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Open Finance

WSE:OPF
Snowflake Description

Overvalued with weak fundamentals.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
OPF
WSE
PLN11M
Market Cap
  1. Home
  2. PL
  3. Diversified Financials
Company description

Open Finance S.A. operates as a financial intermediary company in Poland. The last earnings update was 25 days ago. More info.


Add to Portfolio Compare Print
  • Open Finance has significant price volatility in the past 3 months.
OPF Share Price and Events
7 Day Returns
-5.3%
WSE:OPF
0.9%
PL Capital Markets
0.6%
PL Market
1 Year Returns
-42.3%
WSE:OPF
-1.6%
PL Capital Markets
-7.3%
PL Market
OPF Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
Open Finance (OPF) -5.3% -13% -18.9% -42.3% -90.6% -93.9%
PL Capital Markets 0.9% 4.5% 1.4% -1.6% -23.5% -33.2%
PL Market 0.6% -4.2% -2.9% -7.3% -1.7% -10.7%
1 Year Return vs Industry and Market
  • OPF underperformed the Capital Markets industry which returned -1.6% over the past year.
  • OPF underperformed the Market in Poland which returned -7.3% over the past year.
Price Volatility
OPF
Industry
5yr Volatility vs Market

OPF Value

 Is Open Finance undervalued based on future cash flows and its price relative to the stock market?

Value is all about what a company is worth versus what price it is available for. If you went into a grocery store and all the bananas were on sale at half price, they could be considered undervalued.
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
  • It is not possible to calculate the future cash flow value for Open Finance. This is due to cash flow or dividend data being unavailable. The share price is PLN0.9.
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing when they are out of season, or how much your home is worth.

The amount the stock market is willing to pay for Open Finance's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are Open Finance's earnings available for a low price, and how does this compare to other companies in the same industry?
Raw Data
WSE:OPF PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2019-09-30) in PLN PLN-13.03
WSE:OPF Share Price ** WSE (2019-12-13) in PLN PLN0.9
Poland Capital Markets Industry PE Ratio Median Figure of 17 Publicly-Listed Capital Markets Companies 16.96x
Poland Market PE Ratio Median Figure of 413 Publicly-Listed Companies 10.97x

* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.

** Primary Listing of Open Finance.

WSE:OPF PE (Price to Earnings) Ratio Calculation
Calculation Outcome
PE Ratio

= WSE:OPF Share Price ÷ EPS (both in PLN)

= 0.9 ÷ -13.03

-0.07x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Open Finance is loss making, we can't compare its value to the PL Capital Markets industry average.
  • Open Finance is loss making, we can't compare the value of its earnings to the Poland market.
Price based on expected Growth
Does Open Finance's expected growth come at a high price?
Raw Data
WSE:OPF PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section -0.07x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 0 Analysts
Not available
Europe Capital Markets Industry PEG Ratio Median Figure of 57 Publicly-Listed Capital Markets Companies 1.59x
Poland Market PEG Ratio Median Figure of 105 Publicly-Listed Companies 0.91x

*Line of best fit is calculated by linear regression .

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unable to calculate PEG ratio for Open Finance, we can't assess if its growth is good value.
Price based on value of assets
What value do investors place on Open Finance's assets?
Raw Data
WSE:OPF PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2019-09-30) in PLN PLN17.20
WSE:OPF Share Price * WSE (2019-12-13) in PLN PLN0.9
Poland Capital Markets Industry PB Ratio Median Figure of 35 Publicly-Listed Capital Markets Companies 1.07x
Poland Market PB Ratio Median Figure of 638 Publicly-Listed Companies 1x
WSE:OPF PB (Price to Book) Ratio Calculation
Calculation Outcome
PB Ratio

= WSE:OPF Share Price ÷ Book Value per Share (both in PLN)

= 0.9 ÷ 17.20

0.05x

* Primary Listing of Open Finance.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Open Finance is good value based on assets compared to the PL Capital Markets industry average.
X
Value checks
We assess Open Finance's value by looking at:
  1. Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
  2. Is the PE ratio less than the market average, and/ or less than the Capital Markets industry average (and greater than 0)? (2 checks)
  3. Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
  4. Is the PB ratio less than the Capital Markets industry average (and greater than 0)? (1 check)
  5. Open Finance has a total score of 1/6, see the detailed checks below.

    Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.

    Full details on the Value part of the Simply Wall St company analysis model.

OPF Future Performance

 How is Open Finance expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Open Finance has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by Simply Wall St do have past financial data. You can see them here.

Show me the analysis anyway

The future performance of a company is measured in the same way as past performance, by looking at estimated growth and how much profit it is expected to make.

Future estimates come from professional analysts. Just like forecasting the weather, they don’t always get it right!
Annual Growth Rate
16.3%
Expected Capital Markets industry annual growth in earnings.
Earnings growth vs Low Risk Savings
Is Open Finance expected to grow at an attractive rate?
  • Unable to compare Open Finance's earnings growth to the low risk savings rate as no estimate data is available.
Growth vs Market Checks
  • Unable to compare Open Finance's earnings growth to the Poland market average as no estimate data is available.
  • Unable to compare Open Finance's revenue growth to the Poland market average as no estimate data is available.
Annual Growth Rates Comparison
Raw Data
WSE:OPF Future Growth Rates Data Sources
Data Point Source Value (per year)
Europe Capital Markets Industry Earnings Growth Rate Market Cap Weighted Average 16.3%
Europe Capital Markets Industry Revenue Growth Rate Market Cap Weighted Average 4.1%
Poland Market Earnings Growth Rate Market Cap Weighted Average 10.9%
Poland Market Revenue Growth Rate Market Cap Weighted Average 5.7%

*Line of best fit is calculated by linear regression .

Industry and Market average data is calculated daily.

Learn more about our growth rate calculations in Simply Wall St’s analysis model.

Analysts growth expectations
Raw Data
WSE:OPF Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (2 months ago) See Below
Future Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below
All numbers in PLN Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
WSE:OPF Future Estimates Data
Date (Data in PLN Millions) Revenue Cash Flow Net Income * Avg. No. Analysts
WSE:OPF Past Financials Data
Date (Data in PLN Millions) Revenue Cash Flow Net Income *
2019-09-30 348 -3 -161
2019-06-30 356 9 -156
2019-03-31 364 27 -147
2018-12-31 376 22 -139
2018-09-30 373 20 -6
2018-06-30 364 14 -5
2018-03-31 358 7 -18
2017-12-31 352 11 -18
2017-09-30 318 13 3
2017-06-30 323 22 -3
2017-03-31 333 32 -11
2016-12-31 318 34 -37

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • Unable to determine if Open Finance is high growth as no earnings estimate data is available.
  • Unable to determine if Open Finance is high growth as no revenue estimate data is available.
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can be gauged below. We look back 3 years and see if they were any good at predicting what actually occurred. We also show the highest and lowest estimates looking forward to see if there is a wide range.
Raw Data
WSE:OPF Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (2 months ago) See Below
Future Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below

All data from Open Finance Company Filings, last reported 2 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

WSE:OPF Future Estimates Data
Date (Data in PLN Millions) EPS * EPS High Estimate EPS Low Estimate Avg. No. Analysts
WSE:OPF Past Financials Data
Date (Data in PLN Millions) EPS *
2019-09-30 -13.03
2019-06-30 -12.58
2019-03-31 -11.86
2018-12-31 -11.18
2018-09-30 -0.50
2018-06-30 -0.37
2018-03-31 -1.52
2017-12-31 -1.69
2017-09-30 0.26
2017-06-30 -0.34
2017-03-31 -1.23
2016-12-31 -4.11

*GAAP earnings excluding extraordinary items.

Performance in 3 years
In the same way as past performance we look at the future estimated return (profit) compared to the available funds. We do this looking forward 3 years.
  • Unable to establish if Open Finance will efficiently use shareholders’ funds in the future without estimates of Return on Equity.

