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FFI

Fast Finance WSE:FFI Stock Report

Last Price

zł0.57

Market Cap

zł718.8k

7D

-1.7%

1Y

-60.9%

Updated

05 Aug, 2022

Data

Company Financials
FFI fundamental analysis
Snowflake Score
Valuation2/6
Future Growth0/6
Past Performance0/6
Financial Health0/6
Dividends0/6

FFI Stock Overview

Fast Finance S.A. engages in the recovery of consumer debt portfolios acquired from regulated market participants, including banks and telecoms.

Fast Finance Competitors

Price History & Performance

Summary of all time highs, changes and price drops for Fast Finance
Historical stock prices
Current Share Pricezł0.57
52 Week Highzł1.47
52 Week Lowzł0.48
Beta0.37
1 Month Change-4.17%
3 Month Change-11.54%
1 Year Change-60.88%
3 Year Changen/a
5 Year Change-98.02%
Change since IPO-99.05%

Recent News & Updates

Shareholder Returns

FFIPL Consumer FinancePL Market
7D-1.7%0.1%2.1%
1Y-60.9%-15.2%-22.5%

Return vs Industry: FFI underperformed the Polish Consumer Finance industry which returned -15.2% over the past year.

Return vs Market: FFI underperformed the Polish Market which returned -22.5% over the past year.

Price Volatility

Is FFI's price volatile compared to industry and market?
FFI volatility
FFI Average Weekly Movementn/a
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: Insufficient data to determine FFI's volatility over the past 3 months.

Volatility Over Time: Insufficient data to determine FFI's volatility change over the past year.

About the Company

FoundedEmployeesCEOWebsite
200418n/ahttps://www.fastfinance.pl

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 catalyst market. Fast Finance S.A. was founded in 2004 and is based in Wroclaw, Poland.

Fast Finance Fundamentals Summary

How do Fast Finance's earnings and revenue compare to its market cap?
FFI fundamental statistics
Market Capzł718.75k
Earnings (TTM)-zł599.00k
Revenue (TTM)zł6.13m

0.1x

P/S Ratio

-1.2x

P/E Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
FFI income statement (TTM)
Revenuezł6.13m
Cost of Revenue-zł16.00k
Gross Profitzł6.14m
Other Expenseszł6.74m
Earnings-zł599.00k

Last Reported Earnings

Mar 31, 2022

Next Earnings Date

Sep 23, 2022

Earnings per share (EPS)-0.48
Gross Margin100.26%
Net Profit Margin-9.78%
Debt/Equity Ratio-32.4%

How did FFI perform over the long term?

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

Valuation

Is FFI 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 FFI?

Other financial metrics that can be useful for relative valuation.

FFI 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/Revenue2.3x
Enterprise Value/EBITDA117.9x
PEG Ration/a

Price to Book Ratio vs Peers

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

FFI PB Ratio vs Peers
The above table shows the PB ratio for FFI vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyPBEstimated GrowthMarket Cap
Peer Average1.5x
WRL Wierzyciel
0.5xn/azł4.5m
DTX DITIX
1.2xn/azł2.8m
BVT BVT
1.9xn/azł2.6m
KPI Kancelaria Prawna-Inkaso WEC Spólka Akcyjna
2.5xn/azł12.8m
FFI Fast Finance
n/an/azł718.8k

Price-To-Book vs Peers: FFI is good value based on its Price-To-Book Ratio (-0x) compared to the peer average (1.5x).


Price to Earnings Ratio vs Industry

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

Price-To-Book vs Industry: FFI is good value based on its Price-To-Book Ratio (-0x) compared to the Polish Consumer Finance industry average (1.7x)


Price to Book Ratio vs Fair Ratio

What is FFI'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.

FFI PB Ratio vs Fair Ratio.
Fair Ratio
Current PB Ratio-0.02x
Fair PB Ration/a

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


Share Price vs Fair Value

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

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

Significantly Below Fair Value: Insufficient data to calculate FFI'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.


Discover undervalued companies

  • 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.
  • When valuing a company like this, investors focus more on how they perceive the size of the opportunity, the company's ability to deliver and scale, and the strength of the team. While we are not analysing this type of data at the moment, if you don't know where to start, we recommend reading through Fast Finance regulatory filings.

Future Growth

How is Fast Finance 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 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.


Discover growth companies

  • Fast Finance competitive advantages and company strategy can generally be found in its financial reports archived here.

Past Performance

How has Fast Finance 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


9.2%

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, but has reduced losses over the past 5 years at a rate of 9.2% 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 (27.6%).


Return on Equity

High ROE: FFI's liabilities exceed its assets, so it is difficult to calculate its Return on Equity.


Discover strong past performing companies

Financial Health

How is Fast Finance's financial position?

Financial Health Score

0/6

Financial Health Score 0/6

  • Short Term Liabilities

  • Long Term Liabilities

  • Debt Level

  • Reducing Debt

  • Stable Cash Runway

  • Forecast Cash Runway

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 46.2% each year


Discover healthy companies

Dividend

What is Fast Finance 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 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.


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 FFI has not reported any payouts.


Discover strong dividend paying companies

Management

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

4.6yrs

Average board tenure


CEO

Fast Finance has no CEO, or we have no data on them.


Board Members

Experienced Board: FFI's board of directors are considered experienced (4.6 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 not been meaningfully diluted in the past year.


Top Shareholders

Company Information

Fast Finance S.A.'s 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
  • Implied Market Cap: zł718.750k
  • 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


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2022/08/05 00:00
End of Day Share Price2022/08/03 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.