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Wierzyciel SA
WSE:WRL

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Wierzyciel SA
WSE:WRL
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Price: 1.4 PLN -20.9% Market Closed
Market Cap: 10.5m PLN
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Profitability Summary

We take all the information about a company's profitability (such as its margins, capital efficiency, free cash flow generating ability, and more) and consolidate it into one single number - the profitability score. The higher the profitability score, the more profitable the company is.

Past Growth

To be successful and remain in business, both growth and profitability are important and necessary. Net Income growth is often seen as a sign of a company's efficiency from an operational standpoint, but is influenced heavily by a company's goals and challenges and should therefore be assessed in conjunction with other metrics like revenue and operating income growth.

Margins

Profit margins represent what percentage of sales has turned into profits. Simply put, the percentage figure indicates how many cents of profit the company has generated for each dollar of sale.

Profit margins help investors assess if a company's management is generating enough profit from its sales and whether operating costs and overhead costs are being contained.

Earnings Waterfall
Wierzyciel SA

Revenue
2.4m PLN
Cost of Revenue
-18.2k PLN
Gross Profit
2.4m PLN
Operating Expenses
-1.5m PLN
Operating Income
867.6k PLN
Other Expenses
-1.3m PLN
Net Income
-469.9k PLN

Margins Comparison
Wierzyciel SA Competitors

Country Company Market Cap Gross
Margin
Operating
Margin
Net
Margin
PL
Wierzyciel SA
WSE:WRL
10.5m PLN
99%
36%
-19%
US
American Express Co
NYSE:AXP
203.2B USD
63%
17%
14%
US
Capital One Financial Corp
NYSE:COF
70.9B USD
0%
0%
11%
IN
Bajaj Finance Ltd
NSE:BAJFINANCE
4.3T INR
61%
43%
25%
US
Discover Financial Services
NYSE:DFS
44.2B USD
0%
0%
18%
US
Synchrony Financial
NYSE:SYF
25B USD
0%
0%
16%
KZ
Kaspi.kz AO
NASDAQ:KSPI
21B USD
0%
0%
56%
IN
Shriram Finance Ltd
NSE:SHRIRAMFIN
1.1T INR
56%
39%
21%
US
SoFi Technologies Inc
NASDAQ:SOFI
13.6B USD
0%
0%
5%
US
Santander Consumer USA Holdings Inc
F:77S
11.3B EUR
74%
52%
40%
IN
Cholamandalam Investment and Finance Company Ltd
NSE:CHOLAFIN
1.1T INR
51%
29%
17%
Country PL
Market Cap 10.5m PLN
Gross Margin
99%
Operating Margin
36%
Net Margin
-19%
Country US
Market Cap 203.2B USD
Gross Margin
63%
Operating Margin
17%
Net Margin
14%
Country US
Market Cap 70.9B USD
Gross Margin
0%
Operating Margin
0%
Net Margin
11%
Country IN
Market Cap 4.3T INR
Gross Margin
61%
Operating Margin
43%
Net Margin
25%
Country US
Market Cap 44.2B USD
Gross Margin
0%
Operating Margin
0%
Net Margin
18%
Country US
Market Cap 25B USD
Gross Margin
0%
Operating Margin
0%
Net Margin
16%
Country KZ
Market Cap 21B USD
Gross Margin
0%
Operating Margin
0%
Net Margin
56%
Country IN
Market Cap 1.1T INR
Gross Margin
56%
Operating Margin
39%
Net Margin
21%
Country US
Market Cap 13.6B USD
Gross Margin
0%
Operating Margin
0%
Net Margin
5%
Country US
Market Cap 11.3B EUR
Gross Margin
74%
Operating Margin
52%
Net Margin
40%
Country IN
Market Cap 1.1T INR
Gross Margin
51%
Operating Margin
29%
Net Margin
17%

Return on Capital

Return on capital ratios give a sense of how well a company is using its capital (equity, assets, capital employed, etc.) to generate profits (operating income, net income, etc.). In simple words, these ratios show how much income is generated for each dollar of capital invested.

Return on Capital Comparison
Wierzyciel SA Competitors

Country Company Market Cap ROE ROA ROCE ROIC
PL
Wierzyciel SA
WSE:WRL
10.5m PLN
-6%
-6%
11%
13%
US
American Express Co
NYSE:AXP
203.2B USD
34%
4%
11%
5%
US
Capital One Financial Corp
NYSE:COF
70.9B USD
7%
1%
0%
0%
IN
Bajaj Finance Ltd
NSE:BAJFINANCE
4.3T INR
21%
4%
9%
5%
US
Discover Financial Services
NYSE:DFS
44.2B USD
20%
2%
0%
0%
US
Synchrony Financial
NYSE:SYF
25B USD
21%
3%
0%
0%
KZ
Kaspi.kz AO
NASDAQ:KSPI
21B USD
89%
14%
0%
0%
IN
Shriram Finance Ltd
NSE:SHRIRAMFIN
1.1T INR
16%
3%
7%
5%
US
SoFi Technologies Inc
NASDAQ:SOFI
13.6B USD
2%
0%
0%
0%
US
Santander Consumer USA Holdings Inc
F:77S
11.3B EUR
47%
6%
8%
6%
IN
Cholamandalam Investment and Finance Company Ltd
NSE:CHOLAFIN
1.1T INR
22%
3%
5%
3%
Country PL
Market Cap 10.5m PLN
ROE
-6%
ROA
-6%
ROCE
11%
ROIC
13%
Country US
Market Cap 203.2B USD
ROE
34%
ROA
4%
ROCE
11%
ROIC
5%
Country US
Market Cap 70.9B USD
ROE
7%
ROA
1%
ROCE
0%
ROIC
0%
Country IN
Market Cap 4.3T INR
ROE
21%
ROA
4%
ROCE
9%
ROIC
5%
Country US
Market Cap 44.2B USD
ROE
20%
ROA
2%
ROCE
0%
ROIC
0%
Country US
Market Cap 25B USD
ROE
21%
ROA
3%
ROCE
0%
ROIC
0%
Country KZ
Market Cap 21B USD
ROE
89%
ROA
14%
ROCE
0%
ROIC
0%
Country IN
Market Cap 1.1T INR
ROE
16%
ROA
3%
ROCE
7%
ROIC
5%
Country US
Market Cap 13.6B USD
ROE
2%
ROA
0%
ROCE
0%
ROIC
0%
Country US
Market Cap 11.3B EUR
ROE
47%
ROA
6%
ROCE
8%
ROIC
6%
Country IN
Market Cap 1.1T INR
ROE
22%
ROA
3%
ROCE
5%
ROIC
3%

Free Cash Flow

Free cash flow (FCF) is the money a company has left over after paying its operating expenses and capital expenditures. The more free cash flow a company has, the more it can allocate to dividends, paying down debt, and growth opportunities.

If a company has a decreasing free cash flow, that is not necessarily bad if the company is investing in its growth.

See Also

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