0.00%
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50.45%
67.17%
77.01%
AI Spotlight on CMR
Company Description
Comarch S.A. designs, implements, and integrates IT solutions worldwide.It offers Internet of Things (IoT) solutions for telecommunication industry.The company also provides small business and corporate banking, mobile banking, factoring, cloud factoring, trade finance, wealth management, loan origination, custody, digital insurance, commission and incentive, life insurance, anti-money laundering, business intelligence, authentication, and manager assistant solutions.
In addition, it offers EOS, a platform for electronic handling of matters in the office; ERGO supporting system; Worlflow, a platform that supports electronic and paper circulation of documents; Video Cut, a solution for quick analysis of secured video materials; e-Government, an online public service platform; integrated ERP system; smart parking; security platform; employee portal; eRecording; monitoring and automation platform; and video terminal solutions.Further, the company provides loyalty programs, marketing campaign and employee motivation management, electronic data and business information exchange, document management, sales process management support systems, and mobile applications.Additionally, it offers IT systems for hospitals; software products for health record management in medical facilities; IOT solutions and its components; and services for the automotive industry, such as software development, infotainment in-car, and integration with smartphones, as well as services for consumer electronics and semiconductor industry, such as support in hardware prototyping, and software and test systems development.
The company is also involved in the sports activities.Comarch S.A. was founded in 1993 and is headquartered in Kraków, Poland.
Market Data
| Last Price | 331 |
| Change Percentage | 0.00% |
| Open | 330.5 |
| Previous Close | 331 |
| Market Cap ( Millions) | 2692 |
| Volume | 0 |
| Year High | 332.5 |
| Year Low | 214 |
| M A 50 | 330.96 |
| M A 200 | 308.42 |
Financial Ratios
| FCF Yield | 2.85% |
| Dividend Yield | 1.51% |
| ROE | 4.89% |
| Debt / Equity | 13.89% |
| Net Debt / EBIDTA | -127.93% |
| Price To Book | 1.72 |
| Price Earnings Ratio | 35.16 |
| Price To FCF | 35.04 |
| Price To sales | 1.46 |
| EV / EBITDA | 11.56 |
Business Breakdown
Expected Mid-Term Growth
Segment n°1 -> Information Technology
Expected Growth : 8 %
What the company do ?
Comarch S.A. is a Polish multinational technology company that provides IT solutions and services for various industries, including telecommunications, finance, and healthcare.
Why we expect these perspectives ?
Comarch S.A.'s 8% growth in Information Technology is driven by increasing demand for digital transformation, cloud computing, and cybersecurity solutions. The company's strong presence in Europe and expanding partnerships with key clients contribute to its growth. Additionally, investments in research and development, particularly in AI and IoT, enable Comarch to stay competitive and capitalize on emerging trends.
Segment n°2 -> Sport
Expected Growth : 7 %
What the company do ?
Comarch S.A.'s Sport is a comprehensive sports management software for clubs, leagues, and federations, offering data analytics, team management, and fan engagement tools.
Why we expect these perspectives ?
Comarch S.A.'s Sport segment growth is driven by increasing demand for sports technology, rising popularity of e-sports, and growing adoption of digital solutions in sports management. Additionally, the company's innovative products and services, such as sports data analytics and fan engagement platforms, are contributing to its 7% growth rate.
Segment n°3 -> Medical
Expected Growth : 9 %
What the company do ?
Medical from Comarch S.A. is a comprehensive healthcare IT system for hospitals and clinics, providing electronic health records, medical imaging, and hospital information systems.
Why we expect these perspectives ?
Comarch S.A.'s Medical segment growth is driven by increasing demand for digital healthcare solutions, government initiatives promoting e-healthcare, and rising adoption of telemedicine and medical analytics. Additionally, the company's strategic partnerships and investments in R&D have enabled it to expand its product offerings and improve operational efficiency, contributing to its 9% growth.
Segment n°4 -> Investment
Expected Growth : 5 %
What the company do ?
Comarch S.A. invests in innovative startups and digital projects, focusing on AI, IoT, and cybersecurity, to drive growth and expansion.
