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BVT

BVT WSE:BVT Stock Report

Last Price

zł0.23

Market Cap

zł2.6m

7D

-3.3%

1Y

-77.3%

Updated

04 Aug, 2022

Data

Company Financials
BVT fundamental analysis
Snowflake Score
Valuation1/6
Future Growth0/6
Past Performance0/6
Financial Health2/6
Dividends0/6

BVT Stock Overview

BVT S.A. engages in the collection of mass debt portfolios.

BVT Competitors

Price History & Performance

Summary of all time highs, changes and price drops for BVT
Historical stock prices
Current Share Pricezł0.23
52 Week Highzł1.20
52 Week Lowzł0.20
Beta0.52
1 Month Change-3.33%
3 Month Change-16.85%
1 Year Change-77.26%
3 Year Change-56.23%
5 Year Change-61.33%
Change since IPO-84.94%

Recent News & Updates

Shareholder Returns

BVTPL Consumer FinancePL Market
7D-3.3%0.1%2.1%
1Y-77.3%-15.2%-22.5%

Return vs Industry: BVT underperformed the Polish Consumer Finance industry which returned -14.5% over the past year.

Return vs Market: BVT underperformed the Polish Market which returned -21.7% over the past year.

Price Volatility

Is BVT's price volatile compared to industry and market?
BVT volatility
BVT Average Weekly Movement13.1%
Consumer Finance Industry Average Movement6.2%
Market Average Movement6.6%
10% most volatile stocks in PL Market12.1%
10% least volatile stocks in PL Market4.3%

Stable Share Price: BVT is more volatile than 90% of Polish stocks over the past 3 months, typically moving +/- 13% a week.

Volatility Over Time: BVT's weekly volatility (13%) has been stable over the past year, but is still higher than 75% of Polish stocks.

About the Company

FoundedEmployeesCEOWebsite
n/a25Robert Gadekhttps://www.bvtsa.com.pl

BVT S.A. engages in the collection of mass debt portfolios. It serves transport, telecommunications, banking, loans, and insurance industries. The company is based in Tarnów, Poland.

BVT Fundamentals Summary

How do BVT's earnings and revenue compare to its market cap?
BVT fundamental statistics
Market Capzł2.63m
Earnings (TTM)-zł329.10k
Revenue (TTM)zł2.96m

0.9x

P/S Ratio

-8.0x

P/E Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
BVT income statement (TTM)
Revenuezł2.96m
Cost of Revenuezł102.17k
Gross Profitzł2.86m
Other Expenseszł3.19m
Earnings-zł329.10k

Last Reported Earnings

Mar 31, 2022

Next Earnings Date

Aug 16, 2022

Earnings per share (EPS)-0.029
Gross Margin96.55%
Net Profit Margin-11.12%
Debt/Equity Ratio450.0%

How did BVT perform over the long term?

See historical performance and comparison
We’ve recently updated our valuation analysis.

Valuation

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

Valuation Score

1/6

Valuation Score 1/6

  • Price-To-Book vs Peers

  • Price-To-Book vs Industry

  • Price-To-Book vs Fair Ratio

  • Below Fair Value

  • Significantly Below Fair Value

  • Analyst Forecast

Key Valuation Metric

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

Other financial metrics that can be useful for relative valuation.

BVT 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/Revenue3x
Enterprise Value/EBITDA29.8x
PEG Ration/a

Price to Book Ratio vs Peers

How does BVT's PB Ratio compare to its peers?

BVT PB Ratio vs Peers
The above table shows the PB ratio for BVT vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyPBEstimated GrowthMarket Cap
Peer Average12.4x
DTX DITIX
1.2xn/azł2.8m
WRL Wierzyciel
0.5xn/azł4.5m
KPI Kancelaria Prawna-Inkaso WEC Spólka Akcyjna
2.4xn/azł12.8m
FEM Femion Technology
45.4xn/azł28.8m
BVT BVT
1.8xn/azł2.6m

Price-To-Book vs Peers: BVT is good value based on its Price-To-Book Ratio (1.8x) compared to the peer average (12.4x).


Price to Earnings Ratio vs Industry

How does BVT's PE Ratio compare vs other companies in the European Consumer Finance Industry?

Price-To-Book vs Industry: BVT is expensive based on its Price-To-Book Ratio (1.8x) compared to the Polish Consumer Finance industry average (1.7x)


Price to Book Ratio vs Fair Ratio

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

BVT PB Ratio vs Fair Ratio.
Fair Ratio
Current PB Ratio1.8x
Fair PB Ration/a

Price-To-Book vs Fair Ratio: Insufficient data to calculate BVT's Price-To-Book Fair Ratio for valuation analysis.


