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VFIN - where the journey leads it?

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Re: VFIN - where the journey leads it?

Post by slstock on Wed Aug 26, 2015 12:42 pm

Nostalgia :

Found some saved comments I made on VFIN many years ago :
Fun to read now.

-------------------------------

Date : May 2013

VFIN price then : Rs 32 !!

slstock wrote:
First take a look at the report

http://www.cse.lk/cmt/upload_report_file/949_1369741250951.pdf

EPS 7.04 . YoY growth 22% under a difficult year
Current PE is around 4.5
NAV is 22.5

VFIN has been a growing very rapidly.

Their Capital requirement ratios are a bit worrying but this seems to be sign of a very aggressive company.

Is is still in a primary stage but is it going in the foot steps of LFIN ? ( still not sure why DP needs LFIN and VFIN)

Their branch expansion are happening and decent Dividend of Rs 1.25 - 1.5 possible soon.


Seems to be a worthy investment for the agressive or not? What are you views.


-----------------------------------------------------
Date : Nov 25 2013

VFIN price then : Rs 30.1 !!

slstock wrote:
those who silently watch and act during these "dull" time might get rewarded handsomely in the future.

I see 3 shares on my watch gaining more interest than usual. VFIN is 1 of them. The other one I talked about already. Some huge orders appear and dissapear ( but without filling )

The 3rd.. is not a "big" share in anyway .

-----------------------------------------------------
Jul 10, 2014

VFIN price : Rs 35

slstock wrote:
CRL has potential to grow fast as their branch network is still less. But right not I think VFIN is going to grow faster.


-------------------------------------------------------
2015

slstock wrote:
Update on Feb 16th VFIN:

Is VFIN getting ready for a run ? Compared to COCR this is worth clearly over Rs 60. Now at Rs 49. If it does LFIN can also run.

---------------------------------------------------------

Am sure if I dig more I can find better/more detailed analytical posts

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Re: VFIN - where the journey leads it?

Post by GroundedKestrel on Wed Aug 26, 2015 12:45 pm

I am a very happy man because of you Smile. Your sage advice kept me for losing my cool and thinking objectively. CIND also paid off handsomely too.
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Re: VFIN - where the journey leads it?

Post by Future123 on Wed Aug 26, 2015 1:19 pm

Thank you Sls. Full credit to you for highlighting this gem since Rs. 30. Still we have a long way to go with this and this grows day-by-day.

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Re: VFIN - where the journey leads it?

Post by First Guy on Thu Aug 27, 2015 12:06 am

A point to note - opening new branches does not have to mean more profits. There will be increased cost, at least at first. Then how about other finance companies in that area and the competition level? It depends on how much they market and manage to get in more customers.

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Re: VFIN - where the journey leads it?

Post by Backstage on Thu Aug 27, 2015 9:50 am

We expect the next quarter to be good for fin companies, if the rates keep on increasing, wouldn't the profits start to reflect that ?
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Re: VFIN - where the journey leads it?

Post by GroundedKestrel on Thu Aug 27, 2015 9:57 am

Slstock, I am curious as to if you have you found the answer to your own question above? " still not sure why DP needs LFIN and VFIN?"
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Re: VFIN - where the journey leads it?

Post by slstock on Thu Aug 27, 2015 1:11 pm

Well, I think in one of DP interviews he gave a reason. I forgot what as the reason did not strike me as special probably.

But, its good there is a VFIN ( company) separate from LFIN Wink Think why with respect to VFIN ( as your interest is on VFIN)



GroundedKestrel wrote:Slstock, I am curious as to if you have you found the answer to your own question above? " still not sure why DP needs LFIN and VFIN?"

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Re: VFIN - where the journey leads it?

Post by GroundedKestrel on Thu Aug 27, 2015 4:34 pm

First VFIN ad released! Very Happy

https://www.youtube.com/watch?v=6VU5HsqHdyw

Hmmm.. you pose an interesting question Slstock. So far the only differences that i can tell (i have not studied LFIN) is that LFIN is more urban-centric whilst VFIN is targeted more towards the middle class. What about their gold portfolios?