Next steps:

  1. Open Finance's future outlook can be gauged by looking at industry trends and market size, and determining how well-positioned the company is compared to its competitors. Take a look at other high-growth Diversified Financials companies here
  2. Open Finance's competitive advantages and company strategy can generally be found in its financial reports archived here.
  3. Use fundamentals to screen for another stock to analyse from our database of over 75,000 companies worldwide
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Future performance checks
We assess Open Finance's future performance by looking at:
  1. Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
  2. Is the annual earnings growth rate expected to beat the average growth rate in earnings of the Europe market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the Europe market? (1 check)
  4. Is the annual earnings growth rate expected to be above 20%? (1 check)
  5. Is the annual revenue growth rate expected to be above 20%? (1 check)
  6. Is the Return on Equity in 3 years expected to be over 20%? (1 check)
Some of the above checks will fail if the company is expected to be loss making in the relevant year.
Open Finance has a total score of 0/6, see the detailed checks below.

Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.

Full details on the Future part of the Simply Wall St company analysis model.

OPF Past Performance

  How has Open Finance performed over the past 5 years?

The past performance of a company can be measured by how much growth it has experienced and how much profit it makes relative to the funds and assets it has available.
Past earnings growth
Below we compare Open Finance's growth in the last year to its industry (Capital Markets).
Past Earnings growth analysis
We also check if the company has grown in the past 5 years, and whether it has maintained that growth in the year.
  • Open Finance does not make a profit and their year on year earnings growth rate was negative over the past 5 years.
  • Unable to compare Open Finance's 1-year earnings growth to the 5-year average as it is not currently profitable.
  • Unable to compare Open Finance's 1-year growth to the PL Capital Markets industry average as it is not currently profitable.
Earnings and Revenue History
Open Finance's revenue and profit over the past 5 years is shown below, any years where they have experienced a loss will show up in red.
Raw Data

All data from Open Finance Company Filings, last reported 2 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

WSE:OPF Past Revenue, Cash Flow and Net Income Data
Date (Data in PLN Millions) Revenue Net Income * G+A Expenses R&D Expenses
2019-09-30 347.68 -161.49 2.75
2019-06-30 356.29 -155.95 3.32
2019-03-31 363.85 -146.94 4.09
2018-12-31 375.52 -138.56 4.63
2018-09-30 372.71 -6.25 4.62
2018-06-30 363.57 -4.64 5.10
2018-03-31 358.03 -17.55 6.01
2017-12-31 351.66 -18.17 6.38
2017-09-30 317.76 2.53 11.54
2017-06-30 322.91 -2.95 9.80
2017-03-31 333.29 -11.14 6.08
2016-12-31 317.83 -37.24 5.75
2016-09-30 317.12 -50.06 1.31
2016-06-30 319.05 -38.50 3.31
2016-03-31 311.76 -12.91 6.77
2015-12-31 324.14 16.33 6.71
2015-09-30 357.52 38.16 6.74
2015-06-30 340.12 31.74 7.66
2015-03-31 340.63 29.85 5.64
2014-12-31 339.84 25.28 9.54
2014-09-30 362.34 21.34 10.58
2014-06-30 399.76 35.99 13.99
2014-03-31 421.82 46.01 15.32
2013-12-31 440.27 56.19 14.04
2013-09-30 417.27 91.75 -8.89
2013-06-30 421.16 95.64 -6.57
2013-03-31 422.34 105.01 2.79
2012-12-31 450.71 123.22 10.12

*GAAP earnings excluding extraordinary items.

