Getin Holding SA (GTN) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

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Comparison

Company

Score

Quality

Valuation

Financial

Technical

Bank Handlowy w Warszawie SA

Bank Ochrony Srodowiska SA

BNP Paribas Bank Polska SA

BANK POLSKA KASA OPIEKI SA

Santander Bank Polska SA

Alior Bank SA

Bank Millennium SA

ING Bank Slaski SA

Getin Holding SA

mPay SA

Why is Getin Holding SA ?

Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 0% signifying inadequate buffers against its risk based assets

Poor long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at -54.00%
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 0% signifying inadequate buffers against its risk based assets
The bank has been able to generate a Return on Assets (avg) of -5.02% signifying low profitability per unit of total assets

Poor long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at -54.00%

The company declared very negative results in Sep'24 after flat results in Jun'24

NET SALES(HY) At PLN 0.84 MM has Grown at -53.7%
PRE-TAX PROFIT(Q) At PLN -0.63 MM has Fallen at -228.66%
NET PROFIT(Q) At PLN -0.63 MM has Fallen at -232.31%

With ROA of 0.15%, it has a very attractive valuation with a 0.68 Price to Book Value

Over the past year, while the stock has generated a return of -10.96%, its profits have risen by 127% ; the PEG ratio of the company is 0.4

Real-Time Research Report

Verdict Report

How much should you hold?

Overall Portfolio exposure to Getin Holding SA should be less than 10%
Overall Portfolio exposure to Regional Banks should be less than 30%

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)

When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock

Is Getin Holding SA for you?

High Risk, Low Return

Absolute

Risk Adjusted

Volatility

Getin Holding SA

-100.0%

0.15

102.44%

Poland WIG

41.33%

1.93

20.32%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

-66.40%

EBIT Growth (5y)

-162.96%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

91.15%

Pledged Shares

Institutional Holding

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

0.68

EV to EBIT

-12.36

EV to EBITDA

-12.70

EV to Capital Employed

0.72

EV to Sales

70.20

PEG Ratio

0.44

Dividend Yield

114.60%

ROCE (Latest)

-5.86%

ROE (Latest)

1.21%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bullish

Bearish

RSI

No Signal

Bollinger Bands

Sideways

Bearish

Moving Averages

Bearish (Daily)

KST

Bullish

Mildly Bearish

Dow Theory

No Trend

OBV

Mildly Bearish

Mildly Bullish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

12What is working for the Company

OPERATING CASH FLOW(Y)

Highest at PLN 144.11 MM

NET PROFIT(HY)

Higher at PLN 6.62 MM

OPERATING PROFIT(Q)

Highest at PLN -0.63 MM

-14What is not working for the Company

NET SALES(HY)

At PLN 0.84 MM has Grown at -53.7%

PRE-TAX PROFIT(Q)

At PLN -0.63 MM has Fallen at -228.66%

NET PROFIT(Q)

At PLN -0.63 MM has Fallen at -232.31%

Here's what is working for Getin Holding SA

Operating Cash Flow

Highest at PLN 144.11 MM and Grown

In each year in the last three years

MOJO Watch

The company has generated higher cash revenues from business operations

Operating Cash Flows (PLN MM)

Operating Profit

Highest at PLN -0.63 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is positive

Operating Profit (PLN MM)

Here's what is not working for Getin Holding SA

Net Sales

At PLN 0.84 MM has Grown at -53.7%

Year on Year (YoY)

MOJO Watch

Near term sales trend is very negative

Net Sales (PLN MM)

Pre-Tax Profit

At PLN -0.63 MM has Fallen at -228.66%

over average net sales of the previous four periods of PLN 0.49 MM

MOJO Watch

Near term Pre-Tax Profit trend is very negative

Pre-Tax Profit (PLN MM)

Net Profit

At PLN -0.63 MM has Fallen at -232.31%

over average net sales of the previous four periods of PLN 0.48 MM

MOJO Watch

Near term Net Profit trend is very negative

Net Profit (PLN MM)