Asseco Poland S.A. Logo

Asseco Poland S.A.

ACP.WA

(3.0)
Stock Price

86,75 PLN

4.52% ROA

8.99% ROE

12.66x PER

Market Cap.

6.075.856.235,00 PLN

63.89% DER

4.11% Yield

2.86% NPM

Asseco Poland S.A. Stock Analysis

Asseco Poland S.A. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Asseco Poland S.A. Fundamental Stock Analysis
# Analysis Rating
1 ROE

ROE surpassing expectations (16.14%) highlights strong profitability and efficient use of shareholders' equity, making it an appealing investment prospect.

2 ROA

This stock has a great ability to make a lot of money from the things it owns, which makes it a really good investment for smart investors.

3 DER

The stock has a minimal amount of debt (1%) relative to its ownership, showcasing a strong financial position and lower risk for investors.

4 Dividend

The company's consistent dividend distribution over the past five years reflects its dedication to providing shareholders with steady returns, making it an appealing choice for investors seeking income stability.

5 PBV

The stock's PBV ratio (1.36x) indicates a justifiable valuation, presenting a compelling choice for investors seeking reasonable returns.

6 Graham Number

The Graham number calculation reveals that this company's stock price is potentially underestimated, implying that it may be a promising investment option.

7 Dividend Growth

The company's dividend growth has been consistently strong over the past three years, with annual increases that demonstrate its commitment to rewarding shareholders.

8 Buffet Intrinsic Value

Based on Warren Buffett's formula, the company's stock appears undervalued (1.101), presenting an attractive investment chance with its intrinsic value surpassing the current market price.

9 Revenue Growth

Regrettably, this company's revenue has shown no signs of growth over the past three years, suggesting limited potential for returns and making it a less appealing choice.

10 Net Profit Growth

Throughout the last five years, this company's net profit has remained unchanged, indicating a lack of growth and making it a less favorable investment option.

11 Assets Growth

Company has experienced no growth in revenue over the past three years, suggesting limited profitability and making it a less desirable investment opportunity.

Asseco Poland S.A. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Asseco Poland S.A. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Sell
3 RSI Hold
4 Stoch RSI Hold

