Category: Case study
Business Valuation Services for the Financial Services Sector
HLB HAMT Team
HLB HAMT Team
At HLB HAMT, we provide accurate and objective valuation services to financial services companies across the UAE. Our work supports a range of needs including investor reporting, regulatory submissions, restructuring, and shareholder transactions. With experience across banking, fintech, remittance, trading, and brokerage firms, we deliver clear, well-supported valuation reports tailored to each business’s structure and purpose.
Whether you’re preparing for investor discussions, regulatory compliance, or shareholder transactions, HLB HAMT offers expert valuation services tailored to the unique needs of financial services companies.
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At HLB HAMT, we support healthcare businesses in the UAE with reliable business valuation services tailored to their specific operational and strategic needs. Our valuations have assisted clients across the sector—including clinics, diagnostics providers, medical suppliers, and healthcare marketers—with equity investment presentations, shareholder settlements, and regional expansion planning.
Whether you’re preparing for investor discussions, shareholder settlements, or strategic growth, HLB HAMT offers expert valuation services tailored to the unique needs of healthcare businesses.
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At HLB HAMT, we support food and beverage businesses in the UAE and wider region with reliable business valuation services tailored to their operational scale and strategic objectives. Our valuations have helped clients in manufacturing, catering, and artisanal production with investment planning, internal assessments, and shareholder decision-making.
HLB HAMT delivers tailored valuation solutions to meet your business goals. Get in touch with us today to discuss your valuation needs in the F&B industry.
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Get in touch with HLB HAMT to discuss your manufacturing business’s valuation needs.
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Enterprise values ranged from AED 10M to AED 35M, reflecting the diverse scale of the education businesses we supported.
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We handled enterprise values ranging from AED 10 million to AED 70 million, showcasing our expertise across logistics businesses of varying scale and complexity.
For professional business valuation services tailored for the logistics sector, contact HLB HAMT today!
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We had carried out a comprehensive business valuation for a boutique car rental company based in Dubai. The company was about 2 years old and operated from a large service area in a prominent location and offered three core services: car rental, vintage car sales, and vehicle detailing. The business had differentiated itself in the market by offering a unique fleet of over 25 vehicles, including classic retro cars, futuristic electric vehicles, and high-performance premium models.
Beyond rentals, the company also provided detailing services, such as scheduled maintenance, interior and exterior restoration, car wrapping, and tinting. This comprehensive approach aimed to ensure quality and customer satisfaction across all verticals.
The primary objective of the business valuation was to determine the enterprise value of the boutique car rental company to facilitate informed strategic decision-making regarding funding, future expansion, and potential engagement with investors. The valuation process considered two financing structures: a fully investor-funded model and a hybrid equity-debt structure. Both options were presented to the client within a dynamic Excel financial model. Ultimately, the hybrid structure was selected for valuation purposes, incorporating an assumption of 60% equity and 40% debt financing to optimize the financial strategy moving forward.
The valuation was conducted using the Discounted Cash Flow (DCF) method, a robust approach that involved projecting unlevered free cash flows over a five-year period. This methodology allows for a comprehensive understanding of the business’s future financial performance. The projected cash flows were then discounted using the Weighted Average Cost of Capital (WACC) to calculate the present value of the enterprise.
As part of the valuation process, HLB HAMT prepared detailed revenue and cost forecasts, including:
Based on HLB HAMT’s Discounted Cash Flow (DCF) analysis and the strategic assumptions provided by management, the enterprise value of the boutique car rental company was accurately assessed under the selected financing mix of 60% equity and 40% debt. Additionally, a sensitivity analysis was conducted, examining key variables such as the Weighted Average Cost of Capital (WACC) and the terminal growth rate. This analysis enabled us to understand the potential valuation range under varying market conditions.
HLB HAMT’s valuation exercise revealed the strong growth potential of the company, driven by its unique service offerings and strategic positioning within the competitive car rental market. The robust financial outlook and compelling business model positioned the company as an attractive opportunity for investors, particularly within the chosen equity-debt funding structure. This case exemplifies how HLB HAMT’s data-driven valuation approach can provide critical insights to enhance business strategy and inform stakeholder decision-making
Are you prepared to evaluate your business’s true worth and attract potential investors? Partner with HLB HAMT for expert valuation services that facilitate informed decision-making and strategic growth. Contact us today to get started!
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The client is a prominent manufacturing company specializing in the production of various goods. They maintain significant inventory levels, including packing materials, spares, and consumables, which are essential for their production processes.
As part of a thorough internal audit exercise, a physical inventory count was conducted for packing materials, spares, and consumables at one of the client’s manufacturing facilities. The inventory was valued at over AED 20 million, highlighting its significance in the client’s production processes. The audit employed a stratified sampling method, covering approximately 10% of the total inventory by value through both “Sheet to Floor” and “Floor to Sheet” verification techniques.