Performance last year
We want to ensure a company is making the most of what it has available. This is done by comparing the return (profit) to a company's available funds, assets and capital.
  • It is difficult to establish if Open Finance has efficiently used shareholders’ funds last year (Return on Equity greater than 20%) as it is loss-making.
  • It is difficult to establish if Open Finance has efficiently used its assets last year compared to the PL Capital Markets industry average (Return on Assets) as it is loss-making.
  • It is difficult to establish if Open Finance improved its use of capital last year versus 3 years ago (Return on Capital Employed) as it is currently loss-making.
X
Past performance checks
We assess Open Finance's performance over the past 5 years by checking for:
  1. Has earnings increased in past 5 years? (1 check)
  2. Has the earnings growth in the last year exceeded that of the Capital Markets industry? (1 check)
  3. Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
  4. Is the Return on Equity (ROE) higher than 20%? (1 check)
  5. Is the Return on Assets (ROA) above industry average? (1 check)
  6. Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent earnings report. Some checks require at least 3 or 5 years worth of data.
Open Finance has a total score of 0/6, see the detailed checks below.

Note: We use GAAP Net Income excluding extraordinary items in all our calculations.

Full details on the Past part of the Simply Wall St company analysis model.

OPF Health

 How is Open Finance's financial health and their level of debt?

A company's financial position is much like your own financial position, it includes everything you own (assets) and owe (liabilities).

The boxes below represent the relative size of what makes up Open Finance's finances.

The net worth of a company is the difference between its assets and liabilities.
Net Worth
  • Open Finance's short term (1 year) commitments are greater than its holdings of cash and other short term assets.
  • Open Finance's long term commitments exceed its cash and other short term assets.
Balance sheet
This treemap shows a more detailed breakdown of Open Finance's finances. If any of them are yellow this indicates they may be out of proportion and red means they relate to one of the checks below.
Assets
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
  • Low level of unsold assets.
  • Debt is not covered by short term assets, assets are 0.3x debt.
Historical Debt
Nearly all companies have debt. Debt in itself isn’t bad, however if the debt is too high, or the company can’t afford to pay the interest on its debts this may have impacts in the future.

The graphic below shows equity (available funds) and debt, we ideally want to see the red area (debt) decreasing.

If there is any debt we look at the companies capability to repay it, and whether the level has increased over the past 5 years.
Raw Data

All data from Open Finance Company Filings, last reported 2 months ago.

WSE:OPF Past Debt and Equity Data
Date (Data in PLN Millions) Total Equity Total Debt Cash & Short Term Investments
2019-09-30 213.16 152.40 8.81
2019-06-30 218.37 141.86 9.88
2019-03-31 224.17 135.83 2.99
2018-12-31 228.24 112.42 5.19
2018-09-30 374.80 112.30 4.09
2018-06-30 374.77 113.76 9.50
2018-03-31 373.23 115.14 7.59
2017-12-31 369.21 118.98 23.69
2017-09-30 383.33 120.38 24.81
2017-06-30 381.45 121.83 9.58
2017-03-31 368.13 122.70 1.71
2016-12-31 387.62 126.00 0.41
2016-09-30 368.84 139.41 28.64
2016-06-30 353.99 139.80 18.28
2016-03-31 397.03 139.06 11.82
2015-12-31 397.47 142.63 22.40
2015-09-30 390.91 147.17 23.89
2015-06-30 386.14 148.24 19.12
2015-03-31 460.74 153.75 17.31
2014-12-31 376.13 155.91 17.12
2014-09-30 443.88 120.97 15.12
2014-06-30 435.01 125.16 12.99
2014-03-31 426.84 119.02 10.54
2013-12-31 420.09 122.11 15.82
2013-09-30 407.10 120.17 15.58
2013-06-30 390.58 121.62 24.25
2013-03-31 374.26 119.82 16.70
2012-12-31 362.13 78.74 14.13
  • Open Finance's level of debt (71.2%) compared to net worth is high (greater than 40%).
  • The level of debt compared to net worth has increased over the past 5 years (28.3% vs 71.2% today).
CASH RUNWAY ANALYSIS

For companies that have on average been loss making in the past we assess whether they have at least 1 year of cash runway.

