Wierzyciel (WSE:WRL) - Stock Price, News & Analysis

WRL Stock Overview

Offers cash loans to individuals in Poland. More details

WRL fundamental analysis
Snowflake Score
Valuation	1/6
Future Growth	0/6
Past Performance	0/6
Financial Health	6/6
Dividends	0/6

Risk Analysis

Earnings have declined by 7.6% per year over past 5 years

Does not have a meaningful market cap (PLN5M)

Makes less than USD$1m in revenue (PLN2M)

Highly volatile share price over the past 3 months compared to the Polish market

Wierzyciel S.A. Competitors

FON

WSE:FON

zł17.7m

Kancelaria Prawna-Inkaso WEC Spólka Akcyjna

WSE:KPI

zł25.1m

Indos

WSE:INS

zł26.2m

LexBono

WSE:LXB

zł3.0m

Price History & Performance

Summary of all time highs, changes and price drops for Wierzyciel
Historical stock prices
Current Share Price	zł0.58
52 Week High	zł3.60
52 Week Low	zł0.56
Beta	0.73
11 Month Change	-64.11%
3 Month Change	-47.77%
1 Year Change	-18.07%
33 Year Change	27.17%
5 Year Change	-12.69%
Change since IPO	-79.83%

Recent updates

Shareholder Returns

	WRL	PL Consumer Finance	PL Market
7D	-42.6%	-2.9%	-3.1%
1Y	-18.1%	-11.1%	-1.7%

Return vs Industry: WRL underperformed the Polish Consumer Finance industry which returned -11.1% over the past year.

Return vs Market: WRL underperformed the Polish Market which returned -1.7% over the past year.

Price Volatility

Is WRL's price volatile compared to industry and market?
WRL volatility
WRL Average Weekly Movement	20.2%
Consumer Finance Industry Average Movement	4.7%
Market Average Movement	4.8%
10% most volatile stocks in PL Market	8.6%
10% least volatile stocks in PL Market	3.0%

Stable Share Price: WRL's share price has been volatile over the past 3 months compared to the Polish market.

Volatility Over Time: WRL's weekly volatility (20%) has been stable over the past year, but is still higher than 75% of Polish stocks.

About the Company

Founded	Employees	CEO	Website
2003	4	Krysztof Rzepka	www.wierzycielsa.pl

Wierzyciel S.A. offers cash loans to individuals in Poland. The company provides its loans through a network of credit agencies. Wierzyciel S.A. was founded in 2003 and is headquartered in Mikolów, Poland.

Wierzyciel S.A. Fundamentals Summary

How do Wierzyciel's earnings and revenue compare to its market cap?
WRL fundamental statistics
Market cap	zł4.90m
Earnings (TTM)	-zł469.88k
Revenue (TTM)	zł2.42m

1.8x

P/S Ratio

-9.4x

P/E Ratio

Is WRL overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
WRL income statement (TTM)
Revenue	zł2.42m
Cost of Revenue	zł976.48k
Gross Profit	zł1.44m
Other Expenses	zł1.91m
Earnings	-zł469.88k

Last Reported Earnings

Jun 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	-0.062
Gross Margin	59.65%
Net Profit Margin	-19.42%
Debt/Equity Ratio	0%

How did WRL perform over the long term?

See historical performance and comparison

Wierzyciel WSE:WRL Stock Report