(BFT) Benefit Systems - Ratings and Ratios
Sports Cards, Culture Vouchers, Wellbeing Services, Online Platforms
BFT EPS (Earnings per Share)
BFT Revenue
Description: BFT Benefit Systems
Benefit Systems S.A. is a leading provider of non-pay employee benefits solutions in several European countries, including Poland, Czech Republic, Slovakia, Bulgaria, Croatia, and Turkey. The companys product portfolio includes the popular Multisport card, which grants access to sports facilities, as well as other solutions like MultiBilet and MultiTeatr for cultural and entertainment purposes. Additionally, Benefit Systems offers the MyBenefit platform for distributing sport cards and wellbeing services, and has developed MultiLife, an online product promoting employee well-being in areas such as mental health, personal development, and physical activity.
From a financial perspective, Benefit Systems S.A. has demonstrated strong performance, with a Return on Equity (RoE) of 38.59%, indicating a high level of profitability. The companys Market Capitalization stands at 10.22 billion PLN, and its Price-to-Earnings (P/E) ratio is 22.50, suggesting a reasonable valuation. To further evaluate the companys performance, other key metrics such as Revenue Growth, EBITDA Margin, and Employee Benefits penetration rate could be analyzed.
Considering the companys product offerings and geographical presence, it is likely that Benefit Systems S.A. benefits from a diversified revenue stream and a strong market position. The growth of the employee benefits market, driven by increasing demand for wellness and lifestyle benefits, could be a key driver of the companys future performance. Key Performance Indicators (KPIs) such as the number of active Multisport card holders, revenue per employee, and client retention rate could provide further insights into the companys operational performance.
BFT Stock Overview
| Market Cap in USD | 2,904m |
| Sub-Industry | Leisure Products |
| IPO / Inception |
BFT Stock Ratings
| Growth Rating | 90.9% |
| Fundamental | 79.6% |
| Dividend Rating | 11.8% |
| Return 12m vs S&P 500 | 10.8% |
| Analyst Rating | - |
BFT Dividends
Currently no dividends paidBFT Growth Ratios
| Growth Correlation 3m | 62.2% |
| Growth Correlation 12m | 87.2% |
| Growth Correlation 5y | 82.2% |
| CAGR 5y | 76.33% |
| CAGR/Max DD 3y | 3.72 |
| CAGR/Mean DD 3y | 17.79 |
| Sharpe Ratio 12m | -0.13 |
| Alpha | 15.50 |
| Beta | 0.834 |
| Volatility | 33.11% |
| Current Volume | 3k |
| Average Volume 20d | 2.9k |
| Stop Loss | 3146 (-3.3%) |
| Signal | -0.17 |
Piotroski VR‑10 (Strict, 0-10) 3.5
| Net Income (448.2m TTM) > 0 and > 6% of Revenue (6% = 227.8m TTM) |
| FCFTA 0.08 (>2.0%) and ΔFCFTA -15.35pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -2.83% (prev -13.10%; Δ 10.27pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.16 (>3.0%) and CFO 936.7m > Net Income 448.2m (YES >=105%, WARN >=100%) |
| Net Debt (685.9m) to EBITDA (574.7m) ratio: 1.19 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.91 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (3.28m) change vs 12m ago 10.73% (target <= -2.0% for YES) |
| Gross Margin 35.08% (prev 35.70%; Δ -0.62pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 83.58% (prev 101.5%; Δ -17.87pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 4.54 (EBITDA TTM 574.7m / Interest Expense TTM 126.5m) >= 6 (WARN >= 3) |
Altman Z'' 1.59
| (A) -0.02 = (Total Current Assets 1.12b - Total Current Liabilities 1.23b) / Total Assets 6.03b |
| (B) 0.18 = Retained Earnings (Balance) 1.07b / Total Assets 6.03b |
| (C) 0.13 = EBIT TTM 574.7m / Avg Total Assets 4.54b |
| (D) 0.27 = Book Value of Equity 1.07b / Total Liabilities 4.00b |
| Total Rating: 1.59 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 79.63
| 1. Piotroski 3.50pt = -1.50 |
| 2. FCF Yield 4.06% = 2.03 |
| 3. FCF Margin 11.94% = 2.99 |
| 4. Debt/Equity 0.71 = 2.26 |
| 5. Debt/Ebitda 2.49 = -0.94 |
| 6. ROIC - WACC 12.66% = 12.50 |
| 7. RoE 32.87% = 2.50 |
| 8. Rev. Trend 97.77% = 7.33 |
| 9. EPS Trend 49.33% = 2.47 |
What is the price of BFT shares?
