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Ferratum Oyj

LSE:0R4W
Snowflake Description

High growth potential and fair value.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
0R4W
LSE
€265M
Market Cap
  1. Home
  2. GB
  3. Diversified Financials
Company description

Ferratum Oyj, together with its subsidiaries, provides mobile banking, and digital consumer and small business loans. The last earnings update was 28 days ago. More info.


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  • Ferratum Oyj has significant price volatility in the past 3 months.
0R4W Share Price and Events
7 Day Returns
0%
LSE:0R4W
-0.1%
GB Consumer Finance
1.5%
GB Market
1 Year Returns
-52.3%
LSE:0R4W
-22.9%
GB Consumer Finance
2.1%
GB Market
0R4W Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
Ferratum Oyj (0R4W) 0% 0.8% 40.5% -52.3% -46.8% -
GB Consumer Finance -0.1% 7.5% -1.8% -22.9% -69.4% -61.9%
GB Market 1.5% 5.2% 9.7% 2.1% 17.8% 6.8%
1 Year Return vs Industry and Market
  • 0R4W underperformed the Consumer Finance industry which returned -22.9% over the past year.
  • 0R4W underperformed the Market in United Kingdom of Great Britain and Northern Ireland which returned 2.1% over the past year.
Price Volatility
0R4W
Industry
5yr Volatility vs Market
Related Companies

Sorry, no analysis for Ferratum Oyj's competitors could be found in our database.

Value

 Is Ferratum Oyj undervalued based on future cash flows and its price relative to the stock market?

Value is all about what a company is worth versus what price it is available for. If you went into a grocery store and all the bananas were on sale at half price, they could be considered undervalued.
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
Here we compare the current share price of Ferratum Oyj to its discounted cash flow analysis.value.

The discounted cash flow value is simply looking at what the company is worth today, based on estimates of how much money it is expected to make in the future.
Raw Data

Below are the data sources, inputs and calculation used to determine the intrinsic value for Ferratum Oyj.

LSE:0R4W Discounted Cash Flow Data Sources
Data Point Source Value
Valuation Model Excess Returns Model
Stable EPS Median Return on Equity from the past 5 years.
= Stable Book Value * Return on Equity
= €7.05 * 17.6%
€1.24
Book Value of Equity per Share Weighted future Book Value estimates from 2 analysts. €7.05
Discount Rate (Cost of Equity) See below 8.1%
Perpetual Growth Rate 10-Year GB Government Bond Rate 1.2%

An important part of a discounted cash flow is the discount rate, below we explain how it has been calculated.

Calculation of Discount Rate/ Cost of Equity for LSE:0R4W
Data Point Calculation/ Source Result
Risk-Free Rate 10-Year GB Govt Bond Rate 1.2%
Equity Risk Premium S&P Global 6.5%
Consumer Finance Unlevered Beta Simply Wall St/ S&P Global 0.7
Re-levered Beta = Unlevered beta (1 + (1- tax rate) (Debt/Equity))
= 0.695 (1 + (1- 20%) (68.97%))
1.053
Levered Beta Levered Beta limited to 0.8 to 2.0
(practical range for a stable firm)
1.05
Discount Rate/ Cost of Equity = Cost of Equity = Risk Free Rate + (Levered Beta * Equity Risk Premium)
= 1.23% + (1.053 * 6.51%)
8.08%

Discounted Cash Flow Calculation for LSE:0R4W using Excess Returns Model Model

The calculations below outline how an intrinsic value for Ferratum Oyj is arrived at using the Excess Return Model. This approach is used for finance firms where free cash flow is difficult to estimate.

In the Excess Return Model the value of a firm can be written as the sum of capital invested currently in the firm and the present value of excess returns that the firm expects to make in the future.

The model is sensitive to the Return on Equity of the company versus the Cost of Equity, how these are calculated is detailed below the main calculation.

Note the calculations below are per share.

See our documentation to learn about this calculation.