I need to think more on this..
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Re: VFIN - where the journey leads it?

Post by Future123 on Thu Aug 27, 2015 8:27 pm

Oh my god...this is our Fib on achi boy no. Very intelligent boy and missing his videos.

GK, when you said first ad from VFIN I was excited to see it. I guess VFIN has not done any TV advertising before. I asked myself many times why they don't advertise on electronic media and my answer was that they are still too small in terms of number of branches. They should open at least another 10 branches for the advertisement to reach the Island.

Therefore, they should slowly increase the number of branches and make a profit of at least Rs. 150 million a quarter may be in a years time. For the time being I'm very happy about their growth in terms of number of branches and profit growth. If they can maintain the profit growth of 20% to 30% a year then sure VFIN will rock in the future.


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Re: VFIN - where the journey leads it?

Post by First Guy on Fri Aug 28, 2015 6:50 am

Didn't understand the first line Future.

Anyway I think you either get too optimistic or too pessimistic on certain things Very Happy

Just a word of caution not to get carried away with the new branches. Initially it can be added cost. I agree with you that the positive effect of commercials will not be seen with few branches and they need more for that to be effective.

The commercial is very similar to COCR Very Happy
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Re: VFIN - where the journey leads it?

Post by Future123 on Fri Aug 28, 2015 8:45 am

FG, when I clicked the link it took me somewhere and Fib on Achi boy appeared. I don't know how it happened. Very Happy  Very Happy  Very Happy

https://www.youtube.com/watch?v=HNQVQubFPU4

Yes. I know that opening new branches is a burden on the P&L initially but the benefits would start in years or quarters to come. As I have traveled with LFIN over 6 years I know how they expanded. Now my dividend yield from LFIN is over 25% and I never thought of selling LFIN unless it becomes overvalued or manipulated to 250 or 300 at present conditions and earnings.

Anyway, GK, where this advertisement appeared? On which channel? I never watched?

Just got some info about next 2 branch openings. Wattala and Warakapola. But don't know how truth is this.

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Re: VFIN - where the journey leads it?

Post by GroundedKestrel on Fri Aug 28, 2015 10:42 am

A friend of mine mentioned it in passing that he had seen it at some corporate event. Then i did some research and found the ad. I do not know if they have launched it on our local television channels as of yet though.

Haha.. what happened to him? he used to be so involved in the other forum.
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Re: VFIN - where the journey leads it?

Post by Future123 on Tue Sep 08, 2015 9:22 am

VFIN trading at attractive prices. Good opportunity to add more. Hoping for an EPS in excess of Rs. 10 for 2015/16.

VFIN has added at least 5 to 6 branches compared to the beginning of 2014/15. Future is bright with VFIN. You need to have patience to enjoy the full benefit of this growing company.

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Re: VFIN - where the journey leads it?

Post by First Guy on Tue Sep 08, 2015 10:23 pm

Again, new branches won't being profits instantly. It will take time as you said so no need to keep posting the same thing friend Wink

Other branches may contribute to the profit but new ones will initially affect it. Be sure to check all angles. Never be at either end of optimism and pessimism Smile
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Re: VFIN - where the journey leads it?

Post by කිත්සිරි ද සිල්වා on Tue Sep 08, 2015 10:26 pm

I agree.
But be careful that you too would be branded a Attacker than a Challenger.   Very Happy  Rolling Eyes
First Guy wrote:Again, new branches won't being profits instantly. It will take time as you said so no need to keep posting the same thing friend Wink
Other branches may contribute to the profit but new ones will initially affect it. Be sure to check all angles. Never be at either end of optimism and pessimism Smile
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Re: VFIN - where the journey leads it?

Post by slstock on Tue Sep 08, 2015 10:32 pm

Kithsiri, is this a continuation on the issue on your political comments and matter on Chinwi?
Best not continue it to VFIN. If he comes we can discuss that. Right now Chinwi matter should be looked at more depth and sensitivity.




