean.
  • 0.0% Return on Equity means Lawfinance generated $0.00 for each $1 the owners (shareholders) invested.

Let's take a look of the Return on Equity trends of Lawfinance Ltd:

  • The MRQ is 0.0%. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM-0.0%
TTM-YOY-0.0%
TTM-5Y-14.3%+14.3%
5Y-14.3%10Y-25.9%+11.6%
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ-3.5%-3.5%
TTM-3.4%-3.4%
YOY-3.7%-3.7%
5Y-14.3%3.2%-17.5%
10Y-25.9%3.7%-29.6%
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4.3.2. Operating Efficiency of Lawfinance Ltd.

4.3.2. Operating Efficiency
4.3.2.1. Operating Margin

Measures how efficient Lawfinance is operating .

  • Measures how much profit Lawfinance makes for each $1 of sales after paying variable costs (production costs, wages, etc) but before taxes.
  • Above 15% is considered healthy but always compare Lawfinance to the Credit Services industry mean.
  • An Operating Margin of 131.9% means the company generated $1.32  for each $1 in revenue (before taxes).

Let's take a look of the Operating Margin trends of Lawfinance Ltd:

  • The MRQ is 131.9%. The company is operating very efficient. +2
  • The TTM is 131.9%. The company is operating very efficient. +2
Trends
Current periodCompared to+/- 
MRQ131.9%TTM131.9%0.0%
TTM131.9%YOY504.3%-372.3%
TTM131.9%5Y318.2%-186.3%
5Y318.2%10Y149.6%+168.7%
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ131.9%24.1%+107.8%
TTM131.9%22.1%+109.8%
YOY504.3%17.0%+487.3%
5Y318.2%16.1%+302.1%
10Y149.6%23.1%+126.5%
4.3.2.2. Operating Ratio

Measures how efficient Lawfinance is keeping operating costs low.

  • Below 1 is considered healthy (always compare to Credit Services industry mean).
  • An Operation Ratio of -0.35 means that the operating costs are $-0.35 for each $1 in net sales.

Let's take a look of the Operating Ratio trends of Lawfinance Ltd:

  • The MRQ is -0.353.
  • The TTM is -0.353.
Trends
Current periodCompared to+/- 
MRQ-0.353TTM-0.3530.000
TTM-0.353YOY-2.838+2.484
TTM-0.3535Y0.808-1.162
5Y0.80810Y0.786+0.022
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ-0.3530.938-1.291
TTM-0.3530.845-1.198
YOY-2.8380.835-3.673
5Y0.8080.804+0.004
10Y0.7860.784+0.002
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4.4.3. Liquidity of Lawfinance Ltd.

4.4.3. Liquidity
4.4.3.1. Current Ratio

Measures if Lawfinance is able to pay off Short-term Debt.

  • Above 1.5 is considered healthy (always compare to Credit Services industry mean).
  • A Current Ratio of 0.28 means the company has $0.28 in assets for each $1 in short-term debts.

Let's take a look of the Current Ratio trends of Lawfinance Ltd:

  • The MRQ is 0.284. The company is unable to pay all its short-term debts. -2
  • The TTM is 0.284. The company is unable to pay all its short-term debts. -2
Trends
Current periodCompared to+/- 
MRQ0.284TTM0.2840.000
TTM0.284YOY0.461-0.177
TTM0.2845Y0.504-0.220
5Y0.50410Y11.790-11.286
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ0.2841.581-1.297
TTM0.2841.768-1.484
YOY0.4613.018-2.557
5Y0.5043.652-3.148
10Y11.7904.244+7.546
4.4.3.2. Quick Ratio

Measures if Lawfinance is able to pay off Short-term Debt but only using the most liquid assets.

  • Above 1 is considered healthy but always compare Lawfinance to the Credit Services industry mean.
  • A Quick Ratio of 0.21 means the company can pay off $0.21 for each $1 in debt (using most liquid assets).

