Company Valuation: Fintech S.A.

Data adjusted to current consolidation scope
Fiscal Period: December 2019 2020 2021 2022 2023 2024
Market Cap 1 13.15 97.89 109.6 65.75 91.32 6.392
Change - 644.44% 11.94% -40% 38.89% -93%
Enterprise Value (EV) 1 9.305 94.32 106.2 64.76 92.49 10.08
Change - 913.68% 12.56% -39% 42.82% -89.1%
P/E 51.2x -392x -260x 111x 24.2x 105x
PBR 1.94x 15.2x 18.3x 9.78x 8.71x 0.64x
PEG - 2x -3.8x -0x 0x -1.1x
Capitalization / Revenue 7.14x 61.4x 79.5x 5.67x 2.11x 0.46x
EV / Revenue 5.05x 59.1x 77.1x 5.59x 2.14x 0.72x
EV / EBITDA 37.3x -412x -265x 96.1x 17.3x 5.29x
EV / EBIT 38.5x -368x -240x 104x 19.1x 19.1x
EV / FCF -16.5x -1,036x 303x -18.8x -45x -47.1x
FCF Yield -6.05% -0.1% 0.33% -5.33% -2.22% -2.12%
Dividend per Share 2 - - - - - -
Rate of return - - - - - -
EPS 2 0.003513 -0.003421 -0.005761 0.0081 0.0516 0.000833
Distribution rate - - - - - -
Net sales 1 1.843 1.595 1.378 11.59 43.25 14.01
EBITDA 1 0.2495 -0.2291 -0.4006 0.6737 5.355 1.906
EBIT 1 0.2415 -0.2562 -0.4425 0.6208 4.833 0.5273
Net income 1 0.2567 -0.2499 -0.4209 0.5984 3.767 0.0609
Net Debt 1 -3.844 -3.566 -3.407 -0.9847 1.177 3.688
Reference price 2 0.1800 1.3400 1.5000 0.9000 1.2500 0.0875
Nbr of stocks (in thousands) 73,052 73,052 73,052 73,052 73,052 73,052
Announcement Date 20/03/20 21/03/21 21/03/22 31/05/23 31/05/24 02/06/25
1PLN in Million2PLN
Estimates


P/E (Y) EV / Sales (Y) EV / EBITDA (Y) Dividend Yield (Y) Capi.($)
- - - - 4.87M
13.49x - - 4.53% 175B
12.3x2.92x10.51x1.21% 128B
14.62x1.78x - 5.61% 104B
19.76x3.45x12.13x2.19% 81.15B
26.76x4.19x12.89x1.23% 57.96B
18.74x3.88x11.43x1.18% 57.16B
8.94x1.34x - 1.94% 34.14B
10.57x0.66x - 3.77% 34.1B
17.35x2.97x10.66x1.31% 26.8B
Average 15.84x 2.65x 11.52x 2.55% 69.86B
Weighted average by Cap. 15.49x 2.77x 11.44x 2.98%

Y-o-Y evolution of P/E

Historical PBR trend

Evolution Enterprise Value / Sales

Change in Enterprise Value/EBITDA


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  4. Valuation Fintech S.A.