Asseco Poland S.A. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Asseco Poland S.A. Revenue
Year Revenue Growth
2004 482.013.000
2005 539.233.000 10.61%
2006 497.687.000 -8.35%
2007 1.282.399.000 61.19%
2008 2.786.580.000 53.98%
2009 3.050.252.000 8.64%
2010 3.237.733.000 5.79%
2011 4.960.000.000 34.72%
2012 5.529.100.000 10.29%
2013 5.898.100.000 6.26%
2014 6.231.900.000 5.36%
2015 7.256.200.000 14.12%
2016 7.932.000.000 8.52%
2017 7.830.500.000 -1.3%
2018 9.328.600.000 16.06%
2019 10.667.400.000 12.55%
2020 12.190.300.000 12.49%
2021 14.498.100.000 15.92%
2022 17.370.100.000 16.53%
2023 16.380.800.000 -6.04%
2023 16.896.500.000 3.05%
2024 16.588.800.000 -1.85%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Asseco Poland S.A. Research and Development Expenses
Year Research and Development Expenses Growth
2004 0
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 600.000 100%
2016 200.000 -200%
2017 200.000 0%
2018 0 0%
2019 2.700.000 100%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Asseco Poland S.A. General and Administrative Expenses
Year General and Administrative Expenses Growth
2004 54.352.000
2005 42.063.000 -29.22%
2006 37.131.000 -13.28%
2007 26.208.000 -41.68%
2008 276.675.000 90.53%
2009 302.290.000 8.47%
2010 288.072.000 -4.94%
2011 400.100.000 28%
2012 434.300.000 7.87%
2013 453.700.000 4.28%
2014 477.100.000 4.9%
2015 543.700.000 12.25%
2016 620.900.000 12.43%
2017 624.900.000 0.64%
2018 676.100.000 7.57%
2019 745.200.000 9.27%
2020 821.500.000 9.29%
2021 977.200.000 15.93%
2022 1.166.200.000 16.21%
2023 1.169.600.000 0.29%
2023 1.165.000.000 -0.39%
2024 110.000.000 -959.09%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Asseco Poland S.A. EBITDA
Year EBITDA Growth
2004 101.620.000
2005 119.748.000 15.14%
2006 93.569.000 -27.98%
2007 269.151.000 65.24%
2008 823.668.000 67.32%
2009 722.548.000 -13.99%
2010 750.570.000 3.73%
2011 838.600.000 10.5%
2012 935.100.000 10.32%
2013 895.300.000 -4.45%
2014 944.100.000 5.17%
2015 1.010.300.000 6.55%
2016 1.061.500.000 4.82%
2017 782.000.000 -35.74%
2018 1.301.900.000 39.93%
2019 1.618.700.000 19.57%
2020 1.901.700.000 14.88%
2021 2.209.200.000 13.92%
2022 2.488.900.000 11.24%
2023 4.100.000.000 39.3%
2023 2.093.699.999 -95.83%
2024 2.408.000.000 13.05%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Asseco Poland S.A. Gross Profit
Year Gross Profit Growth
2004 94.389.000
2005 97.789.000 3.48%
2006 116.450.000 16.02%
2007 434.018.000 73.17%
2008 976.512.000 55.55%
2009 1.043.085.000 6.38%
2010 1.076.749.000 3.13%
2011 1.399.400.000 23.06%
2012 1.475.700.000 5.17%
2013 1.454.700.000 -1.44%
2014 1.519.800.000 4.28%
2015 1.749.600.000 13.13%
2016 1.866.500.000 6.26%
2017 1.671.800.000 -11.65%
2018 1.994.000.000 16.16%
2019 2.301.000.000 13.34%
2020 2.664.200.000 13.63%
2021 3.244.200.000 17.88%
2022 3.784.100.000 14.27%
2023 3.581.200.000 -5.67%
2023 3.725.700.000 3.88%
2024 3.739.200.000 0.36%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Asseco Poland S.A. Net Profit
Year Net Profit Growth
2004 445.000
2005 42.067.000 98.94%
2006 74.565.000 43.58%
2007 160.913.000 53.66%
2008 399.460.000 59.72%
2009 437.866.000 8.77%
2010 498.894.000 12.23%
2011 397.100.000 -25.63%
2012 370.100.000 -7.3%
2013 393.900.000 6.04%
2014 358.400.000 -9.91%
2015 365.500.000 1.94%
2016 301.300.000 -21.31%
2017 654.500.000 53.96%
2018 591.700.000 -10.61%
2019 697.100.000 15.12%
2020 863.300.000 19.25%
2021 1.054.300.000 18.12%
2022 1.358.800.000 22.41%
2023 454.800.000 -198.77%
2023 482.800.000 5.8%
2024 409.600.000 -17.87%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Asseco Poland S.A. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2004 0
2005 2 100%
2006 3 50%
2007 3 33.33%
2008 5 40%
2009 5 0%
2010 6 0%
2011 5 0%
2012 5 -25%
2013 4 -33.33%
2014 4 25%
2015 4 0%
2016 4 -33.33%
2017 8 57.14%
2018 7 0%
2019 8 12.5%
2020 10 20%
2021 13 16.67%
2022 16 25%
2023 6 -220%
2023 6 16.67%
