Pomanda estimates the enterprise value of PEARL FINANCE LIMITED at £326k based on a Turnover of £346.7k and 0.94x industry multiple (adjusted for size and gross margin).
pearl finance limitedEstimated Valuation
£0
Pomanda estimates the enterprise value of PEARL FINANCE LIMITED at £0 based on an EBITDA of £-120k and a 3.6x industry multiple (adjusted for size and gross margin).
pearl finance limitedEstimated Valuation
£219.4m
Pomanda estimates the enterprise value of PEARL FINANCE LIMITED at £219.4m based on Net Assets of £92.3m and 2.38x industry multiple (adjusted for liquidity).
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Pearl Finance LimitedOverview
Pearl Finance Limited is a live company located in london, N3 1XW with a Companies House number of 13806371. It operates in the credit granting by non-deposit taking finance houses and other specialist consumer credit grantors sector, SIC Code 64921. Founded in December 2021, it's largest shareholder is
delph group holdings limited
with a 100% stake. Pearl Finance Limited is a startup,
micro sized company, Pomanda has estimated its turnover at
£346.7k with
unknown
growth in recent years.
Pomanda's financial health check has awarded Pearl Finance Limited a 3 rating. We use a traffic light system to show it exceeds the industry average on 2 measures and has 6 areas for improvement. Company Health Check FAQs
Health Rating3out of 5
2 Strong
2 Regular
6 Weak
Size
annual sales of £346.7k, make it smaller than the average company (£16.1m)
£346.7k - Pearl Finance Limited
£16.1m - Industry AVG
Growth
There is insufficient data available for this Key Performance Indicator!
- - Pearl Finance Limited
- - Industry AVG
Production
with a gross margin of 17%, this company has a comparable cost of product (17%)
17% - Pearl Finance Limited
17% - Industry AVG
Profitability
an operating margin of -40.3% make it less profitable than the average company (5.3%)
-40.3% - Pearl Finance Limited
5.3% - Industry AVG
Employees
with 1 employees, this is below the industry average (16)
1 - Pearl Finance Limited
16 - Industry AVG
Pay Structure
on an average salary of £65.2k, the company has an equivalent pay structure (£65.2k)
£65.2k - Pearl Finance Limited
£65.2k - Industry AVG
Efficiency
resulting in sales per employee of £346.7k, this is less efficient (£425.3k)
£346.7k - Pearl Finance Limited
£425.3k - Industry AVG
Debtor Days
There is insufficient data available for this Key Performance Indicator!
- - Pearl Finance Limited
- - Industry AVG
Creditor Days
its suppliers are paid after 32 days, this is quicker than average (155 days)
32 days - Pearl Finance Limited
155 days - Industry AVG
Stock Days
it holds stock equivalent to 77 days, this is more than average (14 days)
77 days - Pearl Finance Limited
14 days - Industry AVG
Cash Balance
has cash to cover current liabilities
for 90 weeks, this is more cash available to meet short term requirements (5 weeks)
90 weeks - Pearl Finance Limited
5 weeks - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 4.3%, this is a lower level of debt than the average (100%)
4.3% - Pearl Finance Limited
100% - Industry AVG
PEARL FINANCE LIMITED financials
EXPORT
Pearl Finance Limited's latest turnover from December 2023 is estimated at £346.7 thousand and the company has net assets of £92.3 million. According to their latest financial statements, we estimate that Pearl Finance Limited has 1 employee and maintains cash reserves of £7.3 million as reported in the balance sheet.
Data source:Companies House, Pomanda Estimates
Dec 2023
Jul 2022
Turnover
346,700
1,844,523
Other Income Or Grants
Cost Of Sales
287,911
1,488,001
Gross Profit
58,788
356,522
Admin Expenses
198,422
-113,100,489
Operating Profit
-139,634
113,457,011
Interest Payable
Interest Receivable
618,713
101,854
Pre-Tax Profit
479,079
113,558,865
Tax
-119,770
-21,576,184
Profit After Tax
359,309
91,982,681
Dividends Paid
Retained Profit
359,309
91,982,681
Employee Costs
65,237
368,353
Number Of Employees
1
6
EBITDA*
-119,952
113,463,082
* Earnings Before Interest, Tax, Depreciation and Amortisation
Dec 2023
Jul 2022
Tangible Assets
55,395
75,077
Intangible Assets
Investments & Other
400
400
Debtors (Due After 1 year)
81,356,303
60,715,119
Total Fixed Assets
81,412,098
60,790,596
Stock & work in progress
61,160
1,203,104
Trade Debtors
Group Debtors
738,810
194,219
Misc Debtors
7,020,501
23,713,210
Cash
7,273,300
16,296,706
misc current assets
total current assets
15,093,771
41,407,239
total assets
96,505,869
102,197,835
Bank overdraft
Bank loan
Trade Creditors
25,661
9,931
Group/Directors Accounts
4,569,625
other short term finances
hp & lease commitments
other current liabilities
4,138,217
5,625,597
total current liabilities
4,163,878
10,205,153
loans
hp & lease commitments
Accruals and Deferred Income
other liabilities
provisions
10,000
total long term liabilities
10,000
total liabilities
4,163,878
10,215,153
net assets
92,341,991
91,982,682
total shareholders funds
92,341,991
91,982,682
Dec 2023
Jul 2022
Operating Activities
Operating Profit
-139,634
113,457,011
Depreciation
19,682
6,071
Amortisation
Tax
-119,770
-21,576,184
Stock
-1,141,944
1,203,104
Debtors
4,493,066
84,622,548
Creditors
15,730
9,931
Accruals and Deferred Income
-1,487,380
5,625,597
Deferred Taxes & Provisions
-10,000
10,000
Cash flow from operations
-5,072,494
11,706,774
Investing Activities
capital expenditure
-81,148
Change in Investments
400
cash flow from investments
-81,548
Financing Activities
Bank loans
Group/Directors Accounts
-4,569,625
4,569,625
Other Short Term Loans
Long term loans
Hire Purchase and Lease Commitments
other long term liabilities
share issue
1
interest
618,713
101,854
cash flow from financing
-3,950,912
4,671,480
cash and cash equivalents
cash
-9,023,406
16,296,706
overdraft
change in cash
-9,023,406
16,296,706
pearl finance limited Credit Report and Business Information
Very Low Risk70 - 100
Low Risk50 - 70
Moderate Risk30 - 50
High Risk20 - 30
Very High Risk0 - 20
Get a comprehensive credit check for pearl finance limited. Get real-time insights into pearl finance limited's credit score, group structure and payment trends.
Perform a competitor analysis for pearl finance limited by selecting its closest rivals, whether from the FINANCIAL AND INSURANCE ACTIVITIES sector, other micro companies, companies in N 3 area or any other competitors across 12 key performance metrics.
A charge, or mortgage, refers to the rights a company gives to a lender in return for a loan, often in the form of security given over business assets.
We did not find charges/mortgages relating to pearl finance limited.
pearl finance limited Capital Raised & Share Issues BETA
When a company issues new shares, e.g. to new investors following a funding round, it is required to notify Companies House within one month of making an allotment of shares.
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pearl finance limitedCompanies House Filings - See Documents
