PCF Group SA (PCF) AI Stock Analysis

• Market Cap: zł155.53M
• Dividend Yield: N/A
• Average Volume (3M): 59.84K
• Price to Earnings (P/E): ―
• Beta (1Y): 0.71
• Revenue Growth: 14.19%
• EPS Growth: -137.85%
• Country: PL
• Employees: 756
• Sector: Communication Services
• Sector Strength: 97
• Industry: Electronic Gaming & Multimedia
• EPS (TTM): N/A
• Shares Outstanding: 42,610,270
• 10 Day Avg. Volume: 37,484
• 30 Day Avg. Volume: 59,839
• PEG Ratio: -0.02
• Price to Book (P/B): 1.14
• Price to Sales (P/S): 1.47
• P/FCF Ratio: -2.24
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 37 Underperform
• Price Target: zł3.00 ▼(-17.81% Downside)

PCF Group SA's overall stock score is very low due to significant financial challenges, bearish technical indicators, and unattractive valuation metrics. The company's declining profitability, negative cash flow, and poor market sentiment are the most significant factors impacting the score. Immediate strategic actions are needed to address these issues.

PCF Group SA Business Overview & Revenue Model

Company Description

PCF Group Spólka Akcyjna develops and publishes computer and mobiles games. The company was founded in 2002 and is based in Warsaw, Poland.

How the Company Makes Money

PCF generates revenue through multiple streams, primarily by offering financial products such as loans, investment services, and advisory solutions. The company earns interest income from loans issued to consumers and businesses, which constitutes a significant portion of its revenue. Additionally, PCF generates fees from investment management services and transaction-based revenue from financial advisory services. Strategic partnerships with fintech companies and financial institutions enable PCF to expand its service offerings and reach a broader customer base, further enhancing its revenue potential. The company's focus on technology adoption and innovation allows it to streamline operations and reduce costs, contributing positively to its overall profitability.

PCF Group SA Financial Statement Overview

Summary

PCF Group SA is facing severe financial difficulties. The income statement shows declining profitability with a significant drop in gross and net profit margins. The balance sheet indicates moderate leverage but poor returns on equity. Cash flow analysis reveals negative free cash flow and insufficient cash generation, highlighting operational inefficiencies and substantial net losses.

Income Statement

The income statement shows a concerning trend with declining profitability. The company has experienced a significant drop in gross profit margin from 50.32% in 2022 to 25.43% in 2024, indicating increased cost pressures. Net profit margin has also deteriorated, moving from a positive 10.89% in 2022 to a negative 91.60% in 2024, reflecting substantial losses. Revenue growth is positive at 11.50% in 2024, but the negative EBIT and EBITDA margins highlight operational inefficiencies.

Balance Sheet

The balance sheet reveals moderate leverage with a debt-to-equity ratio of 0.25 in 2024, which is manageable. However, the return on equity has turned negative at -70.73% in 2024, indicating poor returns for shareholders. The equity ratio remains stable, suggesting a solid capital structure, but the declining equity value is a concern.

Cash Flow

Cash flow analysis indicates significant challenges. Free cash flow remains negative and has worsened, with a growth rate of -15.95% in 2024. The operating cash flow to net income ratio is very low at 0.02, suggesting insufficient cash generation relative to net losses. The free cash flow to net income ratio is also negative, highlighting cash flow issues.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	210.61M	190.40M	150.12M	171.49M	180.29M	103.77M
Gross Profit	50.85M	48.42M	52.12M	86.28M	90.02M	37.50M
EBITDA	-255.72M	-167.51M	-64.90M	49.91M	77.00M	33.42M
Net Income	-257.70M	-174.40M	-76.72M	18.67M	61.37M	24.58M
Balance Sheet
Total Assets	252.23M	373.35M	513.46M	350.80M	316.69M	95.70M
Cash, Cash Equivalents and Short-Term Investments	35.13M	58.09M	159.41M	67.98M	137.10M	41.47M
Total Debt	47.46M	61.04M	32.71M	37.60M	37.18M	13.74M
Total Liabilities	107.73M	122.58M	85.58M	73.17M	57.15M	19.18M
Stockholders Equity	140.80M	246.56M	422.76M	272.31M	257.46M	76.52M
Cash Flow
Free Cash Flow	-57.97M	-125.09M	-129.46M	-51.32M	31.78M	9.19M
Operating Cash Flow	8.05M	2.19M	12.20M	59.17M	59.25M	15.76M
Investing Cash Flow	-65.94M	-91.27M	-175.72M	-108.97M	-81.92M	-6.57M
Financing Cash Flow	24.72M	21.60M	220.60M	-17.87M	118.40M	2.19M

PCF Group SA Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 3.65
• 50DMA: Positive
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For PL:PCF, the sentiment is Positive. The current price of 3.65 is above the 20-day moving average (MA) of 3.48, above the 50-day MA of 3.44, and below the 200-day MA of 5.44, indicating a neutral trend. The MACD of 0.08 indicates Positive momentum. The RSI at 55.72 is Neutral, neither overbought nor oversold. The STOCH value of 38.65 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for PL:PCF.

PCF Group SA Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
CDR	66 Neutral	zł24.04B	42.15	19.54%	0.42%	-24.57%	-19.36%
11B	63 Neutral	zł348.08M	-19.02	-6.95%	―	186.70%	―
BLO	63 Neutral	zł486.49M	9.66	35.96%	―	―	―
Sector *	60 Neutral	$48.67B	4.58	-11.27%	4.14%	2.83%	-41.78%
CIG	51 Neutral	zł513.32M	-65.72	-4.82%	―	-77.36%	-99.33%
PCF	37 Underperform	zł155.53M	-0.51	-53.31%	―	14.19%	-137.85%