How does 1ZV's PS Ratio compare to its peers?

1ZV is expensive based on its Price-To-Sales Ratio (33.4x) compared to the peer average (4x).

How does 1ZV's PS Ratio compare vs other companies in the European Consumer Finance Industry?

1ZV is expensive based on its Price-To-Sales Ratio (33.4x) compared to the European Consumer Finance industry average (1.7x).

What is 1ZV's PS Ratio compared to its Fair PS Ratio? This is the expected PS Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

Insufficient data to calculate 1ZV's Price-To-Sales Fair Ratio for valuation analysis.

What is the Fair Price of 1ZV when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

1ZV (€0.08) is trading above our estimate of [[fair value]] (€0.07)

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

Insufficient data to show price forecast.

AmeriTrust Financial Technologies (DB:1ZV) - Stock Price, News & Analysis

1ZV Stock Overview

Develops, markets, and sells access to cloud-based transaction platforms to finance and lease new and used vehicles. More details

1ZV fundamental analysis
Snowflake Score
Valuation	0/6
Future Growth	0/6
Past Performance	0/6
Financial Health	2/6
Dividends	0/6

Risk Analysis

Earnings have declined by 24.7% per year over past 5 years

Negative shareholders equity

Shareholders have been substantially diluted in the past year

Highly volatile share price over the past 3 months compared to the German market

+ 2 more risks

AmeriTrust Financial Technologies Inc. Competitors

Multitude

XTRA:E4I

€97.1m

Eleving Group

DB:OT8

€190.9m

Effecten-Spiegel

BST:EFS3

€47.7m

Scherzer

XTRA:PZS

€66.5m

Price History & Performance

Summary of all time highs, changes and price drops for AmeriTrust Financial Technologies
Historical stock prices
Current Share Price	CA$0.077
52 Week High	CA$0.11
52 Week Low	CA$0.0005
Beta	1.91
11 Month Change	-11.61%
3 Month Change	327.22%
1 Year Change	1,608.89%
33 Year Change	-86.97%
5 Year Change	129.55%
Change since IPO	-41.74%

Recent updates

Shareholder Returns

	1ZV	DE Consumer Finance	DE Market
7D	4.3%	-0.7%	-0.4%
1Y	1,608.9%	13.3%	7.1%

Return vs Industry: 1ZV exceeded the German Consumer Finance industry which returned 13.6% over the past year.

Return vs Market: 1ZV exceeded the German Market which returned 7.8% over the past year.

Price Volatility

Is 1ZV's price volatile compared to industry and market?
1ZV volatility
1ZV Average Weekly Movement	23.0%
Consumer Finance Industry Average Movement	4.7%
Market Average Movement	4.8%
10% most volatile stocks in DE Market	11.0%
10% least volatile stocks in DE Market	2.4%

Stable Share Price: 1ZV's share price has been volatile over the past 3 months compared to the German market.

Volatility Over Time: 1ZV's weekly volatility has decreased from 910% to 23% over the past year, but is still higher than 75% of German stocks.

About the Company

Founded	Employees	CEO	Website
n/a	n/a	Jeff Morgan	www.ameritrust.com

AmeriTrust Financial Technologies Inc. develops, markets, and sells access to cloud-based transaction platforms to finance and lease new and used vehicles. The company provides DrivrzFinancial, a new and used vehicle leasing platform. The company was formerly known as Powerband Solutions Inc. and changed its name to AmeriTrust Financial Technologies Inc. in October 2024.

AmeriTrust Financial Technologies Inc. Fundamentals Summary

How do AmeriTrust Financial Technologies's earnings and revenue compare to its market cap?
1ZV fundamental statistics
Market cap	€56.62m
Earnings (TTM)	-€5.48m
Revenue (TTM)	€1.83m

33.4x

P/S Ratio

-11.2x

P/E Ratio

Is 1ZV overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
1ZV income statement (TTM)
Revenue	CA$2.70m
Cost of Revenue	CA$1.23m
Gross Profit	CA$1.47m
Other Expenses	CA$9.55m
Earnings	-CA$8.08m

Last Reported Earnings

Jun 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	-0.012
Gross Margin	54.61%
Net Profit Margin	-299.06%
Debt/Equity Ratio	-19.0%

How did 1ZV perform over the long term?

See historical performance and comparison

1ZV Stock Overview

Risk Analysis

AmeriTrust Financial Technologies Inc. Competitors

XTRA:E4I

€97.1m

DB:OT8

€190.9m

BST:EFS3

€47.7m

XTRA:PZS

€66.5m

Price History & Performance

Recent News & Updates

AmeriTrust Financial Technologies Inc. Announces Appointment of Troy Hocker to the Position of Chief Revenue Officer

Now 26% overvalued after recent price rise

Powerband Solutions Inc. announced that it has received CAD 10.8845 million in funding from Jpk Capital Holdings (Barbados) Inc

Now 23% undervalued

Powerband Solutions Inc. announced that it expects to receive CAD 10 million in funding

Second quarter 2024 earnings released: EPS: CA$0.002 (vs CA$0.035 loss in 2Q 2023)

