WSE:PBF

Stock Analysis Report

Executive Summary

PBS Finanse S.A. provides various financial services to individual and businesses.

Snowflake

Fundamentals

Adequate balance sheet and overvalued.

Risks

  • PBS Finanse has significant price volatility in the past 3 months.
  • PBS Finanse is not covered by any analysts.

Share Price & News

How has PBS Finanse's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

-16.9%

WSE:PBF

-2.3%

PL Consumer Finance

1.4%

PL Market


1 Year Return

-69.3%

WSE:PBF

-21.8%

PL Consumer Finance

-9.3%

PL Market

PBF underperformed the Consumer Finance industry which returned -21.8% over the past year.

PBF underperformed the Market in Poland which returned -9.3% over the past year.


Share holder returns

PBFIndustryMarket
7 Day-16.9%-2.3%1.4%
30 Day-16.9%-10.9%-7.4%
90 Day-11.2%3.9%-4.2%
1 Year-69.3%-69.3%-19.6%-21.8%-6.4%-9.3%
3 Year-93.3%-93.3%-30.2%-34.0%8.0%0.09%
5 Year-95.0%-95.0%70.9%59.3%-0.5%-13.2%

Price Volatility Vs. Market

How volatile is PBS Finanse's share price compared to the market and industry in the last 5 years?


Simply Wall St News

Valuation

Is PBS Finanse undervalued based on future cash flows and its price relative to the stock market?

0.11x

Price to Book (PB) ratio


Intrinsic Value Based on Future Cash Flows

Unable to calculate intrinsic value for PBS Finanse to establish if it is available at moderate discount.

Unable to calculate intrinsic value for PBS Finanse to establish if it is available at substantial discount.


Price Based on Earnings

PBS Finanse is loss making, we can't compare its value to the PL Consumer Finance industry average.

PBS Finanse is loss making, we can't compare the value of its earnings to the Poland market.


Price Based on Expected Growth

Unable to calculate PEG ratio for PBS Finanse, we can't assess if its growth is good value.


Price Based on Value of Assets

PBS Finanse is good value based on assets compared to the PL Consumer Finance industry average.


Next Steps

Future Growth

How is PBS Finanse expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

-2.9%

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 PBS Finanse 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 PBS Finanse performed over the past 5 years?

-63.1%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

PBS Finanse does not make a profit and their year on year earnings growth rate was negative over the past 5 years.

Unable to compare PBS Finanse's 1-year earnings growth to the 5-year average as it is not currently profitable.

Unable to compare PBS Finanse's 1-year growth to the PL Consumer Finance industry average as it is not currently profitable.


Return on Equity

It is difficult to establish if PBS Finanse has efficiently used shareholders’ funds last year (Return on Equity greater than 20%) as it is loss-making.


Return on Assets

It is difficult to establish if PBS Finanse has efficiently used its assets last year compared to the PL Consumer Finance industry average (Return on Assets) as it is loss-making.


Return on Capital Employed

It is difficult to establish if PBS Finanse improved its use of capital last year versus 3 years ago (Return on Capital Employed) as it is currently loss-making.


Next Steps

Financial Health

How is PBS Finanse's financial position?


Financial Position Analysis

PBS Finanse is able to meet its short term (1 year) commitments with its holdings of cash and other short term assets.

PBS Finanse's cash and other short term assets cover its long term commitments.


Debt to Equity History and Analysis

Unable to establish if PBS Finanse's level of debt is high without past debt data.

Unable to establish if PBS Finanse's debt level has increased without past 5-year debt data.


Balance Sheet

Low level of unsold assets.

Debt is not covered by short term assets, assets are -45.1x debt.


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.

PBS Finanse has sufficient cash runway for more than 3 years based on current free cash flow.

PBS Finanse has sufficient cash runway for 2.9 years if free cash flow continues to grow at historical rates of 19.8% each year.


Next Steps

Dividend

What is PBS Finanse's current dividend yield, its reliability and sustainability?


