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  3. •

    Financial - Credit Services
PBS Finanse S.A.

PBS Finanse S.A.

PBF.WA
PBS Finanse S.A.PL flagWarsaw Stock Exchange
1.18
PLN
- -
- -
12.33MMarket Cap
PBS Finanse S.A.
PBF.WA
(Warsaw Stock Exchange)

Recent

price

1.18

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
2.28
11.21
1.11
0.11
1.09
0.98
0.61
0.61
0.34
0.19
0.03
0.11
0.19
0.09
0.44
0.34
0.44
Revenue per Share
-0.25
-2.37
-0.15
-0.02
0.11
0.05
-0.45
-0.39
-0.27
-0.81
-0.31
-0.02
-0.03
0.03
-0.01
0.01
-0.04
Basic EPS, GAAP
-0.45
-3.29
-0.34
-0.03
-0.07
-0.08
-0.21
-0.21
-0.11
-0.16
-0.19
-0.12
-0.22
-0.17
-0.08
-0.09
-0.13
Free Cash Flow per Basic Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Dividend per Share
2.51
23.56
2.19
0.2
2.28
2.29
2.3
1.97
1.72
1.03
0.72
0.7
0.67
0.62
0.61
0.62
0.6
Book Value per Share
2.65
26.57
2.51
0.25
2.58
2.46
2.37
2.04
1.66
1.18
0.87
0.85
0.82
0.85
0.84
0.85
0.83
Tangible Book Value per Share
5
1
10
105
10
10
10
10
10
10
10
10
10
10
10
10
10
Basic Weighted Avg Shares
12
12
12
11
11
10
6
6
4
2
- -
1
2
1
5
4
5
Sales/Revenue/Turnover
-19.84
-16.62
-25.36
-25.59
3.43
-4.26
-78.39
-36.91
-41.86
-56.82
-956.38
-67.9
-22.91
-73.28
-8.89
-14.05
-13.83
Operating Margin (%)
- -
- -
- -
1
1
1
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
-1
-2
-2
-2
1
- -
-5
-4
-3
-8
-3
- -
- -
- -
- -
- -
- -
Net Income, GAAP
- -
- -
- -
- -
- -
53.93
- -
- -
- -
- -
- -
- -
- -
5.12
- -
5.17
- -
Effective Tax Rate (%)
-11.01
-21.14
-13.96
-14.37
9.66
4.8
-74.17
-64.82
-80.13
-431.11
-1,149.65
-18.5
-15.41
28.9
-2.02
3.09
-8.87
Profit Margin (%)
6
15
12
5
6
6
7
3
5
9
7
6
6
6
7
7
7
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
14
28
26
26
27
26
25
21
17
12
9
9
9
9
9
9
9
Total Equity
- -
- -
- -
- -
- -
-0.73
- -
- -
- -
- -
- -
- -
- -
-7.63
- -
-5.35
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
2.18
- -
- -
- -
- -
- -
- -
- -
4.12
- -
1.7
2.03
Return on Capital (%)
-6.88
-13.13
-6.82
-7.14
4.87
2.07
-19.57
-18.48
-14.73
-59.03
-35.48
-2.9
-4.22
4.12
-1.44
1.7
-6.26
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Sep'24
Dec'24
Mar'25
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
10
10
10
Market Capitalization
10
9
8

Working Capital

FRC

•

in mil. unless spec.
Sep'24
Dec'24
Mar'25
Total Current Assets
11
9
8
Cash, Cash Equivalents & STI
3
3
3
Accounts Receivable, Net
- -
- -
- -
Inventories
7
5
5
Total Current Liabilities
4
2
1
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
-9.35%
-0.46%
1.25%
Free Cash Flow
- -
-3.06%
17.92%
Net Income, GAAP
-155.42%
-119.34%
-218.28%
Sales/Revenue/Turnover
47.27%
137.05%
-22.61%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
1
1
- -
3
5
2025
1
- -
1
- -
4
2026
1
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

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

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -
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Business
PBS Finanse S.A. (PBF.WA) engages primarily in real estate rental activities in Poland, having transitioned from its origins as Beef-San Zaklady Miesne SA, a meat processing entity, to focus on property leasing and related financial operations; the company also maintains involvement in financial services including credit intermediation, loan provision, financial leasing, and advisory services for individuals and corporate clients. Core offerings encompass real estate rental management, lease financing, other loans, and transaction supervision, supported by subsidiaries such as 99.9%-owned DUET Sp. z o.o., which handles production, wholesale and retail trade of food products and beverages, storage, transportation, loans, and leasing, alongside 60%-owned NEWCO Sp. z o.o., operator of a social lending online platform providing management, IT consulting, and advertising services. Founded in 1991 and headquartered at ul. Mickiewicza 29 in Sanok, Podkarpackie (postal code 38-500), Poland, PBS Finanse operates exclusively within the Polish market, employing approximately 50 staff and reporting trailing twelve-month revenue of PLN 5.35 million with net earnings of PLN 128,000 as of mid-2025. Recent financial performance shows revenue growth to PLN 1.9 million for the nine months ended September 30, 2024, alongside earnings reports for Q1 2025 and sustained stock trading activity, though no major acquisitions, funding rounds, partnerships, or strategic expansions have been publicly announced in the last 1-2 years; the company maintains low debt-to-equity of 0.2% and focuses on liquidity management for trading inventories and receivables.