HLSE:FELLOW

Stock Analysis Report

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Executive Summary

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


Snowflake Analysis

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.


Market Performance


7 Day Return

0.4%

FELLOW

0.2%

FI Consumer Finance

2.2%

FI Market


1 Year Return

-44.8%

FELLOW

-17.7%

FI Consumer Finance

5.3%

FI Market

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.


Shareholder returns

FELLOWIndustryMarket
7 Day0.4%0.2%2.2%
30 Day-2.3%5.7%3.7%
90 Day-10.1%16.4%10.1%
1 Year-44.8%-44.8%-16.2%-17.7%14.7%5.3%
3 Yearn/a-25.1%-33.6%25.2%3.9%
5 Yearn/a-38.8%-55.2%70.5%34.7%

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

Valuation

Is Fellow Finance Oyj undervalued compared to its fair value and its price relative to the market?

1.3x

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).


Next Steps

Future Growth

How is Fellow Finance Oyj forecast to perform in the next 1 to 3 years based on estimates from 2 analysts?

90.0%

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%).


Next Steps

Past Performance

How has Fellow Finance Oyj performed over the past 5 years?

-37.4%

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.


Next Steps

Financial Health

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.


Balance Sheet


Next Steps

Dividend

What is Fellow Finance Oyj current dividend yield, its reliability and sustainability?

0.40%

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.


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?


CEO

Teemu Nyholm (45 yo)

0.25

Tenure

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 ...


Ownership

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.


Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

Company Information

Fellow Finance Oyj's company bio, employee growth, exchange listings and data sources


Key Information

  • 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


Location

  • Fellow Finance Oyj
  • Pursimiehenkatu 4 A
  • Helsinki
  • Uusimaa
  • 150
  • Finland

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
FELLOWHLSE (OMX Nordic Exchange Helsinki)YesShare CapitalFIEUROct 2018

Biography

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

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2020/09/19 05:27
End of Day Share Price2020/09/18 00:00
Earnings2020/06/30
Annual Earnings2019/12/31


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.