Let's take a look of the Quick Ratio trends of Lawfinance Ltd:

  • The MRQ is 0.214. The company is just not able to pay all its short-term debts with the most liquid assets. -1
  • The TTM is 0.214. The company is just not able to pay all its short-term debts with the most liquid assets. -1
Trends
Current periodCompared to+/- 
MRQ0.214TTM0.2140.000
TTM0.214YOY0.454-0.239
TTM0.2145Y0.394-0.180
5Y0.39410Y11.569-11.175
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ0.2141.141-0.927
TTM0.2141.293-1.079
YOY0.4542.409-1.955
5Y0.3943.610-3.216
10Y11.5694.258+7.311
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4.5.4. Solvency of Lawfinance Ltd.

4.5.4. Solvency
4.5.4.1. Debt to Asset Ratio

Measures how much % of Lawfinance assets are financed with debt.

  • Below 1 (100%) is considered healthy but always compare Lawfinance to Credit Services industry mean.
  • A Debt to Asset Ratio of 4.07 means that Lawfinance assets are financed with 407.3% credit (debt) and the remaining percentage (100% - 407.3%) is financed by its owners/shareholders. 

Let's take a look of the Debt to Asset Ratio trends of Lawfinance Ltd:

  • The MRQ is 4.073. The company is unable to pay all its debts by selling its assets. -2
  • The TTM is 4.073. The company is unable to pay all its debts by selling its assets. -2
Trends
Current periodCompared to+/- 
MRQ4.073TTM4.0730.000
TTM4.073YOY1.218+2.855
TTM4.0735Y1.725+2.348
5Y1.72510Y1.149+0.576
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ4.0730.728+3.345
TTM4.0730.724+3.349
YOY1.2180.698+0.520
5Y1.7250.707+1.018
10Y1.1490.689+0.460
4.5.4.2. Debt to Equity Ratio

Measures if Lawfinance is able to pay off its debts by using shareholders equity.

  • Below 2 is considered healthy but always compare Lawfinance to the Credit Services industry mean.
  • A Debt to Equity ratio of 0.0% means that company has $0.00 debt for each $1 in shareholders equity.

Let's take a look of the Debt to Equity Ratio trends of Lawfinance Ltd:

  • The MRQ is 0.000. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM-0.000
TTM-YOY-0.000
TTM-5Y3.190-3.190
5Y3.19010Y3.336-0.147
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ-2.437-2.437
TTM-2.523-2.523
YOY-2.308-2.308
5Y3.1902.227+0.963
10Y3.3362.356+0.980
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4.6. Market Valuation

4.6.1. Earnings Per Share
4.6.2.1. Price to Earnings Ratio

Measures how much money you pay for each share for every $1 in earnings Lawfinance generates.

  • Above 15 is considered overpriced but always compare Lawfinance to the Credit Services industry mean.
  • A PE ratio of -0.07 means the investor is paying $-0.07 for every $1 in earnings.

Let's take a look of the Price to Earnings Ratio trends of Lawfinance Ltd:

  • The EOD is -0.006. Based on the earnings, the company is expensive. -2
  • The MRQ is -0.073. Based on the earnings, the company is expensive. -2
  • The TTM is -0.073. Based on the earnings, the company is expensive. -2
Trends
Current periodCompared to+/- 
EOD-0.006MRQ-0.073+0.066
MRQ-0.073TTM-0.0730.000
TTM-0.073YOY-1.441+1.369
TTM-0.0735Y-0.330+0.257
5Y-0.33010Y-1.134+0.804
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
EOD-0.0068.767-8.773
MRQ-0.0739.043-9.116
TTM-0.0739.840-9.913
YOY-1.4417.388-8.829
5Y-0.33011.068-11.398
10Y-1.13412.537-13.671
4.6.2.2. Price To Free Cash Flow Ratio

Let's take a look of the Price To Free Cash Flow Ratio trends of Lawfinance Ltd:

