WISE Finance S.A.

IBS.WA

Real Estate - Development · Real Estate

Exchange

Warsaw Stock Exchange

Winston Score

Winston is worried

Weak fundamentals across most pillars.

Data as of Aug 23, 2026 · filings through Mar 31, 2026

How the score breaks down

Quality

Weak

Growth

Weak

Cash Flow

Weak

Stability

Weak

Valuation

Data not available

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Winston Score History

The full picture

WISE Finance S.A. is a Polish real estate development company listed on the Warsaw Stock Exchange. It focuses on developing and selling residential and commercial properties, primarily targeting individual buyers and investors in Poland. The company operates in a competitive Central European real estate market where demand is closely tied to local economic conditions and mortgage availability.

The company earns money mainly by selling developed properties, which explains its relatively high gross margin despite currently losing money at the operating level. It operates primarily within Poland and remains a small-cap player with limited geographic diversification compared to larger regional developers. The negative operating margin and weak return on invested capital suggest the business is still working through high overhead or early-stage project costs. The key risk going forward is rising construction costs and tightening credit conditions in Poland, which could reduce buyer demand and squeeze profitability further before the company reaches sustainable scale.

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

-70.6% YoY

YoY Growth Rate

Revenue declining

EPS Growth

+182.9% YoY

YoY Growth Rate

EPS growth accelerating

Insider Activity

23.7%ownership

Insiders own a meaningful stake in the company

Cash Position

Cash flow positive

627,000 PLN cash & investments

Quarterly Free Cash Flow

↓ Burn rate worsening

Company generates more cash than it spends — no dilution risk from fundraising

Revenue declining

WISE Finance S.A.'s revenue is actually shrinking. In a growth stock, that removes the core investment thesis. The low Winston Score here may be warranted — unless there's a turnaround story.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Quality

Profit per sale

Gross Margin

-2.8%

Thin — -2.8% gross margin

Profit after running costs

Operating Margin

7.6%

Modest — 7.6% operating margin

Return on the money invested

ROCE

-4.4%

Weak — -4.4% return on capital

Negative ROIC means the business is losing money on every dollar invested in it.

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Growth

Sales growth

Sales YoY

-54.4%

Shrinking sales (-54.4% YoY)

Profit growth

EPS YoY

-432.7%

Earnings shrinking (-432.7% YoY)

Earnings per share down more than 10%. Either a bad year, or a real decline.

How steady the profit is

EPS Consistency

2/8 quarters

Earnings rarely grow — volatile business

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Cash Flow

Profit that turns into cash

Cash Conversion

N/A

Data not available

Spare cash per sale

FCF Margin

-13.4%

Burning cash (-13.4%)

Free cash flow is negative. They are burning cash, not generating it.

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Stability

What it owes vs what it owns

Debt / Equity

1.55

Elevated debt (1.55)

Covers its interest

Interest Cover

N/A

Data not available

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Valuation

Price vs profit

P/E Ratio (TTM)

N/M

no trend

Negative earnings — P/E not meaningful

Cheaper or dearer next year

P/E vs Forward

N/A

not available

Data not available

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Dividends

Not applicable for this business.

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