CMR Stock Overview

Designs, implements, and integrates IT solutions worldwide. More details

CMR fundamental analysis
Snowflake Score
Valuation	0/6
Future Growth	4/6
Past Performance	1/6
Financial Health	6/6
Dividends	0/6

Rewards

Earnings are forecast to grow 28.46% per year

Risk Analysis

Profit margins (3.5%) are lower than last year (6.4%)

My Notes

Capture your thoughts, links and company narrative

Comarch S.A. Competitors

Asseco South Eastern Europe

WSE:ASE

zł2.5b

Sygnity

WSE:SGN

zł1.5b

Comp

WSE:CMP

zł600.8m

Spyrosoft Spólka Akcyjna

WSE:SPR

zł487.9m

Price History & Performance

Summary of share price highs, lows and changes for Comarch
Historical stock prices
Current Share Price	zł331.00
52 Week High	zł332.50
52 Week Low	zł195.50
Beta	0.55
1 Month Change	0.30%
3 Month Change	2.16%
1 Year Change	61.46%
3 Year Change	62.25%
5 Year Change	78.92%
Change since IPO	797.79%

Comarch (WSE:CMR) Has Announced That It Will Be Increasing Its Dividend To PLN5.00

Jun 28

Recent updates

Comarch (WSE:CMR) Has Announced That It Will Be Increasing Its Dividend To PLN5.00

Jun 28

Are Comarch S.A.'s (WSE:CMR) Fundamentals Good Enough to Warrant Buying Given The Stock's Recent Weakness?

Dec 11

If You Had Bought Comarch (WSE:CMR) Shares Five Years Ago You'd Have Earned 70% Returns

Nov 18

Shareholder Returns

	CMR	PL IT	PL Market
7D	0%	-1.1%	-2.0%
1Y	61.5%	28.0%	-4.3%

Return vs Industry: CMR exceeded the Polish IT industry which returned 28% over the past year.

Return vs Market: CMR exceeded the Polish Market which returned -4.3% over the past year.

Price Volatility

Is CMR's price volatile compared to industry and market?
CMR volatility
CMR Average Weekly Movement	2.3%
IT Industry Average Movement	5.7%
Market Average Movement	4.9%
10% most volatile stocks in PL Market	8.6%
10% least volatile stocks in PL Market	3.2%

Stable Share Price: CMR has not had significant price volatility in the past 3 months compared to the Polish market.

Volatility Over Time: CMR's weekly volatility (2%) has been stable over the past year.

About the Company

Founded	Employees	CEO	Website
1993	6,425	n/a	www.comarch.com

Comarch S.A. designs, implements, and integrates IT solutions worldwide. The company offers Internet of Things (IoT) solutions for telecommunication industry. It also provides small business and corporate banking, mobile banking, factoring, cloud factoring, trade finance, wealth management, asset management, loan origination, custody, digital insurance, commission and incentive, life insurance, authentication, and manager assistant solutions.

Comarch S.A. Fundamentals Summary

How do Comarch's earnings and revenue compare to its market cap?
CMR fundamental statistics
Market cap	zł2.69b
Earnings (TTM)	zł63.88m
Revenue (TTM)	zł1.85b

42.1x

P/E Ratio

1.5x

P/S Ratio

Is CMR overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
CMR income statement (TTM)
Revenue	zł1.85b
Cost of Revenue	zł1.41b
Gross Profit	zł438.94m
Other Expenses	zł375.05m
Earnings	zł63.88m

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	7.85
Gross Margin	23.76%
Net Profit Margin	3.46%
Debt/Equity Ratio	6.5%

How did CMR perform over the long term?

See historical performance and comparison

Dividends

1.5%

Current Dividend Yield

64%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/20 11:16
End of Day Share Price	2024/11/28 00:00
Earnings	2024/09/30
Annual Earnings	2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

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.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Comarch S.A. is covered by 12 analysts. 1 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution
Kamil Kliszcz	Biuro maklerskie mBanku
Witold Samborski	Citigroup Inc
Sobieslaw Pajak	Dom Maklerski IDMSA

CMR Stock Overview

Rewards

Risk Analysis

Comarch S.A. Competitors

WSE:ASE

zł2.5b

WSE:SGN

zł1.5b

WSE:CMP

zł600.8m

WSE:SPR

zł487.9m

Price History & Performance

Recent News & Updates

Comarch S.A.(WSE:CMR) dropped from S&P Global BMI Index

Comarch on A Path to Get Delisted

Investor sentiment improves as stock rises 15%

Aspa sp. z o.o. and Chamonix Investments S.à r.l signed a transaction agreement to acquire an 64.74% stake in Comarch S.A. (WSE:CMR) from group of shareholders for PLN 1.67 billion.