  • Open Finance has less than a year of cash runway based on current free cash flow.
  • Open Finance has less than a year of cash runway if free cash flow continues to grow at historical rates of 72.7% each year.
X
Financial health checks
We assess Open Finance's financial health by checking for:
  1. Are short term assets greater than short term liabilities? (1 check)
  2. Are short term assets greater than long term liabilities? (1 check)
  3. Has the debt to equity ratio increased in the past 5 years? (1 check)
  4. Is the debt to equity ratio over 40%? (1 check)
  5. Is the debt covered by operating cash flow? (1 check)
  6. Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check)
  7. Open Finance has a total score of 0/6, see the detailed checks below.
For companies that are loss making and have been so on average in the past we replace the last 2 checks with:
  1. Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
  2. Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)


Full details on the Health part of the Simply Wall St company analysis model.

OPF Dividends

 What is Open Finance's current dividend yield, its reliability and sustainability?

Dividends are regular cash payments to you from the company, similar to a bank paying you interest on a savings account.
Annual Dividend Income
Dividend payments
0%
Current annual income from Open Finance dividends.
If you bought PLN2,000 of Open Finance shares you are expected to receive PLN0 in your first year as a dividend.
Dividend Amount
Here we look how much dividend is being paid, if any. Is it above what you can get in a savings account? It is up there with the best dividend paying companies?
  • Unable to evaluate Open Finance's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.
  • Unable to evaluate Open Finance's dividend against the top 25% market benchmark as the company has not reported any payouts.
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not wildly increasing/decreasing each year. This graph shows you the historical rate to count toward your assessment of the stock.

We also check to see if the dividend has increased in the past 10 years.
Raw Data
WSE:OPF Annualized Past and Future Dividends
Data Point Source Value
Past Annualized Dividend Yield S&P Global Market Data See Below
Past Dividends per Share Company Filings/ Annualized Dividend Payments See Below
Future Dividends per Share Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below
Europe Capital Markets Industry Average Dividend Yield Market Cap Weighted Average of 109 Stocks 3.3%
Poland Market Average Dividend Yield Market Cap Weighted Average of 199 Stocks 4.5%
Poland Minimum Threshold Dividend Yield 10th Percentile 1.4%
Poland Bottom 25% Dividend Yield 25th Percentile 2.6%
Poland Top 25% Dividend Yield 75th Percentile 7.2%

Industry and Market average data is calculated daily.

Note all dividend per share amounts are annualized and not quarterly or other period.

WSE:OPF Future Dividends Estimate Data
Date (Data in PLN) Dividend per Share (annual) Avg. No. Analysts
WSE:OPF Past Annualized Dividends Data
Date (Data in PLN) Dividend per share (annual) Avg. Yield (%)
2012-11-13 1.620 1.870
2012-08-09 1.620 1.695
2012-04-03 1.620 1.806
2012-02-29 1.620 1.809
2011-11-17 0.000 0.000
2011-08-30 0.000 0.000
2011-08-23 0.000 0.000

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unable to perform a dividend volatility check as Open Finance has not reported any payouts.
  • Unable to verify if Open Finance's dividend has been increasing as the company has not reported any payouts.
Current Payout to shareholders
What portion of Open Finance's earnings are paid to the shareholders as a dividend.
  • Unable to calculate sustainability of dividends as Open Finance has not reported any payouts.
Future Payout to shareholders
  • Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.
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Income/ dividend checks
We assess Open Finance's dividend by checking for:
  1. Firstly is the company paying a notable dividend (greater than 1.4%) - if not then the rest of the checks are ignored.
  2. Is current dividend yield above the bottom 25% of dividend payers? (1 check)
  3. Is current dividend yield above the top 25% of dividend payers? (1 check)
  4. Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
  5. If they have paid a dividend for 10 years has it increased in this time? (1 check)
  6. How sustainable is the dividend, can Open Finance afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
  7. Open Finance has a total score of 0/6, see the detailed checks below.


Full details on the Dividends part of the Simply Wall St company analysis model.

OPF Management

 What is the CEO of Open Finance's salary, the management and board of directors tenure and is there insider trading?

