Header cover image

Polish (WIG) Consumer Finance Industry Analysis

UpdatedDec 02, 2021
DataAggregated Company Financials
Companies8
  • 7D6.1%
  • 3M15.3%
  • 1Y136.2%
  • YTD143.2%

Over the last 7 days, the Consumer Finance industry has risen 6.1%, driven by gains from KRUK Spólka Akcyjna of 6.2%. Meanwhile, BVT actually underperformed within the industry, shrinking 11% in the last week. This takes the industry's 12 month performance to a gain of 136%.

Industry Valuation and Performance

Has the Polish Consumer Finance Industry valuation changed over the past few years?

DateMarket CapRevenueEarningsPE
Sun, 05 Dec 2021zł6.8bzł1.2bzł610.3m16x
Tue, 02 Nov 2021zł6.3bzł1.1bzł493.1m20.5x
Thu, 30 Sep 2021zł6.2bzł1.1bzł483.0m12.3x
Sat, 28 Aug 2021zł5.6bzł1.1bzł476.2m11.1x
Sun, 04 Jul 2021zł4.9bzł1.1bzł476.2m9.6x
Wed, 07 Apr 2021zł3.6bzł1.2bzł250.7m12.9x
Sat, 09 Jan 2021zł2.8bzł1.2bzł55.7m33.1x
Fri, 02 Oct 2020zł2.6bzł1.3bzł40.7m29.7x
Mon, 06 Jul 2020zł2.1bzł1.3bzł66.8m24.5x
Thu, 09 Apr 2020zł1.3bzł1.3bzł101.4m7.4x
Wed, 01 Jan 2020zł3.2bzł1.3bzł262.7m11.5x
Sat, 05 Oct 2019zł2.9bzł1.3bzł250.0m9.7x
Tue, 09 Jul 2019zł3.5bzł1.3bzł300.6m11.3x
Mon, 01 Apr 2019zł2.9bzł1.3bzł327.0m14.5x
Thu, 03 Jan 2019zł3.0bzł1.2bzł322.7m9.2x
PE Ratio

9.2x

Total Market Cap: zł3.0bTotal Earnings: zł322.7mTotal Revenue: zł1.2b0%0%0%3 Year10 Year
20202021

Current Industry PE: Investors are relatively neutral on the industry at the moment, considering it's trading close to its 3-year average PE ratio of 16.5x. However, future earnings are expected to decline by 0.5% which could potentially cause the PE ratio to fall below its historical average.

Past Earnings Growth: The earnings for companies in the Consumer Finance industry have grown 24% per year over the last three years, while revenues have remained mostly flat. This means that companies overall are more efficiently conducting business since profits are increasing while sales have been flat.

Industry Trends

Which industries have driven the changes within the Polish Consumer Finance industry?

Consumer Finance6.14%

Industry PE: Investors are most optimistic about the Consumer Finance industry, which is trading close to its 3-year average PE ratio of 16.5x. However analysts are expecting annual earnings decline of 0.5%, which is lower than the prior year's growth of 398% per year. So the market might believe that analysts are underestimating future growth or they expect the Consumer Finance industry's earnings to deteriorate the least compared to other industries.

Forecasted Growth: Despite it being negative, analysts are least pessimistic on the Consumer Finance industry since they expect its earnings to decline by only 0.5% per year over the next 5 years, which isn't as bad as the other industries. However, this is a reversal from its past annual earnings growth rate of 398% per year.

Top Stock Gainers and Losers

Which companies have driven the market over the last 7 days?

Company7D1YValuation
KRU KRUK Spólka Akcyjna6.2%+zł389.8m138.5%PE10.9x
DTX DITIX17.5%+zł536.0k-18.4%PS4.1x
INS Indos1.7%+zł427.6k8.6%PE8.8x
WRL Wierzyciel12.5%+zł376.6k-13.5%PS3.4x
FEM Femion Technology0.5%+zł162.7k1,119.5%PS3.7x
Simply Wall St
Simply Wall Street Pty Ltd
17-21 Bellevue Street, Surry Hills, Sydney
Download on the App StoreGet it on Google Play
Simply Wall Street Pty Ltd (ACN 600 056 611), is a Corporate Authorised Representative (Authorised Representative Number: 467183) of Sanlam Private Wealth Pty Ltd (AFSL No. 337927). Any advice contained in this website is general advice only and has been prepared without considering your objectives, financial situation or needs. You should not rely on any advice and/or information contained in this website and before making any investment decision we recommend that you consider whether it is appropriate for your situation and seek appropriate financial, taxation and legal advice. Please read our Financial Services Guide before deciding whether to obtain financial services from us.

Latest News

INS

zł3.54

Indos

7D

1.7%

1Y

8.6%

BVT

zł0.51

BVT

7D

-11.4%

1Y

-39.5%

DTX

zł0.23

DITIX

7D

17.5%

1Y

-18.4%

FON

zł0.26

FON

7D

0.4%

1Y

132.1%

WRL

zł0.45

Wierzyciel

7D

12.5%

1Y

-13.5%

MRK

zł0.46

Marka

7D

-2.1%

1Y

n/a