2024 6 0%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Asseco Poland S.A. Free Cashflow
Year Free Cashflow Growth
2004 -34.330.000
2005 24.903.000 237.85%
2006 18.773.000 -32.65%
2007 9.960.000 -88.48%
2008 344.874.000 97.11%
2009 312.452.000 -10.38%
2010 462.332.000 32.42%
2011 314.000.000 -47.24%
2012 462.700.000 32.14%
2013 541.200.000 14.5%
2014 482.300.000 -12.21%
2015 654.300.000 26.29%
2016 672.500.000 2.71%
2017 466.900.000 -44.04%
2018 760.400.000 38.6%
2019 1.181.600.000 35.65%
2020 1.646.700.000 28.24%
2021 1.469.300.000 -12.07%
2022 1.425.900.000 -3.04%
2023 973.500.000 -46.47%
2023 2.281.500.000 57.33%
2024 276.600.000 -724.84%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Asseco Poland S.A. Operating Cashflow
Year Operating Cashflow Growth
2004 -26.411.000
2005 41.702.000 163.33%
2006 27.622.000 -50.97%
2007 49.020.000 43.65%
2008 467.226.000 89.51%
2009 438.758.000 -6.49%
2010 676.046.000 35.1%
2011 546.300.000 -23.75%
2012 679.600.000 19.61%
2013 752.400.000 9.68%
2014 686.400.000 -9.62%
2015 846.000.000 18.87%
2016 883.200.000 4.21%
2017 691.400.000 -27.74%
2018 1.000.700.000 30.91%
2019 1.501.300.000 33.34%
2020 1.960.700.000 23.43%
2021 1.593.000.000 -23.08%
2022 1.848.800.000 13.84%
2023 1.191.800.000 -55.13%
2023 2.488.800.000 52.11%
2024 291.900.000 -752.62%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Asseco Poland S.A. Capital Expenditure
Year Capital Expenditure Growth
2004 7.919.000
2005 16.799.000 52.86%
2006 8.849.000 -89.84%
2007 39.060.000 77.35%
2008 122.352.000 68.08%
2009 126.306.000 3.13%
2010 213.714.000 40.9%
2011 232.300.000 8%
2012 216.900.000 -7.1%
2013 211.200.000 -2.7%
2014 204.100.000 -3.48%
2015 191.700.000 -6.47%
2016 210.700.000 9.02%
2017 224.500.000 6.15%
2018 240.300.000 6.58%
2019 319.700.000 24.84%
2020 314.000.000 -1.82%
2021 123.700.000 -153.84%
2022 422.900.000 70.75%
2023 218.300.000 -93.72%
2023 207.300.000 -5.31%
2024 15.300.000 -1254.9%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Asseco Poland S.A. Equity
Year Equity Growth
2004 140.738.000
2005 285.969.000 50.79%
2006 343.674.000 16.79%
2007 2.120.692.000 83.79%
2008 3.402.864.000 37.68%
2009 4.318.176.000 21.2%
2010 5.839.443.000 26.05%
2011 7.052.900.000 17.21%
2012 7.224.600.000 2.38%
2013 7.264.600.000 0.55%
2014 7.973.400.000 8.89%
2015 8.342.900.000 4.43%
2016 8.670.600.000 3.78%
2017 10.846.600.000 20.06%
2018 7.663.300.000 -41.54%
2019 7.981.000.000 3.98%
2020 8.957.300.000 10.9%
2021 9.646.700.000 7.15%
2022 10.213.500.000 5.55%
2023 9.187.000.000 -11.17%
2023 9.075.700.000 -1.23%
2024 9.160.200.000 0.92%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Asseco Poland S.A. Assets
Year Assets Growth
2004 530.397.000
2005 672.628.000 21.15%
2006 685.567.000 1.89%
2007 3.256.111.000 78.95%
2008 5.728.554.000 43.16%
2009 5.715.316.000 -0.23%
2010 7.901.248.000 27.67%
2011 9.483.800.000 16.69%
2012 9.639.400.000 1.61%
2013 9.640.400.000 0.01%
2014 10.679.600.000 9.73%
2015 12.052.100.000 11.39%
2016 12.791.200.000 5.78%
2017 15.405.900.000 16.97%
2018 12.642.800.000 -21.86%
2019 14.597.900.000 13.39%
2020 16.704.500.000 12.61%
2021 18.570.800.000 10.05%
2022 20.131.300.000 7.75%
2023 19.008.500.000 -5.91%
2023 18.840.700.000 -0.89%
2024 18.436.500.000 -2.19%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Asseco Poland S.A. Liabilities
Year Liabilities Growth
2004 389.659.000
2005 386.659.000 -0.78%
2006 341.893.000 -13.09%
2007 1.135.419.000 69.89%
2008 1.945.787.000 41.65%
2009 1.397.140.000 -39.27%
2010 2.061.805.000 32.24%
2011 2.430.900.000 15.18%
2012 2.414.800.000 -0.67%
2013 2.375.800.000 -1.64%
2014 2.706.200.000 12.21%
2015 3.709.200.000 27.04%
2016 4.120.600.000 9.98%
2017 4.559.300.000 9.62%
2018 4.979.500.000 8.44%
2019 6.616.900.000 24.75%
2020 7.747.200.000 14.59%
2021 8.924.100.000 13.19%
2022 9.917.800.000 10.02%
2023 9.821.500.000 -0.98%
2023 9.765.000.000 -0.58%
2024 9.223.400.000 -5.87%