Management is one of the most important areas of a company. We look at unreasonable CEO compensation, how long the team and board of directors have been around for and insider trading.
CEO
Joanna Tomicka-Zawora
CEO Bio

Ms. Joanna Tomicka-Zawora serves as General Manager of Open Finance S.A. She serves as President of the Management Board at Open Finance S.A since November 2019, Previously, She served as President of the Management Board at Open Finance S.A until 2019. She served as the Vice President of the Management Board at Credit Agricole Bank Polska Spólka Akcyjna (a/k/a LUKAS Bank SA) since July 6, 2009 until April 20, 2017. Ms. Tomicka-Zawora has been working in banking for 12 years. Over this period, she has gained experience mainly in retail banking. In the past 4 years, she was the Managing Director in Millennium Bank. She was also a member of the Supervisory Board of the Credit Office, Steering Committee of Visa International, Creative Managers Forum and the Banking Cards Issuers Council (Rada Wydawców Kart Bankowych). Ms. Tomicka-Zawora is a graduate of English Studies at University of Maria Curie-Sklodowska in Lublin and of Cheltenham College in the UK. She also graduated from numerous prestigious courses and seminars in the fields of banking, finance and management.

CEO Compensation
  • Insufficient data for Joanna to compare compensation growth.
  • Insufficient data for Joanna to establish whether their remuneration is reasonable compared to companies of similar size in Poland.
Management Team

Joanna Tomicka-Zawora

TITLE
GM & President of the Management Board

Marek Zuberek

TITLE
Vice President of the Management Board

Marek Chomicki

TITLE
Chief Accountant
Board of Directors

Jacek Lisik

TITLE
Chairman of the Supervisory Board
AGE
57

Leszek Czarnecki

TITLE
Vice Chairman of the Supervisory Board
AGE
55

Stanislaw Wlazlo

TITLE
Member of Supervisory Board

Maciej Kleczkiewicz

TITLE
Member of the Supervisory Board

Piotr Liszcz

TITLE
Member of the Supervisory Board
TENURE
0.9 yrs
Who owns this company?
Recent Insider Trading
  • No 3 month open market individual insider trading information.
Recent Insider Transactions
Announced Type Name Entity Role Start End Shares Max Price (PLN) Value (PLN)
X
Management checks
We assess Open Finance's management by checking for:
  1. Is the CEO's compensation unreasonable compared to market cap? (1 check)
  2. Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
  3. Is the average tenure of the management team less than 2 years? (1 check)
  4. Is the average tenure of the board of directors team less than 3 years? (1 check)
  5. Open Finance has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.


Note: We use the top 6 management executives and board members in our calculations.

Note 2: Insider trading include any internal stakeholders and these transactions .

Full details on the Management part of the Simply Wall St company analysis model.

OPF News

Simply Wall St News

Some Open Finance (WSE:OPF) Shareholders Have Copped A 97% Share Price Wipe Out

And we doubt long term believers are the only worried holders, since the stock price has declined 53% over the last twelve months. … See our latest analysis for Open Finance Open Finance isn't a profitable company, so it is unlikely we'll see a strong correlation between its share price and its earnings per share (EPS). … Generally speaking long term share price weakness can be a bad sign, though contrarian investors might want to research the stock in hope of a turnaround.

Simply Wall St -

Does Open Finance S.A. (WSE:OPF) Have A High Beta?

Some investors use beta as a measure of how much a certain stock is impacted by market risk (volatility). … A stock with a beta below one is either less volatile than the market, or more volatile but not corellated with the overall market. … What this means for you: Since Open Finance tends to moves up when the market is going up, and down when it's going down, potential investors may wish to reflect on the overall market, when considering the stock.

Simply Wall St -

Is Open Finance (WSE:OPF) Using Too Much Debt?

Check out our latest analysis for Open Finance What Is Open Finance's Net Debt? … Since Open Finance does have net debt, we think it is worthwhile for shareholders to keep an eye on the balance sheet, over time. … Our View To be frank both Open Finance's EBIT growth rate and its track record of staying on top of its total liabilities make us rather uncomfortable with its debt levels.

Simply Wall St -

What Kind Of Investor Owns Most Of Open Finance S.A. (WSE:OPF)?

