Stock 0OFT SOFIA COMMERCE-PAWN BROKERAGE AD
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Financials Sofia Commerce-Pawn Brokerage AD London S.E.

Equities

0OFT

BG1100053054

Consumer Lending

Delayed London S.E.
Other stock markets
 11:36:20 2018-05-22 am EDT 		5-day change 1st Jan Change
3.6 BGN +77.97% Intraday chart for Sofia Commerce-Pawn Brokerage AD -.--% -1.37%
Jan. 30 Sofia Commerce-Pawn Brokerage AD Reports Earnings Results for the Full Year Ended December 31, 2023 CI
2023 Sofia Commerce-Pawn Brokerage AD Reports Earnings Results for the Nine Months Ended September 30, 2023 CI

Valuation

Fiscal Period: December 2017 2018 2019 2020 2021 2022
Capitalization 1 8.103 7.77 14.55 15.24 16.67 25.38
Enterprise Value (EV) 1 7.068 6.01 12.34 12.42 16.37 28.16
P/E ratio 8.55 x 8.75 x 11.4 x 10.5 x 10.3 x 8.9 x
Yield 8.22% 10% 2.99% 6.9% - 5.63%
Capitalization / Revenue 1.49 x 1.41 x 2.18 x 2.33 x 2.64 x 3.02 x
EV / Revenue 1.3 x 1.09 x 1.85 x 1.9 x 2.59 x 3.35 x
EV / EBITDA - - - - - -
EV / FCF - - - - - -
FCF Yield - - - - - -
Price to Book 0.79 x 0.76 x 1.44 x 1.43 x 1.72 x 1.88 x
Nbr of stocks (in thousands) 8,880 8,880 8,689 8,406 8,133 8,937
Reference price 2 0.9125 0.8750 1.675 1.812 2.050 2.840
Announcement Date 2/28/18 4/30/19 8/3/20 4/29/21 4/29/22 4/23/23
1BGN in Million2BGN
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2017 2018 2019 2020 2021 2022
Net sales 1 5.435 5.526 6.684 6.534 6.323 8.401
EBITDA - - - - - -
EBIT - - - - - -
Operating Margin - - - - - -
Earnings before Tax (EBT) 1 1.189 1.141 1.628 1.728 2.331 3.369
Net income 1 1.069 1.019 1.46 1.553 2.093 3.031
Net margin 19.67% 18.44% 21.84% 23.77% 33.1% 36.08%
EPS 2 0.1068 0.1000 0.1472 0.1718 0.1998 0.3193
Free Cash Flow - - - - - -
FCF margin - - - - - -
FCF Conversion (EBITDA) - - - - - -
FCF Conversion (Net income) - - - - - -
Dividend per Share 2 0.0750 0.0875 0.0500 0.1250 - 0.1600
Announcement Date 2/28/18 4/30/19 8/3/20 4/29/21 4/29/22 4/23/23
1BGN in Million2BGN
Estimates

Balance Sheet Analysis

Fiscal Period: December 2017 2018 2019 2020 2021 2022
Net Debt 1 - - - - - 2.78
Net Cash position 1 1.04 1.76 2.21 2.81 0.3 -
Leverage (Debt/EBITDA) - - - - - -
Free Cash Flow - - - - - -
ROE (net income / shareholders' equity) 10.5% 9.97% 14.2% 14.7% 19.5% 25.1%
ROA (Net income/ Total Assets) 9.97% 9.33% 12.4% 12.5% 16.8% 19.3%
Assets 1 10.72 10.92 11.74 12.42 12.46 15.74
Book Value Per Share 2 1.150 1.160 1.160 1.270 1.190 1.510
Cash Flow per Share 2 0.1200 0.2000 0.3300 0.4000 0.1600 0.1300
Capex 1 0.02 0.04 0.01 0.01 0.02 0.02
Capex / Sales 0.29% 0.71% 0.18% 0.09% 0.33% 0.23%
Announcement Date 2/28/18 4/30/19 8/3/20 4/29/21 4/29/22 4/23/23
1BGN in Million2BGN
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

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Consumer Leasing
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