Asseco Poland S.A. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
246.04
Net Income per Share
7.04
Price to Earning Ratio
12.66x
Price To Sales Ratio
0.36x
POCF Ratio
2.49
PFCF Ratio
2.69
Price to Book Ratio
1.15
EV to Sales
0.44
EV Over EBITDA
3.04
EV to Operating CashFlow
3
EV to FreeCashFlow
3.25
Earnings Yield
0.08
FreeCashFlow Yield
0.37
Market Cap
6,08 Bil.
Enterprise Value
7,33 Bil.
Graham Number
110.71
Graham NetNet
-39.03

Income Statement Metrics

Net Income per Share
7.04
Income Quality
3.22
ROE
0.09
Return On Assets
0.03
Return On Capital Employed
0.14
Net Income per EBT
0.31
EBT Per Ebit
0.85
Ebit per Revenue
0.11
Effective Tax Rate
0.21

Margins

Sales, General, & Administrative to Revenue
0.05
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
0.22
Operating Profit Margin
0.11
Pretax Profit Margin
0.09
Net Profit Margin
0.03

Dividends

Dividend Yield
0.04
Dividend Yield %
4.11
Payout Ratio
0.52
Dividend Per Share
3.66

Operating Metrics

Operating Cashflow per Share
35.8
Free CashFlow per Share
33.1
Capex to Operating CashFlow
0.08
Capex to Revenue
0.01
Capex to Depreciation
0.26
Return on Invested Capital
0.17
Return on Tangible Assets
0.05
Days Sales Outstanding
102.03
Days Payables Outstanding
37.16
Days of Inventory on Hand
7.9
Receivables Turnover
3.58
Payables Turnover
9.82
Inventory Turnover
46.2
Capex per Share
2.7

Balance Sheet

Cash per Share
42,57
Book Value per Share
135,11
Tangible Book Value per Share
20.42
Shareholders Equity per Share
77.41
Interest Debt per Share
52
Debt to Equity
0.64
Debt to Assets
0.18
Net Debt to EBITDA
0.52
Current Ratio
1.41
Tangible Asset Value
1,39 Bil.
Net Current Asset Value
-0,98 Bil.
Invested Capital
11932200000
Working Capital
2,40 Bil.
Intangibles to Total Assets
0.42
Average Receivables
4,88 Bil.
Average Payables
1,08 Bil.
Average Inventory
277950000
Debt to Market Cap
0.56

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Asseco Poland S.A. Dividends
Year Dividends Growth
2000 1
2001 0 0%
2006 1 0%
2007 0 0%
2008 1 0%
2009 1 100%
2010 1 0%
2011 2 0%
2012 2 50%
2013 2 0%
2014 3 0%
2015 3 0%
2016 3 33.33%
2017 3 0%
2018 3 0%
2019 3 0%
2020 3 0%
2021 3 0%
2022 3 0%
2023 4 0%
2024 4 0%

Asseco Poland S.A. Profile

About Asseco Poland S.A.

Asseco Poland S.A., an information technology (IT) company, develops and sells software products primarily in Poland and internationally. It operates through three segments: Asseco Poland, Formula Systems, and Asseco International. The company offers software and IT solutions for banking, payment, insurance, public institutions, healthcare, defense and uniformed services, energy and gas, telecommunications and media, cloud services, and security sectors. It also provides enterprise resource planning software for micro, small, medium, and large enterprises; and business intelligence solutions. The company was formerly known as Softbank S.A. and changed its name to Asseco Poland S.A. in January 2007. Asseco Poland S.A. was founded in 1989 and is based in Rzeszów, Poland.

CEO
Mr. Adam Tadeusz Goral
Employee
33.490
Address
14 Olchowa Street
Rzeszów, 35-322

Asseco Poland S.A. Executives & BODs

Asseco Poland S.A. Executives & BODs
# Name Age
1 Ms. Karolina Rzonca-Bajorek
Vice President of the Management Board & Chief Financial Officer
70
2 Mr. Adam Tadeusz Goral
Founder, President of Management Board, Chief Executive Officer & President
70
3 Mr. Marek Pawel Panek
Vice President of the Management Board
70
4 Mr. Zbigniew Pomianek
Vice President of the Management Board
70
5 Mr. Pawel Piwowar
Vice President of the Management Board
70
6 Mr. Andrzej Dopierala
Vice President of the Management Board
70
7 Mr. Artur Wiza
Vice President of Management Board
70
8 Mr. Krzysztof Groyecki
Vice President of the Management Board
70
9 Ms. Gabriela Zukowicz
Vice President of Management Board
70
10 Mr. Slawomir Szmytkowski
Vice President of the Management Board
70

Asseco Poland S.A. Competitors