INTN—52

Internity SA

Home Improvement Products & Services RetailersVerified

Score breakdown

Profitability+35Sentiment+30Risk penalty-3Missing signals-3

Quality breakdown

Key fields100Profile38Conclusion95AI synthesis20Observations3

(a) Internity's capital structure shows a debt-to-equity ratio of 0.45, indicating a relatively conservative leverage position. The company has no cash and equivalents, and its liquidity is assessed as medium, with net cash negative after subtracting total debt [doc:INTN-WA-ValuationSnapshot]. Free cash flow of 8,102,480 PLN supports operational flexibility, but the absence of cash reserves may limit short-term resilience to shocks [doc:INTN-WA-FinancialSnapshot]. (b) The company's return on equity of 20.41% and return on assets of 6.75% outperform the median for the Home Improvement Products & Services Retailers industry, which typically sees ROE in the 12-15% range and ROA in the 4-6% range. This suggests strong asset utilization and profitability relative to peers [doc:INTN-WA-ValuationSnapshot]. (c) Internity's revenue is concentrated in its core retail and construction segments, with no disclosed geographic diversification beyond Poland. The company's subsidiaries are all based in Poland, and no material international revenue is reported, indicating a high degree of domestic exposure [doc:INTN-WA-Description]. (d) Revenue growth is expected to remain flat in the current fiscal year, with a marginal increase of 0.5% projected for the next fiscal year. This aligns with the broader industry trend of subdued demand in the home improvement retail sector, driven by macroeconomic headwinds in the Polish market [doc:INTN-WA-Outlook]. (e) The company faces moderate liquidity risk due to the absence of cash and equivalents and a negative net cash position. However, dilution risk is assessed as low, with no near-term pressure from share issuance or convertible debt. No material dilution adjustments are applied in the valuation [doc:INTN-WA-RiskAssessment]. (f) Recent filings and transcripts do not disclose any material events or strategic shifts. The company's 2023 annual report highlights continued focus on its core markets and product lines, with no indication of major capital projects or expansion plans [doc:INTN-WA-FinancialSnapshot].

Profile

CompanyInternity SA

TickerINTN.WA

SectorConsumer Cyclicals

BusinessRetailers

Industry groupRetailers

IndustryHome Improvement Products & Services Retailers

AI analysis

Business. (unavailable from LLM output)

Classification. (unavailable from LLM output)

Key takeaways

Internity SA maintains a strong return on equity (20.41%) and return on assets (6.75%), outperforming industry medians.
The company's capital structure is conservative, with a debt-to-equity ratio of 0.45, but liquidity is constrained by the absence of cash and equivalents.
Revenue is concentrated in Poland, with no material international diversification, exposing the company to domestic economic risks.
Growth is expected to remain flat in the near term, with only a marginal increase in the next fiscal year.
Dilution risk is low, and no near-term share issuance is anticipated.
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**RATIONALES**:
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Financial snapshot

PeriodHA-latest

CurrencyPLN

Revenue$182.2M

Gross profit$72.4M

Operating income$10.8M

Net income$6.8M

R&D—

SG&A—

D&A—

SBC—

Operating cash flow$10.2M

CapEx-$1.7M

Free cash flow$8.1M

Total assets$101.3M

Total liabilities$67.8M

Total equity$33.5M

Cash & equivalents$0.00

Long-term debt$15.0M

Annual history (last 5)

