PBS Finanse SA is a financial service provider to individuals and corporate customers. The company focuses on three areas namely credit intermediation, fast loan, and financial leasing. Its also provides services in factoring, insurance, loan, and debt collection sector as well as operations related to software and consultancy in the field of Computer Science and related activities.

Financial Strength

9/10

Name	Current	Vs Industry
Cash-To-Debt	No Debt
Equity-to-Asset	0.67
Interest Coverage	No Debt
Piotroski F-Score	6/9	0 1 2 3 4 5 6 7 8 9
Altman Z-Score	-0.26	Distress Grey Safe
Beneish M-Score	-2.86	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

2/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	50.5
	3-Year EPS without NRI Growth Rate	45.4
	3-Year FCF Growth Rate	4.2
	3-Year Book Growth Rate	-0.9

Momentum Rank

10/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	6.47
	9-Day RSI	19.16
	14-Day RSI	28.72
	6-1 Month Momentum %	-11.82
	12-1 Month Momentum %	2.11

Liquidity Ratio

	Name	Current	Vs Industry		Vs History
	Current Ratio	2.47
	Quick Ratio	1.16
	Cash Ratio	0.88
	Days Inventory	970.87
	Days Sales Outstanding	5.79
	Days Payable	25.54

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History

Profitability Rank

2/10

	Name	Current	Vs Industry		Vs History
	Gross Margin %	32.16
	Operating Margin %	-17.37
	Net Margin %	-0.27
	FCF Margin %	9.37
	ROE %	-0.08
	ROA %	-0.06
	ROIC %	4.83
	ROC (Joel Greenblatt) %	0.44
	ROCE %	0.09
	Years of Profitability over Past 10-Year	3

GF Value Rank

8/10

	Name	Current	Vs Industry		Vs History
	Price-to-Owner-Earnings	42.61
	PS Ratio	3.57
	PB Ratio	1.08
	Price-to-Tangible-Book	1.08
	Price-to-Free-Cash-Flow	37.5
	Price-to-Operating-Cash-Flow	37.5
	EV-to-EBIT	695.38
	EV-to-EBITDA	695.38
	EV-to-Revenue	2.11
	EV-to-FCF	25.91
	Price-to-Median-PS-Value	1.06
	Price-to-Net-Current-Asset-Value	1.45
	Earnings Yield (Greenblatt) %	0.15
	FCF Yield %	2.62

Financials

Annual Quarterly TTM

WAR:PBF's 30-Y Financials

AAPL

Income Statement Breakdown FY

Annual Quarterly

No Enough Data

AAPL

Balance Sheet Breakdown

Annual Quarterly

No Enough Data

AAPL

Cashflow Statement Breakdown

Annual Quarterly

No Enough Data

Historical Operating Revenue by Business Segment

Value % YoY

Historical Operating Revenue by Geographic Region

Value % YoY

See Details

5-Step DuPont Analysis as of

Annual Quarterly

No Enough Data

Guru Trades

See Details

Insider Trades

See Details

Peter Lynch Chart

Y-axis scale:

Log Linear

Interactive Chart

Performance

Dividend

Log

Bar

Annualized Return %

Symbol	1 Week	1 Month	3 Months	6 Months	YTD	1 Year	3 Years	5 Years	10 Years

Total Annual Return %

Symbol	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015

PBS Finanse SA Executives

Details

GF Value: zł1.38

WAR:PBF

Valuation Chart

Year:

Warning Signs

Warning! GuruFocus detected 3 Severe warning signs with PBF. Try a 7-Day Free Trial to check it out.

Analyst Estimate

Annual Quarterly

Key Statistics

	Name	Value
	Revenue (TTM) (Mil zł)	2.637
	EPS (TTM) (zł)	-0.007
	Beta	-1.91
	Volatility %	87.83
	14-Day RSI	28.72
	14-Day ATR (zł)	0.011658
	20-Day SMA (zł)	0.9685
	12-1 Month Momentum %	2.11
	52-Week Range (zł)	0.745 - 2
	Shares Outstanding (Mil)	10.45

Piotroski F-Score Details

Year:

	Component	Result
	Piotroski F-Score	6
	Positive ROA
	Positive CFROA
	Higher ROA yoy
	CFROA > ROA
	Lower Leverage yoy
	Higher Current Ratio yoy
	Less Shares Outstanding yoy
	Higher Gross Margin yoy
	Higher Asset Turnover yoy

PBS Finanse SA Filings

10-K10-QForm 4Others

	Filing Date	Document Date	Form
No Filing Data

PBS Finanse SA Stock Events

Financials Calendars

	Event	Date	Price(zł)
No Event Data

PBS Finanse SA Frequently Asked Questions

What is PBS Finanse SA(WAR:PBF)'s stock price today?

The current price of WAR:PBF is zł0.90. The 52 week high of WAR:PBF is zł2.00 and 52 week low is zł0.75.

When is next earnings date of PBS Finanse SA(WAR:PBF)?

The next earnings date of PBS Finanse SA(WAR:PBF) is .

Does PBS Finanse SA(WAR:PBF) pay dividends? If so, how much?

PBS Finanse SA(WAR:PBF) does not pay dividend.

Press Release

	Subject	Date
No Press Release

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