(IFI) IFirma - Ratings and Ratios
Accounting Software, Invoice Services, Internet Services
IFI EPS (Earnings per Share)
IFI Revenue
Description: IFI IFirma
IFirma SA is a Polish company that provides internet services, specifically online accounting management through its website ifirma.pl, which offers invoice software services. The company was founded in 1997 and is based in Wroclaw, Poland. With a history dating back to its initial registration, IFirma SA has evolved over the years, changing its name from Power Media S.A. to its current name in June 2017.
As a player in the IT Consulting & Other Services sub-industry, IFirma SA has demonstrated strong financial performance, with a Return on Equity (RoE) of 73.94%, indicating a high level of profitability. The companys market capitalization stands at 166.40M PLN, suggesting a significant presence in the Polish market. With a Price-to-Earnings (P/E) ratio of 15.76, IFirma SAs stock appears to be reasonably valued.
To further evaluate IFirma SAs performance, additional KPIs can be considered. For instance, its revenue growth rate, gross margin, and operating margin can provide insights into the companys ability to generate profits and maintain a competitive edge. Furthermore, metrics such as customer acquisition cost, customer retention rate, and user engagement on its platform can help assess the companys ability to expand its customer base and increase revenue. A review of these KPIs can help investors and analysts better understand IFirma SAs strengths and weaknesses.
Given its strong financial performance and presence in the Polish market, IFirma SA may be an attractive investment opportunity for those looking to tap into the countrys growing IT sector. However, a more detailed analysis of the companys financials, management team, and competitive landscape is necessary to make an informed investment decision.
IFI Stock Overview
| Market Cap in USD | 49m |
| Sub-Industry | IT Consulting & Other Services |
| IPO / Inception |
IFI Stock Ratings
| Growth Rating | 92.3% |
| Fundamental | 88.1% |
| Dividend Rating | 83.9% |
| Return 12m vs S&P 500 | 24.3% |
| Analyst Rating | - |
IFI Dividends
| Dividend Yield 12m | 5.09% |
| Yield on Cost 5y | 41.54% |
| Annual Growth 5y | 45.13% |
| Payout Consistency | 87.8% |
| Payout Ratio | 103.0% |
IFI Growth Ratios
| Growth Correlation 3m | 88.2% |
| Growth Correlation 12m | 89.6% |
| Growth Correlation 5y | 80.7% |
| CAGR 5y | 57.39% |
| CAGR/Max DD 5y | 1.06 |
| Sharpe Ratio 12m | -0.12 |
| Alpha | 43.74 |
| Beta | -0.301 |
| Volatility | 40.32% |
| Current Volume | 1.8k |
| Average Volume 20d | 4.1k |
| Stop Loss | 30.6 (-4.4%) |
| Signal | 0.48 |
Piotroski VR‑10 (Strict, 0-10) 7.0
| Net Income (10.6m TTM) > 0 and > 6% of Revenue (6% = 3.62m TTM) |
| FCFTA 0.37 (>2.0%) and ΔFCFTA 9.20pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 4.25% (prev 2.34%; Δ 1.91pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.39 (>3.0%) and CFO 10.4m <= Net Income 10.6m (YES >=105%, WARN >=100%) |
| Net Debt (6.29m) to EBITDA (10.6m) ratio: 0.59 <= 3.0 (WARN <= 3.5) |
| Current Ratio 1.24 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (6.40m) change vs 12m ago 0.0% (target <= -2.0% for YES) |
| Gross Margin 36.81% (prev 36.23%; Δ 0.58pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 241.1% (prev 230.4%; Δ 10.78pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 505.1 (EBITDA TTM 10.6m / Interest Expense TTM 21.0k) >= 6 (WARN >= 3) |
Altman Z'' 4.55
| (A) 0.10 = (Total Current Assets 13.2m - Total Current Liabilities 10.6m) / Total Assets 27.0m |
| (B) 0.18 = Retained Earnings (Balance) 4.93m / Total Assets 27.0m |
| (C) 0.42 = EBIT TTM 10.6m / Avg Total Assets 25.1m |
| (D) 0.46 = Book Value of Equity 4.93m / Total Liabilities 10.8m |
| Total Rating: 4.55 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 88.13
| 1. Piotroski 7.0pt = 2.0 |
| 2. FCF Yield 5.40% = 2.70 |
| 3. FCF Margin 16.58% = 4.15 |
| 4. Debt/Equity 0.67 = 2.28 |
| 5. Debt/Ebitda 1.02 = 1.74 |
| 6. ROIC - WACC 54.62% = 12.50 |
| 7. RoE 73.94% = 2.50 |
| 8. Rev. Trend 91.86% = 4.59 |
| 9. Rev. CAGR 15.96% = 1.99 |
| 10. EPS Trend 46.88% = 1.17 |
| 11. EPS CAGR 42.42% = 2.50 |
What is the price of IFI shares?