LSE:0R4W Value of Excess Returns
Calculation Result
Excess Returns = (Stable Return on equity – Cost of equity) (Book Value of Equity per share)
= (17.6% – 8.08%) * €7.05)
€0.67
Terminal Value of Excess Returns = Excess Returns / (Cost of Equity - Expected Growth Rate)
= €0.67 / (8.08% - 1.23%)
€9.74
Value of Equity = Book Value per share + Terminal Value of Excess Returns
= €7.05 + €9.74
€16.79
LSE:0R4W Discount to Share Price
Calculation Result
Non-primary Listing Adjustment Factor 1 share in LSE:0R4W represents 0.99715x of XTRA:FRU
(This could be a different class, a depositary receipt, a different currency, or all of these things.)
0.99715x
Value per Share
(Listing Adjusted, EUR)
= Value per Share (EUR) x Listing Adjustment Factor
= € 16.79 x 0.99715
€16.74
Value per share (EUR) From above. €16.74
Current discount Discount to share price of €12.60
= -1 x (€12.60 - €16.74) / €16.74
24.7%

Learn more about our DCF calculations in Simply Wall St’s analysis model .

Current Discount
Amount off the current price Ferratum Oyj is available for.
Intrinsic value
25%
Share price is €12.6 vs Future cash flow value of €16.74
Current Discount Checks
For Ferratum Oyj to be considered undervalued it must be available for at least 20% below the current price. Less than 40% is even better.
  • Ferratum Oyj's share price is below the future cash flow value, and at a moderate discount (> 20%).
  • Ferratum Oyj's share price is below the future cash flow value, but not at a substantial discount (< 40%).
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing when they are out of season, or how much your home is worth.

The amount the stock market is willing to pay for Ferratum Oyj's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are Ferratum Oyj's earnings available for a low price, and how does this compare to other companies in the same industry?
Raw Data
LSE:0R4W PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2018-12-31) in EUR €0.89
XTRA:FRU Share Price ** XTRA (2019-04-05) in EUR €12.64
United Kingdom of Great Britain and Northern Ireland Consumer Finance Industry PE Ratio Median Figure of 12 Publicly-Listed Consumer Finance Companies 12.15x
United Kingdom of Great Britain and Northern Ireland Market PE Ratio Median Figure of 797 Publicly-Listed Companies 16.16x

* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.

** Primary Listing of Ferratum Oyj.

LSE:0R4W PE (Price to Earnings) Ratio Calculation
Calculation Outcome
PE Ratio

= XTRA:FRU Share Price ÷ EPS (both in EUR)

= 12.64 ÷ 0.89

14.15x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Ferratum Oyj is overvalued based on earnings compared to the GB Consumer Finance industry average.
  • Ferratum Oyj is good value based on earnings compared to the United Kingdom of Great Britain and Northern Ireland market.
Price based on expected Growth
Does Ferratum Oyj's expected growth come at a high price?
Raw Data
LSE:0R4W PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section 14.15x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 3 Analysts
24.2%per year
United Kingdom of Great Britain and Northern Ireland Consumer Finance Industry PEG Ratio Median Figure of 7 Publicly-Listed Consumer Finance Companies 0.66x
United Kingdom of Great Britain and Northern Ireland Market PEG Ratio Median Figure of 564 Publicly-Listed Companies 1.49x

*Line of best fit is calculated by linear regression .

LSE:0R4W PEG (Price to Earnings to Growth) Ratio Calculation
Calculation Outcome
PEG Ratio

= PE Ratio ÷ Net Income Annual Growth Rate

= 14.15x ÷ 24.2%

0.59x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Ferratum Oyj is good value based on expected growth next year.
Price based on value of assets
What value do investors place on Ferratum Oyj's assets?
Raw Data
LSE:0R4W PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2018-12-31) in EUR €5.11
XTRA:FRU Share Price * XTRA (2019-04-05) in EUR €12.64
United Kingdom of Great Britain and Northern Ireland Consumer Finance Industry PB Ratio Median Figure of 14 Publicly-Listed Consumer Finance Companies 1.7x
United Kingdom of Great Britain and Northern Ireland Market PB Ratio Median Figure of 1,367 Publicly-Listed Companies 1.52x
LSE:0R4W PB (Price to Book) Ratio Calculation
Calculation Outcome
PB Ratio

= XTRA:FRU Share Price ÷ Book Value per Share (both in EUR)

= 12.64 ÷ 5.11

2.47x

* Primary Listing of Ferratum Oyj.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Ferratum Oyj is overvalued based on assets compared to the GB Consumer Finance industry average.
X
Value checks
We assess Ferratum Oyj's value by looking at:
  1. Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
  2. Is the PE ratio less than the market average, and/ or less than the Consumer Finance industry average (and greater than 0)? (2 checks)
  3. Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
  4. Is the PB ratio less than the Consumer Finance industry average (and greater than 0)? (1 check)
  5. Ferratum Oyj has a total score of 3/6, see the detailed checks below.

    Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.

    Full details on the Value part of the Simply Wall St company analysis model.

Future Performance

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

The future performance of a company is measured in the same way as past performance, by looking at estimated growth and how much profit it is expected to make.

Future estimates come from professional analysts. Just like forecasting the weather, they don’t always get it right!
Annual Growth Rate
24.2%
Expected annual growth in earnings.
Earnings growth vs Low Risk Savings
Is Ferratum Oyj expected to grow at an attractive rate?
  • Ferratum Oyj's earnings growth is expected to exceed the low risk savings rate of 1.2%.
Growth vs Market Checks
  • Ferratum Oyj's earnings growth is expected to exceed the United Kingdom of Great Britain and Northern Ireland market average.
  • Ferratum Oyj's revenue growth is expected to exceed the United Kingdom of Great Britain and Northern Ireland market average.
Annual Growth Rates Comparison
Raw Data
LSE:0R4W Future Growth Rates Data Sources
Data Point Source Value (per year)
LSE:0R4W Future Earnings Growth Rate Line of Best Fit* through Consensus Estimate Earnings of 3 Analysts 24.2%
LSE:0R4W Future Revenue Growth Rate Line of Best Fit* through Consensus Estimate Revenue of 3 Analysts 27.6%
United Kingdom of Great Britain and Northern Ireland Consumer Finance Industry Earnings Growth Rate Market Cap Weighted Average 23.6%
United Kingdom of Great Britain and Northern Ireland Consumer Finance Industry Revenue Growth Rate Market Cap Weighted Average 12.9%
United Kingdom of Great Britain and Northern Ireland Market Earnings Growth Rate Market Cap Weighted Average 10.9%
United Kingdom of Great Britain and Northern Ireland Market Revenue Growth Rate Market Cap Weighted Average 4.8%

*Line of best fit is calculated by linear regression .

Industry and Market average data is calculated daily.

Learn more about our growth rate calculations in Simply Wall St’s analysis model.

Analysts growth expectations
Raw Data
LSE:0R4W Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (3 months ago) See Below
Future Estimates Average of up to 3 Analyst Estimates (S&P Global) See Below
All numbers in EUR Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
LSE:0R4W Future Estimates Data
Date (Data in EUR Millions) Revenue Cash Flow Net Income * Avg. No. Analysts
2021-12-31 397 28 42 1
2020-12-31 359 27 35 3
2019-12-31 307 0 28 2
LSE:0R4W Past Financials Data
Date (Data in EUR Millions) Revenue Cash Flow Net Income *
2018-12-31 163 -40 19
2018-09-30 158 0 18
2018-06-30 153 28 18
2018-03-31 150 33 21
2017-12-31 139 33 20
2017-09-30 130 -5 20
2017-06-30 119 10 17
2017-03-31 109 37 15
2016-12-31 101 24 13
2016-09-30 91 33 11
2016-06-30 87 -7 13
2016-03-31 80 -35 12

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • Ferratum Oyj's earnings are expected to grow significantly at over 20% yearly.
  • Ferratum Oyj's revenue is expected to grow significantly at over 20% yearly.
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can be gauged below. We look back 3 years and see if they were any good at predicting what actually occurred. We also show the highest and lowest estimates looking forward to see if there is a wide range.
Raw Data
LSE:0R4W Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (3 months ago) See Below
Future Estimates Average of up to 3 Analyst Estimates (S&P Global) See Below

All data from Ferratum Oyj Company Filings, last reported 3 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

LSE:0R4W Future Estimates Data
Date (Data in EUR Millions) EPS * EPS High Estimate EPS Low Estimate Avg. No. Analysts
2021-12-31 1.91 1.91 1.91 1.00
2020-12-31 1.60 1.62 1.55 3.00
2019-12-31 1.30 1.30 1.30 2.00
LSE:0R4W Past Financials Data
Date (Data in EUR Millions) EPS *
2018-12-31 0.89
2018-09-30 0.84
2018-06-30 0.85
2018-03-31 0.96
2017-12-31 0.93
2017-09-30 0.90
2017-06-30 0.78
2017-03-31 0.68
2016-12-31 0.60
2016-09-30 0.51
2016-06-30 0.58
2016-03-31 0.55

*GAAP earnings excluding extraordinary items.