Aspa sp. z o.o. and Chamonix Investments S.à r.l signed a transaction agreement to acquire an 64.74% stake in Comarch S.A. (WSE:CMR) from group of shareholders for PLN 1.67 billion.

Comarch (WSE:CMR) Has Announced That It Will Be Increasing Its Dividend To PLN5.00

Recent updates

Comarch S.A.(WSE:CMR) dropped from S&P Global BMI Index

Comarch on A Path to Get Delisted

Investor sentiment improves as stock rises 15%

Aspa sp. z o.o. and Chamonix Investments S.à r.l signed a transaction agreement to acquire an 64.74% stake in Comarch S.A. (WSE:CMR) from group of shareholders for PLN 1.67 billion.

Aspa sp. z o.o. and Chamonix Investments S.à r.l signed a transaction agreement to acquire an 64.74% stake in Comarch S.A. (WSE:CMR) from group of shareholders for PLN 1.67 billion.

Comarch (WSE:CMR) Has Announced That It Will Be Increasing Its Dividend To PLN5.00

Comarch (WSE:CMR) Will Pay A Larger Dividend Than Last Year At PLN5.00

Comarch's (WSE:CMR) Shareholders May Want To Dig Deeper Than Statutory Profit

Comarch S.A., Annual General Meeting, Jun 26, 2024

Dividend increased to zł5.00

Comarch IT to Pay Dividend on July 12, 2024

First quarter 2024 earnings released: EPS: zł2.70 (vs zł2.84 in 1Q 2023)

Full year 2023 earnings released: EPS: zł12.88 (vs zł13.26 in FY 2022)

Price target increased by 9.3% to zł196

Comarch S.A.'s (WSE:CMR) Share Price Not Quite Adding Up

Comarch S.A. to Report Q4, 2023 Results on Feb 09, 2024

Comarch S.A. to Report Q3, 2024 Results on Nov 22, 2024

Comarch Announces Management Changes

Comarch Announces Board Appointments

Price target increased by 8.0% to zł179

New major risk - Revenue and earnings growth

Second quarter 2023 earnings released

Upcoming dividend of zł4.00 per share at 2.7% yield

Comarch (WSE:CMR) Is Paying Out A Dividend Of PLN4.00

Comarch Approves Dividend for 2022

Comarch (WSE:CMR) Will Pay A Dividend Of PLN4.00

Comarch S.A., Annual General Meeting, Jun 28, 2023

First quarter 2023 earnings released

Comarch S.A. to Report Fiscal Year 2022 Final Results on Apr 28, 2023

Investors Will Want Comarch's (WSE:CMR) Growth In ROCE To Persist

Investor sentiment improved over the past week

Third quarter 2022 earnings released

Price target decreased to zł218

Price target decreased to zł218

Second quarter 2022 earnings released

Returns At Comarch (WSE:CMR) Are On The Way Up

Upcoming dividend of zł4.00 per share

Comarch's (WSE:CMR) Upcoming Dividend Will Be Larger Than Last Year's

Comarch's (WSE:CMR) Shareholders Will Receive A Bigger Dividend Than Last Year

Comarch S.A., Annual General Meeting, Jun 28, 2022

First quarter 2022 earnings: Revenues miss analyst expectations

Now 21% undervalued after recent price drop

Now 21% undervalued

Full year 2021 earnings: EPS and revenues exceed analyst expectations

Now 20% undervalued after recent price drop

Now 22% undervalued after recent price drop

Comarch (WSE:CMR) Has A Rock Solid Balance Sheet

Price target increased to zł274

Price target increased to zł262

We Think Comarch (WSE:CMR) Can Manage Its Debt With Ease

Second quarter 2021 earnings released

Investor sentiment improved over the past week

Upcoming dividend of zł3.00 per share

First quarter 2021 earnings released

Comarch S.A. Proposes Dividend for the Year 2020, Payable on July 16, 2021

Are Comarch S.A. (WSE:CMR) Investors Paying Above The Intrinsic Value?

We Think Comarch (WSE:CMR) Can Manage Its Debt With Ease

Does Comarch (WSE:CMR) Deserve A Spot On Your Watchlist?

Comarch (WSE:CMR) Shareholders Have Enjoyed A 48% Share Price Gain