During the audit, variances were identified in about 13% of the sample. In response to these findings, the sample size was increased, and the discrepancies were individually reconciled in collaboration with management. This exercise not only provided valuable insights into the inventory management practices but also allowed the client to address key issues for improvement.
Key Findings in the Internal Audit Exercise
Several materials, including Free-of-Charge (FOC) items, were found to lack proper material codes. By the conclusion of the audit, the auditees had ensured that these items were correctly coded and updated in the system, improving inventory traceability.
It was observed that numerous materials were stored in locations that differed from those recorded in the system. Plant management attributed this discrepancy to space constraints but recognized the necessity for better alignment between physical storage and system records.
The audit revealed that expired items were still being listed as active inventory. While pending disposal approval from authorities was noted, there was a lack of follow-up on these approvals, resulting in continued inventory inaccuracies.
Surveillance systems exhibited incomplete coverage of the inventory areas. Although additional cameras had recently been installed, significant gaps remained in monitoring critical locations.
Certain materials located in the open cable yard were not adequately protected, leaving them vulnerable to environmental damage. This highlighted an urgent need for improved material protection strategies to mitigate potential losses.
Following the audit, our team collaborated closely with the client’s management to develop effective and practical solutions for the identified issues.
HLB HAMT’s audit provided valuable support to the client by enhancing their inventory management practices. The emphasis on accurate tracking improved accountability, while regular reviews ensured better alignment between physical inventory and system records. Timely procedures for handling expired materials ensured compliance and helped to maintain the accuracy of inventory records. Strengthened security measures, including improved CCTV coverage, reduced the risk of theft and damage. Overall, HLB HAMT’s collaborative approach empowered the client to effectively address inventory challenges and foster a culture of continuous improvement.
Is your organization in need of a comprehensive internal audit? Don’t hesitate to reach out to HLB HAMT! Our experienced team can help you identify opportunities for improvement, enhance compliance, and strengthen your operations.
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The client is a manufacturing company committed to optimizing its procurement practices to enhance cost efficiency and operational effectiveness. Through the internal audit, the client aims to address inconsistencies and strengthen vendor selection criteria in its procurement to pay (P2P) cycle.
Before engaging HLB HAMT, the client faced significant challenges in their procurement to pay (P2P) cycle. An internal audit revealed inconsistencies in the rates at which identical materials were procured from various suppliers over time. This review, based on the purchase register and available item descriptions, highlighted gaps in the data, as some descriptions were incomplete, which limited the depth of analysis. These issues underscored the need for a comprehensive evaluation of the client’s procurement practices to enhance efficiency and cost-effectiveness.
Over a six-month implementation period, HLB HAMT collaborated closely with the client to effectively execute the recommendations. This partnership resulted in improved transparency, enhanced cost efficiency, and greater consistency in procurement practices. As a direct outcome of these efforts, the client achieved a significant reduction in buying prices by approximately 15% before the next audit. Overall, HLB HAMT’s collaborative approach empowered the client to optimize their procurement processes, leading to substantial cost savings.
Is your organization ready to improve its internal processes and enhance operational efficiency? Connect with HLB HAMT today to discover how our comprehensive internal audit services can help identify areas for improvement and drive significant results.
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Start the conversationMidhun Menon P
Phone:- +971 4 327 7775
Mobile:- +971 52 830 7998
WhatsApp:- +971 56 219 1607
Email:- dubai@hlbhamt.com
Regardless of their size or location, most financial organizations manually match transactions and submit journals to complete bank reconciliations. Problems with bank reconciliation are not influenced by the size of the organization, yet numerous mid-sized businesses have trouble balancing their books. Reconciliation is challenging for them mostly because of the variety of accounts and institutions they work with, as well as the different payment methods and time zones. The same holds true for the bills. Numerous human errors are caused by the volume of received purchase orders and the number of entries in each order that need to be reconciled.
The Client:- The client is a financial institution based in Dubai, UAE
For our client, the clients and cash flows are complex & tedious as it is from various sources and banks. The staff had to spend longer work hours on the manual reconciliation, which was a tedious, time-consuming, monotonous task. It was also prone to human errors creeping in during the manual entry during the reconciliation process. Errors such as date & time discrepancies, and duplicate entries were also a huge issue, this of course led to delays in work and in one case almost led to a loss of reputation with a client. There were also multiple transactions to handle on a single invoice, which led to further delays.
Finding information about the funds received and spent to balance the final figures is made possible by automating reconciliation. By comparing payment information with bank data, RPA helps to automate this procedure. The accounts are said to be reconciled if the details line up. When there are differences in the data, RPA sends the records back for additional verification.
These are the major features of the project we did for the client:
Month-end reporting in real time
94% less time spent on human work
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