Over the past week, the price has changed by +7.38%, over one month by +13.68%, over three months by +24.06% and over the past year by +45.33%.
Is IFirma a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of IFI is around 44.98 PLN . This means that IFI is currently undervalued and has a potential upside of +40.56% (Margin of Safety).
Is IFI a buy, sell or hold?
What are the forecasts/targets for the IFI price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 29.7 | -7.2% |
| Analysts Target Price | - | - |
| ValueRay Target Price | 48.4 | 51.3% |
IFI Fundamental Data Overview
Market Cap PLN = 179.2m (179.2m PLN * 1.0 PLN.PLN)
CCE Cash And Equivalents = 4.52m PLN (Cash only, last quarter)
P/E Trailing = 16.9697
P/S = 2.8798
P/B = 11.0925
Beta = 0.171
Revenue TTM = 60.4m PLN
EBIT TTM = 10.6m PLN
EBITDA TTM = 10.6m PLN
Long Term Debt = 170.0k PLN (from nonCurrentLiabilitiesTotal, last quarter)
Short Term Debt = 10.6m PLN (from totalCurrentLiabilities, last quarter)
Debt = 10.8m PLN (Calculated: Short Term 10.6m + Long Term 170.0k)
Net Debt = 6.29m PLN (calculated as Total Debt 10.8m - CCE 4.52m)
Enterprise Value = 185.5m PLN (179.2m + Debt 10.8m - CCE 4.52m)
Interest Coverage Ratio = 505.1 (Ebit TTM 10.6m / Interest Expense TTM 21.0k)
FCF Yield = 5.40% (FCF TTM 10.0m / Enterprise Value 185.5m)
FCF Margin = 16.58% (FCF TTM 10.0m / Revenue TTM 60.4m)
Net Margin = 17.53% (Net Income TTM 10.6m / Revenue TTM 60.4m)
Gross Margin = 36.81% ((Revenue TTM 60.4m - Cost of Revenue TTM 38.2m) / Revenue TTM)
Tobins Q-Ratio = 37.61 (Enterprise Value 185.5m / Book Value Of Equity 4.93m)
Interest Expense / Debt = 0.19% (Interest Expense 21.0k / Debt 10.8m)
Taxrate = 20.01% (from yearly Tax Provision: 2.10m / 10.5m)
NOPAT = 8.49m (EBIT 10.6m * (1 - 20.01%))
Current Ratio = 1.24 (Total Current Assets 13.2m / Total Current Liabilities 10.6m)
Debt / Equity = 0.67 (Debt 10.8m / last Quarter total Stockholder Equity 16.2m)
Debt / EBITDA = 1.02 (Net Debt 6.29m / EBITDA 10.6m)
Debt / FCF = 1.08 (Debt 10.8m / FCF TTM 10.0m)
Total Stockholder Equity = 14.3m (last 4 quarters mean)
RoA = 39.26% (Net Income 10.6m, Total Assets 27.0m )
RoE = 73.94% (Net Income TTM 10.6m / Total Stockholder Equity 14.3m)
RoCE = 73.21% (Ebit 10.6m / (Equity 14.3m + L.T.Debt 170.0k))
RoIC = 59.26% (NOPAT 8.49m / Invested Capital 14.3m)
WACC = 4.64% (E(179.2m)/V(190.0m) * Re(4.91%)) + (D(10.8m)/V(190.0m) * Rd(0.19%) * (1-Tc(0.20)))
Discount Rate = 4.91% (= CAPM, Blume Beta Adj.) -> floored to rf + ERP 8.05%
[DCF Debug] Terminal Value 78.25% ; FCFE base≈8.60m ; Y1≈8.57m ; Y5≈9.04m
Fair Price DCF = 25.01 (DCF Value 160.1m / Shares Outstanding 6.40m; 5y FCF grow -0.92% → 3.0% )
Revenue Correlation: 91.86 | Revenue CAGR: 15.96%
Rev Growth-of-Growth: -4.91
EPS Correlation: 46.88 | EPS CAGR: 42.42%
EPS Growth-of-Growth: 34.57