mPay SA (MPY) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

Bank Handlowy w Warszawie SA

Bank Ochrony Srodowiska SA

BANK POLSKA KASA OPIEKI SA

BNP Paribas Bank Polska SA

ING Bank Slaski SA

Santander Bank Polska SA

Bank Millennium SA

Alior Bank SA

Getin Holding SA

mPay SA

Why is mPay SA ?

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

Poor long term growth as Operating profit has grown by an annual rate 17.29% of over the last 5 years

Negative results in Mar 25

OPERATING CASH FLOW(Y) Lowest at PLN -7.54 MM
NET PROFIT(HY) At PLN 0.06 MM has Grown at -76.7%
INTEREST(HY) At PLN 1.13 MM has Grown at 118.87%

With ROE of 0.69%, it has a very expensive valuation with a 1.44 Price to Book Value

Over the past year, while the stock has generated a return of 17.78%, its profits have fallen by -17%

Underperformed the market in the last 1 year

The stock has generated a return of 17.78% in the last 1 year, much lower than market (Poland WIG) returns of 37.84%

Real-Time Research Report

Verdict Report

How 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%

-0.82

62.52%

Poland WIG

34.87%

1.84

20.56%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

18.80%

EBIT Growth (5y)

17.29%

EBIT to Interest (avg)

0.28

Debt to EBITDA (avg)

Negative Net Debt

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

6.53%

Dividend Payout Ratio

Pledged Shares

Institutional Holding

ROCE (avg)

3.01%

ROE (avg)

1.09%

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

1.44

EV to EBIT

17.87

EV to EBITDA

11.60

EV to Capital Employed

1.38

EV to Sales

0.82

PEG Ratio

Dividend Yield

ROCE (Latest)

7.72%

ROE (Latest)

0.69%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bullish

RSI

No Signal

Bollinger Bands

Bullish

Mildly Bearish

Moving Averages

Mildly Bearish (Daily)

KST

Mildly Bullish

Dow Theory

Mildly Bullish

No Trend

OBV

Mildly Bearish

No Trend

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

8What is working for the Company

PRE-TAX PROFIT(Q)

At PLN 0.04 MM has Grown at 492.96%

OPERATING PROFIT(Q)

Highest at PLN 0.67 MM

OPERATING PROFIT MARGIN(Q)

Highest at 11.85 %

RAW MATERIAL COST(Y)

Fallen by -311.06% (YoY

-35What is not working for the Company

OPERATING CASH FLOW(Y)

Lowest at PLN -7.54 MM

NET PROFIT(HY)

At PLN 0.06 MM has Grown at -76.7%

INTEREST(HY)

At PLN 1.13 MM has Grown at 118.87%

ROCE(HY)

Lowest at 0.52%

NET SALES(Q)

Lowest at PLN 5.63 MM

DEBT-EQUITY RATIO (HY)

Highest at 18.9 %

INVENTORY TURNOVER RATIO(HY)

Lowest at 8.17%

DEBTORS TURNOVER RATIO(HY)

Lowest at 6.86%

Here's what is working for mPay SA

Pre-Tax Profit

At PLN 0.04 MM has Grown at 492.96%

over average net sales of the previous four periods of PLN 0.01 MM

MOJO Watch

Near term Pre-Tax Profit trend is very positive

Pre-Tax Profit (PLN MM)

Operating Profit

Highest at PLN 0.67 MM and Grown

In each period in the last five periods

MOJO Watch

Near term Operating Profit trend is quite positive

Operating Profit (PLN MM)

Operating Profit Margin

Highest at 11.85 % and Grown

In each period in the last five periods

MOJO Watch

Company's profit margin has improved

Operating Profit to Sales

Raw Material Cost

Fallen by -311.06% (YoY)

MOJO Watch

The company's ability to pass on the cost of raw materials to customers has improved; this may lead to a rise in profit margin

Raw Material Cost as a percentage of Sales

Here's what is not working for mPay SA

Net Sales

At PLN 5.63 MM has Fallen at -26.13%

over average net sales of the previous four periods of PLN 7.62 MM

MOJO Watch

Near term sales trend is extremely negative

Net Sales (PLN MM)

Net Profit

At PLN 0.06 MM has Grown at -76.7%

Year on Year (YoY)

MOJO Watch

Near term Net Profit trend is very negative

Net Profit (PLN MM)

Interest

At PLN 1.13 MM has Grown at 118.87%

over previous Semi-Annual period

MOJO Watch

Rising interest cost signifies increased borrowings

Interest Paid (PLN MM)

Operating Cash Flow

Lowest at PLN -7.54 MM and Fallen

In each year in the last three years

MOJO Watch

The company's cash revenues from business operations are falling

Operating Cash Flows (PLN MM)

Net Sales

Lowest at PLN 5.63 MM and Fallen

In each period in the last five periods

MOJO Watch

Near term sales trend is very negative

Net Sales (PLN MM)

Debt-Equity Ratio

Highest at 18.9 %

in the last five Semi-Annual periods

MOJO Watch

The company is borrowing more to fund its operations; it's liquidity situation may be stressed

Debt-Equity Ratio

Inventory Turnover Ratio

Lowest at 8.17%

in the last five Semi-Annual periods

MOJO Watch

Company's pace of selling inventory has slowed

Inventory Turnover Ratio

Debtors Turnover Ratio

Lowest at 6.86%

in the last five Semi-Annual periods

MOJO Watch

Company's pace of selling Debtors has slowed

Debtors Turnover Ratio