Performance in 3 years
In the same way as past performance we look at the future estimated return (profit) compared to the available funds. We do this looking forward 3 years.
  • Ferratum Oyj is not expected to efficiently use shareholders’ funds in the future (Return on Equity less than 20%).
X
Future performance checks
We assess Ferratum Oyj's future performance by looking at:
  1. Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
  2. Is the annual earnings growth rate expected to beat the average growth rate in earnings of the United Kingdom of Great Britain and Northern Ireland market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the United Kingdom of Great Britain and Northern Ireland market? (1 check)
  4. Is the annual earnings growth rate expected to be above 20%? (1 check)
  5. Is the annual revenue growth rate expected to be above 20%? (1 check)
  6. Is the Return on Equity in 3 years expected to be over 20%? (1 check)
Some of the above checks will fail if the company is expected to be loss making in the relevant year.
Ferratum Oyj has a total score of 5/6, see the detailed checks below.

Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.

Full details on the Future part of the Simply Wall St company analysis model.

Past Performance

  How has Ferratum Oyj performed over the past 5 years?

The past performance of a company can be measured by how much growth it has experienced and how much profit it makes relative to the funds and assets it has available.
Past earnings growth
Below we compare Ferratum Oyj's growth in the last year to its industry (Consumer Finance).
Past Earnings growth analysis
We also check if the company has grown in the past 5 years, and whether it has maintained that growth in the year.
  • Ferratum Oyj has delivered over 20% year on year earnings growth in the past 5 years.
  • Ferratum Oyj's 1-year earnings growth is negative, it can't be compared to the 5-year average.
  • Ferratum Oyj's 1-year earnings growth is negative, it can't be compared to the GB Consumer Finance industry average.
Earnings and Revenue History
Ferratum Oyj's revenue and profit over the past 5 years is shown below, any years where they have experienced a loss will show up in red.
Raw Data

All data from Ferratum Oyj Company Filings, last reported 3 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

LSE:0R4W Past Revenue, Cash Flow and Net Income Data
Date (Data in EUR Millions) Revenue Net Income * G+A Expenses R&D Expenses
2018-12-31 162.61 19.27 90.23
2018-09-30 158.03 17.96 89.14
2018-06-30 153.06 18.33 85.49
2018-03-31 150.16 20.64 81.35
2017-12-31 138.63 20.06 76.59
2017-09-30 129.78 19.58 70.66
2017-06-30 119.18 16.79 66.79
2017-03-31 109.21 14.68 62.44
2016-12-31 100.86 12.96 58.49
2016-09-30 90.85 10.98 53.12
2016-06-30 86.85 12.55 48.31
2016-03-31 80.42 12.08 43.89
2015-12-31 72.36 10.93 39.20
2015-09-30 65.38 9.29 34.98
2015-06-30 57.99 7.15 31.57
2015-03-31 52.15 6.92 28.09
2014-12-31 46.17 5.62 25.01
2014-09-30 39.54 4.71 34.59
2014-06-30 36.63 4.53 28.44
2014-03-31 34.61 3.35 23.13
2013-12-31 33.99 3.55 18.35
2013-09-30 31.68 4.73 -11.54
2013-06-30 27.05 4.62 16.06
2013-03-31 28.99 4.69 17.81
2012-12-31 31.83 4.63

*GAAP earnings excluding extraordinary items.

Performance last year
We want to ensure a company is making the most of what it has available. This is done by comparing the return (profit) to a company's available funds, assets and capital.
  • Ferratum Oyj has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
  • Ferratum Oyj used its assets less efficiently than the GB Consumer Finance industry average last year based on Return on Assets.
  • Unable to establish if Ferratum Oyj improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.
X
Past performance checks
We assess Ferratum Oyj's performance over the past 5 years by checking for:
  1. Has earnings increased in past 5 years? (1 check)
  2. Has the earnings growth in the last year exceeded that of the Consumer Finance industry? (1 check)
  3. Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
  4. Is the Return on Equity (ROE) higher than 20%? (1 check)
  5. Is the Return on Assets (ROA) above industry average? (1 check)
  6. Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent earnings report. Some checks require at least 3 or 5 years worth of data.
Ferratum Oyj has a total score of 1/6, see the detailed checks below.

Note: We use GAAP Net Income excluding extraordinary items in all our calculations.

Full details on the Past part of the Simply Wall St company analysis model.

