Wins Finance Holdings Inc.

Moat Score
Safety Score

Market Cap $39.68K
PE -0
Debt $22.99M
Cash $575.15K
EV $22.45M
FCF -$9.08M

Earnings

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Sales & Net Margins

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Earnings	-$753.04K
EBIT	-$517.02K
ROE	-36%
ROA	-1%
FCF	-$9.08M
Equity	$2.10M
Growth Stability	-406%
PE	-0.05
PB	0.02
P/FCF	-0
P/S	0.01
Price/Cash	14.5
Debt/Equity	10.97
Debt/FCF	-2.53
Net Margins	-20%
Op. Margins	-14%
Sales Growth YoY	-95%
Sales Growth QoQ	27%
Equity CAGR	-54%

Earnings Growth YoY	-101%
Earnings Growth QoQ	-114%
Equity CAGR 5Y	-54%
Equity CAGR 3Y	-54%
Market Cap	$39.68K
Revenue	$3.71M
Assets	$47.08M
Total Debt	$22.99M
Cash	$575.15K
Shares Outstanding	19.84M
EV	22.45M
Moat Score	5%
Safety Score	17%
Working Capital	10.52M
Current Ratio	1.29
Shares Growth 3y	4%
Equity Growth QoQ	-141%
Equity Growth YoY	-99%

Assets & ROA

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Stockholders Equity & ROE

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Wins Finance Holdings Inc is a diversified investment and asset management company. It is in the business of leasing, financial advisory, financial guarantees, and partnerships. Leasing business covers financing to small and medium enterprise organizations in China through equipment leasing and equipment purchase leaseback services. The company remains as a guarantor to the lenders and focuses on financing from banks to Chinese SMEs. It also provides financial consultancy services to customers according to their specific needs. The customers have access to guarantee services, investigation, research, locating sources of financing, negotiation, and closing of finance, cash -flow planning, and management. Its only operating segment is to provide financial services.

SEC Filings

Direct access to Wins Finance Holdings Inc. (WINSF) Annual Reports (10K) and Quarterly Reports (10Q) from the SEC website.

2015
- 10-Q Sep 30

Sector Comparison

How does Wins Finance Holdings Inc. compare to its competitors?

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Peter Lynch's Chart

This chart shows the current pricing of Wins Finance Holdings Inc. compared to its past. The addition of the earnings trend line provides further insights into the company's earnings power.

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Wins Finance Holdings Inc. Discounted Cash Flow

Fully customizable DCF calculator online for Wins Finance Holdings Inc..

Years

Calculation mode

= -$91M

	0	1	2	3	4	5	6	7	8	9	10	TV
fcf	-$9.1M	-$9.1M	-$9.1M	-$9.1M	-$9.1M	-$9.1M	-$9.1M	-$9.1M	-$9.1M	-$9.1M	-$9.1M	-$91M
DCF		-$8.3M	-$7.5M	-$6.8M	-$6.2M	-$5.6M	-$5.1M	-$4.7M	-$4.2M	-$3.9M	-$3.5M	-$35M
Value	-$91M

Competitiveness and MOAT

High margins render the company resilient under dire circumstances, hence able to drive competitors out or acquire them. ROE and ROA measure the average flow generated by each invested dollar. Their marginal value is a forecast of future growth, and it is considered by Buffett and Munger the most important single indicator.

Years	06/2015	06/2016	06/2017	06/2018	06/2019	06/2020	06/2021	06/2022	06/2023	06/2024	TTM
Net Margins	176%	220%	209%	10K%	78%	83%	2K%	144%	-78%	-20%	-20%
ROA	-	-	-	-	-34%	-8%	-5K%	-196%	-9%	-1%	-1%
ROE	-	-	-	-	-27%	-6%	8K%	54%	8%	-36%	-36%

Bad Net Margins (-20.29%)

Net Margins are too low to guarantee profitability in case of higher costs or higher interest rates. Furthermore lower margins cause higher earnings’ volatility.

Safety and Stability

Being debt the number one cause of investment losses and company death, the ratio Debt/FCF is of utmost importance to guarantee safety. On the other hand the Graham’s stability measures the drawdown of earnings, hence indicating the reliability of the flow generated by the company.

Years	06/2015	06/2016	06/2017	06/2018	06/2019	06/2020	06/2021	06/2022	06/2023	06/2024	TTM
Debt over FCF	-	-	-	-	-	-0	-	-	0	-2.53	-2.53
Debt over Equity	-	-	-	-	-	0	-	-	-0	10.97	10.97
Growth Stability	-	-	-	54%	-406%	-	-	-	-	-	-406%

Good Debt/FCF ratio (-2.53)

Net Margins are high enough to offer a good protection on the profits in case of higher costs or higher interests. Furthermore higher margins reduce earnings’ volatility.

Bad Debt/Equity ratio (10.97)

The company is overleveraged and has a bad balance between equity and debt.

Bad Graham’s Stability (-406%)

The company has a bad stability in its earnings, which is a sign of a bad competitive advantage.

Growth

Growth can be dangerous when forecasting, simply projecting the current growth is in general wrong. A company passes through multiple phases, from being young and unprofitable, to the first periods of profitability and high growth, until it arrives at a period of regime with limited growth. Identifying in which phase the company is in may help forecasting.

Years	06/2015	06/2016	06/2017	06/2018	06/2019	06/2020	06/2021	06/2022	06/2023	06/2024	CAGR 5Y
Revenue YoY growth	-	-63%	77%	-99%	-73K%	-81%	-36%	-79%	-127%	603%	-
Earnings YoY growth	-	-54%	68%	-48%	-654%	-79%	2K%	-99%	-86%	84%	-
Equity YoY growth	-	3%	6%	6%	-22%	-8%	-101%	99%	-3%	-141%	-54%
FCF YoY growth	-	-216%	-136%	-50%	-684%	-92%	-100%	-2K%	-75%	-17K%	-