See our latest analysis for Open Finance WSE:OPF Ownership Summary, May 15th 2019 What Does The Institutional Ownership Tell Us About Open Finance? … We can see that Open Finance does have institutional investors; and they hold 22% of the stock. … Insider Ownership Of Open Finance The definition of an insider can differ slightly between different countries, but members of the board of directors always count.

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What Kind Of Share Price Volatility Should You Expect For Open Finance S.A. (WSE:OPF)?

(WSE:OPF), then you might want to consider its beta (a measure of share price volatility) in order to understand how the stock could impact your portfolio. … Some investors use beta as a measure of how much a certain stock is impacted by market risk (volatility). … While we should keep in mind that Warren Buffett has cautioned that 'Volatility is far from synonymous with risk', beta is still a useful factor to consider.

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Do Institutions Own Open Finance S.A. (WSE:OPF) Shares?

Insiders often own a large chunk of younger, smaller, companies while huge companies tend to have institutions as shareholders. … Open Finance is not a large company by global standards. … institutional investors have bought into the company

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What Kind Of Shareholder Owns Most Open Finance SA (WSE:OPF) Stock?

A look at the shareholders of Open Finance SA (WSE:OPF) can tell us which group is most powerful. … Open Finance is a smaller company with a market capitalization of zł33m, so it may still be flying under the radar of many institutional investors. … institutional investors have bought into the company.

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Open Finance SA's (WSE:OPF) Earnings Dropped -57.54%, Did Its Industry Show Weakness Too?

Assessing Open Finance SA's (WSE:OPF) past track record of performance is a valuable exercise for investors. … Today I will assess OPF's recent performance announced on 31 March 2018 and evaluate these figures to its longer term trend and industry movements. … How Did OPF's Recent Performance Stack Up Against Its Past

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Who Owns Most Of Open Finance SA. (WSE:OPF)?

Insider Ownership Insiders form another group of important ownership types as they manage the company's operations and decide the best use of capital. … This level of ownership gives retail investors the power to sway key policy decisions such as board composition, executive compensation, and potential acquisitions. … Next Steps: OPF's considerably high level of institutional ownership calls for further analysis into its margin of safety.

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How Did Open Finance SA.'s (WSE:OPF) Earnings Growth Stack Up Against The Industry?

In this commentary, I will examine Open Finance SA.'s (WSE:OPF) latest earnings update (31 December 2017) and compare these figures against its performance over the past couple of years, as well as how the rest of the capital markets industry performed. … See our latest analysis for Open Finance How Did OPF's Recent Performance Stack Up Against Its Past? … WSE:OPF Income Statement Apr 14th 18 We can further examine Open Finance's loss by looking at what the industry has been experiencing over the past few years.

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OPF Company Info

Description

Open Finance S.A. operates as a financial intermediary company in Poland. It primarily provides financial management services. The company also offers housing loans, cash loans, insurance products, and deposits to individuals; enterprise financing, factoring, and leasing products and services to companies; and finance products to developers, as well as acts as an investment firm agent. Open Finance S.A. was incorporated in 2004 and is based in Warsaw, Poland.

Details
Name: Open Finance S.A.
OPF
Exchange: WSE
Founded: 2004
PLN11,153,460
12,392,734
Website: http://www.open.pl
Address: Open Finance S.A.
ul. Przyokopowa 33,
Warsaw,
01-208,
Poland
Listings
Exchange Symbol Ticker Symbol Security Exchange Country Currency Listed on
WSE OPF Common Shares Warsaw Stock Exchange PL PLN 05. Apr 2011
LSE 0Q3U Common Shares London Stock Exchange GB PLN 05. Apr 2011
Number of employees
Current staff
Staff numbers
0
Open Finance employees.
Industry
Asset Management and Custody Banks
Diversified Financials
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2019/12/13 21:41
End of day share price update: 2019/12/13 00:00
Last estimates confirmation: 2017/12/24
Last earnings filing: 2019/11/18
Last earnings reported: 2019/09/30
Last annual earnings reported: 2018/12/31


All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.