  • The EOD is -0.027. Based on how much money comes from the company's main activities, the company is expensive. -2
  • The MRQ is -0.308. Based on how much money comes from the company's main activities, the company is expensive. -2
  • The TTM is -0.308. Based on how much money comes from the company's main activities, the company is expensive. -2
Trends
Current periodCompared to+/- 
EOD-0.027MRQ-0.308+0.280
MRQ-0.308TTM-0.3080.000
TTM-0.308YOY-2.507+2.199
TTM-0.3085Y-0.641+0.333
5Y-0.64110Y-0.933+0.293
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
EOD-0.0270.475-0.502
MRQ-0.3080.485-0.793
TTM-0.3080.353-0.661
YOY-2.507-0.627-1.880
5Y-0.6410.552-1.193
10Y-0.933-0.357-0.576
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4.6.2. Book Value per Share
4.6.2.1. Price to Book Ratio

Measures if the stock price of Lawfinance is to cheap or to expensive compared to its book value.

  • At or below 1 is considered healthy (always compare to Credit Services industry mean).
  • A PB ratio of -0.04 means the investor is paying $-0.04 for each $1 in book value.

Let's take a look of the Price to Book Ratio trends of Lawfinance Ltd:

  • The EOD is -0.003. Based on the equity, the company is expensive. -2
  • The MRQ is -0.037. Based on the equity, the company is expensive. -2
  • The TTM is -0.037. Based on the equity, the company is expensive. -2
Trends
Current periodCompared to+/- 
EOD-0.003MRQ-0.037+0.034
MRQ-0.037TTM-0.0370.000
TTM-0.037YOY-4.034+3.997
TTM-0.0375Y-0.777+0.740
5Y-0.77710Y-0.142-0.636
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
EOD-0.0031.002-1.005
MRQ-0.0370.969-1.006
TTM-0.0371.012-1.049
YOY-4.0340.944-4.978
5Y-0.7771.154-1.931
10Y-0.1421.385-1.527
4.6.2. Total Gains per Share

4.7 Holders & Insider Transactions

Let's take a look at which institutions, funds and insiders are holding shares of Lawfinance Ltd.

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5. Financial Statements




5.1. Reversals in quarterly reports

I have detected a reversal (positive to negative, negative to positive) in the following values of the quarterly reports.

 2018-12-312019-12-312020-12-312021-12-312022-12-31
Other Assets  114,425-114,425059,83459,834-14,06045,774-53,599-7,825



5.2. Latest Balance Sheet

Balance Sheet of 2022-12-31. Currency in USD. All numbers in thousands.

Summary
Total Assets19,887
Total Liabilities80,997
Total Stockholder Equity-72,841
 As reported
Total Liabilities 80,997
Total Stockholder Equity+ -72,841
Total Assets = 19,887

Assets

Total Assets19,887
Total Current Assets15,576
Long-term Assets9,283
Total Current Assets
Cash And Cash Equivalents 2,145
Short-term Investments 685
Net Receivables 8,927
Inventory 3,027
Other Current Assets 1,478
Total Current Assets  (as reported)15,576
Total Current Assets  (calculated)16,261
+/- 685
Long-term Assets
Property Plant Equipment 202
Long-term Assets Other 9,081
Long-term Assets  (as reported)9,283
Long-term Assets  (calculated)9,283
+/-0

Liabilities & Shareholders' Equity

Total Current Liabilities54,876
Long-term Liabilities265
Total Stockholder Equity-72,841
Total Current Liabilities
Short-term Debt 53,290
Short Long Term Debt 53,249
Accounts payable 407
Other Current Liabilities 1,179
Total Current Liabilities  (as reported)54,876
Total Current Liabilities  (calculated)108,125
+/- 53,249
Long-term Liabilities
Long term Debt Total 265
Long-term Liabilities  (as reported)265
Long-term Liabilities  (calculated)265
+/-0
Total Stockholder Equity
Common Stock151,399
Retained Earnings -180,093
Accumulated Other Comprehensive Income 62,406
Other Stockholders Equity -106,553
Total Stockholder Equity (as reported)-72,841
Total Stockholder Equity (calculated)-72,841
+/-0
Other
Capital Stock102,671
Cash And Equivalents1,460
Cash and Short Term Investments 2,145
Common Stock Shares Outstanding 56,295
Liabilities and Stockholders Equity 19,887
Net Debt 52,095
Net Invested Capital 18,453
Net Tangible Assets -34,937
Net Working Capital -44,272
Property Plant and Equipment Gross 923
Short Long Term Debt Total 53,555



5.3. Balance Sheets Structured

Currency in USD. All numbers in thousands.