Over the past week, the price has changed by -2.11%, over one month by -5.24%, over three months by +7.43% and over the past year by +31.78%.
Is Benefit Systems a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of BFT is around 4535.59 PLN . This means that BFT is currently undervalued and has a potential upside of +39.34% (Margin of Safety).
Is BFT a buy, sell or hold?
What are the forecasts/targets for the BFT price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 3808 | 17% |
| Analysts Target Price | - | - |
| ValueRay Target Price | 5056.3 | 55.3% |
BFT Fundamental Data Overview
Market Cap PLN = 10.48b (10.48b PLN * 1.0 PLN.PLN)
CCE Cash And Equivalents = 745.7m PLN (Cash only, last quarter)
P/E Trailing = 21.645
P/S = 2.7604
P/B = 5.1642
Beta = 1.095
Revenue TTM = 3.80b PLN
EBIT TTM = 574.7m PLN
EBITDA TTM = 574.7m PLN
Long Term Debt = 1.33b PLN (from longTermDebt, last quarter)
Short Term Debt = 98.4m PLN (from shortLongTermDebt, last quarter)
Debt = 1.43b PLN (Calculated: Short Term 98.4m + Long Term 1.33b)
Net Debt = 685.9m PLN (from netDebt column, last quarter)
Enterprise Value = 11.17b PLN (10.48b + Debt 1.43b - CCE 745.7m)
Interest Coverage Ratio = 4.54 (Ebit TTM 574.7m / Interest Expense TTM 126.5m)
FCF Yield = 4.06% (FCF TTM 453.5m / Enterprise Value 11.17b)
FCF Margin = 11.94% (FCF TTM 453.5m / Revenue TTM 3.80b)
Net Margin = 11.80% (Net Income TTM 448.2m / Revenue TTM 3.80b)
Gross Margin = 35.08% ((Revenue TTM 3.80b - Cost of Revenue TTM 2.47b) / Revenue TTM)
Tobins Q-Ratio = 10.41 (Enterprise Value 11.17b / Book Value Of Equity 1.07b)
Interest Expense / Debt = 5.32% (Interest Expense 76.1m / Debt 1.43b)
Taxrate = 24.26% (145.7m / 600.3m)
NOPAT = 435.3m (EBIT 574.7m * (1 - 24.26%))
Current Ratio = 0.91 (Total Current Assets 1.12b / Total Current Liabilities 1.23b)
Debt / Equity = 0.71 (Debt 1.43b / last Quarter total Stockholder Equity 2.03b)
Debt / EBITDA = 2.49 (Net Debt 685.9m / EBITDA 574.7m)
Debt / FCF = 3.16 (Debt 1.43b / FCF TTM 453.5m)
Total Stockholder Equity = 1.36b (last 4 quarters mean)
RoA = 7.43% (Net Income 448.2m, Total Assets 6.03b )
RoE = 32.87% (Net Income TTM 448.2m / Total Stockholder Equity 1.36b)
RoCE = 21.31% (Ebit 574.7m / (Equity 1.36b + L.T.Debt 1.33b))
RoIC = 21.14% (NOPAT 435.3m / Invested Capital 2.06b)
WACC = 8.48% (E(10.48b)/V(11.91b) * Re(9.09%)) + (D(1.43b)/V(11.91b) * Rd(5.32%) * (1-Tc(0.24)))
Shares Correlation 3-Years: 66.74 | Cagr: 0.62%
Discount Rate = 9.09% (= CAPM, Blume Beta Adj.)
[DCF Debug] Terminal Value 78.12% ; FCFE base≈551.3m ; Y1≈680.1m ; Y5≈1.16b
Fair Price DCF = 4964 (DCF Value 16.26b / Shares Outstanding 3.28m; 5y FCF grow 25.0% → 3.0% )
EPS Correlation: 49.33 | EPS CAGR: 61.24% | SUE: N/A | # QB: N/A
Revenue Correlation: 97.77 | Revenue CAGR: 34.38%