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Share Name Share Symbol Market Type Share ISIN Share Description
Zaim Credit Systems Plc LSE:ZAIM London Ordinary Share GB00BK5T9G03 ORD �0.01
  Price Change % Change Share Price Bid Price Offer Price High Price Low Price Open Price Shares Traded Last Trade
  0.00 0.0% 1.50 1.00 2.00 1.50 1.23 1.50 0.00 08:00:09
Industry Sector Turnover (m) Profit (m) EPS - Basic PE Ratio Market Cap (m)
General Financial 9.4 0.8 0.0 - 7

Zaim Credit Systems Share Discussion Threads

Showing 1 to 25 of 125 messages
Chat Pages: 5  4  3  2  1
DateSubjectAuthorDiscuss
18/1/2021
05:12
I am too stupid.......... and have no analytical skills and am not professional and do not understand the language to get it....... sorry
kaos3
18/1/2021
05:10
"if Zaim were to continue to be loss making the Group islikely to require additional capital after the Working Capital Period to support the continuedgrowth of its operations."
kaos3
18/1/2021
05:09
what they tell in writing to me is: "zaim’s risk management policies and procedures may be inadequate. The Group dependsupon the reliability of its credit risk assessment to assess the credit worthiness ofborrowers. If this system is deficient it is likely to result in more defaulting loans whichwould have a material adverse effect on the financial condition and results of the Group."
kaos3
18/1/2021
05:04
and here it goes - Italians and russians (can it get any better ????) lending at shark rates !!! - from IPO: ---------------------------------------------------------------------- ..........zaim has accumulated losses as at 31 December 2018 of £38.1 million and, on a statutorybasis, has made losses in each of the three financial years to 31 December 2018.................. ---------------------------------------------------------------------------- one has to be genius for that one!!! to do to make plot even better - enter anonimus Monaco backers DANGER DANGER on my sensor. now open the management section on the web page and take slow and deep look at their faces and think about it - they lost 38 millions giving out loans at shark interest rates and probably charging fees too in addition! I did my homework and it is too much for a gardener to understand. I usually get it wrong and ZAIM is a superb operation - it is just myself and me - that do not get it
kaos3
18/1/2021
04:57
2. The adjustment of £2.1 million represents the gross proceeds of the Fundraise, lessassociated costs and expenses directly attributable to the Admission amounting toapproximately £500,000. wtf? costs
kaos3
18/1/2021
04:55
ipo prospectus data - lending at 1% per month + probably processing costs - look how much money they were loosing - is that good management? they went from 4 mil to 1 mil !!!! Audited Audited Audited 30 June2016 2017 2018 2019£’000 £’000 £’000 £’000ASSETSNon-current assets:Property and equipment 22 17 13 12 –––;––̵1;– –––;––̵1;– –––;––̵1;– –––;––̵1;– 22 17 13 12 –––;––̵1;– –––;––̵1;– –––;––̵1;– –––;––̵1;–Current assets:Cash and cash equivalents 645 457 454 204Loans to customers 2,720 1,079 640 630Other assets 667 337 229 444 –––;––̵1;– –––;––̵1;– –––;––̵1;– –––;––̵1;– 4,032 1,873 1,323 1,278 –––;––̵1;– –––;––̵1;– –––;––̵1;– –––;––̵1;–TOTAL ASSETS 4,054 1,890 1,336 1,290 –––;––̵1;– –––;––̵1;– –––;––̵1;– –––;––̵1;–
kaos3
18/1/2021
00:19
It’s a quiet board Kaos, just me you and Abe, is anyone else keeping an eye on these? Next trading update due soon and with November up 490% in 5 months and profitable before estimates will be interesting to see how they are doing now.
