FON SE

FON SE

GGPW:FON
1.70
PLN
0.00
(0.00%)
0.28EPS
6.69P/E
11.98MMarket Cap
FON SE
GPW:FON
(Warsaw Stock Exchange)

Recent

price

1.70

P/E

ratio

6.69

div

yld

- -

ROIC.AI

2008
2009
2010
2011
2012
2013
2014
2015
2016
2017
2018
2021
2022
2023
2024
2025
TTM
EUR
0.11
0.07
1.01
0.08
0.01
0.23
0.05
0.09
0.1
0.11
0.06
0.02
0.05
0.06
0.07
0.09
0.08
Revenue per Share
-0.03
-0.14
5.55
3.07
-1.36
1.32
-0.31
-3.49
-0.14
-0.28
-0.29
0.02
0.04
0.08
0.07
0.07
0.06
Basic EPS, GAAP
-0.04
-0.04
0.74
2.39
1.45
-3.98
0.77
-0.03
-0.04
-0.01
- -
0.13
0.21
0.42
-0.27
0.05
0.05
Free Cash Flow per Basic Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Dividend per Share
6.03
4.37
6.41
7.36
5.09
10.76
10.13
3.83
3.09
2.18
1.31
0.85
0.86
0.97
0.87
0.96
0.66
Book Value per Share
6.03
4.37
6.41
7.36
5.09
10.76
10.13
3.83
3.09
2.03
1.24
0.85
0.86
0.97
0.87
0.96
0.66
Tangible Book Value per Share
10
3
- -
1
2
5
21
5
5
5
7
7
7
7
6
6
6
Basic Weighted Avg Shares
1
- -
- -
- -
- -
1
1
- -
- -
1
- -
- -
- -
- -
- -
1
- -
Sales/Revenue/Turnover
-21.96
-77.1
-94.94
1,255.56
717.5
-88.26
64.6
-4,484.19
59.01
5.05
-324.38
89.82
93.01
94.58
92
93.5
91.04
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
- -
- -
1
3
-3
6
-6
-17
-1
-1
-2
- -
- -
1
- -
- -
- -
Net Income, GAAP
- -
- -
16.16
- -
- -
25.69
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Effective Tax Rate (%)
-24.08
-196.61
549.28
4,079.1
-9,885
574.06
-637.59
-3,956.86
-134.9
-248.43
-518.91
69.46
67.2
122.57
90.74
76.27
84.01
Profit Margin (%)
- -
- -
2
8
9
69
38
7
6
6
1
- -
- -
1
-4
-1
-1
Working Capital
- -
- -
- -
- -
- -
1
- -
- -
- -
- -
- -
4
3
- -
- -
- -
- -
LT Debt
1
1
6
18
14
62
49
19
15
16
9
6
6
7
6
6
4
Total Equity
- -
- -
-5.11
- -
- -
-1.83
- -
- -
- -
- -
- -
1.55
3.61
5.31
6.2
7.22
6.58
Return on Invested Capital (%)
- -
- -
13.57
- -
- -
21.59
- -
- -
- -
- -
- -
1.53
3.61
7.38
6.2
7.22
6.65
Return on Capital (%)
- -
-32.62
47.19
34.76
-21.88
17.02
-11.41
-49.98
-4.01
-9.36
-16.77
1.51
4.11
8.32
6.88
7.34
7.52
Return on Common Equity (%)

Capital Structure

EUR

•

in mil. unless spec.
Sep'26
Dec'26
Mar'26
ST Debt
1
1
1
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
6
6
6
Market Capitalization
5
3
3

Working Capital

EUR

•

in mil. unless spec.
Sep'26
Dec'26
Mar'26
Total Current Assets
3
- -
3
Cash, Cash Equivalents & STI
3
- -
2
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
1
1
3
Payables & Accruals
- -
- -
- -
ST Debt
1
1
1
Deferred Revenue
- -
- -
- -

Growth Rates

EUR

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
-16.76%
-5.81%
10.57%
Free Cash Flow
-440.09%
-803.71%
-118.5%
Net Income, GAAP
13.44%
21.45%
0.7%
Sales/Revenue/Turnover
4.72%
22.08%
19.79%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

EUR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
1
2026
- -
- -
- -
- -
- -

Quarterly Earnings Per Share

EUR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.02
0.02
0.78
0.02
0.07
2025
0.02
0.02
0.02
0.02
0.07
2026
0.02
0.01
0.02
- -
- -

Quarterly Dividends Per Share

EUR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -
Business
FON SE is a financial services company based in Tallinn, Estonia, primarily engaged in providing medium-term loans to retail customers and small businesses. The company offers a range of credit products including consumer loans and small business financing, alongside conducting capital investment activities. FON SE operates mainly in Estonia and Poland, targeting the retail and small business segments within these geographic markets. Founded in 2019, the company focuses on diversified financial services within the consumer finance industry. Recent major changes include the issuance of bonus shares aimed at capital strengthening, while continuing to expand its loan portfolio and investment initiatives. The company trades on the Warsaw Stock Exchange under the ticker FON and maintains a strategic focus on growing its financial services footprint through operational enhancements and market penetration in Central and Eastern Europe. FON SE’s headquarters are located in Tallinn, Estonia, and it actively manages its capital investments alongside lending activities to fuel growth and shareholder value.