Capitea Valuation

Q: What is the Fair Price of 0F1J when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

0F1J (PLN0.01) is trading below our estimate of [[fair value]] (PLN0.31)

Is 0F1J undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

4/6

Valuation Score 4/6

Below Fair Value
Significantly Below Fair Value
Price-To-Earnings vs Peers
Price-To-Earnings vs Industry
Price-To-Earnings vs Fair Ratio
Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of 0F1J when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: 0F1J (PLN0.01) is trading below our estimate of fair value (PLN0.31)

Significantly Below Fair Value: 0F1J is trading below fair value by more than 20%.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for 0F1J?

Key metric: As 0F1J is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for 0F1J. This is calculated by dividing 0F1J's market cap by their current earnings.
What is 0F1J's PE Ratio?
PE Ratio	0.8x
Earnings	zł75.71m
Market Cap	zł58.00m

0F1J key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenue	2.6x
Enterprise Value/EBITDA	15.1x
PEG Ratio	n/a

Price to Earnings Ratio vs Peers

How does 0F1J's PE Ratio compare to its peers?

The above table shows the PE ratio for 0F1J vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
Company	Forward PE	Estimated Growth	Market Cap
Peer Average	12.9x
ORCH Orchard Funding Group	3.6x	n/a	UK£5.4m
TIME Time Finance	12.2x	14.9%	UK£54.4m
DFCH Distribution Finance Capital Holdings	7.4x	n/a	UK£56.5m
TRU TruFin	28.3x	n/a	UK£70.4m
0F1J Capitea	0.8x	n/a	zł58.0m

Price-To-Earnings vs Peers: 0F1J is good value based on its Price-To-Earnings Ratio (0.8x) compared to the peer average (6.4x).

Price to Earnings Ratio vs Industry

How does 0F1J's PE Ratio compare vs other companies in the GB Diversified Financial Industry?

2 Companies	Price / Earnings	Estimated Growth	Market Cap
Industry Avg.	13.3x	10.6%
0F1J Capitea	0.8x	n/a	US$13.77m
NBS Nationwide Building Society	0.9x	n/a	US$1.51b

No more companies available in this PE range

2 Companies		Estimated Growth	Market Cap
Industry Avg.	13.3x	10.6%
0F1J Capitea	0.8x	n/a	US$13.77m

No more companies

Price-To-Earnings vs Industry: 0F1J is good value based on its Price-To-Earnings Ratio (0.8x) compared to the UK Diversified Financial industry average (10.5x).

Price to Earnings Ratio vs Fair Ratio

What is 0F1J's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

0F1J PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio	0.8x
Fair PE Ratio	n/a

Price-To-Earnings vs Fair Ratio: Insufficient data to calculate 0F1J's Price-To-Earnings Fair Ratio for valuation analysis.

Analyst Price Targets

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

Analyst Forecast: Insufficient data to show price forecast.

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