SMS Kredyt Holding S.A. provides loans to individuals in Poland. More Details
+ 1 more risk
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.
7 Day Return
PL Consumer Finance
1 Year Return
PL Consumer Finance
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.
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
4 months ago | Simply Wall StImagine Owning SMS Kredyt Holding (WSE:SMS) And Trying To Stomach The 86% Share Price Drop
6 months ago | Simply Wall StCould The SMS Kredyt Holding S.A. (WSE:SMS) Ownership Structure Tell Us Something Useful?
8 months ago | Simply Wall StSome SMS Kredyt Holding (WSE:SMS) Shareholders Have Taken A Painful 87% Share Price Drop
Is SMS Kredyt Holding undervalued compared to its fair value and its price relative to the market?
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).
How is SMS Kredyt Holding forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
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.
- Examine SMS Kredyt Holding's financial health to determine how well-positioned it is against times of financial stress by looking at its level of debt over time and how much cash it has left.
- SMS Kredyt Holding competitive advantages and company strategy can generally be found in its financial reports archived here.
- Explore growth companies in the Diversified Financials industry.
How has SMS Kredyt Holding performed over the past 5 years?
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.
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.
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.
How experienced are the management team and are they aligned to shareholders interests?
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 ...
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.
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
SMS Kredyt Holding S.A.'s company bio, employee growth, exchange listings and data sources
- 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
- SMS Kredyt Holding S.A.
- ul. St. Mikolaja 8-11
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|SMS||WSE (Warsaw Stock Exchange)||Yes||Common Bearer Shares||PL||PLN||Dec 2011|
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
|Data||Last Updated (UTC time)|
|Company Analysis||2020/10/30 22:05|
|End of Day Share Price||2020/10/29 00:00|
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.