WSE:FFI

Stock Analysis Report

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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


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

FFIIndustryMarket
7 Day-21.6%-18.1%-8.5%
30 Day-45.7%-14.1%-12.9%
90 Day3.2%-12.4%-15.7%
1 Yearn/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

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

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

NamePositionTenureCompensationOwnership
Jaroslaw Staniec
Member of the Supervisory Board2.75yrsno datano data
Krzysztof Siekierski
Member of the Supervisory Board2.75yrsno datano data
Przemyslaw Dabrowski
Member of the Supervisory Board2.75yrsno datano data
Sebastian Kretowicz
Member of the Supervisory Board2.75yrsno datano data
Tadeusz Blazejewski
Member of the Supervisory Board2.75yrsno datano data
Tomasz Mihulka
Member of the Supervisory Board2.75yrsno datano 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

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
FFIWSE (Warsaw Stock Exchange)YesBearer SharesPLPLNMay 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

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2020/10/30 22:14
End of Day Share Price2020/10/30 00:00
Earnings2020/06/30
Annual Earnings2019/12/31


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.