(BFT) Benefit Systems - Ratings and Ratios
Sports Cards, Culture Vouchers, Wellbeing Services, Online Platforms
BFT EPS (Earnings per Share)
BFT Revenue
Description: BFT Benefit Systems
Benefit Systems S.A. is a leading provider of non-pay employee benefits solutions in several European countries, including Poland, Czech Republic, Slovakia, Bulgaria, Croatia, and Turkey. The companys product portfolio includes the popular Multisport card, which grants access to sports facilities, as well as other solutions like MultiBilet and MultiTeatr for cultural and entertainment purposes. Additionally, Benefit Systems offers the MyBenefit platform for distributing sport cards and wellbeing services, and has developed MultiLife, an online product promoting employee well-being in areas such as mental health, personal development, and physical activity.
From a financial perspective, Benefit Systems S.A. has demonstrated strong performance, with a Return on Equity (RoE) of 38.59%, indicating a high level of profitability. The companys Market Capitalization stands at 10.22 billion PLN, and its Price-to-Earnings (P/E) ratio is 22.50, suggesting a reasonable valuation. To further evaluate the companys performance, other key metrics such as Revenue Growth, EBITDA Margin, and Employee Benefits penetration rate could be analyzed.
Considering the companys product offerings and geographical presence, it is likely that Benefit Systems S.A. benefits from a diversified revenue stream and a strong market position. The growth of the employee benefits market, driven by increasing demand for wellness and lifestyle benefits, could be a key driver of the companys future performance. Key Performance Indicators (KPIs) such as the number of active Multisport card holders, revenue per employee, and client retention rate could provide further insights into the companys operational performance.
BFT Stock Overview
| Market Cap in USD | 3,028m |
| Sub-Industry | Leisure Products |
| IPO / Inception |
BFT Stock Ratings
| Growth Rating | 86.6% |
| Fundamental | 84.2% |
| Dividend Rating | 59.3% |
| Return 12m vs S&P 500 | 17.2% |
| Analyst Rating | - |
BFT Dividends
| Dividend Yield 12m | 2.14% |
| Yield on Cost 5y | 8.22% |
| Annual Growth 5y | 28.31% |
| Payout Consistency | 43.2% |
| Payout Ratio | 65.8% |
BFT Growth Ratios
| Growth Correlation 3m | 59.3% |
| Growth Correlation 12m | 88.1% |
| Growth Correlation 5y | 80.3% |
| CAGR 5y | 32.94% |
| CAGR/Max DD 5y | 0.62 |
| Sharpe Ratio 12m | 1.17 |
| Alpha | 25.97 |
| Beta | 0.193 |
| Volatility | 36.19% |
| Current Volume | 2.1k |
| Average Volume 20d | 3.3k |
| Stop Loss | 3261.8 (-3.8%) |
| Signal | -1.52 |
Piotroski VR‑10 (Strict, 0-10) 6.0
| Net Income (414.2m TTM) > 0 and > 6% of Revenue (6% = 212.9m TTM) |
| FCFTA 0.11 (>2.0%) and ΔFCFTA -13.54pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 16.75% (prev -1.38%; Δ 18.13pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.20 (>3.0%) and CFO 887.7m > Net Income 414.2m (YES >=105%, WARN >=100%) |
| Net Debt (-106.8m) to EBITDA (476.8m) ratio: -0.22 <= 3.0 (WARN <= 3.5) |
| Current Ratio 1.62 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (3.00m) change vs 12m ago 1.27% (target <= -2.0% for YES) |
| Gross Margin 35.48% (prev 34.69%; Δ 0.79pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 95.60% (prev 100.1%; Δ -4.48pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 7.62 (EBITDA TTM 476.8m / Interest Expense TTM 62.6m) >= 6 (WARN >= 3) |
Altman Z'' 2.70
| (A) 0.13 = (Total Current Assets 1.55b - Total Current Liabilities 960.3m) / Total Assets 4.48b |
| (B) 0.20 = Retained Earnings (Balance) 915.4m / Total Assets 4.48b |
| (C) 0.13 = EBIT TTM 476.8m / Avg Total Assets 3.71b |
| (D) 0.28 = Book Value of Equity 915.4m / Total Liabilities 3.22b |
| Total Rating: 2.70 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 84.20
| 1. Piotroski 6.0pt = 1.0 |
| 2. FCF Yield 4.55% = 2.27 |
| 3. FCF Margin 14.01% = 3.50 |
| 4. Debt/Equity 0.92 = 2.10 |
| 5. Debt/Ebitda 2.40 = -0.78 |
| 6. ROIC - WACC 19.13% = 12.50 |
| 7. RoE 38.59% = 2.50 |
| 8. Rev. Trend 97.50% = 4.88 |
| 9. Rev. CAGR 30.32% = 2.50 |
| 10. EPS Trend 58.63% = 1.47 |
| 11. EPS CAGR 22.72% = 2.27 |
What is the price of BFT shares?