Health

 How is Ferratum Oyj's financial health and their level of debt?

A company's financial position is much like your own financial position, it includes everything you own (assets) and owe (liabilities).

The boxes below represent the relative size of what makes up Ferratum Oyj's finances.

The net worth of a company is the difference between its assets and liabilities.
Net Worth
  • Ferratum Oyj is able to meet its short term (1 year) commitments with its holdings of cash and other short term assets.
  • Ferratum Oyj's cash and other short term assets cover its long term commitments.
Balance sheet
This treemap shows a more detailed breakdown of Ferratum Oyj's finances. If any of them are yellow this indicates they may be out of proportion and red means they relate to one of the checks below.
Assets
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
  • Low level of unsold assets.
  • Debt is covered by short term assets, assets are 2.4x debt.
Historical Debt
Nearly all companies have debt. Debt in itself isn’t bad, however if the debt is too high, or the company can’t afford to pay the interest on its debts this may have impacts in the future.

The graphic below shows equity (available funds) and debt, we ideally want to see the red area (debt) decreasing.

If there is any debt we look at the companies capability to repay it, and whether the level has increased over the past 5 years.
Raw Data

All data from Ferratum Oyj Company Filings, last reported 3 months ago.

LSE:0R4W Past Debt and Equity Data
Date (Data in EUR Millions) Total Equity Total Debt Cash & Short Term Investments
2018-12-31 107.38 183.06 115.58
2018-09-30 107.94 195.85 160.51
2018-06-30 103.06 194.42 172.16
2018-03-31 103.96 135.92 135.61
2017-12-31 105.24 134.58 131.99
2017-09-30 100.52 129.02 116.20
2017-06-30 95.68 109.68 79.40
2017-03-31 93.45 83.54 64.60
2016-12-31 87.88 90.90 73.06
2016-09-30 83.25 69.62 71.77
2016-06-30 81.14 70.06 39.40
2016-03-31 80.48 60.11 11.18
2015-12-31 77.64 49.40 17.45
2015-09-30 74.67 49.09 31.27
2015-06-30 70.69 34.93 23.46
2015-03-31 69.55 42.86 38.99
2014-12-31 21.44 46.93 8.03
2014-09-30 19.52 46.20 9.35
2014-06-30 17.90 44.43 10.28
2014-03-31 16.49 43.22 12.86
2013-12-31 15.68 45.83 17.53
2013-09-30
2013-06-30 14.24 27.27 4.94
2013-03-31 13.16 21.29 2.67
2012-12-31 13.16 21.29 2.67
  • Ferratum Oyj's level of debt (170.5%) compared to net worth is high (greater than 40%).
  • The level of debt compared to net worth has been reduced over the past 5 years (291.9% vs 170.5% today).
  • Operating cash flow is negative therefore debt is not well covered.
  • Unable to confirm if the interest payments on Ferratum Oyj's debt are well covered by earnings due to lack of past financial data.
X
Financial health checks
We assess Ferratum Oyj's financial health by checking for:
  1. Are short term assets greater than short term liabilities? (1 check)
  2. Are short term assets greater than long term liabilities? (1 check)
  3. Has the debt to equity ratio increased in the past 5 years? (1 check)
  4. Is the debt to equity ratio over 40%? (1 check)
  5. Is the debt covered by operating cash flow? (1 check)
  6. Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check)
  7. Ferratum Oyj has a total score of 3/6, see the detailed checks below.
For companies that are loss making and have been so on average in the past we replace the last 2 checks with:
  1. Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
  2. Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)


Full details on the Health part of the Simply Wall St company analysis model.

Dividends

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

Dividends are regular cash payments to you from the company, similar to a bank paying you interest on a savings account.
Annual Dividend Income
Dividend payments
1.42%
Current annual income from Ferratum Oyj dividends. Estimated to be 2.65% next year.
If you bought €2,000 of Ferratum Oyj shares you are expected to receive €28 in your first year as a dividend.
Dividend Amount
Here we look how much dividend is being paid, if any. Is it above what you can get in a savings account? It is up there with the best dividend paying companies?
  • Ferratum Oyj's pays a lower dividend yield than the bottom 25% of dividend payers in United Kingdom of Great Britain and Northern Ireland (2.01%).
  • Ferratum Oyj's dividend is below the markets top 25% of dividend payers in United Kingdom of Great Britain and Northern Ireland (5.14%).
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not wildly increasing/decreasing each year. This graph shows you the historical rate to count toward your assessment of the stock.

