Added to YB: 2025-10-07
Pitch date: 2025-10-06
CPL.WA [bullish]
Comperia.pl S.A.
Author Info
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Company Info
Comperia.pl S.A. operates online comparison sites for financial products and telecommunications products in Poland.
Market Cap
PLN 17.0M
Pitch Price
N/A
Price Target
N/A
Dividend
N/A
EV/EBITDA
-23.29
P/E
-25.71
EV/Sales
0.24
Sector
Interactive Media and Services
Category
growth
The Only Fintech Company I Will Ever Write About
CPL.WA: Polish fintech at 0.4x P/S w/ hidden BNPL payment orchestrator Comfino growing 100%+ YoY (2.4k→8k stores by 2026 target). Platform integrates all major financing options via single plug-in for merchants; ~120M PLN flows w/ 6% take-rate. Core comparison sites (63% sales) stable but low-margin; exited media for 7x P/E to fund growth. Risks: poor liquidity may force dilution (did 50% in 2018), unprofitable growth burns cash, high take-rate unsustainable, SEO risk, one supplier dependency. Bulls: BNPL TAM 10.5B PLN Poland (+25% YoY), 1% share today, potential strategic value at 4x+ sales if scales. Mgmt owns 31%, dual-class control >50%. High risk/reward VC-style bet.
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