Fast Finance
Market Cap
zł2.3m
Last Updated
2019/02/27 21:36 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.
Snowflake
Fundamentals
Undervalued with excellent balance sheet.
Share Price & News
How has Fast Finance's share price performed over time and what events caused price changes?
Latest Share Price and Events
Market Performance
7 Day Return
0%
FFI
-4.9%
PL Consumer Finance
0.02%
PL Market
1 Year Return
-93.5%
FFI
-39.0%
PL Consumer Finance
-3.3%
PL Market
Shareholder returns
| FFI | Industry | Market | |
|---|---|---|---|
| 7 Day | 0% | -4.9% | 0.02% |
| 30 Day | 0% | -24.2% | -2.5% |
| 90 Day | 0% | -34.4% | -7.4% |
| 1 Year | -93.5%-93.5% | -37.3%-39.0% | -0.4%-3.3% |
| 3 Year | -88.5%-88.5% | -41.4%-44.6% | 11.3%3.4% |
| 5 Year | -95.2%-95.2% | 14.0%6.3% | -1.0%-13.0% |
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
1 year ago | Simply Wall St
Who Are The Major Shareholders Of Fast Finance SA (WSE:FFI)?1 year ago | Simply Wall St
Fast Finance SA (WSE:FFI): Did It Outperform The Industry?1 year ago | Simply Wall St
Is Fast Finance SA's (WSE:FFI) PE Ratio A Signal To Buy For Investors?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
Undervalued: FFI (PLN0.09) is trading below our estimate of fair value (PLN1.72)
Significantly Undervalued: FFI is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: FFI is good value based on its PE Ratio (0.6x) compared to the Consumer Finance industry average (6.8x).
PE vs Market: FFI is good value based on its PE Ratio (0.6x) compared to the Polish market (10x).
Price to Earnings Growth Ratio
Low 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 is good value based on its PB Ratio (0x) compared to the PL Consumer Finance industry average (0.6x).
Next Steps
Future Growth
How is Fast Finance forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
24.7%
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: FFI's forecast earnings growth (24.7% per year) is above the savings rate (2.9%).
Earnings vs Market: FFI's earnings (24.7% per year) are forecast to grow faster than the Polish market (10.5% per year).
High Growth Earnings: earnings are expected to grow significantly over the next 3 years.
Revenue vs Market: Insufficient data to determine if FFI's revenue is forecast to grow faster than the Polish market.
High Growth Revenue: Insufficient data to determine if FFI's revenue is forecast to grow faster than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Information is not available.
Next Steps
Past Performance
How has Fast Finance performed over the past 5 years?
-4.7%
Historical annual earnings growth
Earnings and Revenue History
Past Earnings Growth Analysis
Earnings Trend: FFI's earnings have declined by -4.7% per year over the past 5 years.
Accelerating Growth: FFI's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: FFI had negative earnings growth (-52.3%) over the past year, making it difficult to compare to the Consumer Finance industry average (7.8%).
Return on Equity
High ROE: FFI's Return on Equity (5.1%) is considered low.
Return on Assets
ROA vs Industry: FFI's Return on Assets is below or equal to the Consumer Finance industry average last year.
Return on Capital Employed
ROCE Improving: FFI's Return on Capital Employed has declined over the past 3 years.
Next Steps
Financial Health
How is Fast Finance's financial position?
Financial Position Analysis
Short Term Liabilities: FFI's short term assets (PLN151.3M) exceeds its short term liabilities (PLN26.4M)
Long Term Liabilities: FFI's short term assets (151.3M) exceeds its long term liabilities (70.2M)
Debt to Equity History and Analysis
Debt Level: FFI's debt to equity ratio (38.4%) is considered satisfactory
Reducing Debt: FFI's debt to equity ratio has reduced from 152.8% to 38.4% over the past 5 years.
Debt Coverage: FFI's operating cash flow is negative, therefore debt is not well covered.
Interest Coverage: FFI's interest payments on its debt are well covered by EBIT (9.3x coverage).
Balance Sheet
Information is not available.
Information is not available.
Next Steps
Dividend
What is Fast Finance's current dividend yield, its reliability and sustainability?
Dividend Yield vs Market
Current dividend yield vs market & industry
Stability and Growth of Payments
Notable Dividend: Unable to evaluate FFI's dividend yield against the bottom 25% of dividend payers, as the company has not reported any payouts.
High Dividend: Unable to evaluate FFI's dividend yield against the top 25% of dividend payers, as the company has not reported any payouts.
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: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.
Next Steps
Management
What is the CEO of Fast Finance's salary, the management and board of directors tenure and is there insider trading?
1.1yrs
Average board tenure
CEO
Andrzej Kielczewski 0
0yrs
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 Age and Tenure
1.1yrs
Average Tenure
Experienced Board: FFI's board of directors are not considered experienced ( 1.1 years average tenure), which suggests a new board.
Insider Trading
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Ownership Breakdown
Management Team
Andrzej Kielczewski
President of the Management Board
- Tenure: 0yrs
Board Members
Jaroslaw Staniec
Member of the Supervisory Board
- Tenure: 1.1yrs
Krzysztof Siekierski
Member of the Supervisory Board
- Tenure: 1.1yrs
Przemyslaw Dabrowski
Member of the Supervisory Board
- Tenure: 1.1yrs
Sebastian Kretowicz
Member of the Supervisory Board
- Tenure: 1.1yrs
Tadeusz Blazejewski
Member of the Supervisory Board
- Tenure: 1.1yrs
Tomasz Mihulka
Member of the Supervisory Board
- Tenure: 1.1yrs
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: zł2.250m
- Shares outstanding: 25.00m
- Website: https://www.fastfinance.pl
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 | 2019/02/27 21:36 |
| End of Day Share Price | 2018/11/30 00:00 |
| Earnings | 2018/06/30 |
| Annual Earnings | 2017/12/31 |
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.