Fellow Finance Oyj, a fintech company, provides crowdfunding and peer-to-peer loan services to individuals and businesses in Finland, Poland, Germany, and Sweden.
Reasonable growth potential with worrying 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's share price has been volatile over 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 -11.3% over the past year.
Return vs Market: FELLOW underperformed the Finnish Market which returned 11.1% 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
3 weeks ago | Simply Wall StImagine Owning Fellow Finance Oyj (HEL:FELLOW) And Wondering If The 45% Share Price Slide Is Justified
2 months ago | Simply Wall StWhat Kind Of Shareholders Own Fellow Finance Oyj (HEL:FELLOW)?
4 months ago | Simply Wall StThe Fellow Finance Oyj (HEL:FELLOW) Share Price Is Down 53% So Some Shareholders Are Wishing They Sold
Is Fellow Finance Oyj undervalued compared to its fair value and its price relative to the market?
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: FELLOW (€3.53) is trading above our estimate of fair value (€1.86)
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 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: FELLOW is unprofitable, so we can't calculate its PEG ratio.
Price to Book Ratio
PB vs Industry: FELLOW is overvalued based on its PB Ratio (1.7x) compared to the XE Consumer Finance industry average (1.3x).
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 (-0.1%).
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 (19.8% per year) is forecast to grow faster than the Finnish market (0.1% per year).
High Growth Revenue: FELLOW's revenue (19.8% per year) is forecast to grow slower 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 (16.6%).
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 -4.1% 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 (11%).
Return on Equity
High ROE: FELLOW has a negative Return on Equity (-0.48%), as it is currently unprofitable.
Return on Assets
Return on Capital Employed
How is Fellow Finance Oyj's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Inventory Level: FELLOW has a low level of unsold assets or inventory.
Debt Coverage by Assets: FELLOW's debt is covered by short term assets (assets are 3x debt).
Cash Runway Analysis
For companies that have on average been loss making in the past we assess whether they have at least 1 year of cash runway.
Stable Cash Runway: FELLOW has been profitable on average in the past, therefore cash runway is not a concern.
Forecast Cash Runway: FELLOW has been profitable on average in the past, therefore cash runway is not a concern.
Financial Institutions Analysis
Asset Level: FELLOW's level of assets compared to its equity is low.
Allowance for Bad Loans: Insufficient data to determine if FELLOW has a sufficient allowance for bad loans.
Low Risk Liabilities: FELLOW reports no customer deposits, loans are made up entirely of externally borrowed funds.
Loan Level: Insufficient data to determine if FELLOW has an acceptable proportion of non-loan assets held.
Low Risk Deposits: FELLOW has advanced significantly more loans than the customer deposits it holds.
Level of Bad Loans: Insufficient data to determine if FELLOW has an appropriate level of bad loans.
What is Fellow Finance Oyj's current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Current dividend yield vs market & industry
Notable Dividend: FELLOW's dividend (1.13%) isn’t notable compared to the bottom 25% of dividend payers in the Finnish market (2.07%).
High Dividend: FELLOW's dividend (1.13%) is low compared to the top 25% of dividend payers in the Finnish market (4.43%).
Stability and Growth of Payments
Stable Dividend: FELLOW is not paying a notable dividend for the Finnish market, therefore no need to check if payments are stable.
Growing Dividend: FELLOW is not paying a notable dividend for the Finnish market, therefore no need to check if payments are 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?
Jouni Hintikka 0
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 ...
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 been diluted in the past year, with total shares outstanding growing by 16.3%.
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: €26.184m
- Shares outstanding: 7.17m
- Website: https://www.fellowfinance.fi
Number of Employees
- Fellow Finance Oyj
- Ratakatu 1 b A 10
|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, and Sweden. It offers personal loans; and business loans, as well as invoice funding, supply chain finance, and auction-based pricing services. The company was founded in 2013 and is based in Helsinki, Finland.
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/02/17 23:11|
|End of Day Share Price||2020/02/17 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.