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Comperia.pl S.A.

Comperia.pl S.A.

CPL.WA
Comperia.pl S.A.PL flagWarsaw Stock Exchange
4.92
PLN
-0.13
- -
15.51MMarket Cap
2012 Y
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
TTM
Revenue per Share
5.05
8.48
8.39
8.76
7.59
10.37
11.52
7.48
6.72
11.05
12.68
12.95
15.61
19.19
Basic EPS, GAAP
1.1
1.75
2.04
-1.08
-4.11
-1.64
-3.29
0.07
0.34
1.08
1.47
-0.18
-0.21
-0.73
Free Cash Flow per Basic Share
-2.61
-0.16
-2.63
-1.81
-1.44
0.1
-1.72
0.15
0.12
0.7
-0.1
-0.7
-1.9
-0.31
Dividend per Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Book Value per Share
0.94
1.74
1.95
-1.92
-6.31
-3.65
-5.15
-1.09
-0.22
0.86
2.34
1.47
1.52
1.45
Tangible Book Value per Share
-0.28
1.27
2.66
0.69
-0.5
-0.5
2.32
1.24
1.34
2.17
1.88
1.02
1.38
0.95
Basic Weighted Avg Shares
1
2
2
2
2
2
2
3
4
4
3
3
3
3
Sales/Revenue/Turnover
7
13
17
19
16
22
26
26
24
39
44
42
50
64
Operating Margin (%)
25.71
26.11
9.98
-11.82
-37.78
-14.3
-12.56
1.1
4.21
13.74
12.28
-4.71
0.11
-4.05
Depreciation Expense
1
3
2
4
5
4
4
1
1
2
2
2
3
4
Net Income, GAAP
1
3
4
-2
-9
-4
-8
- -
1
4
5
-1
-1
-2
Effective Tax Rate (%)
14.79
21.17
- -
- -
- -
- -
- -
- -
- -
20.82
19.63
- -
- -
- -
Profit Margin (%)
21.8
20.61
24.34
-12.38
-54.14
-15.83
-28.57
0.9
5.09
9.74
11.58
-1.38
-1.31
-3.81
Working Capital
- -
3
8
4
- -
- -
5
3
4
7
6
3
4
2
LT Debt
- -
- -
- -
- -
- -
1
- -
- -
- -
2
1
1
1
1
Total Equity
4
10
24
21
12
9
9
10
11
15
18
17
16
16
Return on Invested Capital (%)
39.34
36.08
- -
- -
- -
- -
- -
- -
- -
30.1
24.02
- -
- -
- -
Return on Capital (%)
162.37
117.14
- -
- -
- -
- -
- -
- -
- -
150.93
69.09
- -
- -
- -
Return on Common Equity (%)
- -
136.52
125.28
- -
- -
- -
- -
- -
- -
- -
91.3
-8.94
-13.62
-42.23

Capital Structure

FRC

•

in mil. unless spec.
Mar'25
Jun'25
Sep'25
ST Debt
1
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
1
1
1
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
3
3
3
Market Capitalization
17
15
21

Working Capital

FRC

•

in mil. unless spec.
Mar'25
Jun'25
Sep'25
Total Current Assets
11
14
15
Cash, Cash Equivalents & STI
- -
2
1
Accounts Receivable, Net
11
13
13
Inventories
- -
- -
- -
Total Current Liabilities
10
11
12
Payables & Accruals
- -
- -
- -
ST Debt
1
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
-1.16%
12.03%
-5.46%
Free Cash Flow
-123.07%
209.2%
165.93%
Net Income, GAAP
63.65%
112.77%
13.17%
Sales/Revenue/Turnover
13.17%
16.44%
18.67%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
12
12
13
13
50
2025
15
18
19
19
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
1.24
- -
-0.33
- -
-0.21
2025
-0.44
- -
0.01
0.06
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -

Company Description

APIChat
CEO
Szymon Stanislaw Fiecek
Full Time Employees
47
Sector
Communication Services
Industry
Internet Content & Information
Address
ul. Konstruktorska 13 Warsaw Poland 02-673
IPO Date
Dec 5, 2011
Website
comperia.pl
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Business
Comperia.pl S.A. operates as a leading financial comparison and fintech platform in Poland, enabling users to compare and access a wide range of financial products and services including cash loans, consolidation loans, mortgage loans, personal and business bank accounts, savings accounts, credit cards, deposits, investment funds, leasing, factoring, life and non-life insurance, and car insurance policies (AC/OC); the company also provides e-commerce payment solutions via Comfino, which offers Buy Now Pay Later (BNPL), installments, leasing, and instant BLIK payments for online and offline merchants across sectors such as medical, jewelry, automotive, and funeral services; additional offerings encompass insurance brokerage through Comperia Ubezpieczenia, credit brokerage via ComperiaRaty (now available offline through financial brokers), and affiliate marketing services under ComperiaLead, which connects partners with 19 banks for client acquisition using AI-powered tools, referral recommendations, and online advertising. Founded in 2007 and headquartered at ul. Konstruktorska 13 in Warsaw, Poland, Comperia.pl S.A. is listed on the Warsaw Stock Exchange (ticker: CPL.WA) and holds a license as a Small Payment Institution (MIP), serving primarily Polish consumers and businesses through its core segments of insurance comparison and brokerage, e-commerce payments, and advertising/financial services brokerage. Recent developments include the 2024 sale of its media asset Telepolis.pl for PLN 9.6 million, with proceeds reinvested into Comfino's expansion to over 2,000 merchants and integrations with platforms like RedCart; the offline rollout of ComperiaRaty and expansion of Comperia Ubezpieczenia agents to offer financial products alongside enhanced CRM systems; a major January 2025 one-year contract with OLX Group's OTOMOTO granting exclusive access to 100% of its advertising space and positioning Comperia as the sole financial services provider, with potential revenue up to PLN 13 million and future integration of Comfino for car parts; internal leadership changes such as appointing Cezary Tokarski to the Management Board, alongside promotions for Mariusz Fornal, Miłosz Mickiewicz, and Rafał Bojarczuk; and ongoing innovations like AI chat tools for affiliates and planned online courses for ComperiaLead users in 2025.