# EJF Investments Limited (EJFZ.L) fundamentals

Data as of 2026-11-04. LSE, United Kingdom. Sector: Financial Services / Capital Markets. Price 122p, market value 74 millionp.

## Valuation
- **P/E (trailing): 389.6×** (5-yr avg 13.8×, 3-yr avg 13.8×). EJF Investments Limited trades at 389.6× trailing earnings, well above its own five-year average of 13.8×: investors are paying up relative to the company's past. The Financial Services median in the September 2026 study was 13.1×.
- **Price / sales: 2.8×**. Each dollar of revenue is priced at 2.8×.
- **Price / book: 0.7×**. The shares trade below book value, which can signal a bargain or a balance sheet the market doubts.
- **EV / EBITDA: 6.3×**. Enterprise value is 6.3× operating earnings before depreciation, the multiple that ignores how the company is financed; below 8× is inexpensive for most sectors.
- **Free-cash-flow yield: 19.8%** (5-yr avg 29.4%). Free cash flow equals 19.8% of the market value, below its five-year average of 29.4%, so the shares are pricier on cash than usual. Above 5% is generally attractive.
- **Earnings yield: 0.3%**. The inverse of the P/E: 0.3% of the price is earned each year.

## Profitability
- **Gross margin: 100.0%**. EJF Investments Limited keeps 100.0% of revenue after the direct cost of what it sells, the kind of margin that comes with software, brands or pricing power.
- **Operating margin: 86.2%**. 86.2% of revenue is left after running the business, an exceptional level.
- **Net margin: 59.9%**. 59.9% of each dollar of sales reaches the bottom line.
- **Return on equity: 5.0%**. 5.0% on shareholders' equity is weak; the business earns little on the capital its owners have in it.
- **Return on invested capital: 19.9%**. Return on all capital, debt included, is 19.9%: comfortably above what that capital costs.
- **Return on assets: 16.4%**. Each dollar of assets produces 16.4% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): -36.7%** (3-yr -2.3%/yr, 5-yr 0.6%/yr). Revenue fell 36.7% over the last year, against 0.6% a year compounded over five years: growth is slowing.
- **EPS growth (1 yr): -47.7%** (3-yr -30.1%/yr). Earnings per share fell 47.7%, slower than revenue, so margins compressed.
- **Free-cash-flow growth (3 yr): 14.4%/yr**. Free cash flow has compounded at 14.4% a year over three years, keeping pace with earnings: the growth is real cash.

## Financial health
- **Piotroski F-score: 6/9**. 6 of 9 checks pass: mixed.
- **Cash and short-term investments: 615,462p**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend: none**. EJF Investments Limited does not currently pay a dividend, but it returned 6.2% of its market value through buybacks over the last year.

## Price and momentum
- **Total return (1 yr): 12.5%** (3-mo 3.1%). The shares are up 12.5% over twelve months including dividends.
- **From 52-week high: 0.0%** (11139.6% above the low). Trading within 5% of its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 58**. An RSI of 58 is neutral.
- **Beta (1 yr): 1.81**. Beta of 1.81 against the FTSE All-Share: the shares move much more than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=EJFZ.L · Page: https://foliofundamentals.com/stocks/ejfz.l

Not investment advice.