Why we expect these perspectives ?
Comarch S.A.'s 5% growth is driven by increasing demand for IT services, expansion into new markets, and strategic partnerships. The company's strong brand recognition, innovative product offerings, and cost-effective solutions also contribute to its growth. Additionally, Comarch's focus on digital transformation and cloud computing enables it to capitalize on emerging trends, further fueling its growth.
Comarch S.A. Products
| Product Range | What is it ? |
|---|---|
| Comarch ERP | Comarch ERP is an integrated enterprise resource planning system that helps organizations manage their financial, human, and material resources. |
| Comarch CRM | Comarch CRM is a customer relationship management system that enables businesses to manage sales, marketing, and customer service activities. |
| Comarch BSS | Comarch BSS is a business support system that provides a comprehensive platform for telecommunications operators to manage their business operations. |
| Comarch IoT | Comarch IoT is an Internet of Things platform that enables businesses to collect, process, and analyze data from connected devices. |
| Comarch Healthcare | Comarch Healthcare is a suite of healthcare IT solutions that provide electronic health records, medical billing, and practice management capabilities. |
| Comarch EDI | Comarch EDI is an electronic data interchange platform that enables businesses to exchange data with their partners and suppliers. |
Comarch S.A.'s Porter Forces
Threat Of Substitutes
Comarch S.A. operates in a niche market with limited substitutes, but the threat of substitutes is still present due to the evolving nature of the IT industry.
Bargaining Power Of Customers
Comarch S.A. has a diverse customer base, which reduces the bargaining power of individual customers. Additionally, the company's customized solutions make it difficult for customers to switch to alternative providers.
Bargaining Power Of Suppliers
Comarch S.A. relies on a few key suppliers for its operations, which gives them some bargaining power. However, the company's strong relationships with its suppliers mitigate this risk.
Threat Of New Entrants
The IT industry has high barriers to entry, including significant capital requirements and the need for specialized expertise. This limits the threat of new entrants to Comarch S.A.'s market.
Intensity Of Rivalry
Comarch S.A. operates in a highly competitive market with many established players. The company must continuously innovate and improve its offerings to maintain its market share.
Capital Structure
| Value | |
|---|---|
| Debt Weight | 10.23% |
| Debt Cost | 5.95% |
| Equity Weight | 89.77% |
| Equity Cost | 6.20% |
| WACC | 6.18% |
| Leverage | 11.39% |
Comarch S.A. : Quality Control
Comarch S.A. passed 6 out of 9 key points:
Historical Valuation
Price/Earnings Ratio
Margin Valuation
Peers Valuation
Competitors
| Company | Rational |
|---|---|
| COK.DE | CANCOM SE, together with its subsidiaries, offers information technology (IT) infrastructure and services in Germany and internationally. The company operates in two segments, Cloud Solutions and IT Solutions. The Cloud … |
| MGIC | Magic Software Enterprises Ltd. provides proprietary application development, business process integration, vertical software solutions, and information technologies (IT) outsourcing software services in Israel and internationally. The company's Software Services segment … |
| SNC.LS | Sonaecom, S.G.P.S., S.A., together with its subsidiaries, operates in technology, media, and telecommunications sectors worldwide. The company provides consultancy services in the area of information systems; develops management platforms and … |
| A1OS.DE | All for One Group SE, together with its subsidiaries, provides business software solutions for SAP, Microsoft, and IBM in Germany, Switzerland, Austria, Luxemburg, Italy, and internationally. It operates through CORE … |
| AUB.PA | Aubay Société Anonyme operates as a digital services company in Belgium, Luxembourg, Spain, Portugal, Italy, and France. The company offers management consulting services, including business line expertise, operational excellence, digital … |
Peers Metrics
DCF BETA
Expected Cash-Flows
Scoring Insights
Peers Group Analysis
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Magic Software
A-Score
1-Year Total Return ->
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Aubay
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1-Year Total Return ->
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All for One
A-Score
1-Year Total Return ->
4
Comarch
A-Score
1-Year Total Return ->
5
Sonaecom
A-Score
1-Year Total Return ->
6