Recent updates

AmeriTrust Financial Technologies Inc. Announces Appointment of Troy Hocker to the Position of Chief Revenue Officer

Now 26% overvalued after recent price rise

Powerband Solutions Inc. announced that it has received CAD 10.8845 million in funding from Jpk Capital Holdings (Barbados) Inc

Now 23% undervalued

Powerband Solutions Inc. announced that it expects to receive CAD 10 million in funding

Second quarter 2024 earnings released: EPS: CA$0.002 (vs CA$0.035 loss in 2Q 2023)

New major risk - Shareholder dilution

Powerband Solutions Inc., Annual General Meeting, Sep 18, 2024

New major risk - Shareholder dilution

Powerband Solutions Inc. announced that it has received CAD 2.197 million in funding

Full year 2023 earnings released: CA$0.07 loss per share (vs CA$0.11 loss in FY 2022)

PowerBand Announces Board and Executive Changes

New minor risk - Shareholder dilution

PowerBand Solutions Inc. announced that it expects to receive CAD 2 million in funding

PowerBand Solutions, Inc. Appoints Shibu Abraham to its Board of Directors

PowerBand Solutions Inc. Announces Resignation of Directors

Powerband Solutions Inc. Elects Joe Poulin as Directors

Third quarter 2023 earnings released: CA$0.006 loss per share (vs CA$0.012 loss in 3Q 2022)

PowerBand Solutions Inc. Announces Resignation of Geoffrey Belsher as Board Member and Audit Committee Member

PowerBand Solutions Inc., Annual General Meeting, Dec 13, 2023

Second quarter 2023 earnings released: CA$0.035 loss per share (vs CA$0.04 loss in 2Q 2022)

First quarter 2023 earnings released: CA$0.011 loss per share (vs CA$0.03 loss in 1Q 2022)

Full year 2022 earnings released: CA$0.11 loss per share (vs CA$0.085 loss in FY 2021)

Third quarter 2022 earnings released: CA$0.012 loss per share (vs CA$0.012 loss in 3Q 2021)

Less than half of directors are independent

Powerband Solutions Inc. Approves Election of Director

Second quarter 2022 earnings released: CA$0.04 loss per share (vs CA$0.01 loss in 2Q 2021)

PowerBand Solutions Inc., Annual General Meeting, Sep 14, 2022

PowerBand Solutions Inc. announced that it has received CAD 23.806308 million in funding from Jpk Capital Holdings (Barbados) Inc, Insurance Corporation of Barbados Limited, and other investors

PowerBand Solutions Inc. Announces Executive Changes

PowerBand Solutions Inc. announced that it expects to receive CAD 25.764 million in funding from JPK Capital and another investor

Full year 2021 earnings released: CA$0.085 loss per share (vs CA$0.085 loss in FY 2020)

Less than half of directors are independent

PowerBand Solutions Inc. Announces Board Changes

PowerBand Solutions Inc., Annual General Meeting, Jun 15, 2022

Insider recently sold €58k worth of stock

Founder recently bought €64k worth of stock

Founder recently bought €69k worth of stock

Third quarter 2021 earnings released: CA$0.012 loss per share (vs CA$0.018 loss in 3Q 2020)

Second quarter 2021 earnings released: CA$0.01 loss per share (vs CA$0.015 loss in 2Q 2020)

PowerBand Solutions Inc. announced that it expects to receive CAD 12.000028 million in funding

PowerBand Solutions Inc. Provides Earnings Guidance for the Second Quarter of 2021 and Sales Guidance for the Month of June 2021

First quarter 2021 earnings released: CA$0.013 loss per share (vs CA$0.019 loss in 1Q 2020)

Full year 2020 earnings released: CA$0.085 loss per share (vs CA$0.088 loss in FY 2019)

Independent Director recently sold €65k worth of stock

Powerband, Allianz Partners and D&P Holdings Inc. Enter into Memorandum of Understanding to Take Steps Toward Joining the Drivrz Platform

New 90-day high: €0.45

PowerBand Solutions Inc. announced that it has received CAD 5.3 million in funding

PowerBand Solutions Inc. announced that it expects to receive CAD 5.3 million in funding

PowerBand Solutions Inc. Hires Jon Lamb to Serve as President of North American Operations

New 90-day high: €0.25

PowerBand Solutions Inc. Appoints Steve Waller as Executive Vice President of Finance and Strategy, North American Operations

PowerBand Solutions Inc. Appoints Shibu Abraham as Chief Financial Officer

New 90-day high: €0.23

Third quarter 2020 earnings released: CA$0.018 loss per share

Third quarter 2020 earnings released: CA$0.018 loss per share

PowerBand Solutions Inc. (TSXV:PBX) signed a letter of intent to acquire 15% stake in CB Auto Group, Inc.

PowerBand Solutions Inc. Appoints Bruce Polkes to Advisory Team

Steve Waller is Joining PowerBand Solutions Inc.'s Advisory Team

PowerBand Solutions Inc. Announces Management Appointments