It's Down 38% But FON SE (WSE:FON) Could Be Riskier Than It Looks
May 03
Polish (WIG) Consumer Finance Industry Analysis
UpdatedMay 17, 2024
DataAggregated Company Financials
Companies7
- 7D-0.6%
- 3M7.1%
- 1Y24.9%
- YTD-0.8%
Over the last 7 days, the Consumer Finance industry has risen 2.1%, driven by gains from KRUK Spólka Akcyjna of 2.1%. This takes the industry's 12 month performance to a gain of 29%. As for the next few years, earnings are expected to grow by 9.1% per annum.
Industry Valuation and Performance
Has the Polish Consumer Finance Industry valuation changed over the past few years?
| Date | Market Cap | Revenue | Earnings | PE | Absolute PE | PS |
|---|---|---|---|---|---|---|
| Fri, 17 May 2024 | zł9.2b | zł1.9b | zł1.1b | 8.3x | 8.4x | 4.8x |
| Sun, 14 Apr 2024 | zł8.8b | zł1.8b | zł991.5m | 10.3x | 8.9x | 4.8x |
| Tue, 12 Mar 2024 | zł8.3b | zł1.8b | zł1.0b | 8.3x | 8.1x | 4.5x |
| Thu, 08 Feb 2024 | zł8.9b | zł1.8b | zł888.9m | 9.9x | 10x | 5x |
| Sat, 06 Jan 2024 | zł9.4b | zł1.8b | zł899.4m | 8.3x | 10.4x | 5.3x |
| Mon, 04 Dec 2023 | zł9.0b | zł1.8b | zł888.3m | 9.9x | 10.2x | 5.1x |
| Wed, 01 Nov 2023 | zł9.1b | zł1.7b | zł852.4m | 7.7x | 10.6x | 5.4x |
| Fri, 29 Sep 2023 | zł8.0b | zł1.7b | zł852.3m | 7.5x | 9.4x | 4.8x |
| Sun, 27 Aug 2023 | zł7.8b | zł1.7b | zł852.2m | 7.7x | 9.1x | 4.6x |
| Tue, 25 Jul 2023 | zł8.8b | zł1.6b | zł803.3m | 7.9x | 10.9x | 5.4x |
| Thu, 22 Jun 2023 | zł7.3b | zł1.6b | zł802.3m | 7.4x | 9.2x | 4.6x |
| Sat, 20 May 2023 | zł7.4b | zł1.6b | zł803.1m | 6.5x | 9.2x | 4.6x |
| Mon, 17 Apr 2023 | zł6.9b | zł1.5b | zł812.7m | 6.2x | 8.5x | 4.5x |
| Wed, 15 Mar 2023 | zł6.0b | zł1.5b | zł812.7m | 5.8x | 7.4x | 4x |
| Fri, 10 Feb 2023 | zł6.7b | zł1.4b | zł812.7m | 6.8x | 8.3x | 4.7x |
| Sun, 08 Jan 2023 | zł6.3b | zł1.4b | zł812.7m | 9x | 7.7x | 4.4x |
| Tue, 06 Dec 2022 | zł5.8b | zł1.4b | zł812.7m | 8.7x | 7.1x | 4x |
| Thu, 03 Nov 2022 | zł5.4b | zł1.3b | zł787.0m | 9.6x | 6.9x | 4x |
| Sat, 01 Oct 2022 | zł4.6b | zł1.3b | zł787.1m | 8x | 5.9x | 3.4x |
| Mon, 29 Aug 2022 | zł5.7b | zł1.3b | zł810.6m | 9.7x | 7.1x | 4.5x |
| Wed, 27 Jul 2022 | zł5.1b | zł1.3b | zł810.3m | 10.9x | 6.3x | 4x |
| Fri, 24 Jun 2022 | zł4.5b | zł1.3b | zł813.2m | 7.6x | 5.6x | 3.6x |
| Sun, 22 May 2022 | zł4.6b | zł1.3b | zł812.9m | 7.6x | 5.7x | 3.6x |
| Tue, 19 Apr 2022 | zł5.7b | zł1.2b | zł695.7m | 13.2x | 8.1x | 4.7x |
| Thu, 17 Mar 2022 | zł5.6b | zł1.2b | zł612.2m | 13.2x | 9.1x | 4.7x |
| Sat, 12 Feb 2022 | zł6.0b | zł1.2b | zł610.1m | 15.1x | 9.9x | 5.1x |
| Mon, 10 Jan 2022 | zł6.3b | zł1.2b | zł610.1m | 15.2x | 10.4x | 5.3x |
| Wed, 08 Dec 2021 | zł6.5b | zł1.2b | zł610.3m | 15.7x | 10.6x | 5.5x |
| Fri, 05 Nov 2021 | zł7.4b | zł1.1b | zł493.1m | 21.9x | 15x | 6.4x |
| Sun, 03 Oct 2021 | zł6.4b | zł1.1b | zł483.1m | 12.7x | 13.3x | 5.6x |
| Tue, 31 Aug 2021 | zł6.1b | zł1.1b | zł476.2m | 12.1x | 12.9x | 5.3x |
| Wed, 07 Jul 2021 | zł4.9b | zł1.1b | zł476.2m | 9.6x | 10.2x | 4.2x |
Price to Earnings Ratio
20x
Current Industry PE
- Investors are pessimistic on the Polish Consumer Finance industry, indicating that they anticipate long term growth rates will be lower than they have historically.
- The industry is trading at a PE ratio of 8.4x which is lower than its 3-year average PE of 9.3x.
- The industry is trading close to its 3-year average PS ratio of 4.7x.
Past Earnings Growth
- The earnings for companies in the Consumer Finance industry have grown 63% per year over the last three years.
- Revenues for these companies have grown 18% per year.
- This means that more sales are being generated by these companies overall, and subsequently their profits are increasing too.
Industry Trends
Which industries have driven the changes within the Polish Financials industry?
| PL Market | 0.037% | |
| Financials | -4.47% | |
| Consumer Finance | -0.58% | |
| Consumer Finance | -0.58% | |
Industry PEThere are no additional sub-industries under this industry.
Forecasted GrowthThere are no additional sub-industries under this industry.
Top Stock Gainers and Losers
Which companies have driven the market over the last 7 days?
| Company | Last Price | 7D | 1Y | Valuation | |
|---|---|---|---|---|---|
| KPI Kancelaria Prawna-Inkaso WEC Spólka Akcyjna | zł2.38 | 11.2% +zł2.4m | 85.9% | PE18.5x | |
| FON FON | zł5.52 | 6.2% +zł912.0k | 73.4% | PE8.3x | |
| INS Indos | zł3.78 | 2.7% +zł712.7k | 22.7% | PE4.6x | |
| DTX DITIX | zł0.17 | 10.7% +zł299.0k | 45.0% | PS11.1x | |
| FEM Femion Technology | zł0.80 | 0.6% +zł137.9k | -5.9% | PS5.9x |