(BST) Best - Ratings and Ratios
Debt Collection, Securitized Assets, Non-Performing Debt
BST EPS (Earnings per Share)
BST Revenue
Description: BST Best
BEST S.A. (WAR:BST) is a debt collection company operating in Poland and Italy, providing services to various industries, including banking and telecommunications. The company has a history dating back to 1994 and is headquartered in Gdynia, Poland.
From a market perspective, BST is categorized under the Consumer Finance sub-industry, with a market capitalization of 740.49M PLN. Key performance indicators (KPIs) such as Return on Equity (RoE) of 10.12% indicate a relatively stable return for shareholders. The Price-to-Earnings (P/E) ratio of 6.77 suggests that the stock might be undervalued compared to its earnings, potentially making it an attractive investment opportunity.
To further evaluate BSTs performance, additional KPIs can be considered, such as Debt-to-Equity ratio, Interest Coverage ratio, and Revenue growth rate. These metrics can provide insights into the companys financial health, leverage, and ability to service its debt. Moreover, analyzing the companys portfolio composition, including the mix of performing and non-performing debt, can help assess its asset quality and potential for future growth.
Given the companys business model, its also essential to examine the regulatory environment and industry trends in Poland and Italy, as changes in laws or regulations can impact BSTs operations and profitability. Furthermore, evaluating the competitive landscape and BSTs market share can help determine its position within the debt collection industry.
BST Stock Overview
| Market Cap in USD | 199m |
| Sub-Industry | Consumer Finance |
| IPO / Inception |
BST Stock Ratings
| Growth Rating | 45.0% |
| Fundamental | 52.6% |
| Dividend Rating | 0.05% |
| Return 12m vs S&P 500 | 6.82% |
| Analyst Rating | - |
BST Dividends
Currently no dividends paidBST Growth Ratios
| Growth Correlation 3m | -10.7% |
| Growth Correlation 12m | 37.2% |
| Growth Correlation 5y | 42.2% |
| CAGR 5y | 12.09% |
| CAGR/Max DD 5y | 0.34 |
| Sharpe Ratio 12m | -0.13 |
| Alpha | 9.03 |
| Beta | 0.455 |
| Volatility | 53.92% |
| Current Volume | 0k |
| Average Volume 20d | 0.1k |
| Stop Loss | 24.2 (-3.2%) |
| Signal | -0.44 |
Piotroski VR‑10 (Strict, 0-10) 2.0
| Net Income (87.4m TTM) > 0 and > 6% of Revenue (6% = 20.0m TTM) |
| FCFTA -0.02 (>2.0%) and ΔFCFTA 6.20pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 107.0% (prev 102.5%; Δ 4.43pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA -0.02 (>3.0%) and CFO -32.0m <= Net Income 87.4m (YES >=105%, WARN >=100%) |
| Net Debt (759.8m) to EBITDA (105.9m) ratio: 7.18 <= 3.0 (WARN <= 3.5) |
| Current Ratio 2.24 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (22.8m) change vs 12m ago 0.98% (target <= -2.0% for YES) |
| Gross Margin 42.12% (prev 52.07%; Δ -9.94pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 18.98% (prev 18.38%; Δ 0.60pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 5.73 (EBITDA TTM 105.9m / Interest Expense TTM 18.5m) >= 6 (WARN >= 3) |
Altman Z'' 3.80
| (A) 0.19 = (Total Current Assets 643.4m - Total Current Liabilities 287.2m) / Total Assets 1.92b |
| (B) 0.42 = Retained Earnings (Balance) 799.8m / Total Assets 1.92b |
| (C) 0.06 = EBIT TTM 105.9m / Avg Total Assets 1.75b |
| (D) 0.78 = Book Value of Equity 799.8m / Total Liabilities 1.02b |
| Total Rating: 3.80 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 52.60
| 1. Piotroski 2.0pt = -3.0 |
| 2. FCF Yield -3.03% = -1.52 |
| 3. FCF Margin -13.56% = -5.08 |
| 4. Debt/Equity 0.99 = 2.03 |
| 5. Debt/Ebitda 8.35 = -2.50 |
| 6. ROIC - WACC 8.30% = 10.38 |
| 7. RoE 10.12% = 0.84 |
| 8. Rev. Trend 47.30% = 2.37 |
| 9. Rev. CAGR 15.86% = 1.98 |
| 10. EPS Trend -15.88% = -0.40 |
| 11. EPS CAGR -45.86% = -2.50 |
What is the price of BST shares?