We also check to see if the dividend has increased in the past 10 years.
Raw Data
LSE:0R4W Annualized Past and Future Dividends
Data Point Source Value
Past Annualized Dividend Yield S&P Global Market Data See Below
Past Dividends per Share Company Filings/ Annualized Dividend Payments See Below
Future Dividends per Share Estimates Average of up to 3 Analyst Estimates (S&P Global) See Below
United Kingdom of Great Britain and Northern Ireland Consumer Finance Industry Average Dividend Yield Market Cap Weighted Average of 12 Stocks 3%
United Kingdom of Great Britain and Northern Ireland Market Average Dividend Yield Market Cap Weighted Average of 705 Stocks 4.1%
United Kingdom of Great Britain and Northern Ireland Minimum Threshold Dividend Yield 10th Percentile 1%
United Kingdom of Great Britain and Northern Ireland Bottom 25% Dividend Yield 25th Percentile 2%
United Kingdom of Great Britain and Northern Ireland Top 25% Dividend Yield 75th Percentile 5.1%

Industry and Market average data is calculated daily.

Note all dividend per share amounts are annualized and not quarterly or other period.

LSE:0R4W Future Dividends Estimate Data
Date (Data in €) Dividend per Share (annual) Avg. No. Analysts
2021-12-31 0.38 1.00
2020-12-31 0.37 3.00
2019-12-31 0.26 2.00
LSE:0R4W Past Annualized Dividends Data
Date (Data in €) Dividend per share (annual) Avg. Yield (%)
2019-03-27 0.180 1.474
2018-03-27 0.180 1.370
2017-05-04 0.120 0.478
2016-03-31 0.100 0.551
2015-11-30 0.000 0.000
2015-11-12 0.000 0.000
2015-08-31 0.000 0.000
2015-08-13 0.000 0.000
2015-05-13 0.000 0.000
2015-03-27 0.050 0.213
2015-02-06 0.050 0.261

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Whilst dividend payments have been stable, Ferratum Oyj has been paying a dividend for less than 10 years.
  • Dividend payments have increased, but Ferratum Oyj only paid a dividend in the past 4 years.
Current Payout to shareholders
What portion of Ferratum Oyj's earnings are paid to the shareholders as a dividend.
  • Dividends paid are well covered by earnings (5x coverage).
Future Payout to shareholders
  • Dividends after 3 years are expected to be well covered by earnings (5x coverage).
X
Income/ dividend checks
We assess Ferratum Oyj's dividend by checking for:
  1. Firstly is the company paying a notable dividend (greater than 1%) - if not then the rest of the checks are ignored.
  2. Is current dividend yield above the bottom 25% of dividend payers? (1 check)
  3. Is current dividend yield above the top 25% of dividend payers? (1 check)
  4. Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
  5. If they have paid a dividend for 10 years has it increased in this time? (1 check)
  6. How sustainable is the dividend, can Ferratum Oyj afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
  7. Ferratum Oyj has a total score of 2/6, see the detailed checks below.


Full details on the Dividends part of the Simply Wall St company analysis model.

Management

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

Management is one of the most important areas of a company. We look at unreasonable CEO compensation, how long the team and board of directors have been around for and insider trading.
CEO
Jorma Jokela
COMPENSATION €208,000
AGE 38
TENURE AS CEO 14.3 years
CEO Bio

Mr. Jorma Jokela serves as the President of the Management Board at Ferratum Capital Poland S.A. Mr. Jokela is a Founder of Ferratum Oyj. Mr. Jokela has been Chief Executive Officer at Ferratum Oyj (Ferratum Group) since 2005. He serves as Chief Executive Officer of Ferratum Capital Germany Gmbh. He founded Ferratum Group in 2005. He has 15 years of experience as a fast-track entrepreneur. He serves as Deputy Chairman of Ferratum Oyj. Mr. Jokela serves as deputy chairman at Ferratum Oyj and has been its Director since 2005. He serves as a Director of Ferratum Capital Germany Gmbh.

