LM Pay SA

LM Pay SA has a market price of 40.8 PLN and a market cap of 25,881,357.6 PLN, with a price-to-book ratio of 0.66 and a price-to-earnings ratio of 365.5. The company's return on equity is 0.0018 and return on assets is 0.0005, indicating low profitability relative to its equity and asset base. The debt-to-equity ratio is 2.34, suggesting a high level of leverage, and the current ratio of 2.46 indicates moderate liquidity. The company's operating income is 7,002,050 PLN, with a net income of 70,810 PLN, reflecting a narrow profit margin. The operating cash flow is 4,608,140 PLN, and free cash flow is 367,640 PLN, indicating limited cash generation after capital expenditures. The company's return on equity and return on assets are below the industry median for consumer lending, suggesting underperformance in capital efficiency. LM Pay SA's revenue is concentrated in Poland, with no disclosed international operations. The company's services are primarily focused on healthcare and beauty clinics, with a significant portion of revenue derived from consumer loans for medical procedures. The company's exposure to the Polish healthcare market may limit diversification and increase vulnerability to local economic conditions. The company's revenue growth is not explicitly stated, but the last actual revenue was 3,861,000 PLN, indicating a potential decline from the reported 22,753,010 PLN. The company's net income is significantly lower than its operating income, suggesting high operating expenses or non-operating losses. The risk assessment indicates medium liquidity and low dilution risk, but the company has negative net cash after subtracting total debt, which could impact its financial flexibility. Recent financial filings show a last actual EPS of -0.85 PLN, indicating a loss per share, and the company's shares outstanding are 634,347 for both basic and diluted shares, suggesting no immediate dilution pressure. The company's financial health is further constrained by a high debt load, with long-term debt of 91,877,640 PLN and total liabilities of 102,652,190 PLN.