One Solution S.A.

zł 0.10As of Sun 8 Nov 2026, 12:00 UTC

WSE:ONEFinancials

Country Poland

PE (Fwd) 33.30

TSR 5Y CAGR (16.17%)

Div yield —

ROE 1.52%

Credit Services

Beta (5Y) —

PE TTM 37.22

TSR TTM 2.93%

Mkt cap zł 5.016M

ROIC 6.40%

SE Grade™

—

Value

Quality

Moat

1Y Price

Reference

zł 0.105

6.93%

(63.12%)

Price above Reference Value

TTM

FYE 31 Dec PLN

FY2021

FY2022

FY2023

FY2024

FY2025

FY2026E

Trend

10Y

Peers

1.827

Revenuezł M

—

2.366

3.353

3.130

1.545

1.831

(13.23%)

—

Revenue growth%

—

41.71

(6.66)

(50.62)

18.46

(6.66)

—

72.65

Gross margin%

—

64.15

79.63

83.27

69.06

73.05

74.34

—

27.65

Operating margin%

—

6.01

24.54

22.86

13.16

28.14

18.01

—

7.37

Net margin%

—

(1.07)

12.09

24.44

(185.28)

7.72

5.51

—

37.22

P/E ratio (avg)x

—

11.93

9.566

—

35.48

10.75

—

6.307

EV/EBITx

—

86.44

8.085

9.297

15.37

8.504

12.33

—

(16.13)

FCF yield (avg)%

—

(48.50)

28.65

14.66

15.00

(14.09)

14.83

—

(44.27)

FCF margin%

—

(176.42)

41.33

34.27

48.11

(38.58)

37.80

—

(6.002)

FCF / Net incomex

—

165.5

3.419

1.402

(0.260)

(4.998)

2.411

—

6.40

ROIC%

—

1.26

7.52

6.80

2.40

6.35

4.60

—

1.52

Return on equity%

—

(0.33)

4.95

7.69

(29.41)

1.58

2.31

—

1.35

Return on assets%

—

(0.18)

3.03

5.82

(28.90)

1.40

1.42

—

EPSzł

—

0.01

0.02

(0.06)

—

26.05%

—

EPS growth%

—

1753.27

26.05

(474.67)

104.93

26.05

—

0.17

Bookvalue per shzł

—

0.22

0.26

0.22

0.16

0.18

(9.29%)

—

(0.02)

FCF per sharezł

—

(0.12)

0.04

0.02

0.01

(0.01)

(40.11%)

—

Dividend per shzł

—

Div yield (avg)%

—

Payout ratio%

—

50.97

Shares (diluted)M

—

35.04

34.06

51.00

50.95

◌50.95

13.29%

—

Buyback yield%

—

2.81

(49.74)

0.09

◌—

0.09

—

D/E ratiox

—

0.502

0.294

—

0.147

—

3.187

Enterprise valuezł M

—

12.30

6.653

6.652

3.126

4.381

(36.66%)

—

LT debtzł M

—

2.721

1.551

—

(42.99%)

—

Peers (US$1.254M)

Cap (US$)

Dr.Finance S.A.

1.483M

—

PBS Finanse S.A.

1.412M

—

Wierzyciel S.A.

1.308M

—

DCM Financial Services…

1.084M

—

Capital

TTM

10Y

Leveragex

(1.808)

0.574

EBIT/Intx

—

12.48

Own earn%

—

Sh yield%

—

0.09

Owners

Insiders/Inst%

6.87

35.24

Short interest%

—

SBC / revenue%

—

Record

10Y

Profitable years

2/4

Revenue growth years

1/3

EPS growth years

2/3

Dividend streakyrs

Op margin range%

6–25

$1 testx

—

Incr. ROIC%

—

One Solution S.A. operates in the debt market. It purchases primary and secondary acquisition of packages of economic receivables, as well as provides debt collection on orders. The company is also involved receivables management, amicable, judicial, and enforcement debt collection, and payment monitoring, and legal services. One Solution S.A. was incorporated in 2015 and is based in Plock, Poland.

Growth vs revenue

Latest

Trend

3Y CAGR

Rel growth

Revenue

zł 1.545M

(13.23%)

1.00×

Cost of revenue

zł 0.478M

(17.39%)

0.86×

Operating expenses

zł 0.864M

(14.36%)

0.96×

Asset mix

Trend

Other

81.54%

Cash and investments

18.46%

Reinvestment returns

5Y median

Trend

Reinvestment rate

4.96%

Return on capital

4.60%

Spread over hurdle

(2.34%)