ScoreWhy is Getin Holding SA ?
1
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
2
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%
3
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 -98.8%
- PRE-TAX PROFIT(Q) At PLN -0.63 MM has Fallen at -118.9%
- NET PROFIT(Q) At PLN -0.63 MM has Fallen at -136.16%
4
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 -20.25%, its profits have risen by 127% ; the PEG ratio of the company is 0.4
Real-Time Research ReportHow 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
-20.25%
0.10
102.54%
Poland WIG
27.62%
1.38
19.95%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
-66.40%
EBIT Growth (5y)
-162.96%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
91.15%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
56
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%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Bearish
Moving Averages
Bearish (Daily)
KST
Mildly Bearish
Bearish
Dow Theory
Mildly Bearish
Mildly Bearish
OBV
Mildly Bearish
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend
Not enough Data to analyse Financial Trend
Not enough Data to analyse Financial Trend
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 yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (PLN MM)
Here's what is not working for Getin Holding SA
Net Sales
At PLN 0.84 MM has Grown at -98.8%
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 -118.9%
over average net sales of the previous four periods of PLN 3.35 MMMOJO 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 -136.16%
over average net sales of the previous four periods of PLN 1.75 MMMOJO Watch
Near term Net Profit trend is very negative
Net Profit (PLN MM)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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