Share Price vs Fair Value

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

Below Fair Value: Insufficient data to calculate BVT's fair value for valuation analysis.

Significantly Below Fair Value: Insufficient data to calculate BVT's fair value 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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Future Growth

How is BVT forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

Future Growth Score

0/6

Future Growth Score 0/6

  • Earnings vs Savings Rate

  • Earnings vs Market

  • High Growth Earnings

  • Revenue vs Market

  • High Growth Revenue

  • Future ROE


12.8%

Forecasted Diversified Financials industry annual growth in earnings

In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as BVT has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.


Discover growth companies

  • Take a look at our analysis of BVT’s management and see if the CEO’s compensation is within a reasonable range, who is on the board and if insiders have been trading lately.
  • BVT competitive advantages and company strategy can generally be found in its financial reports archived here.

Past Performance

How has BVT performed over the past 5 years?

Past Performance Score

0/6

Past Performance Score 0/6

  • Quality Earnings

  • Growing Profit Margin

  • Earnings Trend

  • Accelerating Growth

  • Earnings vs Industry

  • High ROE


-10.0%

Historical annual earnings growth

Earnings and Revenue History

Quality Earnings: BVT is currently unprofitable.

Growing Profit Margin: BVT is currently unprofitable.


Past Earnings Growth Analysis

Earnings Trend: BVT is unprofitable, and losses have increased over the past 5 years at a rate of 10% per year.

Accelerating Growth: Unable to compare BVT's earnings growth over the past year to its 5-year average as it is currently unprofitable

Earnings vs Industry: BVT is unprofitable, making it difficult to compare its past year earnings growth to the Consumer Finance industry (27.6%).


Return on Equity

High ROE: BVT has a negative Return on Equity (-22.79%), as it is currently unprofitable.


Discover strong past performing companies

Financial Health

How is BVT's financial position?

Financial Health Score

2/6

Financial Health Score 2/6

  • Short Term Liabilities

  • Long Term Liabilities

  • Debt Level

  • Reducing Debt

  • Debt Coverage

  • Interest Coverage

Financial Position Analysis

Short Term Liabilities: BVT's short term assets (PLN25.4M) exceed its short term liabilities (PLN22.0M).

Long Term Liabilities: BVT's short term assets (PLN25.4M) exceed its long term liabilities (PLN3.3M).


Debt to Equity History and Analysis

Debt Level: BVT's net debt to equity ratio (434.3%) is considered high.

Reducing Debt: BVT's debt to equity ratio has increased from 260.4% to 450% over the past 5 years.

Debt Coverage: BVT's debt is not well covered by operating cash flow (4.2%).

Interest Coverage: BVT's interest payments on its debt are not well covered by EBIT (0.6x coverage).


Balance Sheet


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Dividend

What is BVT current dividend yield, its reliability and sustainability?

Dividend Score

0/6

Dividend Score 0/6

  • Notable Dividend

  • High Dividend

  • Stable Dividend

  • Growing Dividend

  • Earnings Coverage

  • Cash Flow Coverage

Dividend Yield vs Market

Notable Dividend: Unable to evaluate BVT's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.

High Dividend: Unable to evaluate BVT'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 BVT's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if BVT's dividend payments have been increasing.


Earnings Payout to Shareholders

Earnings Coverage: BVT is not paying a notable dividend for the Polish market.


Cash Payout to Shareholders

Cash Flow Coverage: Unable to calculate sustainability of dividends as BVT has not reported any payouts.


Discover strong dividend paying companies

Management

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


CEO

Robert Gadek

no data

Tenure

Mr. Robert Gadek serves as President of Management Board at BVT S.A.


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 been diluted in the past year, with total shares outstanding growing by 2.3%.


Top Shareholders

Company Information

BVT S.A.'s employee growth, exchange listings and data sources


Key Information

  • Name: BVT S.A.
  • Ticker: BVT
  • Exchange: WSE
  • Founded: NaN
  • Industry: Consumer Finance
  • Sector: Diversified Financials
  • Implied Market Cap: zł2.628m
  • Shares outstanding: 11.33m
  • Website: https://www.bvtsa.com.pl

Number of Employees


Location

  • BVT S.A.
  • ul. Sloneczna 28-30
  • Tarnów
  • 33-100
  • Poland

Listings


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2022/08/04 00:00
End of Day Share Price2022/08/04 00:00
Earnings2022/03/31
Annual Earnings2021/12/31


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.