Financials Fintech S.A.

Equities

FTH

PLJRSDB00015

Multiline Insurance & Brokers

End-of-day quote Warsaw S.E. 23:00:00 13/06/2024 BST 5-day change 1st Jan Change
1.18 PLN 0.00% Intraday chart for Fintech S.A. 0.00% -5.60%

Valuation

Fiscal Period: December 2017 2018 2019 2020 2021 2022
Capitalization 1 0.3666 23.38 13.15 97.89 109.6 65.75
Enterprise Value (EV) 1 -6.158 19.08 9.305 94.32 106.2 64.76
P/E ratio -0.15 x 2,832 x 51.2 x -392 x -260 x 110 x
Yield - - - - - -
Capitalization / Revenue 7.45 x 27 x 7.14 x 61.4 x 79.5 x 5.67 x
EV / Revenue -125 x 22 x 5.05 x 59.1 x 77.1 x 5.59 x
EV / EBITDA 2.91 x -256 x 37.3 x -412 x -265 x 96.1 x
EV / FCF 2.7 x -8.33 x -16.5 x -1,036 x 303 x -18.8 x
FCF Yield 37.1% -12% -6.05% -0.1% 0.33% -5.33%
Price to Book 0.06 x 3.59 x 1.94 x 15.2 x 18.3 x 9.78 x
Nbr of stocks (in thousands) 940 73,052 73,052 73,052 73,052 73,052
Reference price 2 0.3900 0.3200 0.1800 1.340 1.500 0.9000
Announcement Date 16/03/18 31/05/19 20/03/20 21/03/21 21/03/22 31/05/23
1PLN in Million2PLN
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2017 2018 2019 2020 2021 2022
Net sales 1 0.0492 0.8657 1.843 1.595 1.378 11.59
EBITDA 1 -2.119 -0.0746 0.2495 -0.2291 -0.4006 0.6737
EBIT 1 -2.282 -0.0802 0.2415 -0.2562 -0.4425 0.6208
Operating Margin -4,635.56% -9.26% 13.1% -16.06% -32.13% 5.36%
Earnings before Tax (EBT) 1 -2.434 0.00829 0.2764 -0.2499 -0.4209 0.6002
Net income 1 -2.423 0.00829 0.2567 -0.2499 -0.4209 0.5984
Net margin -4,921.13% 0.96% 13.93% -15.67% -30.56% 5.16%
EPS 2 -2.577 0.000113 0.003513 -0.003421 -0.005761 0.008191
Free Cash Flow 1 -2.283 -2.289 -0.5625 -0.0911 0.3503 -3.45
FCF margin -4,636.33% -264.39% -30.52% -5.71% 25.43% -29.76%
FCF Conversion (EBITDA) - - - - - -
FCF Conversion (Net income) - - - - - -
Dividend per Share - - - - - -
Announcement Date 16/03/18 31/05/19 20/03/20 21/03/21 21/03/22 31/05/23
1PLN in Million2PLN
Estimates

Balance Sheet Analysis

Fiscal Period: December 2017 2018 2019 2020 2021 2022
Net Debt 1 - - - - - -
Net Cash position 1 6.52 4.3 3.84 3.57 3.41 0.98
Leverage (Debt/EBITDA) - - - - - -
Free Cash Flow 1 -2.28 -2.29 -0.56 -0.09 0.35 -3.45
ROE (net income / shareholders' equity) -64.8% 0.13% 3.86% -3.79% -6.77% 9.4%
ROA (Net income/ Total Assets) -31.3% -0.75% 2.26% -2.37% -4.33% 5.02%
Assets 1 7.747 -1.111 11.38 10.54 9.732 11.92
Book Value Per Share 2 6.920 0.0900 0.0900 0.0900 0.0800 0.0900
Cash Flow per Share 2 7.280 0.0600 0.0500 0.0500 0.0400 0.0100
Capex - - 0.08 0.39 0.14 -
Capex / Sales - - 4.34% 24.36% 10.47% -
Announcement Date 16/03/18 31/05/19 20/03/20 21/03/21 21/03/22 31/05/23
1PLN in Million2PLN
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

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