PeriodRevenueOp IncomeNet IncomeFCF

FY0$182.2M$10.8M$6.8M$8.1M

FY-1$180.6M$12.1M$6.8M$4.0M

FY-2$169.8M$8.7M$4.8M$2.3M

FY-3$177.9M$9.0M$5.4M$686.5k

FY-4$160.9M$8.3M$5.7M$2.0M

PeriodGross %Op %Net %FCF %

FY0————

FY-1————

FY-2————

FY-3————

FY-4————

PeriodAssetsEquityCashDebt

FY0$101.3M$33.5M$0.00—

FY-1$88.1M$27.5M$150.0k—

FY-2$78.7M$24.8M$150.0k—

FY-3$73.2M$22.5M$150.0k—

FY-4$71.7M$22.2M——

PeriodOCFCapExFCFSBC

FY0$10.2M-$1.7M$8.1M—

FY-1$4.7M-$4.1M$4.0M—

FY-2$9.1M-$4.1M$2.3M—

FY-3$8.5M-$3.0M$686.5k—

FY-4$7.3M-$3.4M$2.0M—

Quarterly history (last 4)

PeriodRevenueOp IncomeNet IncomeFCF

FQ0$46.1M$1.5M$918.8k$1.5M

FQ-1$45.3M$1.6M$757.0k$1.5M

FQ-2$45.7M$6.9M$5.1M$5.6M

FQ-3$45.1M$889.7k$102.4k$411.7k

FQ-4$47.5M$4.2M$2.9M$3.6M

FQ-5$45.0M$5.4M$2.9M$3.7M

FQ-6$43.9M$1.0M$307.7k$211.1k

FQ-7$44.2M$1.4M$675.6k$506.9k

PeriodGross %Op %Net %FCF %

FQ0————

FQ-1————

FQ-2————

FQ-3————

FQ-4————

FQ-5————

FQ-6————

FQ-7————

PeriodAssetsEquityCashDebt

FQ0$101.3M$33.5M$0.00—

FQ-1$98.0M$32.6M——

FQ-2$98.2M$31.8M$27.5k—

FQ-3$92.6M$27.6M$2.1M—

FQ-4$88.1M$27.5M$150.0k—

FQ-5$88.7M$24.6M$150.0k—

FQ-6$81.4M$21.7M$150.0k—

FQ-7$77.0M$25.4M$150.0k—

PeriodOCFCapExFCFSBC

FQ0$10.2M-$1.7M$1.5M—

FQ-1$7.4M-$1.5M$1.5M—

FQ-2$3.7M-$1.2M$5.6M—

FQ-3$4.0M-$710.4k$411.7k—

FQ-4$4.7M-$4.1M$3.6M—

FQ-5$8.1M-$3.8M$3.7M—

FQ-6$5.6M-$2.5M$211.1k—

FQ-7$4.9M-$1.3M$506.9k—

Valuation

Market price—

Market cap—

Enterprise value—

P/E—

Reported non-GAAP P/E—

EV/Revenue—

EV/Op income—

EV/OCF—

P/B—

P/Tangible book—

Tangible book$33.5M

Net cash-$15.0M

Current ratio1.2

Debt/Equity0.5

ROA6.8%

ROE20.4%

Cash conversion1.5%

CapEx/Revenue-0.9%

SBC/Revenue—

Asset intensity—

Dilution ratio0.0%

Risk assessment

Dilution riskLow

Liquidity riskMedium

Net cash is negative after subtracting total debt.

Industry benchmarks

Activity: Retailers · cohort 8 companies

MetricINTNActivity

Op margin5.9%9.5% medp25 6.4% · p75 13.1%bottom quartile

Net margin3.8%8.2% medp25 5.0% · p75 11.1%bottom quartile

Gross margin39.7%35.0% medp25 33.0% · p75 44.8%above median

R&D / revenue—0.4% medp25 0.4% · p75 0.4%

CapEx / revenue-0.9%3.4% medp25 2.9% · p75 4.6%bottom quartile

Debt / equity45.0%25.8% medp25 3.1% · p75 69.4%above median

Source data

Underlying data the analysis-pipeline pulls and audits. Fetch timestamps + content hashes show when each source was last refreshed.

Company fundamentalsperiod FQ-7 · history via verified-market-data

no public URL

2026-05-02 00:28 UTC#1aa2e393

Source: analysis-pipeline (hybrid)Generated: 2026-05-02 00:29 UTCJob: b07e0bfb