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
Poor long term growth as Operating profit has grown by an annual rate 17.29% of over the last 5 years
3
Negative results in Sep 25
- OPERATING CASH FLOW(Y) Lowest at PLN -6.33 MM
- INTEREST(HY) At PLN 1.33 MM has Grown at 74.3%
- RAW MATERIAL COST(Y) Grown by 5.29% (YoY)
4
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 -3.53%, its profits have fallen by -17%
5
Consistent Underperformance against the benchmark over the last 3 years
- Along with generating -3.53% returns in the last 1 year, the stock has also underperformed Poland WIG in each of the last 3 annual periods
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
-3.53%
-0.95
63.79%
Poland WIG
27.62%
1.38
19.95%
Quality
Management Risk
Growth
Capital StructureQuality 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)
0
Sales to Capital Employed (avg)
0
Tax Ratio
6.53%
Dividend Payout Ratio
0
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
3.01%
ROE (avg)
1.09%
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
22
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
NA
Dividend Yield
NA
ROCE (Latest)
7.72%
ROE (Latest)
0.69%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Bearish
Moving Averages
Bearish (Daily)
KST
Mildly Bullish
Mildly Bullish
Dow Theory
Mildly Bearish
Mildly Bullish
OBV
Mildly Bearish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend19What is working for the Company
NET PROFIT(Q)
Highest at PLN 0.09 MM
PRE-TAX PROFIT(Q)
Highest at PLN 0.09 MM
EPS(Q)
Highest at PLN 0
-27What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at PLN -6.33 MM
INTEREST(HY)
At PLN 1.33 MM has Grown at 74.3%
RAW MATERIAL COST(Y)
Grown by 5.29% (YoY
DEBT-EQUITY RATIO
(HY)
Highest at 64.78 %
INVENTORY TURNOVER RATIO(HY)
Lowest at 6.36 times
DEBTORS TURNOVER RATIO(HY)
Lowest at 4.87 times
NET SALES(Q)
Lowest at PLN 4.3 MM
OPERATING PROFIT(Q)
Lowest at PLN 0.33 MM
OPERATING PROFIT MARGIN(Q)
Lowest at 7.58 %
Here's what is working for mPay SA
Pre-Tax Profit
At PLN 0.09 MM has Grown at 2,785.01%
over average net sales of the previous four periods of PLN -0 MMMOJO Watch
Near term Pre-Tax Profit trend is very positive
Pre-Tax Profit (PLN MM)
Net Profit
At PLN 0.09 MM has Grown at 417.35%
over average net sales of the previous four periods of PLN 0.02 MMMOJO Watch
Near term Net Profit trend is very positive
Net Profit (PLN MM)
Net Profit
Highest at PLN 0.09 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Net Profit trend is very positive
Net Profit (PLN MM)
Pre-Tax Profit
Highest at PLN 0.09 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (PLN MM)
EPS
Highest at PLN 0
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (PLN)
Here's what is not working for mPay SA
Net Sales
At PLN 4.3 MM has Fallen at -31.62%
over average net sales of the previous four periods of PLN 6.29 MMMOJO Watch
Near term sales trend is extremely negative
Net Sales (PLN MM)
Operating Cash Flow
Lowest at PLN -6.33 MM and Fallen
In each year in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (PLN MM)
Interest
At PLN 1.33 MM has Grown at 74.3%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (PLN MM)
Net Sales
Lowest at PLN 4.3 MM
in the last five periodsMOJO Watch
Near term sales trend is negative
Net Sales (PLN MM)
Operating Profit
Lowest at PLN 0.33 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (PLN MM)
Operating Profit Margin
Lowest at 7.58 %
in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
Debt-Equity Ratio
Highest at 64.78 %
in the last five Semi-Annual periodsMOJO 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 6.36 times
in the last five Semi-Annual periodsMOJO Watch
Company's pace of selling inventory has slowed
Inventory Turnover Ratio
Debtors Turnover Ratio
Lowest at 4.87 times
in the last five Semi-Annual periodsMOJO Watch
Company's pace of selling Debtors has slowed
Debtors Turnover Ratio
Raw Material Cost
Grown by 5.29% (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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