Aankondiging • Feb 10
Fintech S.A. to Report Q4, 2025 Results on Feb 13, 2026 Fintech S.A. announced that they will report Q4, 2025 results on Feb 13, 2026 Aankondiging • Nov 13
Fintech S.A. to Report Q3, 2025 Results on Nov 14, 2025 Fintech S.A. announced that they will report Q3, 2025 results on Nov 14, 2025 Reported Earnings • Aug 19
Second quarter 2025 earnings released Second quarter 2025 results: Revenue: zł410.7k (down 90% from 2Q 2024). Net loss: zł476.0k (down zł523.4k from profit in 2Q 2024). New Risk • Aug 12
New major risk - Share price stability The company's share price has been highly volatile over the past 3 months. It is more volatile than 90% of Polish stocks, typically moving 11% a week. This is considered a major risk. Share price volatility increases the risk of potential losses in the short-term as the stock tends to have larger drops in price more frequently than other stocks. It may also indicate the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. Currently, the following risks have been identified for the company: Major Risks Share price has been highly volatile over the past 3 months (11% average weekly change). Market cap is less than US$10m (zł6.71m market cap, or US$1.84m). Minor Risk Revenue is less than US$5m (zł14m revenue, or US$3.7m). Reported Earnings • May 19
First quarter 2025 earnings released First quarter 2025 results: Revenue: zł3.06m (down 11% from 1Q 2024). Net income: zł76.2k (down 50% from 1Q 2024). Profit margin: 2.5% (down from 4.5% in 1Q 2024). The decrease in margin was driven by lower revenue. Over the last 3 years on average, earnings per share has increased by 73% per year but the company’s share price has fallen by 61% per year, which means it is significantly lagging earnings. New Risk • Feb 19
New minor risk - Revenue size The company makes less than US$5m in revenue. Total revenue: zł18m (US$4.4m) This is considered a minor risk. Companies with a small amount of revenue are most likely businesses that have not yet released a product to market or are simply a very small company without a wide reach. Either way, risk is elevated with these companies because there is a chance the product may not come to fruition or the company's addressable market or demand may not be as large as expected. In addition, if the company's size is the main factor, it is less likely to have many investors and analysts following it and scrutinizing its performance and outlook. Currently, the following risks have been identified for the company: Major Risks Share price has been highly volatile over the past 3 months (29% average weekly change). Market cap is less than US$10m (zł5.77m market cap, or US$1.44m). Minor Risk Revenue is less than US$5m (zł18m revenue, or US$4.4m). New Risk • Nov 26
New minor risk - Profit margin trend The company's profit margins are lower than last year and have reduced by more than 30%. Net profit margin: 5.2% Last year net profit margin: 9.3% This is considered a minor risk. A large drop in profit margin could indicate the company does not have strong competitive advantages or it is yet to establish itself and its core business. Even if it is a well established business, this may make it a much riskier investment than one that has a combination of proven competitive advantages and a stable or growing profit margin. Currently, the following risks have been identified for the company: Major Risks Share price has been highly volatile over the past 3 months (39% average weekly change). High level of non-cash earnings (46% accrual ratio). Market cap is less than US$10m (zł7.60m market cap, or US$1.85m). Minor Risk Profit margins are more than 30% lower than last year (5.2% net profit margin). New Risk • Nov 21
New major risk - Market cap size The company's market capitalization is less than US$10m. Market cap: zł7.38m (US$1.78m) This is considered a major risk. Companies with a small market capitalization are most likely businesses that have not yet released a product to market or are simply a very small company without a wide reach. Either way, risk is elevated with these companies because there is a chance the product may not come to fruition or the company's addressable market or demand may not be as large as expected. In addition, if the company's size is the main factor, it is less likely to have many investors and analysts following it and scrutinizing its performance and outlook. Currently, the following risks have been identified for the company: Major Risks Share price has been highly volatile over the past 3 months (38% average weekly change). High level of non-cash earnings (109% accrual ratio). Market cap is less than US$10m (zł7.38m market cap, or US$1.78m). Valuation Update With 7 Day Price Move • Sep 12
Investor sentiment deteriorates as stock falls 17% After last week's 17% share price decline to zł1.40, the stock trades at a trailing P/E ratio of 48.5x. Average trailing P/E is 18x in the Software industry in Poland. Negligible returns to shareholders over past three years. Reported Earnings • Aug 17
Second quarter 2024 earnings released Second quarter 2024 results: Revenue: zł4.25m (down 62% from 2Q 2023). Net income: zł47.5k (down 99% from 2Q 2023). Profit margin: 1.1% (down from 28% in 2Q 2023). The decrease in margin was driven by lower revenue. Over the last 3 years on average, earnings per share has increased by 132% per year but the company’s share price has only increased by 2% per year, which means it is significantly lagging earnings growth. Valuation Update With 7 Day Price Move • Jul 29
Investor sentiment improves as stock rises 19% After last week's 19% share price gain to zł1.30, the stock trades at a trailing P/E ratio of 16.6x. Average trailing P/E is 19x in the Software industry in Poland. Total loss to shareholders of 21% over the past three years. Aankondiging • Jun 06
Fintech S.A., Annual General Meeting, Jun 29, 2024 Fintech S.A., Annual General Meeting, Jun 29, 2024. Reported Earnings • May 20
