Stock PRI PRAGMA INKASO S.A.
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Financials Pragma Inkaso S.A.

Equities

PRI

PLPRGNK00017

Corporate Financial Services

Market Closed - Warsaw S.E.
Other stock markets
 11:55:57 2024-05-02 am EDT 		5-day change 1st Jan Change
4.56 PLN 0.00% Intraday chart for Pragma Inkaso S.A. -2.98% +3.64%
Mar. 29 Pragma Inkaso S.A. Reports Earnings Results for the Full Year Ended December 31, 2023 CI
2023 Pragma Inkaso S.A. Reports Earnings Results for the Third Quarter and Nine Months Ended September 30, 2023 CI

Valuation

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Capitalization 1 36.51 25.47 21.42 13.91 11.78 16.19
Enterprise Value (EV) 1 191.6 120.7 45.3 19.23 14.8 13.45
P/E ratio -70.9 x -2.25 x -3.22 x -3.9 x -5.22 x -
Yield - - 30.4% - - -
Capitalization / Revenue 0.82 x 0.66 x 6.61 x 3.1 x 2.49 x 3.86 x
EV / Revenue 4.31 x 3.14 x 14 x 4.28 x 3.13 x 3.21 x
EV / EBITDA 18.2 x 14.1 x -13.9 x -49.6 x -13 x -95.2 x
EV / FCF 12.3 x 3.15 x 0.79 x 0.61 x -4.99 x 3.64 x
FCF Yield 8.16% 31.8% 127% 164% -20% 27.5%
Price to Book 0.81 x 0.61 x 0.8 x 0.53 x 0.5 x -
Nbr of stocks (in thousands) 3,680 3,680 3,680 3,680 3,680 3,680
Reference price 2 9.920 6.920 5.820 3.780 3.200 4.400
Announcement Date 4/30/19 6/5/20 4/30/21 5/16/22 4/27/23 3/29/24
1PLN in Million2PLN
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net sales 1 44.5 38.5 3.24 4.492 4.734 4.19
EBITDA 1 10.52 8.57 -3.253 -0.3874 -1.138 -0.1413
EBIT 1 9.101 6.927 -3.902 -1.041 -1.796 -0.783
Operating Margin 20.45% 17.99% -120.45% -23.17% -37.93% -18.69%
Earnings before Tax (EBT) 1 -0.6818 -12.37 -8.6 -0.7294 -2.078 -1.463
Net income 1 -0.5057 -11.32 -6.642 -3.571 -2.256 -1.141
Net margin -1.14% -29.41% -205.04% -79.49% -47.66% -27.22%
EPS 2 -0.1400 -3.080 -1.805 -0.9703 -0.6131 -
Free Cash Flow 1 15.63 38.37 57.67 31.55 -2.966 3.693
FCF margin 35.12% 99.66% 1,780.16% 702.38% -62.65% 88.14%
FCF Conversion (EBITDA) 148.6% 447.71% - - - -
FCF Conversion (Net income) - - - - - -
Dividend per Share - - 1.770 - - -
Announcement Date 4/30/19 6/5/20 4/30/21 5/16/22 4/27/23 3/29/24
1PLN in Million2PLN
Estimates

Balance Sheet Analysis

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net Debt 1 155 95.3 23.9 5.32 3.02 -
Net Cash position 1 - - - - - 2.74
Leverage (Debt/EBITDA) 14.74 x 11.12 x -7.34 x -13.74 x -2.655 x -
Free Cash Flow 1 15.6 38.4 57.7 31.6 -2.97 3.69
ROE (net income / shareholders' equity) -0.73% -17.4% -17.3% -11.9% -9.07% -5.08%
ROA (Net income/ Total Assets) 2.15% 1.94% -1.4% -0.65% -1.95% -0.66%
Assets 1 -23.47 -582.3 474.8 550.4 115.5 173.1
Book Value Per Share 2 12.20 11.30 7.250 7.070 6.450 -
Cash Flow per Share 2 1.880 2.950 1.070 0.7400 1.170 -
Capex 1 0.6 0.11 - 0.05 - 0
Capex / Sales 1.35% 0.28% - 1.06% - 0.08%
Announcement Date 4/30/19 6/5/20 4/30/21 5/16/22 4/27/23 3/29/24
1PLN in Million2PLN
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

Sector Factoring

1st Jan change Capi.
PRAGMA INKASO S.A. Stock Pragma Inkaso S.A.
+3.64% 4.18M
BFF BANK S.P.A. Stock BFF Bank S.p.A.
+15.31% 2.39B
GARANTI FAKTORING Stock Garanti Faktoring
+129.28% 433M
GENERALFINANCE S.P.A. Stock Generalfinance S.p.A.
+16.67% 148M
LIDER FAKTORING Stock Lider Faktoring
+13.55% 72.97M
GOME FINANCE TECHNOLOGY CO., LTD. Stock Gome Finance Technology Co., Ltd.
-25.28% 68.46M
ULUSAL FAKTORING Stock Ulusal Faktoring
+52.51% 56.46M
Factoring
  1. Stock Market
  2. Equities
  3. PRI Stock
  4. Financials Pragma Inkaso S.A.