Stock Y00 LM PAY S.A.
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Financials LM PAY S.A.

Equities

Y00

PLLMPAY00016

Consumer Lending

Delayed Deutsche Boerse AG
Other stock markets
 04:00:19 2024-06-28 EDT 		5-day change 1st Jan Change
40 EUR +14.29% Intraday chart for LM PAY S.A. +14.29% -16.32%

Valuation

Fiscal Period: December 2024 2025 2026
Capitalization 1 107 - -
Enterprise Value (EV) 1 150 166.7 168.3
P/E ratio 123 x 27.5 x 14.5 x
Yield - - -
Capitalization / Revenue 5.91 x 2.75 x 2.23 x
EV / Revenue 8.29 x 4.28 x 3.51 x
EV / EBITDA 26.3 x 10.5 x 7.61 x
EV / FCF 6.58 x -9.98 x -99 x
FCF Yield 15.2% -10% -1.01%
Price to Book 2.42 x 2.22 x 1.93 x
Nbr of stocks (in thousands) 620.8 - -
Reference price 2 172.3 172.3 172.3
Announcement Date - - -
1PLN in Million2PLN
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2024 2025 2026
Net sales 1 18.1 38.9 48
EBITDA 1 5.7 15.8 22.1
EBIT 1 5.6 15.7 22.1
Operating Margin 30.94% 40.36% 46.04%
Earnings before Tax (EBT) 1 1.1 4.9 9.2
Net income 1 0.9 3.9 7.4
Net margin 4.97% 10.03% 15.42%
EPS 2 1.400 6.260 11.87
Free Cash Flow 1 22.8 -16.7 -1.7
FCF margin 125.97% -42.93% -3.54%
FCF Conversion (EBITDA) 400% - -
FCF Conversion (Net income) 2,533.33% - -
Dividend per Share - - -
Announcement Date - - -
1PLN in Million2PLN
Estimates

Balance Sheet Analysis

Fiscal Period: December 2024 2025 2026
Net Debt 1 43 59.7 61.3
Net Cash position 1 - - -
Leverage (Debt/EBITDA) 7.544 x 3.778 x 2.774 x
Free Cash Flow 1 22.8 -16.7 -1.7
ROE (net income / shareholders' equity) 2% 8.1% 13.3%
ROA (Net income/ Total Assets) - - -
Assets 1 - - -
Book Value Per Share 2 71.30 77.50 89.40
Cash Flow per Share 2 36.80 -26.90 -2.710
Capex - - -
Capex / Sales - - -
Announcement Date - - -
1PLN in Million2PLN
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
BUY
Number of Analysts
1
Last Close Price
172.3 PLN
Average target price
285.6 PLN
Spread / Average Target
+65.76%
Consensus

EPS Revisions

Estimates Revisions

Annual profits - Rate of surprise

Company calendar

Sector Microfinancing

1st Jan change Capi.
LM PAY S.A. Stock LM PAY S.A.
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SATIN CREDITCARE NETWORK LIMITED Stock Satin Creditcare Network Limited
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+18.93% 125M
ASA INTERNATIONAL GROUP PLC Stock ASA International Group PLC
+29.39% 108M
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