Stock PBF PBS FINANSE S.A.
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Financials PBS Finanse S.A.

Equities

PBF

PLBEFSN00010

Consumer Lending

Market Closed - Warsaw S.E.
Other stock markets
 11:55:40 2024-04-30 am EDT 		5-day change 1st Jan Change
1.33 PLN -.--% Intraday chart for PBS Finanse S.A. +9.92% +31.68%
2023 PBS Finanse S.A. Reports Earnings Results for the Nine Months Ended September 30, 2023 CI
2023 PBS Finanse S.A. Reports Earnings Results for the Half Year Ended June 30, 2023 CI

Valuation

Fiscal Period: December 2016 2017 2018 2019 2020 2021
Capitalization 1 16.62 5.749 2.404 1.881 3.157 2.968
Enterprise Value (EV) 1 13.17 3.873 -0.487 -5.703 -2.026 -1.728
P/E ratio 140 x -1.22 x -0.85 x -0.25 x -0.97 x -13.8 x
Yield - - - - - -
Capitalization / Revenue 1.69 x 1.65 x 0.68 x 0.99 x 11.2 x 2.55 x
EV / Revenue 1.34 x 1.11 x -0.14 x -2.99 x -7.19 x -1.49 x
EV / EBITDA -34.9 x -1.97 x 0.24 x 2.57 x 0.89 x 2.33 x
EV / FCF -20.4 x 3.42 x 0.77 x 6.28 x 2.07 x 2.02 x
FCF Yield -4.9% 29.3% 129% 15.9% 48.4% 49.4%
Price to Book 0.67 x 0.28 x 0.14 x 0.15 x 0.35 x 0.33 x
Nbr of stocks (in thousands) 10,452 10,452 10,452 10,452 10,452 10,452
Reference price 2 1.590 0.5500 0.2300 0.1800 0.3020 0.2840
Announcement Date 4/7/17 4/27/18 4/30/19 4/30/20 11/29/22 11/29/22
1PLN in Million2PLN
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2016 2017 2018 2019 2020 2021
Net sales 1 9.854 3.482 3.538 1.905 0.282 1.162
EBITDA 1 -0.377 -1.963 -2.045 -2.217 -2.279 -0.74
EBIT 1 -0.735 -2.299 -2.28 -2.421 -2.365 -0.789
Operating Margin -7.46% -66.03% -64.44% -127.09% -838.65% -67.9%
Earnings before Tax (EBT) 1 0.296 -4.181 -3.151 -6.929 -3.803 -0.215
Net income 1 0.119 -4.698 -2.835 -7.398 -3.242 -0.215
Net margin 1.21% -134.92% -80.13% -388.35% -1,149.65% -18.5%
EPS 2 0.0114 -0.4495 -0.2712 -0.7078 -0.3102 -0.0206
Free Cash Flow 1 -0.6456 1.134 -0.629 -0.9084 -0.9801 -0.8541
FCF margin -6.55% 32.56% -17.78% -47.68% -347.56% -73.5%
FCF Conversion (EBITDA) - - - - - -
FCF Conversion (Net income) - - - - - -
Dividend per Share - - - - - -
Announcement Date 4/7/17 4/27/18 4/30/19 4/30/20 11/29/22 11/29/22
1PLN in Million2PLN
Estimates

Balance Sheet Analysis

Fiscal Period: December 2016 2017 2018 2019 2020 2021
Net Debt 1 - - - - - -
Net Cash position 1 3.45 1.88 2.89 7.58 5.18 4.7
Leverage (Debt/EBITDA) - - - - - -
Free Cash Flow 1 -0.65 1.13 -0.63 -0.91 -0.98 -0.85
ROE (net income / shareholders' equity) 0.46% -20.1% -14.6% -46.8% -30.5% -2.38%
ROA (Net income/ Total Assets) -1.57% -5.42% -6.18% -7.94% -11.5% -4.63%
Assets 1 -7.572 86.74 45.89 93.12 28.22 4.644
Book Value Per Share 2 2.370 1.990 1.660 1.160 0.8700 0.8500
Cash Flow per Share 2 0.2500 0.0900 0.2700 0.4900 0.5000 0.4500
Capex - - - - - -
Capex / Sales - - - - - -
Announcement Date 4/7/17 4/27/18 4/30/19 4/30/20 11/29/22 11/29/22
1PLN in Million2PLN
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

Sector Other Consumer Lending

1st Jan change Capi.
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Other Consumer Lending
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