Stock WRL WIERZYCIEL S.A.
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Financials Wierzyciel S.A.

Equities

WRL

PLWRZCL00014

Consumer Lending

End-of-day quote Warsaw S.E.
Other stock markets
 06:00:00 2024-07-01 pm EDT 		5-day change 1st Jan Change
1.5 PLN -0.66% Intraday chart for Wierzyciel S.A. -5.06% +138.85%
May. 15 Wierzyciel S.A. Reports Earnings Results for the First Quarter Ended March 31, 2024 CI
Feb. 14 Wierzyciel S.A. Reports Earnings Results for the Fourth Quarter and Full Year Ended December 31, 2023 CI

Valuation

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Capitalization 1 5.799 4.82 4.029 3.766 4.029 4.73
Enterprise Value (EV) 1 3.186 1.242 0.0487 0.6463 1.498 3.398
P/E ratio -15.5 x -17.3 x -8.03 x -4.56 x -5.67 x -11.1 x
Yield - - - - - -
Capitalization / Revenue 3.48 x 3.78 x 3.84 x 3.81 x 3.07 x 2.22 x
EV / Revenue 1.91 x 0.97 x 0.05 x 0.65 x 1.14 x 1.59 x
EV / EBITDA - - - - - -
EV / FCF - - - - - -
FCF Yield - - - - - -
Price to Book 0.55 x 0.47 x 0.41 x 0.42 x 0.49 x 0.6 x
Nbr of stocks (in thousands) 7,531 7,531 7,531 7,531 7,531 7,531
Reference price 2 0.7700 0.6400 0.5350 0.5000 0.5350 0.6280
Announcement Date 5/31/19 7/31/20 5/28/21 5/30/22 5/30/23 5/31/24
1PLN in Million2PLN
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net sales 1 1.667 1.275 1.049 0.9891 1.312 2.133
EBITDA - - - - - -
EBIT - - - - - -
Operating Margin - - - - - -
Earnings before Tax (EBT) 1 -0.3027 -0.2588 -0.502 -0.8263 -0.7102 -0.4258
Net income 1 -0.374 -0.2786 -0.502 -0.8263 -0.7102 -0.4258
Net margin -22.43% -21.85% -47.84% -83.54% -54.13% -19.96%
EPS 2 -0.0497 -0.0370 -0.0667 -0.1097 -0.0943 -0.0565
Free Cash Flow - - - - - -
FCF margin - - - - - -
FCF Conversion (EBITDA) - - - - - -
FCF Conversion (Net income) - - - - - -
Dividend per Share - - - - - -
Announcement Date 5/31/19 7/31/20 5/28/21 5/30/22 5/30/23 5/31/24
1PLN in Million2PLN
Estimates

Balance Sheet Analysis

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net Debt 1 - - - - - -
Net Cash position 1 2.61 3.58 3.98 3.12 2.53 1.33
Leverage (Debt/EBITDA) - - - - - -
Free Cash Flow - - - - - -
ROE (net income / shareholders' equity) -3.47% -2.67% -4.99% -8.79% -8.23% -5.28%
ROA (Net income/ Total Assets) -3.38% -2.61% -4.89% -8.6% -8.02% -5.13%
Assets 1 11.08 10.69 10.27 9.613 8.858 8.301
Book Value Per Share 2 1.410 1.370 1.300 1.190 1.100 1.040
Cash Flow per Share 2 0.3500 0.4800 0.5300 0.4100 0.3400 0.1800
Capex 1 0.01 - 0.02 0.04 0.05 0
Capex / Sales 0.39% - 1.44% 3.71% 4.16% 0.05%
Announcement Date 5/31/19 7/31/20 5/28/21 5/30/22 5/30/23 5/31/24
1PLN in Million2PLN
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

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Personal & Car Loans
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