Fast Finance
Market Cap
zł2.0m
Last Updated
2020/10/30 22:14 UTC
Data Sources
Company Financials
Executive Summary
Fast Finance S.A. engages in the recovery of consumer debt portfolios acquired from regulated market participants, including banks and telecoms. More Details
Rewards
Risk Analysis
+ 1 more risk
Snowflake Analysis
Slightly overvalued with weak fundamentals.
Share Price & News
How has Fast Finance's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: FFI's share price has been volatile over the past 3 months.
Market Performance
7 Day Return
-21.6%
FFI
-18.1%
PL Consumer Finance
-8.5%
PL Market
1 Year Return
n/a
FFI
-21.8%
PL Consumer Finance
-24.6%
PL Market
Return vs Industry: Insufficient data to determine how FFI performed against the Polish Consumer Finance industry.
Return vs Market: Insufficient data to determine how FFI performed against the Polish Market.
Shareholder returns
| FFI | Industry | Market | |
|---|---|---|---|
| 7 Day | -21.6% | -18.1% | -8.5% |
| 30 Day | -45.7% | -14.1% | -12.9% |
| 90 Day | 3.2% | -12.4% | -15.7% |
| 1 Year | n/a | -21.8%-21.8% | -23.9%-24.6% |
| 3 Year | -94.9%-94.9% | -59.2%-61.3% | -33.5%-37.5% |
| 5 Year | -87.1%-87.1% | -35.6%-39.7% | -20.8%-29.5% |
Price Volatility Vs. Market
How volatile is Fast Finance's share price compared to the market and industry in the last 5 years?
Simply Wall St News
4 months ago | Simply Wall St
What Kind Of Shareholder Appears On The Fast Finance S.A.'s (WSE:FFI) Shareholder Register?Valuation
Is Fast Finance undervalued compared to its fair value and its price relative to the market?
>50%
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: FFI (PLN1.63) is trading below our estimate of fair value (PLN12.58)
Significantly Below Fair Value: FFI is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: FFI is unprofitable, so we can't compare its PE Ratio to the PL Consumer Finance industry average.
PE vs Market: FFI is unprofitable, so we can't compare its PE Ratio to the Polish market.
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate FFI's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: FFI has negative assets, so we can't compare its PB Ratio to the PL Consumer Finance industry average.
Next Steps
Future Growth
How is Fast Finance forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
30.7%
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 Fast 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.
Next Steps
- Take a look at our analysis of FFI’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.
- Fast Finance competitive advantages and company strategy can generally be found in its financial reports archived here.
- Explore growth companies in the Diversified Financials industry.
Past Performance
How has Fast Finance performed over the past 5 years?
-56.5%
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: FFI is currently unprofitable.
Growing Profit Margin: FFI is currently unprofitable.
Past Earnings Growth Analysis
Earnings Trend: FFI is unprofitable, and losses have increased over the past 5 years at a rate of 56.5% per year.
Accelerating Growth: Unable to compare FFI's earnings growth over the past year to its 5-year average as it is currently unprofitable
Earnings vs Industry: FFI is unprofitable, making it difficult to compare its past year earnings growth to the Consumer Finance industry (-63.3%).
Return on Equity
High ROE: FFI's liabilities exceed its assets, so it is difficult to calculate its Return on Equity.
Next Steps
Financial Health
How is Fast Finance's financial position?
Financial Position Analysis
Short Term Liabilities: FFI has negative shareholder equity, which is a more serious situation than short term assets not covering short term liabilities.
Long Term Liabilities: FFI has negative shareholder equity, which is a more serious situation than short term assets not covering long term liabilities.
Debt to Equity History and Analysis
Debt Level: FFI has negative shareholder equity, which is a more serious situation than a high debt level.
Reducing Debt: FFI's has negative shareholder equity, so we do not need to check if its debt has reduced over time.
Balance Sheet
Cash Runway Analysis
For companies that have on average been loss making in the past we assess whether they have at least 1 year of cash runway.
Stable Cash Runway: FFI has less than a year of cash runway based on its current free cash flow.
Forecast Cash Runway: FFI has less than a year of cash runway if free cash flow continues to reduce at historical rates of 32.2% each year
Next Steps
Dividend
What is Fast Finance current dividend yield, its reliability and sustainability?
Dividend Yield vs Market
Notable Dividend: Unable to evaluate FFI's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate FFI'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 FFI's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if FFI'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 FFI's dividend in 3 years as they are not forecast to pay a notable one for the Polish market.
Next Steps
Management
How experienced are the management team and are they aligned to shareholders interests?
2.8yrs
Average board tenure
CEO
Andrzej Kielczewski
no data
Tenure
Mr. Andrzej Kielczewski has been an Advisor for the Management Board of LUKAS Bank since 2006. He serves as President of the Management Board at Fast Finance S.A since 2018. Mr. Kielczewski has gained his ...
Board Members
| Name | Position | Tenure | Compensation | Ownership |
|---|---|---|---|---|
| Member of the Supervisory Board | 2.75yrs | no data | no data | |
| Member of the Supervisory Board | 2.75yrs | no data | no data | |
| Member of the Supervisory Board | 2.75yrs | no data | no data | |
| Member of the Supervisory Board | 2.75yrs | no data | no data | |
| Member of the Supervisory Board | 2.75yrs | no data | no data | |
| Member of the Supervisory Board | 2.75yrs | no data | no data |
2.8yrs
Average Tenure
Experienced Board: FFI's board of directors are not considered experienced ( 2.8 years average tenure), which suggests a new board.
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 not been meaningfully diluted in the past year.
Top Shareholders
Company Information
Fast Finance S.A.'s company bio, employee growth, exchange listings and data sources
Key Information
- Name: Fast Finance S.A.
- Ticker: FFI
- Exchange: WSE
- Founded: 2004
- Industry: Consumer Finance
- Sector: Diversified Financials
- Market Cap: zł2.038m
- Shares outstanding: 1.25m
- Website: https://www.fastfinance.pl
Number of Employees
Location
- Fast Finance S.A.
- Ul. Wolowska 20
- Wroclaw
- 51-116
- Poland
Listings
| Ticker | Exchange | Primary Security | Security Type | Country | Currency | Listed on |
|---|---|---|---|---|---|---|
| FFI | WSE (Warsaw Stock Exchange) | Yes | Bearer Shares | PL | PLN | May 2008 |
Biography
Fast Finance S.A. engages in the recovery of consumer debt portfolios acquired from regulated market participants, including banks and telecoms. It also operates as an issuer of corporate bonds on the cata ...
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2020/10/30 22:14 |
| End of Day Share Price | 2020/10/30 00:00 |
| Earnings | 2020/06/30 |
| Annual Earnings | 2019/12/31 |
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.