 Trend2022-12-312021-12-312020-12-312019-12-312018-12-312017-12-312016-12-312015-12-312014-12-312013-12-312012-12-312011-12-312010-12-312009-12-312008-12-312007-12-312001-12-312000-12-311999-12-311998-12-31
> Total Assets 
11,070
10,084
1,866
1,311
1,233
758
1,969
2,872
2,940
1,453
6,382
7,086
17,634
45,409
57,826
160,439
115,743
66,336
34,916
19,887
19,88734,91666,336115,743160,43957,82645,40917,6347,0866,3821,4532,9402,8721,9697581,2331,3111,86610,08411,070
   > Total Current Assets 
5,049
4,326
889
592
1,233
758
1,956
2,139
1,726
341
5,295
6,644
9,559
23,713
13,499
31,492
26,087
29,430
13,587
15,576
15,57613,58729,43026,08731,49213,49923,7139,5596,6445,2953411,7262,1391,9567581,2335928894,3265,049
       Cash And Cash Equivalents 
4,523
3,461
629
153
1,205
723
1,555
1,659
1,573
333
2,852
6,588
3,102
5,861
929
3,696
4,063
3,758
3,697
2,145
2,1453,6973,7584,0633,6969295,8613,1026,5882,8523331,5731,6591,5557231,2051536293,4614,523
       Short-term Investments 
0
7
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
128
0
685
685012800000000000000070
       Net Receivables 
161
713
207
330
16
26
377
460
91
1
6
13
6,401
17,691
8,906
18,883
17,347
15,158
9,677
8,927
8,9279,67715,15817,34718,8838,90617,6916,4011361914603772616330207713161
       Inventory 
237
134
53
105
0
0
0
0
0
0
-134
0
0
0
0
0
104,697
82,446
-13,374
3,027
3,027-13,37482,446104,69700000-13400000010553134237
       Other Current Assets 
127
30
0
13
12
20
52
38
122
8
2,438
99
113
161
3,664
0
1,753
7,977
293
1,478
1,4782937,9771,75303,664161113992,43881223852201213030127
   > Long-term Assets 
6,021
5,758
977
719
0
0
13
733
1,214
1,112
1,087
442
8,075
21,696
21,217
0
89,655
36,905
21,329
9,283
9,28321,32936,90589,655021,21721,6968,0754421,0871,1121,21473313007199775,7586,021
       Property Plant Equipment 
2,303
1,912
169
139
0
0
13
733
1,214
1,112
1,087
2
69
165
104
198
1,133
893
247
202
2022478931,1331981041656921,0871,1121,21473313001391691,9122,303
       Goodwill 
805
644
0
0
0
0
0
0
0
0
0
0
3,311
4,567
4,366
40,539
28,487
0
0
0
00028,48740,5394,3664,5673,3110000000000644805
       Long Term Investments 
0
0
0
0
0
0
0
0
0
0
0
0
656
1,616
1,652
1,166
1,651
0
0
0
0001,6511,1661,6521,616656000000000000
       Intangible Assets 
2,913
2,205
808
580
0
0
0
0
0
0
0
440
557
6,726
10,933
8,784
5,655
8
0
0
0085,6558,78410,9336,72655744000000005808082,2052,913
       Other Assets 
0
0
0
0
0
0
0
0
0
0
0
0
2,239
30,789
23,110
72,706
0
38,019
29,085
-4,972
-4,97229,08538,019072,70623,11030,7892,239000000000000
> Total Liabilities 
713
971
986
1,068
8
15
114
120
220
24
3,958
61
9,919
34,073
53,219
143,102
103,267
102,808
42,511
80,997
80,99742,511102,808103,267143,10253,21934,0739,919613,958242201201141581,068986971713
