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 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%
4
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 -19.51%, its profits have fallen by -17%
5
Consistent Underperformance against the benchmark over the last 3 years
- Along with generating -19.51% 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
-21.54%
-0.81
67.83%
Poland WIG
39.24%
1.84
20.48%
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
Mildly Bearish
Mildly Bearish
Moving Averages
Bearish (Daily)
KST
Bearish
Mildly Bullish
Dow Theory
Mildly Bearish
Mildly Bearish
OBV
Mildly Bearish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend8What 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 MMMOJO 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 periodsMOJO 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 periodsMOJO 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 MMMOJO 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 periodMOJO 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 yearsMOJO 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 periodsMOJO 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 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 8.17%
in the last five Semi-Annual periodsMOJO 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 periodsMOJO Watch
Company's pace of selling Debtors has slowed
Debtors Turnover Ratio
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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