csmwssk12hu
18/1/2021
00:04
It’s interesting there was some big buys on Friday and so broke through 3p, it’s all time high is circa 4p, at 3.5p it’s approaching that, if it clears that it will be a very strong bull signal and maybe we get a quick breakout
csmwssk12hu
18/1/2021
00:02
Forgot to mention current mcap is only £14m with profits forecast over £7m in 2022 that’s a forward pe of less than 2, for a fintech company that’s really cheap
csmwssk12hu
18/1/2021
00:00
Hi Kaos I don’t know where did you read that? I’ve read analysts reports which say they expect £2.2m profit in 2021 and over £7m in 2022, they have already hit profitability ahead of plan so they may get those figures upgraded
csmwssk12hu
17/1/2021
06:34
csm - thanks for pointing here. I read that something big (in the 10ns of mill range) happened in ZAIM history. what was that? I hope I am right with this Q
kaos3
17/1/2021
00:03
Well welcome aboard Abe and enjoy
csmwssk12hu
16/1/2021
17:20
Well i'm definitely here for the near term :)
aberloon2
16/1/2021
01:30
Another piece from another broker ZAIM Credit Systems PLC (LON:ZAIM) has received a price target upgrade to 8.61p from broker Optiva, which cited improving cashflow as well as peer comparisons for the change. The new target, which implies a valuation of £37.6mln, compares to its previous target of 8p and reflects progress both since its IPO in both derisking and diversifying its business model, said the broker. Cashflow is more important in this methodology, Optiva said, as having now shown proof of concept there is evidence to suggest ZAIM could achieve consistent profitability in the near term.
csmwssk12hu
16/1/2021
01:26
If they make £7.8 million in 2022 at 20 times pe which is not unreasonable for a fast growing business would be a mcap of £156m, today it’s mcap is £13m, which would lead to an share price around 36p, however if they are growing that fast and hit those figures something tells me they will be a lot higher by then imho dyor
csmwssk12hu
16/1/2021
01:22
Found this piece online In late November 2020, analysts at Italian research group ValueTrack said Zaim is set for a rapid increase in profitability now that it has passed net even breaking point. Covid-19 has driven the microfinance business online and accelerated Russian “digitalisation” says ValueTrack. While the impact of COVID-19 means the microfinance market will remain stable year-on-year in 2020, online expansion will grow the business at an annual rate of 20-25% in 2021E-22E, said the note. Zaim’s online loans represented 59% of the portfolio in September 2020 compared to just 3% in October 2019 and this repositioning should drive further improvements going forward, says ValueTrack. A net loss of £0.3mn in 2020 this year should swing to a profit of £2.7mln in 2021 and £7.8mln in 2022E, says ValueTrack, which has a fair value estimate of 6.75p per share against 6.5p previously.
csmwssk12hu
15/1/2021
18:16
Three big buys at the end and nudged up to 3.5 bodes well for Monday
csmwssk12hu
15/1/2021
10:55
I'm a sociable chap csm :) Fingers crossed.
aberloon2
15/1/2021
10:51
Welcome Abe I am no longer alone, yes it’s been upward since September, the last update was astounding that’s what got me interested in November, going my the uptick in volume I get the feeling another is due, if it’s anything like the last one hopefully it will take off then
csmwssk12hu
15/1/2021
10:35
Certainly an upward chart, so just had a dabble.
aberloon2
09/11/2020
10:49
Very nice looking trading figures published today. Big growth, particularly in its online business. Mkt cap at only £11m starting to look pretty undervalued!!
bobby1904
20/2/2020
23:01
Provident of Russia worth a small punt 4 the long term
bubsy2
25/11/2019
12:13
Interesting - 1% per day.Wow.
wantage
18/11/2019
10:27
Been some big buys the last few days.
johnyee 7
15/11/2019
09:16
!FOLLOWFEED Micro finance in Russia. http://www.zaimcreditsystemsplc.com/en/ http://www.zaimcreditsystemsplc.com/prospectus.pdf https://www.proactiveinvestors.co.uk/companies/news/224158/zaim-aiming-to-grow-its-footprint-in-the-russian-micro-finance-market-following-london-ipo-224158.html
johnyee 7
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