Sofia Commerce Pawn Brokerage AD
Sofia Commerce Pawn Brokerage AD operates in the consumer lending industry, providing pawn brokerage services and generating revenue primarily through interest income and fees on pawned items.
Business. Sofia Commerce Pawn Brokerage AD (SCOM.BB) is a consumer lending company headquartered in Bulgaria that operates within the Banking & Investment Services industry. The firm generates revenue primarily through fee-income models associated with its pawn brokerage and lending activities. Specific details regarding operating segments and geographic breakdowns are not disclosed. The company is listed under the ticker SCOM.BB.
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- Macro
- Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
- Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
- Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
- Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
- Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
- Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
- Macro & political
- ElectionSE Swedish Election2026-09-14 · SE
- ElectionUS U.S. Midterms2026-11-03 · US
- ElectionFR French Legislative2027-06-01 · FR
Pre-earnings brief
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Synthesis
Sofia Commerce Pawn Brokerage AD (SCOM.BB) is a consumer lending company headquartered in Bulgaria that operates within the Banking & Investment Services industry. The firm generates revenue primarily through fee-income models associated with its pawn brokerage and lending activities. Specific details regarding operating segments and geographic breakdowns are not disclosed. The company is listed under the ticker SCOM.BB.
Sofia Commerce Pawn Brokerage AD maintains a strong liquidity position, with a current ratio of 5.01, indicating the company can cover its short-term liabilities more than five times over. However, the company's liquidity risk is assessed as medium, primarily due to a negative net cash position after subtracting total debt. The company's debt-to-equity ratio is 0.14, suggesting a conservative capital structure with limited leverage.
In terms of profitability, the company's return on equity (ROE) is 7.54%, and its return on assets (ROA) is 4.89%. These figures are in line with the industry's preferred metrics, which emphasize asset efficiency and capital returns. The company's operating income of 1,469,000 BGN and net income of 1,266,000 BGN reflect a healthy margin, although the exact cohort median for comparison is not provided in the data.
The company's revenue is not segmented by product or geography in the available data, but its operations are concentrated in the consumer lending industry. As a pawn brokerage, it likely serves a local or regional customer base, though the exact geographic distribution is not disclosed.
The company's growth trajectory is not explicitly outlined in the data, but its recent revenue of 2,820,000 BGN and operating cash flow of 1,648,000 BGN suggest stable operations. The capital expenditure of -1,000 BGN indicates minimal investment in physical assets, which is typical for a pawn brokerage model.
The company's risk profile is characterized by a low dilution potential, with no significant dilution sources identified in the data. The risk assessment indicates that the company is not currently under pressure to issue new shares, and no dilution is expected in the near term. However, the negative net cash position after subtracting total debt raises some liquidity concerns.
Recent events or filings are not detailed in the available data, but the company's financial performance as of the latest reporting period shows consistent revenue and profit generation. The company's operating cash flow and free cash flow are both positive, indicating strong cash generation capabilities.
- Sofia Commerce Pawn Brokerage AD maintains a conservative capital structure with a low debt-to-equity ratio of 0.14.
- The company's liquidity position is strong, with a current ratio of 5.01, but its net cash position is negative after subtracting total debt.
- The company's ROE of 7.54% and ROA of 4.89% indicate solid profitability and asset efficiency.
- The company's operations are concentrated in the consumer lending industry, with no detailed geographic or product segmentation provided.
- The company's growth trajectory is not explicitly outlined, but its stable revenue and positive cash flows suggest consistent operations.
- The company's risk profile is low in terms of dilution, with no significant dilution sources identified.
Bull / Bear case
Generated · model-assistedDebt-to-equity ratio of 0.14 is well below the 1.22 peer median, suggesting low leverage risk.
Cash conversion of 1.3 vastly exceeds the 0.12 peer median, highlighting strong cash generation.
Revenue declined at a 4.6% CAGR over four years, indicating long-term top-line contraction.
Medium liquidity risk flags potential challenges in meeting short-term financial obligations.
In focus — financials by report
Revenue BGN 15.7M, +20,6% YoY; Operating income +33,9% YoY.
- ▍Revenue BGN 15.7M, +20,6% YoY
- ▍Operating income +33,9% YoY
- ▍Net income +34,5% YoY
- ▍Free cash flow +58,6% YoY
- ▍Net margin 48.7%
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- Net cash is negative after subtracting total debt.
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- Sofia Commerce Pawn Brokerage AD Market data — financials · 2026-05-29
- Sofia Commerce Pawn Brokerage AD Market data — analyst estimates · 2026-05-29