ScoreWhy is mPay SA ?
1
Poor Management Efficiency with a low ROE of 1.09%
- The company has been able to generate a Return on Equity (avg) of 1.09% signifying low profitability per unit of shareholders funds
2
Company's ability to service its debt is weak with a poor EBIT to Interest (avg) ratio of 0.28
- Poor long term growth as Operating profit has grown by an annual rate 11.71% of over the last 5 years
- Company's ability to service its debt is weak with a poor EBIT to Interest (avg) ratio of 0.28
- The company has been able to generate a Return on Equity (avg) of 1.09% signifying low profitability per unit of shareholders funds
3
Poor long term growth as Operating profit has grown by an annual rate 11.71% of over the last 5 years
4
With a fall in Operating Profit of -125.8%, the company declared Very Negative results in Jun 26
- The company has declared negative results for the last 8 consecutive quarters
- PRE-TAX PROFIT(Q) At PLN -1.45 MM has Fallen at -131.77%
- NET PROFIT(Q) At PLN -1.45 MM has Fallen at -170.74%
- ROCE(HY) Lowest at -23.74%
5
Risky -
- The stock is trading risky as compared to its average historical valuations
- Over the past year, while the stock has generated a return of -64.02%, its profits have fallen by -140%
Real-Time Research ReportHow much should you sell?
- All quantity irrespective of whether you are making profits or losses
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to re-enter? - We will constantly monitor the company and review our call based on new data
Is mPay SA for you?
High Risk, Low Return
Absolute
Risk Adjusted
Volatility
mPay SA
-100.0%
-1.19
66.03%
Poland WIG
37.09%
2.22
16.73%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
12.60%
EBIT Growth (5y)
11.71%
EBIT to Interest (avg)
0.47
Debt to EBITDA (avg)
Negative Net Debt
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
21.81%
Dividend Payout Ratio
0
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
3.80%
ROE (avg)
1.09%
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
NA (Loss Making)
Industry P/E
Price to Book Value
0.69
EV to EBIT
12.85
EV to EBITDA
9.36
EV to Capital Employed
0.71
EV to Sales
0.64
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
4.28%
ROE (Latest)
-7.66%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Mildly Bearish
Moving Averages
Bearish (Daily)
KST
Bearish
Bearish
Dow Theory
No Trend
No Trend
OBV
Mildly Bullish
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend3What is working for the Company
OPERATING CASH FLOW(Y)
Highest at PLN 4.29 MM
DEBT-EQUITY RATIO
(HY)
Lowest at -0.78 %
-39What is not working for the Company
PRE-TAX PROFIT(Q)
At PLN -1.45 MM has Fallen at -131.77%
NET PROFIT(Q)
At PLN -1.45 MM has Fallen at -170.74%
ROCE(HY)
Lowest at -23.74%
INVENTORY TURNOVER RATIO(HY)
Lowest at 3.43 times
DEBTORS TURNOVER RATIO(HY)
Lowest at 2.83 times
NET SALES(Q)
Lowest at PLN 3.55 MM
OPERATING PROFIT(Q)
Lowest at PLN -0.13 MM
OPERATING PROFIT MARGIN(Q)
Lowest at -3.53 %
RAW MATERIAL COST(Y)
Grown by 162.66% (YoY
CASH AND EQV(HY)
Lowest at PLN 3.66 MM
Here's what is working for mPay SA
Operating Cash Flow
Highest at PLN 4.29 MM
in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (PLN MM)
Debt-Equity Ratio
Lowest at -0.78 %
in the last five Semi-Annual periodsMOJO Watch
The company has been reducing its borrowing as compared to equity capital
Debt-Equity Ratio
Here's what is not working for mPay SA
Net Sales
At PLN 3.55 MM has Fallen at -21.71%
over average net sales of the previous four periods of PLN 4.53 MMMOJO Watch
Near term sales trend is extremely negative
Net Sales (PLN MM)
Pre-Tax Profit
At PLN -1.45 MM has Fallen at -131.77%
over average net sales of the previous four periods of PLN -0.63 MMMOJO Watch
Near term Pre-Tax Profit trend is very negative
Pre-Tax Profit (PLN MM)
Net Profit
At PLN -1.45 MM has Fallen at -170.74%
over average net sales of the previous four periods of PLN -0.54 MMMOJO Watch
Near term Net Profit trend is very negative
Net Profit (PLN MM)
Net Sales
Lowest at PLN 3.55 MM and Fallen
In each period in the last five periodsMOJO Watch
Near term sales trend is very negative
Net Sales (PLN MM)
Operating Profit
Lowest at PLN -0.13 MM and Fallen
In each period in the last five periodsMOJO Watch
Near term Operating Profit trend is quite negative
Operating Profit (PLN MM)
Operating Profit Margin
Lowest at -3.53 % and Fallen
In each period in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
Inventory Turnover Ratio
Lowest at 3.43 times and Fallen
In each half year in the last five Semi-Annual periodsMOJO Watch
Company's pace of selling inventory has slowed
Inventory Turnover Ratio
Debtors Turnover Ratio
Lowest at 2.83 times and Fallen
In each half year in the last five Semi-Annual periodsMOJO Watch
Company's pace of selling Debtors has slowed
Debtors Turnover Ratio
Cash and Eqv
Lowest at PLN 3.66 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
Raw Material Cost
Grown by 162.66% (YoY)
MOJO Watch
The company's ability to pass on the cost of raw materials to customers has deteriorated; this may lead to a fall in profit margin
Raw Material Cost as a percentage of Sales
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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