Over the past week, the price has changed by -1.31%, over one month by +6.44%, over three months by +0.44% and over the past year by +35.47%.
Is Benefit Systems a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of BFT is around 4028.32 PLN . This means that BFT is currently undervalued and has a potential upside of +18.83% (Margin of Safety).
Is BFT a buy, sell or hold?
What are the forecasts/targets for the BFT price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 3808 | 12.3% |
| Analysts Target Price | - | - |
| ValueRay Target Price | 4400.1 | 29.8% |
BFT Fundamental Data Overview
Market Cap PLN = 11.04b (11.04b PLN * 1.0 PLN.PLN)
CCE Cash And Equivalents = 1.25b PLN (Cash only, last quarter)
P/E Trailing = 24.2935
P/S = 3.1113
P/B = 8.8196
Beta = 1.09
Revenue TTM = 3.55b PLN
EBIT TTM = 476.8m PLN
EBITDA TTM = 476.8m PLN
Long Term Debt = 1.10b PLN (from longTermDebt, last quarter)
Short Term Debt = 42.2m PLN (from shortLongTermDebt, last quarter)
Debt = 1.15b PLN (Calculated: Short Term 42.2m + Long Term 1.10b)
Net Debt = -106.8m PLN (calculated as Total Debt 1.15b - CCE 1.25b)
Enterprise Value = 10.93b PLN (11.04b + Debt 1.15b - CCE 1.25b)
Interest Coverage Ratio = 7.62 (Ebit TTM 476.8m / Interest Expense TTM 62.6m)
FCF Yield = 4.55% (FCF TTM 496.9m / Enterprise Value 10.93b)
FCF Margin = 14.01% (FCF TTM 496.9m / Revenue TTM 3.55b)
Net Margin = 11.67% (Net Income TTM 414.2m / Revenue TTM 3.55b)
Gross Margin = 35.48% ((Revenue TTM 3.55b - Cost of Revenue TTM 2.29b) / Revenue TTM)
Tobins Q-Ratio = 11.94 (Enterprise Value 10.93b / Book Value Of Equity 915.4m)
Interest Expense / Debt = 1.84% (Interest Expense 21.1m / Debt 1.15b)
Taxrate = 24.26% (from yearly Tax Provision: 145.7m / 600.3m)
NOPAT = 361.1m (EBIT 476.8m * (1 - 24.26%))
Current Ratio = 1.62 (Total Current Assets 1.55b / Total Current Liabilities 960.3m)
Debt / Equity = 0.92 (Debt 1.15b / last Quarter total Stockholder Equity 1.25b)
Debt / EBITDA = 2.40 (Net Debt -106.8m / EBITDA 476.8m)
Debt / FCF = 2.31 (Debt 1.15b / FCF TTM 496.9m)
Total Stockholder Equity = 1.07b (last 4 quarters mean)
RoA = 9.26% (Net Income 414.2m, Total Assets 4.48b )
RoE = 38.59% (Net Income TTM 414.2m / Total Stockholder Equity 1.07b)
RoCE = 21.90% (Ebit 476.8m / (Equity 1.07b + L.T.Debt 1.10b))
RoIC = 25.36% (NOPAT 361.1m / Invested Capital 1.42b)
WACC = 6.23% (E(11.04b)/V(12.19b) * Re(6.73%)) + (D(1.15b)/V(12.19b) * Rd(1.84%) * (1-Tc(0.24)))
Shares Correlation 5-Years: 60.0 | Cagr: 1.14%
Discount Rate = 6.73% (= CAPM, Blume Beta Adj.) -> floored to rf + ERP 8.05%
[DCF Debug] Terminal Value 81.43% ; FCFE base≈588.7m ; Y1≈726.2m ; Y5≈1.24b
Fair Price DCF = 6434 (DCF Value 21.07b / Shares Outstanding 3.28m; 5y FCF grow 25.0% → 3.0% )
Revenue Correlation: 97.50 | Revenue CAGR: 30.32%
Revenue Growth Correlation: -93.25%
EPS Correlation: 58.63 | EPS CAGR: 22.72%
Growth-of-Growth: -100.4