Kancelaria Prawna-Inkaso WEC Spólka Akcyjna (WSE:KPI) Shares Slammed 29% But Getting In Cheap Might Be Difficult Regardless
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Polish (WIG) Consumer Finance Industry Analysis
UpdatedMay 23, 2025
DataAggregated Company Financials
Companies8
- 7D-3.0%
- 3M-8.6%
- 1Y-12.4%
- YTDn/a
Over the last 7 days, the Consumer Finance industry has dropped 3.6%, driven by a pullback from KRUK Spólka Akcyjna of 3.3%. On the other hand FON is actually up 19%. Overall the industry is down 14% in 12 months. Looking forward, earnings are forecast to grow by 6.3% annually.
Industry Valuation and Performance
Has the Polish Consumer Finance Industry valuation changed over the past few years?
| Date | Market Cap | Revenue | Earnings | PE | Absolute PE | PS |
|---|---|---|---|---|---|---|
| Fri, 23 May 2025 | zł7.8b | zł2.3b | zł996.3m | 7.7x | 7.8x | 3.3x |
| Sun, 20 Apr 2025 | zł7.5b | zł2.2b | zł1.1b | 8x | 6.9x | 3.3x |
| Tue, 18 Mar 2025 | zł8.1b | zł2.2b | zł1.1b | 18.2x | 7.5x | 3.6x |
| Thu, 13 Feb 2025 | zł8.8b | zł2.1b | zł1.2b | 18x | 7.4x | 4.2x |
| Sat, 11 Jan 2025 | zł8.4b | zł2.1b | zł1.2b | 8.7x | 7x | 4x |
| Mon, 09 Dec 2024 | zł8.6b | zł2.1b | zł1.2b | 8.3x | 7.2x | 4.1x |
| Wed, 06 Nov 2024 | zł8.3b | zł2.1b | zł1.2b | 7.4x | 7x | 3.9x |
| Fri, 04 Oct 2024 | zł8.6b | zł2.0b | zł1.1b | 8.1x | 8.1x | 4.2x |
| Sun, 01 Sep 2024 | zł8.7b | zł2.5b | zł1.1b | 8x | 8.2x | 3.5x |
| Tue, 30 Jul 2024 | zł8.7b | zł1.9b | zł1.1b | 7.8x | 8x | 4.6x |
| Thu, 27 Jun 2024 | zł8.9b | zł1.9b | zł1.1b | 7.8x | 8.1x | 4.6x |
| Sat, 25 May 2024 | zł8.9b | zł1.9b | zł1.1b | 8.2x | 8.1x | 4.6x |
| Mon, 22 Apr 2024 | zł8.4b | zł1.8b | zł991.6m | 8.9x | 8.5x | 4.6x |
| Wed, 20 Mar 2024 | zł8.3b | zł1.8b | zł1.0b | 8.3x | 8.2x | 4.5x |
| Fri, 16 Feb 2024 | zł8.6b | zł1.8b | zł888.9m | 9.6x | 9.7x | 4.9x |
| Sun, 14 Jan 2024 | zł9.5b | zł1.8b | zł899.4m | 8.6x | 10.5x | 5.4x |
| Tue, 12 Dec 2023 | zł9.1b | zł1.8b | zł898.8m | 9.8x | 10.2x | 5.2x |
| Thu, 09 Nov 2023 | zł9.0b | zł1.7b | zł852.4m | 8.4x | 10.6x | 5.3x |
| Sat, 07 Oct 2023 | zł7.9b | zł1.7b | zł852.5m | 7.7x | 9.3x | 4.7x |
| Mon, 04 Sep 2023 | zł8.0b | zł1.7b | zł852.2m | 7.3x | 9.4x | 4.7x |
| Wed, 02 Aug 2023 | zł8.5b | zł1.6b | zł803.3m | 8x | 10.6x | 5.3x |
| Fri, 30 Jun 2023 | zł7.8b | zł1.6b | zł802.3m | 7.1x | 9.8x | 4.9x |
| Sun, 28 May 2023 | zł7.5b | zł1.6b | zł803.5m | 6x | 9.3x | 4.6x |
| Tue, 25 Apr 2023 | zł7.6b | zł1.5b | zł812.7m | 6.2x | 9.3x | 4.9x |
| Thu, 23 Mar 2023 | zł5.9b | zł1.5b | zł812.7m | 5.7x | 7.2x | 3.9x |
| Sat, 18 Feb 2023 | zł6.7b | zł1.4b | zł812.7m | 6.8x | 8.2x | 4.6x |
| Mon, 16 Jan 2023 | zł6.3b | zł1.4b | zł812.7m | 6.4x | 7.8x | 4.4x |
| Wed, 14 Dec 2022 | zł5.7b | zł1.4b | zł812.7m | 8x | 7x | 4x |
| Fri, 11 Nov 2022 | zł5.5b | zł1.4b | zł805.4m | 9.9x | 6.8x | 3.8x |
| Sun, 09 Oct 2022 | zł4.8b | zł1.3b | zł787.1m | 8.3x | 6.1x | 3.6x |
| Tue, 06 Sep 2022 | zł5.6b | zł1.3b | zł810.6m | 9.5x | 6.9x | 4.4x |
| Thu, 04 Aug 2022 | zł5.1b | zł1.3b | zł810.5m | 9.2x | 6.2x | 4x |
| Sat, 02 Jul 2022 | zł4.7b | zł1.3b | zł810.3m | 10x | 5.8x | 3.7x |
| Mon, 30 May 2022 | zł5.2b | zł1.3b | zł813.2m | 8x | 6.4x | 4.1x |
Price to Earnings Ratio
6.4x
Current Industry PE
- Investors are relatively neutral on the Polish Consumer Finance industry at the moment, indicating that they anticipate long term growth rates to remain steady.
- The industry is trading close to its 3-year average PE ratio of 8.1x.
- The 3-year average PS ratio of 4.4x is higher than the industry's current PS ratio of 3.3x.
Past Earnings Growth
- The earnings for companies in the Consumer Finance industry have grown 7.0% per year over the last three years.
- Revenues for these companies have grown 23% per year.
- This means that more sales are being generated by these companies overall, and subsequently their profits are increasing too.
Industry Comparison
How does Polish Consumer Finance compare with similar industries?
| PL Market | -2.32% | |
| Financials | -3.00% | |
| Consumer Finance | -2.99% | |
| Consumer Finance | -2.99% | |
Industry PEThere are no additional sub-industries under this industry.
Forecasted GrowthThere are no additional sub-industries under this industry.
Top Stock Gainers and Losers
Which companies have driven the market over the last 7 days?
| Company | Last Price | 7D | 1Y | Valuation | |
|---|---|---|---|---|---|
| FON FON | zł1.19 | 19.0% +zł12.3m | 448.9% | PE42.7x | |
| FEM Femion Technology | zł0.90 | 19.3% +zł4.0m | 11.9% | PE7.7x | |
| INS Indos | zł3.70 | 1.1% +zł285.1k | -2.6% | PE6.9x | |
| KPI Kancelaria Prawna-Inkaso WEC Spólka Akcyjna | zł2.04 | 1.0% +zł197.6k | -23.3% | PE20x |