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PBS Finanse S.A. (PL:PBF)
:PBF
Poland Market

PBS Finanse S.A. (PBF) Ratios

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PBS Finanse S.A. Ratios

PL:PBF's free cash flow for Q3 2025 was zł―. For the 2025 fiscal year, PL:PBF's free cash flow was decreased by zł and operating cash flow was zł―. See a summary of the company’s cash flow.
Ratios
TTM
Dec 24Dec 23Dec 22Dec 21
Liquidity Ratios
Current Ratio
0.00 3.03 4.47 5.12 5.08
Quick Ratio
0.00 1.41 3.09 4.89 5.08
Cash Ratio
0.00 0.41 1.51 3.03 3.16
Solvency Ratio
0.09 0.09 1.30 1.20 0.39
Operating Cash Flow Ratio
0.00 -0.56 -1.37 -0.80 -1.20
Short-Term Operating Cash Flow Coverage
0.00 0.00 0.00 -20.13 -39.74
Net Current Asset Value
zł -1.41Mzł 6.30Mzł 5.71Mzł 6.42Mzł 6.73M
Leverage Ratios
Debt-to-Assets Ratio
0.00 0.00 0.00 <0.01 <0.01
Debt-to-Equity Ratio
0.00 0.00 0.00 <0.01 <0.01
Debt-to-Capital Ratio
0.00 0.00 0.00 <0.01 <0.01
Long-Term Debt-to-Capital Ratio
0.00 0.00 0.00 0.00 0.00
Financial Leverage Ratio
1.16 1.35 1.19 1.18 1.18
Debt Service Coverage Ratio
2.38 0.00 0.00 5.08 -52.17
Interest Coverage Ratio
-1.95 0.00 0.00 -789.00 -705.67
Debt to Market Cap
0.00 0.00 0.00 0.02 0.02
Interest Debt Per Share
<0.01 0.00 0.00 <0.01 <0.01
Net Debt to EBITDA
-22.44 -4.28 8.83 22.21 1.56
Profitability Margins
Gross Profit Margin
43.63%59.77%24.74%27.19%35.34%
EBIT Margin
2.02%30.46%-14.74%-18.50%-820.19%
EBITDA Margin
2.04%30.56%-14.44%-18.07%-799.52%
Operating Profit Margin
-1.46%-73.28%-22.91%-67.90%-508.89%
Pretax Profit Margin
2.65%30.46%-14.74%-18.50%-914.18%
Net Profit Margin
2.39%28.90%-15.41%27.11%-779.33%
Continuous Operations Profit Margin
2.39%28.90%-15.41%-18.50%-779.33%
Net Income Per EBT
90.14%94.88%104.50%-146.51%85.25%
EBT Per EBIT
-182.05%-41.56%64.37%27.25%179.64%
Return on Assets (ROA)
1.25%2.31%-2.94%3.00%-30.00%
Return on Equity (ROE)
1.45%3.12%-3.50%3.53%-35.49%
Return on Capital Employed (ROCE)
-0.76%-7.91%-5.20%-8.83%-23.13%
Return on Invested Capital (ROIC)
-0.69%-7.51%-5.43%12.76%-19.40%
Return on Tangible Assets
1.25%2.31%-1.47%1.50%-15.00%
Earnings Yield
1.99%2.63%-6.69%10.61%-102.71%
Efficiency Ratios
Receivables Turnover
5.34 0.89 1.65 1.02 0.36
Payables Turnover
0.00 3.58 7.93 12.63 6.90
Inventory Turnover
0.00 0.08 0.65 2.43 0.00
Fixed Asset Turnover
5.35K 481.00 326.67 89.38 7.05
Asset Turnover
0.52 0.08 0.19 0.11 0.04
Working Capital Turnover Ratio
1.56 0.16 0.32 0.18 0.05
Cash Conversion Cycle
68.29 5.05K 740.28 479.32 948.20
Days of Sales Outstanding
68.29 410.53 221.61 358.09 1.00K
Days of Inventory Outstanding
0.00 4.74K 564.70 150.14 0.00
Days of Payables Outstanding
0.00 101.86 46.03 28.91 52.92
Operating Cycle
68.29 5.15K 786.31 508.23 1.00K
Cash Flow Ratios
Operating Cash Flow Per Share
-0.08 -0.17 -0.22 -0.12 -0.19
Free Cash Flow Per Share
-0.08 -0.17 -0.22 -0.12 -0.19
CapEx Per Share
0.00 0.00 0.00 <0.01 <0.01
Free Cash Flow to Operating Cash Flow
1.00 1.00 1.00 1.00 1.00
Dividend Paid and CapEx Coverage Ratio
0.00 0.00 0.00 -416.00 -662.33
Capital Expenditure Coverage Ratio
0.00 0.00 0.00 -416.00 -662.33
Operating Cash Flow Coverage Ratio
0.00 0.00 0.00 -20.13 -39.74
Operating Cash Flow to Sales Ratio
-0.16 -1.81 -1.16 -1.07 -4.78
Free Cash Flow Yield
-13.60%-16.50%-50.23%-42.14%-63.04%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
50.22 37.97 -14.95 9.42 -0.97
Price-to-Sales (P/S) Ratio
1.20 10.97 2.30 2.55 7.59
Price-to-Book (P/B) Ratio
0.73 1.19 0.52 0.33 0.35
Price-to-Free Cash Flow (P/FCF) Ratio
-7.35 -6.06 -1.99 -2.37 -1.59
Price-to-Operating Cash Flow Ratio
-7.36 -6.06 -1.99 -2.38 -1.59
Price-to-Earnings Growth (PEG) Ratio
0.38 -0.20 0.08 -0.09 0.02
Price-to-Fair Value
0.73 1.19 0.52 0.33 0.35
Enterprise Value Multiple
36.53 31.63 -7.12 8.08 0.61
Enterprise Value
3.98M 9.30M 2.02M -1.70M -2.03M
EV to EBITDA
36.53 31.63 -7.12 8.08 0.61
EV to Sales
0.74 9.67 1.03 -1.46 -4.87
EV to Free Cash Flow
-4.56 -5.34 -0.89 1.36 1.02
EV to Operating Cash Flow
-4.56 -5.34 -0.89 1.36 1.02
Tangible Book Value Per Share
0.85 0.85 0.82 0.85 0.87
Shareholders’ Equity Per Share
0.85 0.85 0.82 0.85 0.87
Tax and Other Ratios
Effective Tax Rate
0.10 0.05 -0.04 2.47 0.15
Revenue Per Share
0.51 0.09 0.19 0.11 0.04
Net Income Per Share
0.01 0.03 -0.03 0.03 -0.31
Tax Burden
0.90 0.95 1.04 -1.47 0.85
Interest Burden
1.31 1.00 1.00 1.00 1.11
Research & Development to Revenue
0.00 0.00 >-0.01 >-0.01 >-0.01
SG&A to Revenue
0.21 1.12 0.49 1.06 5.01
Stock-Based Compensation to Revenue
0.00 0.00 0.00 0.00 0.00
Income Quality
-6.83 -6.27 7.51 5.80 0.52
Currency in PLN