company background image
DTX

DITIX WSE:DTX Stock Report

Last Price

zł0.17

Market Cap

zł3.2m

7D

0.9%

1Y

-35.0%

Updated

14 Aug, 2022

Data

Company Financials
DTX fundamental analysis
Snowflake Score
Valuation2/6
Future Growth0/6
Past Performance0/6
Financial Health5/6
Dividends0/6

DTX Stock Overview

DITIX S.A. provides debt collection, financial intermediation, and advisory services in the field of financial services.

DITIX Competitors

Price History & Performance

Summary of all time highs, changes and price drops for DITIX
Historical stock prices
Current Share Pricezł0.17
52 Week Highzł0.28
52 Week Lowzł0.13
Beta1.39
1 Month Change13.81%
3 Month Change6.29%
1 Year Change-35.00%
3 Year Change15.36%
5 Year Changen/a
Change since IPO-88.10%

Recent News & Updates

Shareholder Returns

DTXPL Consumer FinancePL Market
7D0.9%6.5%3.7%
1Y-35.0%-6.8%-21.2%

Return vs Industry: DTX underperformed the Polish Consumer Finance industry which returned -6.8% over the past year.

Return vs Market: DTX underperformed the Polish Market which returned -21.2% over the past year.

Price Volatility

Is DTX's price volatile compared to industry and market?
DTX volatility
DTX Average Weekly Movement11.5%
Consumer Finance Industry Average Movement5.7%
Market Average Movement6.3%
10% most volatile stocks in PL Market12.1%
10% least volatile stocks in PL Market4.2%

Stable Share Price: DTX is more volatile than 75% of Polish stocks over the past 3 months, typically moving +/- 12% a week.

Volatility Over Time: DTX's weekly volatility (12%) has been stable over the past year, but is still higher than 75% of Polish stocks.

About the Company

FoundedEmployeesCEOWebsite
20153Bogdan Dzimirahttps://www.ditix.pl

DITIX S.A. provides debt collection, financial intermediation, and advisory services in the field of financial services. The company was founded in 2015 and is based in Warsaw, Poland.

DITIX Fundamentals Summary

How do DITIX's earnings and revenue compare to its market cap?
DTX fundamental statistics
Market Capzł3.16m
Earnings (TTM)-zł177.97k
Revenue (TTM)zł377.56k

8.4x

P/S Ratio

-17.8x

P/E Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
DTX income statement (TTM)
Revenuezł377.56k
Cost of Revenuezł14.82k
Gross Profitzł362.75k
Other Expenseszł540.71k
Earnings-zł177.97k

Last Reported Earnings

Dec 31, 2021

Next Earnings Date

Nov 14, 2022

Earnings per share (EPS)-0.0095
Gross Margin96.08%
Net Profit Margin-47.14%
Debt/Equity Ratio5.7%

How did DTX perform over the long term?

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

Valuation

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

Valuation Score

2/6

Valuation Score 2/6

  • 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 DTX?

Other financial metrics that can be useful for relative valuation.

DTX 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/Revenue8.6x
Enterprise Value/EBITDA-28.5x
PEG Ration/a

Price to Book Ratio vs Peers

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

DTX PB Ratio vs Peers
The above table shows the PB ratio for DTX vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyPBEstimated GrowthMarket Cap
Peer Average1.4x
BVT BVT
1.8xn/azł2.6m
WRL Wierzyciel
0.5xn/azł4.3m
KPI Kancelaria Prawna-Inkaso WEC Spólka Akcyjna
2.5xn/azł13.8m
INS Indos
0.7xn/azł23.1m
DTX DITIX
1.3xn/azł3.2m

Price-To-Book vs Peers: DTX is good value based on its Price-To-Book Ratio (1.3x) compared to the peer average (1.4x).


Price to Earnings Ratio vs Industry

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

Price-To-Book vs Industry: DTX is good value based on its Price-To-Book Ratio (1.3x) compared to the Polish Consumer Finance industry average (1.7x)


Price to Book Ratio vs Fair Ratio

What is DTX'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.

DTX PB Ratio vs Fair Ratio.
Fair Ratio
Current PB Ratio1.3x
Fair PB Ration/a

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


Share Price vs Fair Value

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

Below Fair Value: DTX (PLN0.17) is trading above our estimate of fair value (PLN0.02)

Significantly Below Fair Value: DTX is trading above our estimate of fair value.


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.


Discover undervalued companies

Future Growth

How is DITIX 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


12.6%

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 DITIX 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

  • Examine DITIX'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.
  • DITIX competitive advantages and company strategy can generally be found in its financial reports archived here.

Past Performance

How has DITIX 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


-63.3%

Historical annual earnings growth

Earnings and Revenue History

Quality Earnings: DTX is currently unprofitable.

Growing Profit Margin: DTX is currently unprofitable.


Past Earnings Growth Analysis

Earnings Trend: DTX is unprofitable, and losses have increased over the past 5 years at a rate of 63.3% per year.

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

Earnings vs Industry: DTX is unprofitable, making it difficult to compare its past year earnings growth to the Consumer Finance industry (35.7%).


Return on Equity

High ROE: DTX has a negative Return on Equity (-7.35%), as it is currently unprofitable.


Discover strong past performing companies

Financial Health

How is DITIX's financial position?

Financial Health Score

5/6

Financial Health Score 5/6

  • Short Term Liabilities

  • Long Term Liabilities

  • Debt Level

  • Reducing Debt

  • Debt Coverage

  • Interest Coverage

Financial Position Analysis

Short Term Liabilities: DTX's short term assets (PLN2.2M) exceed its short term liabilities (PLN270.4K).

Long Term Liabilities: DTX's short term assets (PLN2.2M) exceed its long term liabilities (PLN177.5K).


Debt to Equity History and Analysis

Debt Level: DTX's net debt to equity ratio (3.5%) is considered satisfactory.

Reducing Debt: DTX's debt to equity ratio has reduced from 69.4% to 5.7% over the past 5 years.

Debt Coverage: DTX's debt is well covered by operating cash flow (63%).

Interest Coverage: Insufficient data to determine if DTX's interest payments on its debt are well covered by EBIT.


Balance Sheet


Discover healthy companies

Dividend

What is DITIX 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 DTX's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.

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

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


Earnings Payout to Shareholders

Earnings Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.


Cash Payout to Shareholders

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


Discover strong dividend paying companies

Management

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

3.2yrs

Average board tenure


CEO

Bogdan Dzimira

3.08yrs

Tenure

Mr. Bogdan Dzimira serves as President of Management Board at DITIX S.A. since October 14, 2020. He served as Vice President of Management Board at DITIX S.A. (formerly known as FTI Profit S.A.) since July...


Board Members

Experienced Board: DTX's board of directors are considered experienced (3.2 years average tenure).


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 16.9%.


Top Shareholders

Company Information

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


Key Information

  • Name: DITIX S.A.
  • Ticker: DTX
  • Exchange: WSE
  • Founded: 2015
  • Industry: Consumer Finance
  • Sector: Diversified Financials
  • Implied Market Cap: zł3.158m
  • Shares outstanding: 18.69m
  • Website: https://www.ditix.pl

Number of Employees


Location

  • DITIX S.A.
  • ul. Zlota 59
  • Warsaw
  • 00-120
  • Poland

Listings


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2022/08/14 00:00
End of Day Share Price2022/08/12 00:00
Earnings2021/12/31
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.