ScoreWhy is XTB SA ?
1
Strong Long Term Fundamental Strength with a 9.13% CAGR growth in Operating Profits
2
With a growth in Net Profit of 195.76%, the company declared Outstanding results in Mar 26
- OPERATING CASH FLOW(Y) Highest at PLN 2,993.45 MM
- DEBT-EQUITY RATIO (HY) Lowest at -337.12 %
- INTEREST COVERAGE RATIO(Q) The company hardly has any interest cost
3
Market Beating performance in long term as well as near term
- Along with generating 30.94% returns in the last 1 year, the stock has outperformed Poland WIG in the last 3 years, 1 year and 3 months
Real-Time Research ReportHow much should you buy?
- 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, High Return
Absolute
Risk Adjusted
Volatility
XTB SA
31.3%
1.84
32.49%
Poland WIG
29.57%
1.74
17.24%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
23.00%
EBIT Growth (5y)
9.13%
EBIT to Interest (avg)
100.00
Debt to EBITDA (avg)
Negative Net Debt
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
18.27%
Dividend Payout Ratio
74.28%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
266.93%
ROE (avg)
42.20%
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
19
Industry P/E
Price to Book Value
4.88
EV to EBIT
4.57
EV to EBITDA
4.44
EV to Capital Employed
-0.63
EV to Sales
1.69
PEG Ratio
NA
Dividend Yield
3.85%
ROCE (Latest)
Negative Capital Employed
ROE (Latest)
25.35%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
Mildly Bearish
No Trend
OBV
No Trend
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend29What is working for the Company
OPERATING CASH FLOW(Y)
Highest at PLN 2,993.45 MM
DEBT-EQUITY RATIO
(HY)
Lowest at -337.12 %
INTEREST COVERAGE RATIO(Q)
The company hardly has any interest cost
RAW MATERIAL COST(Y)
Fallen by -3.32% (YoY
CASH AND EQV(HY)
Highest at PLN 16,448.89 MM
NET SALES(Q)
Highest at PLN 1,129.65 MM
PRE-TAX PROFIT(Q)
Highest at PLN 660.41 MM
NET PROFIT(Q)
Highest at PLN 535.03 MM
EPS(Q)
Highest at PLN 4.55
-3What is not working for the Company
DEBT-EQUITY RATIO
(HY)
Highest at 0 %
DEBTORS TURNOVER RATIO(HY)
Lowest at 0 times
EPS(Q)
Lowest at PLN 0
Here's what is working for XTB SA
Net Sales
At PLN 1,129.65 MM has Grown at 102.05%
over average net sales of the previous four periods of PLN 559.09 MMMOJO Watch
Near term sales trend is extremely positive
Net Sales (PLN MM)
Operating Cash Flow
Highest at PLN 2,993.45 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (PLN MM)
Pre-Tax Profit
At PLN 660.41 MM has Grown at 239.81%
over average net sales of the previous four periods of PLN 194.35 MMMOJO Watch
Near term Pre-Tax Profit trend is very positive
Pre-Tax Profit (PLN MM)
Net Profit
At PLN 535.03 MM has Grown at 232.22%
over average net sales of the previous four periods of PLN 161.05 MMMOJO Watch
Near term Net Profit trend is very positive
Net Profit (PLN MM)
Debt-Equity Ratio
Lowest at -337.12 % and Grown
In each half year in the last five Semi-Annual periodsMOJO Watch
The company has been reducing its borrowing as compared to equity capital
Debt-Equity Ratio
Net Sales
Highest at PLN 1,129.65 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (PLN MM)
Pre-Tax Profit
Highest at PLN 660.41 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (PLN MM)
Net Profit
Highest at PLN 535.03 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (PLN MM)
EPS
Highest at PLN 4.55
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (PLN)
Cash and Eqv
Highest at PLN 16,448.89 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Raw Material Cost
Fallen by -3.32% (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 XTB SA
EPS
Lowest at PLN 0
in the last five periodsMOJO Watch
Declining profitability; company has created lower earnings for shareholders
EPS (PLN)
Debt-Equity Ratio
Highest at 0 %
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
Debtors Turnover Ratio
Lowest at 0 times
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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