Fellow Finance Oyj, a fintech company, provides crowdfunding and peer-to-peer loan services to individuals and businesses in Finland, Poland, Germany, Sweden, and Denmark. More Details
High growth potential with imperfect balance sheet.
Share Price & News
How has Fellow Finance Oyj's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: FELLOW has not had significant price volatility in the past 3 months.
7 Day Return
FI Consumer Finance
1 Year Return
FI Consumer Finance
Return vs Industry: FELLOW underperformed the Finnish Consumer Finance industry which returned -17.7% over the past year.
Return vs Market: FELLOW underperformed the Finnish Market which returned 5.3% over the past year.
Price Volatility Vs. Market
How volatile is Fellow Finance Oyj's share price compared to the market and industry in the last 5 years?
Simply Wall St News
6 months ago | Simply Wall StWhat Kind Of Shareholder Appears On The Fellow Finance Oyj's (HEL:FELLOW) Shareholder Register?
7 months ago | Simply Wall StImagine Owning Fellow Finance Oyj (HEL:FELLOW) And Wondering If The 45% Share Price Slide Is Justified
9 months ago | Simply Wall StWhat Kind Of Shareholders Own Fellow Finance Oyj (HEL:FELLOW)?
Is Fellow Finance Oyj undervalued compared to its fair value and its price relative to the market?
Price to Book (PB) ratio
Share Price vs. Fair Value
Below Fair Value: FELLOW (€2.5) is trading above our estimate of fair value (€0.92)
Significantly Below Fair Value: FELLOW is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: FELLOW is unprofitable, so we can't compare its PE Ratio to the XE Consumer Finance industry average.
PE vs Market: FELLOW is unprofitable, so we can't compare its PE Ratio to the Finnish market.
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate FELLOW's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: FELLOW is overvalued based on its PB Ratio (1.3x) compared to the XE Consumer Finance industry average (0.8x).
How is Fellow Finance Oyj forecast to perform in the next 1 to 3 years based on estimates from 2 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: FELLOW is forecast to become profitable over the next 3 years, which is considered faster growth than the savings rate (0.4%).
Earnings vs Market: FELLOW is forecast to become profitable over the next 3 years, which is considered above average market growth.
High Growth Earnings: FELLOW's is expected to become profitable in the next 3 years.
Revenue vs Market: FELLOW's revenue (21.2% per year) is forecast to grow faster than the Finnish market (4.5% per year).
High Growth Revenue: FELLOW's revenue (21.2% per year) is forecast to grow faster than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: FELLOW's Return on Equity is forecast to be low in 3 years time (4.6%).
How has Fellow Finance Oyj performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: FELLOW is currently unprofitable.
Growing Profit Margin: FELLOW is currently unprofitable.
Past Earnings Growth Analysis
Earnings Trend: FELLOW is unprofitable, and losses have increased over the past 5 years at a rate of 37.4% per year.
Accelerating Growth: Unable to compare FELLOW's earnings growth over the past year to its 5-year average as it is currently unprofitable
Earnings vs Industry: FELLOW is unprofitable, making it difficult to compare its past year earnings growth to the Consumer Finance industry (3%).
Return on Equity
High ROE: FELLOW has a negative Return on Equity (-8.84%), as it is currently unprofitable.
How is Fellow Finance Oyj's financial position?
Financial Position Analysis
Short Term Liabilities: FELLOW's short term assets (€29.5M) exceed its short term liabilities (€3.2M).
Long Term Liabilities: FELLOW's short term assets (€29.5M) exceed its long term liabilities (€13.4M).
Debt to Equity History and Analysis
Debt Level: FELLOW's debt to equity ratio (84.3%) is considered high.
Reducing Debt: Insufficient data to determine if FELLOW's debt to equity ratio has reduced over the past 5 years.
Debt Coverage: FELLOW's operating cash flow is negative, therefore debt is not well covered.
Interest Coverage: FELLOW is unprofitable, therefore interest payments are not well covered by earnings.
What is Fellow Finance Oyj current dividend yield, its reliability and sustainability?
Forecast Dividend Yield
Dividend Yield vs Market
Notable Dividend: Unable to evaluate FELLOW's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate FELLOW's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if FELLOW's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if FELLOW's dividend payments have been increasing.
Current Payout to Shareholders
Dividend Coverage: FELLOW is not paying a notable dividend for the Finnish market.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of FELLOW's dividend in 3 years as they are not forecast to pay a notable one for the Finnish market.
How experienced are the management team and are they aligned to shareholders interests?
Teemu Nyholm (45 yo)
Mr. Teemu Nyholm is Co-Founder and Director of Fellow Finance Oyj and serves as its Interim Chief Executive Officer since June 30, 2020. He served as Chief Operating Officer at Fellow Finance Oyj until 202 ...
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Fellow Finance Oyj's company bio, employee growth, exchange listings and data sources
- Name: Fellow Finance Oyj
- Ticker: FELLOW
- Exchange: HLSE
- Founded: 2013
- Industry: Consumer Finance
- Sector: Diversified Financials
- Market Cap: €17.934m
- Shares outstanding: 7.17m
- Website: https://www.fellowfinance.fi
Number of Employees
- Fellow Finance Oyj
- Pursimiehenkatu 4 A
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|FELLOW||HLSE (OMX Nordic Exchange Helsinki)||Yes||Share Capital||FI||EUR||Oct 2018|
Fellow Finance Oyj, a fintech company, provides crowdfunding and peer-to-peer loan services to individuals and businesses in Finland, Poland, Germany, Sweden, and Denmark. It offers personal loans; and bus ...
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/09/19 05:27|
|End of Day Share Price||2020/09/18 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.