Dividend Yield and Payments Analysis

Unable to evaluate PBS Finanse's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.

Unable to evaluate PBS Finanse's dividend against the top 25% market benchmark as the company has not reported any payouts.

Unable to perform a dividend volatility check as PBS Finanse has not reported any payouts.

Unable to verify if PBS Finanse's dividend has been increasing as the company has not reported any payouts.


Current Payout to Shareholders

Unable to calculate sustainability of dividends as PBS Finanse has not reported any payouts.


Future Payout to Shareholders

Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.


Next Steps

Management

What is the CEO of PBS Finanse's salary, the management and board of directors tenure and is there insider trading?

1.3yrs

Average management tenure


CEO

Dariusz Blicharz 0

0.7yrs

Tenure

0

Mr. Dariusz Blicharz has been President of the Management Board at PBS Finanse S.A. since December 01, 2018. 


CEO Compensation Analysis

Dariusz's remuneration is higher than average for companies of similar size in Poland.

Insufficient data for Dariusz to compare compensation growth.


Management Age and Tenure

1.3yrs

Average Tenure

The average tenure for the PBS Finanse management team is less than 2 years, this suggests a new team.


Board Age and Tenure

1.6yrs

Average Tenure

The average tenure for the PBS Finanse board of directors is less than 3 years, this suggests a new board.


Insider Trading

No 3 month open market individual insider trading information.


Ownership Breakdown


Management Team

  • Grzegorz Rysz

    Secretary of the Supervisory Board

    • Tenure: 9.3yrs
    • Compensation: zł100.60k
  • Cecylia Potera

    Chief Accountant

    • Tenure: 0.0yrs
  • Dariusz Blicharz

    President of the Management Board

    • Tenure: 0.7yrs
  • Tomasz Seweryn

    Member of the Management Board

    • Tenure: 0.9yrs
  • Ewa Sudol

    Chief Accountant

    • Tenure: 0.0yrs
  • Agnes Kondyjowska

    Member of the Supervisory Board

    • Tenure: 1.6yrs

Board Members

  • Maciej Frankiewicz

    Member of the Supervisory Board

    • Tenure: 9.3yrs
  • Boguslaw Stabryla

    Supervisory Board Chairman

    • Tenure: 1.6yrs
  • Pawel Kolodziejczyk

    Vice Chairman of the Supervisory Board

    • Tenure: 9.3yrs
  • Grazyna Karaczkowska

    Member of the Supervisory Board

    • Tenure: 0.0yrs
  • Dawid Sabik

    Member of the Supervisory Board

    • Tenure: 0.0yrs
  • Agnieszka Trebenda

    Deputy Chairman of the Supervisory Board

    • Tenure: 0.0yrs
  • Lukasz Birkowski

    Member of the Supervisory Board

    • Tenure: 0.7yrs
  • Barbara Wais

    Member of the Supervisory Board

    • Tenure: 0.7yrs
  • Agnes Kondyjowska

    Member of the Supervisory Board

    • Tenure: 1.6yrs

Company Information

PBS Finanse S.A.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: PBS Finanse S.A.
  • Ticker: PBF
  • Exchange: WSE
  • Founded:
  • Industry: Consumer Finance
  • Sector: Diversified Financials
  • Market Cap: zł2.153m
  • Shares outstanding: 10.45m
  • Website: https://www.pbsfinanse.pl

Location

  • PBS Finanse S.A.
  • ul. Mickiewicza 29
  • Sanok
  • 38-500
  • Poland

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
PBFWSE (Warsaw Stock Exchange)YesOrdinary SharesPLPLNMar 2000

Biography

PBS Finanse S.A. provides various financial services to individual and businesses. It offers credit intermediation, various loans, financial leasing, and social lending services. The company is based in Sa ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/25 20:47
End of Day Share Price2019/08/23 00:00
Earnings2019/03/31
Annual Earnings2018/12/31


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.