Over the past week, the price has changed by -3.10%, over one month by -6.02%, over three months by -7.41% and over the past year by +23.76%.
Is Best a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of BST is around 23.53 PLN . This means that BST is currently overvalued and has a potential downside of -5.88%.
Is BST a buy, sell or hold?
What are the forecasts/targets for the BST price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | - | - |
| Analysts Target Price | - | - |
| ValueRay Target Price | 26.1 | 4.2% |
BST Fundamental Data Overview
Market Cap PLN = 729.1m (729.1m PLN * 1.0 PLN.PLN)
CCE Cash And Equivalents = 124.0m PLN (Cash only, last quarter)
P/E Trailing = 6.6667
P/S = 2.2142
P/B = 0.8282
Beta = 0.166
Revenue TTM = 333.0m PLN
EBIT TTM = 105.9m PLN
EBITDA TTM = 105.9m PLN
Long Term Debt = 687.3m PLN (from longTermDebt, last quarter)
Short Term Debt = 196.4m PLN (from shortLongTermDebt, last quarter)
Debt = 883.8m PLN (Calculated: Short Term 196.4m + Long Term 687.3m)
Net Debt = 759.8m PLN (from netDebt column, last quarter)
Enterprise Value = 1.49b PLN (729.1m + Debt 883.8m - CCE 124.0m)
Interest Coverage Ratio = 5.73 (Ebit TTM 105.9m / Interest Expense TTM 18.5m)
FCF Yield = -3.03% (FCF TTM -45.2m / Enterprise Value 1.49b)
FCF Margin = -13.56% (FCF TTM -45.2m / Revenue TTM 333.0m)
Net Margin = 26.24% (Net Income TTM 87.4m / Revenue TTM 333.0m)
Gross Margin = 42.12% ((Revenue TTM 333.0m - Cost of Revenue TTM 192.8m) / Revenue TTM)
Tobins Q-Ratio = 1.86 (Enterprise Value 1.49b / Book Value Of Equity 799.8m)
Interest Expense / Debt = 2.09% (Interest Expense 18.5m / Debt 883.8m)
Taxrate = -0.83% (set to none) (from yearly Tax Provision: -853.0k / 102.4m)
NOPAT = unknown (EBIT/Op.Income or Taxrate missing)
Current Ratio = 2.24 (Total Current Assets 643.4m / Total Current Liabilities 287.2m)
Debt / Equity = 0.99 (Debt 883.8m / last Quarter total Stockholder Equity 894.1m)
Debt / EBITDA = 8.35 (Net Debt 759.8m / EBITDA 105.9m)
Debt / FCF = -19.57 (Debt 883.8m / FCF TTM -45.2m)
Total Stockholder Equity = 863.2m (last 4 quarters mean)
RoA = 4.56% (Net Income 87.4m, Total Assets 1.92b )
RoE = 10.12% (Net Income TTM 87.4m / Total Stockholder Equity 863.2m)
RoCE = 6.83% (Ebit 105.9m / (Equity 863.2m + L.T.Debt 687.3m))
RoIC = 8.30% (Ebit 105.9m / (Assets 1.92b - Current Assets 643.4m))
WACC = unknown (E(729.1m)/V(1.61b) * Re(7.69%)) + (D(883.8m)/V(1.61b) * Rd(2.09%) * (1-Tc(none)))
Shares Correlation 5-Years: 61.60 | Cagr: 0.05%
Discount Rate = 7.69% (= CAPM, Blume Beta Adj.) -> floored to rf + ERP 8.05%
Fair Price DCF = unknown (Cash Flow -45.2m)
Revenue Correlation: 47.30 | Revenue CAGR: 15.86%
Rev Growth-of-Growth: -8.92
EPS Correlation: -15.88 | EPS CAGR: -45.86%
EPS Growth-of-Growth: 29.86