PCF Group SA (PCF) AI Stock Analysis

• Market Cap: zł139.97M
• Dividend Yield: N/A
• Average Volume (3M): 59.84K
• Price to Earnings (P/E): ―
• Beta (1Y): 0.81
• 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): 5.04
• Revenue Forecast (FY): zł942.00M

• Rating: 44 Neutral
• Price Target: zł5.00 ▲(36.99% Upside)
• Action: N/A Date: 09/14/25
• Date: Action: N/A 09/14/25

The overall score of 44 reflects significant concerns in financial performance, with severe losses and cash flow issues outweighing modest revenue growth. Valuation remains unattractive due to negative earnings, and limited technical data provides no strong counterbalance. Financial health is the primary drag on the score.

Positive Factors

Revenue Growth

Despite profitability challenges, PCF's revenue growth indicates potential for market expansion and increased customer acquisition.

Moderate Leverage

PCF's moderate leverage suggests a manageable debt level, providing some financial stability and room for strategic investments.

Technology Adoption

PCF's commitment to leveraging technology enhances operational efficiency and customer experience, supporting long-term competitiveness.

Negative Factors

Declining Profitability

The decline in profitability highlights cost pressures and operational inefficiencies, which could hinder long-term financial health.

Negative Cash Flow

Negative cash flow indicates insufficient cash generation, limiting PCF's ability to invest in growth opportunities and manage debt.

Poor Returns on Equity

Negative returns on equity suggest that shareholders are not receiving adequate returns, potentially impacting investor confidence and capital raising.

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

Financial performance is weak, with severe profitability issues (net profit margin of -91.6%), declining equity (from 422.8M to 246.6M), and negative free cash flow (-125.1M). Revenue growth of 11.5% offers a slight positive, but operational inefficiencies dominate, resulting in a low score.

Income Statement

The income statement reflects significant challenges for PCF Group SA. In 2024, revenue grew by 11.5%, which is a positive sign. However, the company reported a gross profit margin of 25.4%, a sharp decline from 34.7% in 2023, and a net profit margin of -91.6%, indicating severe losses. EBIT and EBITDA margins are also deeply negative at -104.5% and -88.0%, respectively, highlighting operational inefficiencies and profitability issues. The score reflects limited strengths overshadowed by substantial weaknesses.

Balance Sheet

The balance sheet shows a mixed picture. The debt-to-equity ratio increased to 0.25 in 2024 from 0.08 in 2023, indicating higher leverage, though it remains moderate. Stockholders' equity decreased significantly from 422.8M in 2023 to 246.6M in 2024, reflecting erosion of shareholder value. Return on equity is deeply negative at -70.7%, signaling poor utilization of equity. The score reflects moderate stability in leverage but significant concerns over equity and returns.

Cash Flow

Cash flow performance is weak for PCF Group SA. Operating cash flow in 2024 was only 2.2M, a sharp decline from 12.2M in 2023, indicating struggles to generate cash from operations. Free cash flow is heavily negative at -125.1M, with a growth rate of -15.9%, worsening from the prior year. The free cash flow to net income ratio is extremely poor at -57.0, underscoring cash burn. The score reflects critical weaknesses with minimal positive aspects.

Breakdown	TTM	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021
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: Negative
• Last Price: 3.65
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For PL:PCF, the sentiment is Negative. The current price of 3.65 is above the 20-day moving average (MA) of 3.56, below the 50-day MA of 3.75, and below the 200-day MA of 4.19, indicating a bearish trend. The MACD of -0.12 indicates Positive momentum. The RSI at 34.65 is Neutral, neither overbought nor oversold. The STOCH value of 11.01 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative 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	64 Neutral	zł24.38B	45.66	19.61%	0.42%	-24.57%	-19.36%
Sector *	60 Neutral	$48.67B	4.58	-11.27%	4.14%	2.83%	-41.78%
BLO	57 Neutral	zł466.22M	3.38	36.90%	―	―	―
11B	53 Neutral	zł326.81M	8.49	-6.95%	―	186.70%	―
CIG	45 Neutral	zł542.90M	-14.94	-4.82%	―	-77.36%	-99.33%
PCF	44 Neutral	zł139.97M	-0.33	-121.49%	―	14.19%	-137.85%