HLSE:FELLOW

Stock Analysis Report

Executive Summary

Fellow Finance Oyj provides crowdfunding and peer-to-peer loan services to individuals and businesses in Finland, Poland, Germany, and Sweden.

Snowflake

Fundamentals

Exceptional growth potential with adequate balance sheet.

Risks

  • Fellow Finance Oyj has significant price volatility in the past 3 months.
  • Fellow Finance Oyj is covered by less than 3 analysts.

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


Market Performance


7 Day Return

-15.9%

HLSE:FELLOW

-15.9%

FI Consumer Finance

-1.4%

FI Market


1 Year Return

n/a

HLSE:FELLOW

0%

FI Consumer Finance

-4.9%

FI Market

No trading data on FELLOW.

No trading data on FELLOW.


Share holder returns

FELLOWIndustryMarket
7 Day-15.9%-15.9%-1.4%
30 Day-23.1%-23.1%-1.1%
90 Day-34.1%-34.1%-1.6%
1 Yearn/a0%0%-0.6%-4.9%
3 Yearn/a0%0%26.4%11.9%
5 Yearn/a0%0%53.1%24.0%

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 based on future cash flows and its price relative to the stock market?

>50%

Discount to future cash flow value


Intrinsic Value Based on Future Cash Flows

Fellow Finance Oyj's share price is below the future cash flow value, and at a moderate discount (> 20%).

Fellow Finance Oyj's share price is below the future cash flow value, and at a substantial discount (> 40%).


Price Based on Earnings

Fellow Finance Oyj is overvalued based on earnings compared to the Europe Consumer Finance industry average.

Fellow Finance Oyj is overvalued based on earnings compared to the Finland market.


Price Based on Expected Growth

Fellow Finance Oyj is poor value based on expected growth next year.


Price Based on Value of Assets

Fellow Finance Oyj is overvalued based on assets compared to the Europe Consumer Finance industry average.


Next Steps

Future Growth

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

39.9%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Fellow Finance Oyj's revenue is expected to grow significantly at over 20% yearly.

Fellow Finance Oyj's earnings are expected to grow significantly at over 20% yearly.

Fellow Finance Oyj's revenue growth is expected to exceed the Finland market average.

Fellow Finance Oyj's earnings growth is expected to exceed the Finland market average.

Fellow Finance Oyj's earnings growth is expected to exceed the low risk savings rate of 0.5%.


Earnings per Share Growth Estimates


Future Return on Equity

Fellow Finance Oyj is expected to efficiently use shareholders’ funds in the future (Return on Equity greater than 20%).


Next Steps

Past Performance

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

-26.4%

Last years earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Insufficient data to establish if Fellow Finance Oyj's year on year earnings growth rate was positive over the past 5 years.

Fellow Finance Oyj's 1-year earnings growth is negative, it can't be compared to the 5-year average.

Fellow Finance Oyj's 1-year earnings growth is negative, it can't be compared to the Europe Consumer Finance industry average.


Return on Equity

Fellow Finance Oyj has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

Fellow Finance Oyj used its assets more efficiently than the Europe Consumer Finance industry average last year based on Return on Assets.


Return on Capital Employed

Fellow Finance Oyj's use of capital deteriorated last year versus 3 years ago (Return on Capital Employed).


Next Steps

Financial Health

How is Fellow Finance Oyj's financial position?


Financial Position Analysis

Fellow Finance Oyj is able to meet its short term (1 year) commitments with its holdings of cash and other short term assets.

Fellow Finance Oyj's cash and other short term assets cover its long term commitments.


Debt to Equity History and Analysis

Fellow Finance Oyj's level of debt (19.3%) compared to net worth is satisfactory (less than 40%).

Unable to establish if Fellow Finance Oyj's debt level has increased without past 5-year debt data.

Debt is well covered by operating cash flow (47%, greater than 20% of total debt).

Interest payments on debt are not well covered by earnings (EBIT is 1.5x annual interest expense, ideally 3x coverage).


Balance Sheet

Low level of unsold assets.

Debt is covered by short term assets, assets are 11.3x debt.


Next Steps

Dividend

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

2.85%

Expected Dividend Yield


Dividend Yield and Payments Analysis

Fellow Finance Oyj's pays a lower dividend yield than the bottom 25% of dividend payers in Finland (2.42%).

Fellow Finance Oyj's dividend is below the markets top 25% of dividend payers in Finland (5.33%).

Fellow Finance Oyj is not paying a notable dividend for Finland, therefore no need to check if the payments are stable.

Fellow Finance Oyj is not paying a notable dividend for Finland, therefore no need to check if the payments are increasing.


Current Payout to Shareholders

No need to calculate the sustainability of Fellow Finance Oyj's dividends as it is not paying a notable one for Finland.


Future Payout to Shareholders

Dividends after 3 years are expected to be well covered by earnings (3.2x coverage).


Next Steps

Management

What is the CEO of Fellow Finance Oyj's salary, the management and board of directors tenure and is there insider trading?


CEO

Jouni Hintikka

6.6yrs

Tenure

Mr. Jouni Hintikka is Co-Founder of Fellow Finance Oyj and serves as its Chief Executive Officer since 2013. Mr. Hintikka is an experienced leader in the field of banking services. He has been in leading p ...


Insider Trading

No 3 month open market individual insider trading information.


Ownership Breakdown


Management Team

  • Teemu Nyholm (44yo)

    COO, Co-Founder & Director

  • Jouni Hintikka

    CEO & Co-Founder

    • Tenure: 6.6yrs
  • Niko Stark (32yo)

    Chief Financial Officer

    • Tenure: 0.3yrs

Board Members

  • Harri Tilev (44yo)

    Director

  • Jorma Alanne (56yo)

    Director

  • Teemu Nyholm (44yo)

    COO, Co-Founder & Director

  • Kai Myllyneva

    Chairman

    • Tenure: 1.0yrs
  • Esa Laurila

    Director

    • Tenure: 1.0yrs

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: €38.594m
  • Shares outstanding: 7.17m
  • Website: Click here

Number of Employees


Location

  • Fellow Finance Oyj
  • Ratakatu 1 b A 10
  • Helsinki
  • Uusimaa
  • 120
  • Finland

Listings

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

Biography

Fellow Finance Oyj provides crowdfunding and peer-to-peer loan services to individuals and businesses in Finland, Poland, Germany, and Sweden. It also provides investors an opportunity to make direct in-ve ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/17 22:40
End of Day Share Price2019/08/16 00:00
Earnings2018/12/31
Annual Earnings2018/12/31


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.