ScoreWhy is WISE FINANCE SA ?
1
Weak Long Term Fundamental Strength with an average Return on Equity (ROE) of 15.09%
- The company has been able to generate a Return on Equity (avg) of 15.09% signifying low profitability per unit of shareholders funds
2
Weak Long Term Fundamental Strength with an average Return on Equity (ROE) of 15.09%
3
Flat results in Jun 26
- NET SALES(HY) At PLN 5.99 MM has Grown at -54.44%
- PRE-TAX PROFIT(Q) At PLN -0.56 MM has Fallen at -129.39%
- NET PROFIT(Q) At PLN -0.56 MM has Fallen at -129.39%
4
With ROE of -14.70%, it has a risky valuation with a 0.61 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of -10.76%, its profits have fallen by -331%
5
Consistent Underperformance against the benchmark over the last 3 years
- Along with generating -10.76% 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 hold?
- Overall Portfolio exposure to WISE FINANCE SA should be less than 10%
- Overall Portfolio exposure to Realty should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Realty)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is WISE FINANCE SA for you?
High Risk, Low Return
Absolute
Risk Adjusted
Volatility
WISE FINANCE SA
-10.76%
-0.69
51.45%
Poland WIG
43.29%
2.67
16.21%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
50.50%
EBIT Growth (5y)
-229.51%
EBIT to Interest (avg)
2.41
Debt to EBITDA (avg)
Negative Net Debt
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
0
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
19.28%
ROE (avg)
15.09%
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
NA (Loss Making)
Industry P/E
Price to Book Value
0.61
EV to EBIT
-5.48
EV to EBITDA
-8.53
EV to Capital Employed
0.61
EV to Sales
1.17
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
-11.10%
ROE (Latest)
-14.70%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Bearish
RSI
Bearish
No Signal
Bollinger Bands
Mildly Bullish
Bearish
Moving Averages
Mildly Bearish (Daily)
KST
Mildly Bullish
Bearish
Dow Theory
No Trend
No Trend
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend9What is working for the Company
NET PROFIT(HY)
Higher at PLN 0.57 MM
RAW MATERIAL COST(Y)
Fallen by -133.57% (YoY
DEBT-EQUITY RATIO
(HY)
Lowest at 146.12 %
-16What is not working for the Company
NET SALES(HY)
At PLN 5.99 MM has Grown at -54.44%
PRE-TAX PROFIT(Q)
At PLN -0.56 MM has Fallen at -129.39%
NET PROFIT(Q)
At PLN -0.56 MM has Fallen at -129.39%
OPERATING CASH FLOW(Y)
Lowest at PLN 1.53 MM
Here's what is working for WISE FINANCE SA
Debt-Equity Ratio
Lowest at 146.12 %
in the last five Semi-Annual periodsMOJO Watch
The company has been reducing its borrowing as compared to equity capital
Debt-Equity Ratio
Raw Material Cost
Fallen by -133.57% (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 WISE FINANCE SA
Net Sales
At PLN 5.99 MM has Grown at -54.44%
Year on Year (YoY)MOJO Watch
Near term sales trend is very negative
Net Sales (PLN MM)
Pre-Tax Profit
At PLN -0.56 MM has Fallen at -129.39%
over average net sales of the previous four periods of PLN -0.24 MMMOJO Watch
Near term Pre-Tax Profit trend is very negative
Pre-Tax Profit (PLN MM)
Net Profit
At PLN -0.56 MM has Fallen at -129.39%
over average net sales of the previous four periods of PLN -0.24 MMMOJO Watch
Near term Net Profit trend is very negative
Net Profit (PLN MM)
Operating Cash Flow
Lowest at PLN 1.53 MM
in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (PLN MM)
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