WSE:SMS

Stock Analysis Report

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Executive Summary

SMS Kredyt Holding S.A. provides loans to individuals in Poland. More Details


Snowflake Analysis

Adequate balance sheet and overvalued.

Share Price & News

How has SMS Kredyt Holding's share price performed over time and what events caused price changes?


Latest Share Price and Events

Stable Share Price: SMS's share price has been volatile over the past 3 months.


Market Performance


7 Day Return

3.4%

SMS

-18.1%

PL Consumer Finance

-8.5%

PL Market


1 Year Return

-60.5%

SMS

-21.8%

PL Consumer Finance

-24.6%

PL Market

Return vs Industry: SMS underperformed the Polish Consumer Finance industry which returned -16.4% over the past year.

Return vs Market: SMS underperformed the Polish Market which returned -23.6% over the past year.


Shareholder returns

SMSIndustryMarket
7 Day3.4%-18.1%-8.5%
30 Day-25.0%-14.1%-12.9%
90 Day-42.3%-12.4%-15.7%
1 Year-60.5%-60.5%-21.8%-21.8%-23.9%-24.6%
3 Year-86.8%-88.1%-59.2%-61.3%-33.5%-37.5%
5 Year-78.5%-83.0%-35.6%-39.7%-20.8%-29.5%

Price Volatility Vs. Market

How volatile is SMS Kredyt Holding's share price compared to the market and industry in the last 5 years?


Simply Wall St News

Valuation

Is SMS Kredyt Holding undervalued compared to its fair value and its price relative to the market?

0.28x

Price to Book (PB) ratio


Share Price vs. Fair Value

Below Fair Value: SMS (PLN0.15) is trading above our estimate of fair value (PLN0.07)

Significantly Below Fair Value: SMS is trading above our estimate of fair value.


Price To Earnings Ratio

PE vs Industry: SMS is unprofitable, so we can't compare its PE Ratio to the PL Consumer Finance industry average.

PE vs Market: SMS 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 SMS's PEG Ratio to determine if it is good value.


Price to Book Ratio

PB vs Industry: SMS is good value based on its PB Ratio (0.3x) compared to the PL Consumer Finance industry average (0.8x).


Next Steps

Future Growth

How is SMS Kredyt Holding 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 SMS Kredyt Holding 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 SMS Kredyt Holding performed over the past 5 years?

-51.6%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: SMS is currently unprofitable.

Growing Profit Margin: SMS is currently unprofitable.


Past Earnings Growth Analysis

Earnings Trend: SMS is unprofitable, and losses have increased over the past 5 years at a rate of 51.6% per year.

Accelerating Growth: Unable to compare SMS's earnings growth over the past year to its 5-year average as it is currently unprofitable

Earnings vs Industry: SMS is unprofitable, making it difficult to compare its past year earnings growth to the Consumer Finance industry (-63.3%).


Return on Equity

High ROE: SMS has a negative Return on Equity (-136.7%), as it is currently unprofitable.


Next Steps

Financial Health

How is SMS Kredyt Holding's financial position?


Financial Position Analysis

Short Term Liabilities: SMS's short term assets (PLN28.3M) exceed its short term liabilities (PLN8.0M).

Long Term Liabilities: SMS's short term assets (PLN28.3M) exceed its long term liabilities (PLN16.9M).


Debt to Equity History and Analysis

Debt Level: SMS's debt to equity ratio (289.5%) is considered high.

Reducing Debt: SMS's debt to equity ratio has reduced from 300.9% to 289.5% over the past 5 years.

Debt Coverage: SMS's debt is well covered by operating cash flow (59.6%).

Interest Coverage: Insufficient data to determine if SMS's interest payments on its debt are well covered by EBIT.


Balance Sheet


Next Steps

Dividend

What is SMS Kredyt Holding current dividend yield, its reliability and sustainability?


Dividend Yield vs Market

Notable Dividend: Unable to evaluate SMS's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.

High Dividend: Unable to evaluate SMS'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 SMS's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if SMS's dividend payments have been increasing.


Current Payout to Shareholders

Dividend Coverage: SMS is not paying a notable dividend for the Polish market.


Future Payout to Shareholders

Future Dividend Coverage: No need to calculate the sustainability of SMS'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?


CEO

Jaroslaw Olejarz

0.92

Tenure

Mr. Jaroslaw Olejarz has been a President of Management Board at SMS Kredyt Holding S.A. since November 18, 2019 and served as its Member of the Supervisory Board until 2020. Mr. Olejarz holds PhD in Law f ...


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

SMS Kredyt Holding S.A.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: SMS Kredyt Holding S.A.
  • Ticker: SMS
  • Exchange: WSE
  • Founded: 2007
  • Industry: Consumer Finance
  • Sector: Diversified Financials
  • Market Cap: zł2.226m
  • Shares outstanding: 14.84m
  • Website: https://www.smskredytholding.pl

Number of Employees


Location

  • SMS Kredyt Holding S.A.
  • ul. St. Mikolaja 8-11
  • Wroclaw
  • 50-125
  • Poland

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
SMSWSE (Warsaw Stock Exchange)YesCommon Bearer SharesPLPLNDec 2011

Biography

SMS Kredyt Holding S.A. provides loans to individuals in Poland. Its loan products are distributed through the exchange of SMS messages, Website, telephone, and cooperation with credit bureaus. The company ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2020/10/30 22:05
End of Day Share Price2020/10/29 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.