   > Total Current Liabilities 
684
914
960
1,036
8
15
114
120
220
24
3,958
61
8,581
10,724
11,371
31,466
54,013
100,693
29,477
54,876
54,87629,477100,69354,01331,46611,37110,7248,581613,958242201201141581,036960914684
       Short-term Debt 
0
27
29
34
0
0
0
0
0
0
0
0
5,794
7,223
4,715
10,835
47,417
87,514
27,878
53,290
53,29027,87887,51447,41710,8354,7157,2235,794000000003429270
       Short Long Term Debt 
0
0
0
0
0
0
0
0
0
0
0
0
10,399
9,400
6,418
3,529
95,481
123,435
38,323
53,249
53,24938,323123,43595,4813,5296,4189,40010,399000000000000
       Accounts payable 
578
758
548
655
8
15
114
83
201
19
17
38
710
2,521
1,926
7,556
4,644
3,858
502
407
4075023,8584,6447,5561,9262,52171038171920183114158655548758578
       Other Current Liabilities 
397
436
1,213
876
8
4
21
32
17
7
3,942
41
2,319
384
4,730
0
4,828
11,010
1,695
1,179
1,1791,69511,0104,82804,7303842,319413,9427173221488761,213436397
   > Long-term Liabilities 
29
57
27
32
8
15
114
83
201
17
17
38
1,337
23,349
6,641
0
49,253
2,116
13,034
265
26513,0342,11649,25306,64123,3491,3373817172018311415832275729
       Long term Debt Total 
0
0
0
0
0
0
0
0
0
0
0
0
1,761
23,371
30,929
111,120
69,226
19,644
17,982
265
26517,98219,64469,226111,12030,92923,3711,761000000000000
       Other Liabilities 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
804
1,559
0
0
001,5598040000000000000000
       Deferred Long Term Liability 
0
0
0
0
0
0
0
0
0
0
0
0
999
8,739
10,994
6,864
6,362
0
0
0
0006,3626,86410,9948,739999000000000000
> Total Stockholder Equity
10,357
9,113
879
243
1,225
744
1,856
2,751
2,720
1,428
2,532
7,025
7,716
11,335
4,607
17,337
13,423
-35,427
-7,258
-72,841
-72,841-7,258-35,42713,42317,3374,60711,3357,7167,0252,5321,4282,7202,7511,8567441,2252438799,11310,357
   Common Stock
10,321
8,826
6,775
8,530
26,421
18,558
22,203
35,908
33,924
27,638
30,693
9,171
10,432
16,539
17,602
37,649
28,783
57,703
81,512
151,399
151,39981,51257,70328,78337,64917,60216,53910,4329,17130,69327,63833,92435,90822,20318,55826,4218,5306,7758,82610,321
   Retained Earnings 
36
287
-5,896
-8,287
-25,196
-17,815
-20,579
-33,889
-31,794
-26,730
-28,963
-2,819
-3,441
-6,720
-14,655
-26,310
-18,752
-97,580
-107,866
-180,093
-180,093-107,866-97,580-18,752-26,310-14,655-6,720-3,441-2,819-28,963-26,730-31,794-33,889-20,579-17,815-25,196-8,287-5,89628736
   Accumulated Other Comprehensive Income 
0
-156
-533
-354
1
1
232
732
590
521
802
674
725
1,516
1,661
0
4,834
4,003
19,095
62,406
62,40619,0954,0034,83401,6611,51672567480252159073223211-354-533-1560
   Capital Surplus 00000000000000000000
   Treasury Stock00000000000000000000



5.4. Balance Sheets

Currency in USD. All numbers in thousands.




5.5. Cash Flows

Currency in USD. All numbers in thousands.