Y00.F
Y00.F operates in the consumer lending segment of the banking industry, providing financial services primarily through consumer finance products and generating revenue from interest income and fees.
Business. Y00.F operates in the consumer lending segment of the banking industry, providing financial services primarily through consumer finance products and generating revenue from interest income and fees.
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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
Signals & dispatch
Composite-score breakdown
Synthesis
Y00.F operates in the consumer lending segment of the banking industry, providing financial services primarily through consumer finance products and generating revenue from interest income and fees.
Y00.F maintains a debt-to-equity ratio of 2.34, indicating a capital structure that is significantly leveraged, with total liabilities of 102,652,190 PLN and total equity of 39,273,770 PLN. The company's liquidity position is characterized by a current ratio of 2.46, suggesting it has sufficient short-term assets to cover its short-term liabilities. However, the risk assessment highlights a medium liquidity risk, with net cash being negative after subtracting total debt.
In terms of profitability, Y00.F reports a return on equity (ROE) of 0.0018 and a return on assets (ROA) of 0.0005, both of which are extremely low and suggest minimal returns relative to its equity and asset base. These figures fall well below the typical performance metrics for the consumer lending industry, indicating a weak profitability position compared to its peers.
The company's revenue is concentrated in a single business segment, as disclosed in its financial statements, with no geographic diversification provided in the available data. This lack of diversification may expose the company to higher operational and market risks, particularly in the event of a downturn in the consumer lending market.
Y00.F's growth trajectory appears to be stagnant, with the most recent actual revenue reported at 3,861,000 PLN and a net income of only 70,810 PLN. The company's operating income of 7,002,050 PLN is also relatively low, suggesting limited capacity for expansion or investment in new initiatives. The outlook for the next fiscal year does not indicate any significant changes in this trend.
The risk assessment identifies a medium liquidity risk and a low dilution risk for Y00.F. The company's diluted shares outstanding remain unchanged at 634,347, indicating no recent dilution events. However, the negative net cash position after subtracting total debt raises concerns about the company's ability to meet its long-term obligations without additional financing.
Recent financial filings and transcripts do not provide additional insights into the company's strategic direction or operational performance. The most recent actual earnings per share (EPS) were reported at -0.85 PLN, reflecting a loss per share. This loss, combined with the low net income, suggests that the company is struggling to generate consistent profitability.
- Y00.F has a highly leveraged capital structure with a debt-to-equity ratio of 2.34, indicating significant reliance on debt financing.
- The company's profitability is weak, with a return on equity of 0.0018 and a return on assets of 0.0005, both of which are below industry norms.
- Y00.F's revenue is not diversified across segments or geographies, increasing its exposure to market-specific risks.
- The company's liquidity position is medium risk, with a current ratio of 2.46 but a negative net cash position after subtracting total debt.
- Y00.F's recent financial performance shows a loss per share of -0.85 PLN and minimal net income, indicating ongoing profitability challenges.
- The company has a low dilution risk, with no changes in diluted shares outstanding, but faces potential liquidity constraints.
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- Net cash is negative after subtracting total debt.
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- Dilution Ratio(shares_outstanding_diluted - shares_outstanding_basic) / shares_outstanding_basic
- Net Cashcash_and_equivalents + short_term_investments - short_term_debt - long_term_debt
- Return On Equitynet_income / total_equity
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- Cash Conversion Ratiooperating_cash_flow / net_income
- Return On Assetsnet_income / total_assets
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