BVT Stock Overview
BVT S.A. engages in the collection of mass debt portfolios.
Price History & Performance
|Historical stock prices|
|Current Share Price||zł0.23|
|52 Week High||zł1.20|
|52 Week Low||zł0.20|
|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
|BVT||PL Consumer Finance||PL Market|
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.
|BVT Average Weekly Movement||13.1%|
|Consumer Finance Industry Average Movement||6.2%|
|Market Average Movement||6.6%|
|10% most volatile stocks in PL Market||12.1%|
|10% least volatile stocks in PL Market||4.3%|
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
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
|BVT fundamental statistics|
Is BVT overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|BVT income statement (TTM)|
|Cost of Revenue||zł102.17k|
Last Reported Earnings
Mar 31, 2022
Next Earnings Date
Aug 16, 2022
|Earnings per share (EPS)||-0.029|
|Net Profit Margin||-11.12%|
How did BVT perform over the long term?See historical performance and comparison
Is BVT undervalued compared to its fair value, analyst forecasts and its price relative to the market?
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
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.
|What is BVT's n/a Ratio?|
Price to Book Ratio vs Peers
How does BVT's PB Ratio compare to its peers?
|BVT PB Ratio vs Peers|
|Company||PB||Estimated Growth||Market Cap|
KPI Kancelaria Prawna-Inkaso WEC Spólka Akcyjna
FEM Femion Technology
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.
|Current PB Ratio||1.8x|
|Fair PB Ratio||n/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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How is BVT forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
Future Growth Score0/6
Future Growth Score 0/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
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.
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How has BVT performed over the past 5 years?
Past Performance Score0/6
Past Performance Score 0/6
Growing Profit Margin
Earnings vs Industry
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
How is BVT's financial position?
Financial Health Score2/6
Financial Health Score 2/6
Short Term Liabilities
Long Term Liabilities
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).
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What is BVT current dividend yield, its reliability and sustainability?
Dividend Score 0/6
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
How experienced are the management team and are they aligned to shareholders interests?
Mr. Robert Gadek serves as President of Management Board at BVT S.A.
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 2.3%.
BVT S.A.'s employee growth, exchange listings and data sources
- 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
- BVT S.A.
- ul. Sloneczna 28-30
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/08/04 00:00|
|End of Day Share Price||2022/08/04 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.