First quarter 2024 earnings released First quarter 2024 results: Revenue: zł3.44m (down 74% from 1Q 2023). Net income: zł153.3k (up zł1.42m from 1Q 2023). Profit margin: 4.5% (up from net loss in 1Q 2023). The move to profitability was driven by lower expenses. Over the last 3 years on average, earnings per share has increased by 128% per year but the company’s share price has fallen by 6% per year, which means it is significantly lagging earnings. Valuation Update With 7 Day Price Move • Apr 12
Investor sentiment deteriorates as stock falls 19% After last week's 19% share price decline to zł1.20, the stock trades at a trailing P/E ratio of 20.4x. Average trailing P/E is 24x in the Software industry in Poland. Total loss to shareholders of 27% over the past three years. Buy Or Sell Opportunity • Mar 11
Now 25% overvalued The stock has been flat over the last 90 days, currently trading at zł1.53. The fair value is estimated to be zł1.23, however this is not to be taken as a sell recommendation but rather should be used as a guide only. Revenue has grown by 103% over the last 3 years. Meanwhile, the company has become profitable. Valuation Update With 7 Day Price Move • Mar 04
Investor sentiment deteriorates as stock falls 19% After last week's 19% share price decline to zł1.26, the stock trades at a trailing P/E ratio of 21.5x. Average trailing P/E is 23x in the Software industry in Poland. Total loss to shareholders of 7.4% over the past three years. Reported Earnings • Feb 16
Full year 2023 earnings released: EPS: zł0.059 (vs zł0.008 in FY 2022) Full year 2023 results: EPS: zł0.059 (up from zł0.008 in FY 2022). Revenue: zł43.3m (up 273% from FY 2022). Net income: zł4.29m (up zł3.69m from FY 2022). Profit margin: 9.9% (up from 5.2% in FY 2022). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 118% per year but the company’s share price has only increased by 1% per year, which means it is significantly lagging earnings growth. Valuation Update With 7 Day Price Move • Feb 07
Investor sentiment improves as stock rises 30% After last week's 30% share price gain to zł1.38, the stock trades at a trailing P/E ratio of 61.4x. Average trailing P/E is 25x in the Software industry in Poland. Total loss to shareholders of 2.1% over the past three years. Valuation Update With 7 Day Price Move • Jan 10
Investor sentiment deteriorates as stock falls 16% After last week's 16% share price decline to zł1.09, the stock trades at a trailing P/E ratio of 48.5x. Average trailing P/E is 26x in the Software industry in Poland. Total loss to shareholders of 41% over the past three years. Aankondiging • Jan 07
Fintech S.A. to Report Q1, 2024 Results on May 15, 2024 Fintech S.A. announced that they will report Q1, 2024 results on May 15, 2024 Valuation Update With 7 Day Price Move • Nov 21
Investor sentiment deteriorates as stock falls 18% After last week's 18% share price decline to zł1.22, the stock trades at a trailing P/E ratio of 54.3x. Average trailing P/E is 22x in the Software industry in Poland. Total loss to shareholders of 24% over the past three years. Reported Earnings • Nov 18
Third quarter 2023 earnings released Third quarter 2023 results: Revenue: zł1.49m (up zł1.48m from 3Q 2022). Net loss: zł496.9k (loss widened zł449.3k from 3Q 2022). Buying Opportunity • Oct 02
Now 29% undervalued Over the last 90 days, the stock is up 54%. The fair value is estimated to be zł2.24, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 104% over the last 3 years. Earnings per share has grown by 57%. Valuation Update With 7 Day Price Move • Sep 28
Investor sentiment improves as stock rises 16% After last week's 16% share price gain to zł1.85, the stock trades at a trailing P/E ratio of 64.8x. Average trailing P/E is 23x in the Software industry in Poland. Total returns to shareholders of 54% over the past three years. Valuation Update With 7 Day Price Move • Sep 08
Investor sentiment improves as stock rises 24% After last week's 24% share price gain to zł1.99, the stock trades at a trailing P/E ratio of 69.7x. Average trailing P/E is 24x in the Software industry in Poland. Total returns to shareholders of 66% over the past three years. Buying Opportunity • Sep 01
Now 28% undervalued Over the last 90 days, the stock is up 57%. The fair value is estimated to be zł2.23, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 104% over the last 3 years. Earnings per share has declined by 4.5%. Reported Earnings • Aug 16
Second quarter 2023 earnings released Second quarter 2023 results: Revenue: zł11.1m (up 70% from 2Q 2022). Net income: zł3.12m (up zł2.77m from 2Q 2022). Profit margin: 28% (up from 5.4% in 2Q 2022). The increase in margin was driven by higher revenue. Aankondiging • Jun 13
Fintech S.A., Annual General Meeting, Jun 30, 2023 Fintech S.A., Annual General Meeting, Jun 30, 2023, at 09:00 Central European Standard Time. Reported Earnings • May 21
First quarter 2023 earnings released First quarter 2023 results: Revenue: zł13.0m (up zł12.5m from 1Q 2022). Net loss: zł1.26m (down zł1.28m from profit in 1Q 2022). Over the last 3 years on average, earnings per share has increased by 33% per year but the company’s share price has only increased by 25% per year, which means it is significantly lagging earnings growth. Reported Earnings • May 20
First quarter 2022 earnings released First quarter 2022 results: Revenue: zł527.2k (down 32% from 1Q 2021). Net income: zł14.3k (up zł173.4k from 1Q 2021). Profit margin: 2.7% (up from net loss in 1Q 2021). The move to profitability was driven by lower expenses. Is New 90 Day High Low • Jan 13
New 90-day high: zł1.84 The company is up 82% from its price of zł1.01 on 15 October 2020. The Polish market is up 19% over the last 90 days, indicating the company outperformed over that time. It also outperformed the Software industry, which is up 4.0% over the same period.