Dr.Finance S.A. provides financial products and services for individuals and businesses in Poland. More Details
+ 1 more risk
Excellent balance sheet with questionable track record.
Share Price & News
How has Dr.Finance's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: DRF's share price has been volatile over the past 3 months.
7 Day Return
PL Capital Markets
1 Year Return
PL Capital Markets
Return vs Industry: DRF exceeded the Polish Capital Markets industry which returned 96.6% over the past year.
Return vs Market: DRF exceeded the Polish Market which returned -17.1% over the past year.
Price Volatility Vs. Market
How volatile is Dr.Finance's share price compared to the market and industry in the last 5 years?
Simply Wall St News
1 month ago | Simply Wall StDr.Finance S.A.'s (WSE:DRF) 33% Price Boost Is Out Of Tune With Earnings
2 months ago | Simply Wall StDr.Finance S.A.'s (WSE:DRF) Price Is Out Of Tune With Earnings
3 months ago | Simply Wall StDr.Finance S.A. (WSE:DRF) Investors Are Less Pessimistic Than Expected
Is Dr.Finance 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: DRF (PLN1.19) is trading above our estimate of fair value (PLN0.71)
Significantly Below Fair Value: DRF is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: DRF is poor value based on its PE Ratio (52.5x) compared to the PL Capital Markets industry average (12.6x).
PE vs Market: DRF is poor value based on its PE Ratio (52.5x) compared to the Polish market (12.4x).
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate DRF's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: DRF is overvalued based on its PB Ratio (6.4x) compared to the PL Capital Markets industry average (2.1x).
How is Dr.Finance forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
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 Dr.Finance 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.
- Examine Dr.Finance's financial health to determine how well-positioned it is against times of financial stress by looking at its level of debt over time and how much cash it has left.
- Dr.Finance competitive advantages and company strategy can generally be found in its financial reports archived here.
- Explore growth companies in the Diversified Financials industry.
How has Dr.Finance performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: DRF has high quality earnings.
Growing Profit Margin: DRF's current net profit margins (1.2%) are lower than last year (2.6%).
Past Earnings Growth Analysis
Earnings Trend: DRF has become profitable over the past 5 years, growing earnings by 0.9% per year.
Accelerating Growth: DRF's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: DRF had negative earnings growth (-52.7%) over the past year, making it difficult to compare to the Capital Markets industry average (12.7%).
Return on Equity
High ROE: DRF's Return on Equity (12.1%) is considered low.
How is Dr.Finance's financial position?
Financial Position Analysis
Short Term Liabilities: DRF's short term assets (PLN867.0K) exceed its short term liabilities (PLN188.4K).
Long Term Liabilities: DRF's short term assets (PLN867.0K) do not cover its long term liabilities (PLN-100.0).
Debt to Equity History and Analysis
Debt Level: DRF's debt to equity ratio (5.7%) is considered satisfactory.
Reducing Debt: DRF had negative shareholder equity 5 years ago, but is now positive and has therefore improved.
Debt Coverage: DRF's debt is well covered by operating cash flow (161%).
Interest Coverage: DRF's interest payments on its debt are well covered by EBIT (572x coverage).
What is Dr.Finance current dividend yield, its reliability and sustainability?
Dividend Yield vs Market
Notable Dividend: Unable to evaluate DRF's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate DRF'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 DRF's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if DRF's dividend payments have been increasing.
Current Payout to Shareholders
Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of DRF's dividend in 3 years as they are not forecast to pay a notable one for the Polish market.
How experienced are the management team and are they aligned to shareholders interests?
Average board tenure
Mr. Pawel Wozniak serves as President of Management Board of Dr.Finance S.A. (formerly known as Doradcy24 S.A.) Mr. Wozniak has been President of the Management Board at Polcredito Sp. z o.o. since 2010. H ...
|Secretary of the Supervisory Board & Member of the Supervisory Board||1.75yrs||no data||no data|
|Chairman of Supervisory Board||no data||no data||0.14% |
|Vice Chairman of Supervisory Board||1.75yrs||no data||no data|
|Member of the Supervisory Board||4.5yrs||no data||no data|
|Member of the Supervisory Board||no data||no data||no data|
Experienced Board: DRF's board of directors are not considered experienced ( 1.8 years average tenure), which suggests a new board.
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 10.7%.
Dr.Finance S.A.'s company bio, employee growth, exchange listings and data sources
- Name: Dr.Finance S.A.
- Ticker: DRF
- Exchange: WSE
- Industry: Asset Management and Custody Banks
- Sector: Diversified Financials
- Market Cap: zł4.450m
- Shares outstanding: 3.74m
- Website: https://drfinance.pl
Number of Employees
- Dr.Finance S.A.
- ul. Legnicka 17/27
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|DRF||WSE (Warsaw Stock Exchange)||Yes||Common Bearer Shares||PL||PLN||Jul 2008|
Dr.Finance S.A. provides financial products and services for individuals and businesses in Poland. It offers mortgages, cash and car loans, investment and insurance products, revolving credit, credit for d ...
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/10/24 21:47|
|End of Day Share Price||2020/10/23 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.