CEO Compensation
  • Jorma's compensation has been consistent with company performance over the past year.
  • Jorma's remuneration is lower than average for companies of similar size in United Kingdom of Great Britain and Northern Ireland.
Management Team Tenure

Average tenure and age of the Ferratum Oyj management team in years:

3.8
Average Tenure
44.5
Average Age
  • The tenure for the Ferratum Oyj management team is about average.
Management Team

Jorma Jokela

TITLE
Founder
COMPENSATION
€208K
AGE
38
TENURE
14.3 yrs

Lea Liigus

TITLE
Head of Legal & Compliance and Director
COMPENSATION
€206K
AGE
46
TENURE
13.3 yrs

Clemens-Matthias Krause

TITLE
CFO & Chief Risk Officer
AGE
56

Ari Tiukkanen

TITLE
Chief Operations Officer
AGE
57

Paul Wasastjerna

TITLE
Head of Investor Relations
TENURE
4.1 yrs

Emmi Kyykkä

TITLE
Head of Group Communications & Investor Relations
TENURE
0.3 yrs

Outi Ellilä

TITLE
Head of Marketing & Customer Experience
AGE
37
TENURE
0.6 yrs

Marius Solescu

TITLE
Head of Human Resources
AGE
43
TENURE
0.6 yrs

Saku Eero Timonen

TITLE
Chief Commercial Officer
AGE
46

Marko Tuominen

TITLE
Head of Risk & New Business
AGE
36
TENURE
3.8 yrs
Board of Directors Tenure

Average tenure and age of the Ferratum Oyj board of directors in years:

10.3
Average Tenure
52
Average Age
  • The average tenure for the Ferratum Oyj board of directors is over 10 years, this suggests they are a seasoned and experienced board.
Board of Directors

Pieter van Groos

TITLE
Chairman
COMPENSATION
€121K
AGE
57

Jorma Jokela

TITLE
Founder
COMPENSATION
€208K
AGE
38

Lea Liigus

TITLE
Head of Legal & Compliance and Director
COMPENSATION
€206K
AGE
46
TENURE
13.3 yrs

Erik Ferm

TITLE
Director
COMPENSATION
€23K
AGE
52
TENURE
7.3 yrs

Juhani Vanhala

TITLE
Director
COMPENSATION
€23K
AGE
64
TENURE
14.3 yrs

Christopher Wang

TITLE
Director
COMPENSATION
€18K
TENURE
1.9 yrs
Who owns this company?
Recent Insider Trading
  • No 3 month insider trading information.
Recent Insider Transactions
Announced Type Name Entity Role Start End Shares Max Price (€) Value (€)
X
Management checks
We assess Ferratum Oyj's management by checking for:
  1. Is the CEO's compensation unreasonable compared to market cap? (1 check)
  2. Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
  3. Is the average tenure of the management team less than 2 years? (1 check)
  4. Is the average tenure of the board of directors team less than 3 years? (1 check)
  5. Ferratum Oyj has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.


Note: We use the top 6 management executives and board members in our calculations.

Note 2: Insider trading include any internal stakeholders and these transactions .

Full details on the Management part of the Simply Wall St company analysis model.

News

Simply Wall St News

Company Info

Description

Ferratum Oyj, together with its subsidiaries, provides mobile banking, and digital consumer and small business loans. Its loan portfolio consists of microloans, PLUS loans, and revolving credit facilities; and working capital loans to small and medium sized businesses. The company also offers mobile banking products, such as term deposits and other products. It operates in Finland, Europe, North America, South America, Africa, and the Asia-Pacific region. The company was founded in 2005 and is headquartered in Helsinki, Finland.

Details
Name: Ferratum Oyj
0R4W
Exchange: LSE
Founded: 2005
€265,394,900
20,996,432
Website: http://www.ferratumgroup.com
Address: Ferratum Oyj
Ratamestarinkatu 11 A,
Helsinki,
Uusimaa, 00520,
Finland
Listings
Exchange Symbol Ticker Symbol Security Exchange Country Currency Listed on
XTRA FRU Ordinary Shares XETRA Trading Platform DE EUR 22. Jan 2015
DB FRU Ordinary Shares Deutsche Boerse AG DE EUR 22. Jan 2015
LSE 0R4W Ordinary Shares London Stock Exchange GB EUR 22. Jan 2015
Number of employees
Current staff
Staff numbers
853
Ferratum Oyj employees.
Industry
Consumer Finance
Diversified Financials
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2019/04/24 22:50
End of day share price update: 2019/04/05 00:00
Last estimates confirmation: 2019/04/16
Last earnings filing: 2019/03/27
Last earnings reported: 2018/12/31
Last annual earnings reported: 2018/12/31


All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.

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.