කිත්සිරි ද සිල්වා wrote:I agree.
But be careful that you too would be branded a Attacker than a Challenger.   Very Happy  Rolling Eyes

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Re: VFIN - where the journey leads it?

Post by කිත්සිරි ද සිල්වා on Tue Sep 08, 2015 10:43 pm

You can take it whichever way you want to see it. Very Happy
slstock wrote:Kithsiri, is this a continuation on the issue on  your political comments and matter  on Chinwi?
Best not continue it to VFIN.  If he comes we can discuss that. Right now Chinwi matter should be looked at more depth and sensitivity. 

කිත්සිරි ද සිල්වා wrote:I agree.
But be careful that you too would be branded a Attacker than a Challenger.   Very Happy  Rolling Eyes
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Re: VFIN - where the journey leads it?

Post by GroundedKestrel on Tue Sep 08, 2015 10:53 pm

Come now children Surprised

Let us put this quarelling aside and look into the matter at hand. My personal favourite stock has gone from Rs.73 to Rs.63.20 in a relatively short space of time! No

Looked at the new list of Ministry Secretaries. It's a decent mix of both main parties. That and most the Financial Ministerial powers being divided up between Ranil, Malik, Kabir, Harsha/Eran.. Ravi boy won't have much room to mess with DP's stocks. Anyway, businessmen play the double game so i don't think he wouldn't waited without putting a substantial amount in both parties coffers.
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Re: VFIN - where the journey leads it?

Post by slstock on Tue Sep 08, 2015 11:05 pm

Kithsiri, this is getting ugly and unnecessary taking topics off focus due to political views.
Chinwi is also not here, so take the "attack" or "challenge" after ( if) he returns here.
I told you how he felt.


Now lets continue on VFIN...


Guys , no need to worry about Ravi K effects on every DP company. There is no general way to effect 1
or 2 finance companies of person where 1000s of depositers are there

Also why worry about VFIn at RS 63.5 from Rs 72.5? Most part was correction. A little bit more on a too much red market. Many other shares came more % wise.

I am only concerned about one little thing on VFIN ( nothing political) presently but it may improve after september results . So lets see.

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Re: VFIN - where the journey leads it?

Post by pathfinder on Wed Sep 09, 2015 7:33 pm

GroundedKestrel wrote:

Let us put this quarelling aside and look into the matter at hand. My personal favourite stock has gone from Rs.73 to Rs.63.20 in a relatively short space of time! No
.

You don't have to worry if you are a MT or a LT investor.
If you are a trader you could have sell high and wait till the right time comes to
re-enter
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Re: VFIN - where the journey leads it?

Post by GroundedKestrel on Wed Sep 09, 2015 9:24 pm

Thank you. I'm an investor Path, LT Smile. What about you?

Up by Rs.3.70 today Smile
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Re: VFIN - where the journey leads it?

Post by GroundedKestrel on Thu Sep 10, 2015 1:57 pm

slstock wrote:

I am only concerned about one little thing on VFIN ( nothing political) presently but it may improve after september results . So lets see.


Hmmmm this "problem" got me thinking quite a bit. Slstock, is it the capital requirement ratio? hence the need to capitalise.. or the loan book vs public deposits spread?
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Re: VFIN - where the journey leads it?

Post by pathfinder on Thu Sep 10, 2015 7:18 pm

GroundedKestrel wrote:Thank you. I'm an investor Path, LT Smile. What about you?

Up by Rs.3.70 today Smile

I'm mostly a trader.
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Re: VFIN - where the journey leads it?

Post by GroundedKestrel on Wed Sep 16, 2015 11:50 am

Down by Rs.2.30! affraid

Something to do with this vehicle leasing business? Wouldn't this wipe out "petti-kada" finance companies and further strengthen the strong ones?

I wish people thought long term Neutral
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Re: VFIN - where the journey leads it?

Post by GroundedKestrel on Thu Sep 17, 2015 10:31 am

Still dropping..... scratch
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