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

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

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Comparison

Company

Score

Quality

Valuation

Financial

Technical

Gielda Papierow Wartosciowych w Warszawie SA

XTB SA

Dom Maklerski IDM SA

Black Pearl SA

Why is XTB SA ?

Strong Long Term Fundamental Strength with a 68.87% CAGR growth in Operating Profits

Negative results in Jun 25

INTEREST COVERAGE RATIO(Q) Lowest at 711.07
DEBT-EQUITY RATIO (HY) Highest at 0 %
DEBTORS TURNOVER RATIO(HY) Lowest at 0%

With ROE of 48.60%, it has a fair valuation with a 4.48 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 -2.68%, its profits have risen by 8% ; the PEG ratio of the company is 1.1

Underperformed the market in the last 1 year

Even though the market (Poland WIG) has generated returns of 37.76% in the last 1 year, the stock has hugely underperformed and has generate negative returns of -2.68% returns

Real-Time Research Report

Verdict Report

How much should you hold?

Overall Portfolio exposure to XTB SA should be less than 10%
Overall Portfolio exposure to Capital Markets should be less than 30%

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Capital Markets)

When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock

Is XTB SA for you?

Medium Risk, Low Return

Absolute

Risk Adjusted

Volatility

XTB SA

-2.25%

0.17

32.61%

Poland WIG

39.24%

1.84

20.48%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

52.40%

EBIT Growth (5y)

68.87%

EBIT to Interest (avg)

100.00

Debt to EBITDA (avg)

Negative Net Debt

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

18.27%

Dividend Payout Ratio

74.77%

Pledged Shares

Institutional Holding

ROCE (avg)

266.93%

ROE (avg)

42.20%

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

4.48

EV to EBIT

6.34

EV to EBITDA

6.22

EV to Capital Employed

49.91

EV to Sales

3.17

PEG Ratio

1.11

Dividend Yield

8.10%

ROCE (Latest)

787.09%

ROE (Latest)

48.60%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bullish

Mildly Bearish

RSI

No Signal

Bollinger Bands

Mildly Bearish

Bearish

Moving Averages

Mildly Bearish (Daily)

KST

Bearish

Mildly Bearish

Dow Theory

Mildly Bullish

OBV

Mildly Bullish

Mildly Bearish

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

6What is working for the Company

OPERATING CASH FLOW(Y)

Highest at PLN 2,263.2 MM

RAW MATERIAL COST(Y)

Fallen by 0.75% (YoY

PRE-TAX PROFIT(Q)

Highest at PLN 260.78 MM

NET PROFIT(Q)

Highest at PLN 216.13 MM

-15What is not working for the Company

INTEREST COVERAGE RATIO(Q)

Lowest at 711.07

DEBT-EQUITY RATIO (HY)

Highest at 0 %

DEBTORS TURNOVER RATIO(HY)

Lowest at 0%

INTEREST(Q)

Highest at PLN 41.3 MM

EPS(Q)

Lowest at PLN 0

Here's what is working for XTB SA

Operating Cash Flow

Highest at PLN 2,263.2 MM and Grown

In each year in the last three years

MOJO Watch

The company has generated higher cash revenues from business operations

Operating Cash Flows (PLN MM)

Pre-Tax Profit

Highest at PLN 260.78 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (PLN MM)

Net Profit

Highest at PLN 216.13 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is positive

Net Profit (PLN MM)

Raw Material Cost

Fallen by 0.75% (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

Depreciation

Highest at PLN 5.98 MM

in the last five periods

MOJO Watch

The expenditure on assets done by the company may have gone into operation

Depreciation (PLN MM)

Here's what is not working for XTB SA

Interest

At PLN 41.3 MM has Grown at 10,355.44%

period on period (QoQ)

MOJO Watch

Rising interest cost signifies increased borrowings

Interest Paid (PLN MM)

Interest Coverage Ratio

Lowest at 711.07

in the last five periods

MOJO Watch

The company's ability to manage interest payments is deteriorating

Operating Profit to Interest

Interest

Highest at PLN 41.3 MM

in the last five periods and Increased by 10,355.44% (QoQ)

MOJO Watch

Rising interest cost signifies increased borrowings

Interest Paid (PLN MM)

EPS

Lowest at PLN 0

in the last five periods

MOJO Watch

Declining profitability; company has created lower earnings for shareholders

EPS (PLN)

Debt-Equity Ratio

Highest at 0 %

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

Debtors Turnover Ratio

Lowest at 0%

in the last five Semi-Annual periods

MOJO Watch

Company's pace of selling Debtors has slowed

Debtors Turnover Ratio