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 2024-06-06 pm EDT 		5-day change 1st Jan Change
1.55 PLN +7.64% Intraday chart for Wierzyciel S.A. +8.39% +146.82%
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 2017 2018 2019 2020 2021 2022
Capitalization 1 5.121 5.799 4.82 4.029 3.766 4.029
Enterprise Value (EV) 1 3.941 3.186 1.242 0.0487 0.6463 1.498
P/E ratio 39.6 x -15.5 x -17.3 x -8.03 x -4.56 x -5.67 x
Yield - - - - - -
Capitalization / Revenue 2.21 x 3.48 x 3.78 x 3.84 x 3.81 x 3.07 x
EV / Revenue 1.7 x 1.91 x 0.97 x 0.05 x 0.65 x 1.14 x
EV / EBITDA - - - - - -
EV / FCF - - - - - -
FCF Yield - - - - - -
Price to Book 0.47 x 0.55 x 0.47 x 0.41 x 0.42 x 0.49 x
Nbr of stocks (in thousands) 7,531 7,531 7,531 7,531 7,531 7,531
Reference price 2 0.6800 0.7700 0.6400 0.5350 0.5000 0.5350
Announcement Date 5/31/18 5/31/19 7/31/20 5/28/21 5/30/22 5/30/23
1PLN in Million2PLN
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2017 2018 2019 2020 2021 2022
Net sales 1 2.316 1.667 1.275 1.049 0.9891 1.312
EBITDA - - - - - -
EBIT - - - - - -
Operating Margin - - - - - -
Earnings before Tax (EBT) 1 0.2915 -0.3027 -0.2588 -0.502 -0.8263 -0.7102
Net income 1 0.1294 -0.374 -0.2786 -0.502 -0.8263 -0.7102
Net margin 5.59% -22.43% -21.85% -47.84% -83.54% -54.13%
EPS 2 0.0172 -0.0497 -0.0370 -0.0667 -0.1097 -0.0943
Free Cash Flow - - - - - -
FCF margin - - - - - -
FCF Conversion (EBITDA) - - - - - -
FCF Conversion (Net income) - - - - - -
Dividend per Share - - - - - -
Announcement Date 5/31/18 5/31/19 7/31/20 5/28/21 5/30/22 5/30/23
1PLN in Million2PLN
Estimates

Balance Sheet Analysis

Fiscal Period: December 2017 2018 2019 2020 2021 2022
Net Debt 1 - - - - - -
Net Cash position 1 1.18 2.61 3.58 3.98 3.12 2.53
Leverage (Debt/EBITDA) - - - - - -
Free Cash Flow - - - - - -
ROE (net income / shareholders' equity) 1.19% -3.47% -2.67% -4.99% -8.79% -8.23%
ROA (Net income/ Total Assets) 1.07% -3.38% -2.61% -4.89% -8.6% -8.02%
Assets 1 12.09 11.08 10.69 10.27 9.613 8.858
Book Value Per Share 2 1.460 1.410 1.370 1.300 1.190 1.100
Cash Flow per Share 2 0.1600 0.3500 0.4800 0.5300 0.4100 0.3400
Capex 1 0.04 0.01 - 0.02 0.04 0.05
Capex / Sales 1.7% 0.39% - 1.44% 3.71% 4.16%
Announcement Date 5/31/18 5/31/19 7/31/20 5/28/21 5/30/22 5/30/23
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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